Standard Bank Gold Credit Card Full Review

The Gold Credit Card is one of Standard Bank's cards that provides effective financial management and convenience!

Customized credit limit up to R250,000 and travel benefits!

Everyday credit card with various benefits! Photo by Freepik.

The Standard Bank Gold is another credit card in the bank’s lineup that offers a personalized credit limit of up to R250,000 monthly, along with a range of benefits including discounts and travel and lifestyle conveniences for clients with a minimum monthly income of R5,000!

Credit Card

Standard Bank Gold

Got interested? See how to apply!


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Standard Bank is one of the leading banks in South Africa, providing a variety of financial products for its customers. In this context, credit cards play a crucial role, offering different lines to cater to diverse needs.

The Gold card, in particular, is a suitable choice for individuals with a moderate income who require a reliable card for daily use, benefiting from Mastercard’s features and the overall quality and reputation of Standard Bank.

The Gold Credit Card provides effective money management, allowing users to spend with peace of mind and have complete control over their finances at their fingertips.

If you believe that the Standard Bank Gold Credit Card could meet your needs, continue reading for more information.

How Does the Standard Bank Gold Credit Card Work?

The Standard Bank Group is one of the largest financial conglomerates in South Africa, operating in 20 African countries with over 160 years in the market. Currently, it serves more than 15 million active customers, and the brand has handled over R1.4 trillion in transactions.

What began as a bank branch in South Africa has evolved into a comprehensive financial services provider, offering a range of services such as investments and insurance to provide effective financial solutions for individuals and businesses.

Regarding credit, Standard Bank offers various credit lines for clients with different needs, including World Citizen, Titanium, and Platinum. The Gold Credit Card, on the other hand, is an intermediate product that provides effective financial management for the customer.

Applications for the Gold Credit Card are open to both existing clients and non-clients of Standard Bank services. The card is a Mastercard with chip and PIN technology, widely accepted for both physical and digital purchases worldwide.

The card’s management is entirely conducted online and through mobile devices, as Standard Bank provides internet banking services for the card account.

What are the Standard Bank Gold Credit Card Benefits?

Here are the general benefits of the Gold Credit Card:

General Benefits:

  • 3D Secure Verification for Online Purchases
  • Comprehensive management for making payments and withdrawing money from ATMs
  • Up to 55 days interest-free.

Travel Benefits:

  • Up to a 20% discount on Emirates flights
  • Exclusive offers with priceless cities
  • Up to 10% cashback on reservations
  • Up to a 10% discount on car rentals with
  • Up to a 15% discount on IHG hotel stays.

Lifestyle and Insurance Benefits:

  • Access to Mastercard Pass after unlocking
  • Up to a 10% discount on surgeries with the Medical Tourism Concierge
  • Automatic basic travel insurance
  • Optional Credit Card Protection Plan

The card also offers a range of benefits with partner stores. Additionally, it provides UCount Rewards points that can be redeemed for discounts and benefits.

The Gold Credit Card still carries the assurance of being a banking service from Standard Bank, with customer support available to negotiate limit increases and address inquiries. It’s worth noting that the customer’s monthly limit is personalized based on their conditions and needs, ensuring a secure and tailored banking experience.

The card comes with a monthly fee of R63 plus an initiation fee of R180.

Possible Drawbacks

The Gold Credit Card is a good option for those with general needs within South Africa and some benefits abroad. However, for individuals seeking more rewards, especially internationally, it may not be the most viable option.

How do I apply for the Standard Bank Gold Credit Card?

The Gold Credit Card application process follows Standard Bank’s logic, welcoming both existing clients and non-clients of the banking company. In this regard, it’s beneficial to familiarize yourself with all the conditions before initiating the application process.

Credit Card

Standard Bank Gold

Got interested? See how to apply!


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Gabriel Gonçalves
Written by

Gabriel Gonçalves

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