Standard Bank Titanium Credit Card Full Review

The Standard Bank Titanium Credit Card offers premium services with lower maintenance fees and a lower minimum income.

Premium benefits for an affordable monthly fee!

Titanium offers good overall options for customers with exclusive benefits from Standard Bank. Photo by Freepik.

The Standard Bank Titanium Credit Card is an intermediate card from the bank that offers a monthly credit limit of R250,000 with a personalized interest rate and a monthly maintenance fee of R86. It requires a minimum monthly income of R25,000, which is considered low for a premium card.

Credit Card

Standard Bank Titanium

Got interested? See how to apply!


* You will be directed to an external website

The Titanium card provides insurance benefits, cashback on travel, and discounts on purchases, serving as an efficient credit card for use within and outside of South Africa for buying goods and hiring services.

The bank offers complete card management through Standard Bank’s digital platforms, allowing users to monitor expenses, block or deactivate the card in case of emergencies, and even request a credit limit increase.

Moreover, the Titanium card is widely accepted worldwide, earning the trust of the Mastercard brand for consistent use.

If you believe that the Titanium card suits your needs, keep reading.

How Does the Standard Bank Titanium Credit Card Work?

The Standard Bank offers a range of financial solutions for businesses, entities, and individuals, encompassing financial management plans, investments, financing, and loans for various corporate and personal purposes.

Throughout its over 160-year history, Standard Bank has become one of the leading financial and banking institutions, not only in South Africa but also extending its presence to other countries on the continent. Credit cards are crucial products for Standard Bank, available to both banking customers and non-customers.

The Platinum Mastercard is a chip- and PIN-enabled credit card with functionalities such as point-of-sale, ATMs, and online transactions directly through the app. It includes 3D Secure verification for online purchases and integration with apps like Snap Scan and Masterpass. The card is widely accepted at millions of merchants, points of sale, and ATMs globally, both in physical and digital forms.

In this regard, it proves to be an efficient card for customers to use both within and outside South Africa. It can be linked to existing bank accounts within Standard Bank or have its own dedicated account for card management.

The initiation fee is R180 with a monthly fee of R86, and there’s an interest-free period of up to 55 days. Customers with a Prestige Banking account are exempt from the monthly fee.

What are the Standard Bank Titanium Credit Card Benefits?

Here are the main travel benefits of the Standard Bank Platinum card:

  • Up to 20% off Emirates flights with Leisure Desk
  • Up to 20% off Avis car rentals
  • Up to 10% cashback when booking with using the credit card
  • Up to 10% off car rentals with
  • 6 free visits to domestic Bidvest Premier lounges
  • 6 free visits with a guest to the Standard Bank Fluent Lounge at Lanseria Airport

Additionally, there are lifestyle and insurance benefits categorized by the bank:

  • Earn up to double points on UCount Rewards, Standard Bank’s rewards program.
  • Access to the Mastercard Gamer Pass
  • Up to 10% off surgeries and medical procedures when paying with the qualified card
  • Automatic basic travel insurance
  • Protection against ATM theft

Each benefit has its own validation method, so it’s recommended that customers check the Standard Bank website for specific details.

Possible Drawbacks

The credit card does indeed offer a range of international benefits. However, these benefits may not be sufficient for those who use the card very frequently, especially in terms of cashback. In this regard, individuals with a higher monthly income may find better alternatives with other credit card options.

Additionally, Standard Bank charges some fees for deposits and national and international transactions. Combining the card with the bank account could be more effective in some cases for better money management.

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

The Standard Bank offers various communication channels to receive requests for its Titanium credit card, both for customers and non-customers of the bank’s services. Therefore, it is essential to fully understand the entire application process for the card.

Credit Card

Standard Bank Titanium

Got interested? See how to apply!


* You will be directed to an external website

Gabriel Gonçalves
Written by

Gabriel Gonçalves

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