Standard Bank Gold credit card
Get your Standard Bank Gold Credit Card and enjoy exclusive benefits.
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Have you ever wondered whether a credit card can offer more than just access to credit?
That's exactly where the Standard Bank Gold Credit Card stands out.
Designed for everyday spending, this card combines affordability with a range of travel, lifestyle and security benefits.
Cardholders can earn UCount Rewards Points on qualifying purchases, making everyday spending more rewarding.
If you're looking for a balance between value, rewards and practical benefits, here's everything you need to know about the Standard Bank Gold Credit Card.
Standard Bank Gold Card
APPLY NOWRequirements
To qualify for the Standard Bank Gold Credit Card, you'll generally need:
- Be 18 years or older
- Earn a minimum gross monthly income of R5,000
- Have a valid South African ID or qualifying passport
- Maintain a satisfactory credit record
- Pass the bank's affordability assessment
- Meet FICA requirements
You may also be asked to provide:
- Your latest payslip
- Three months' bank statements
- Proof of residence not older than three months
- Additional income verification if self-employed or earning variable income
Advantages
Earn UCount Rewards Points on qualifying purchases
Up to 55 days interest-free on purchases when the balance is settled in full
Credit limit of up to R250,000, subject to approval
Complimentary basic travel insurance on qualifying travel purchases
Access to Mastercard Priceless Cities and Priceless Specials offers
How to apply
Applying for a Standard Bank Gold Credit Card is straightforward and can be completed online.
- Visit the Standard Bank application platform
Access the credit card application section through Standard Bank's website. - Check your eligibility
Confirm that you meet the minimum income and qualification requirements. - Complete the application form
Provide your personal, employment and financial details. - Upload supporting documents
Submit your ID, proof of income, bank statements and proof of residence if requested. - Complete the affordability assessment
The bank reviews your financial profile and credit history. - Review your offer
If approved, you'll receive details regarding your credit limit, fees and interest rate. - Accept the agreement
Confirm the terms and conditions of your credit card facility. - Receive your card
Once approved, your card will be issued and ready for activation.
Available card features
UCount Rewards
The Standard Bank Gold Credit Card allows you to earn UCount Rewards Points whenever you make qualifying purchases.
These points can be redeemed for a variety of rewards, including travel, fuel and shopping vouchers.
Travel Benefits
Frequent travellers can enjoy a range of discounts and travel-related benefits.
These may include:
- Up to 20% off selected Emirates flight bookings through Leisure Desk
- Discounts on selected car rental partners
- Savings on participating hotel bookings
- Discounts on luggage purchases through selected retailers
Lifestyle Benefits
Cardholders gain access to a variety of lifestyle and entertainment offers.
Benefits may include discounts on selected subscriptions, educational programmes, dining offers and online shopping promotions through Mastercard partners.
Insurance Benefits
The card includes complimentary basic travel insurance when qualifying travel tickets are purchased using the card.
Cardholders are also covered by a Credit Card Protection Plan designed to assist in qualifying circumstances such as disability, retrenchment or loss of income.
Security Features
Managing your card is simple through the Standard Bank Banking App.
Customers can:
- Switch their card on or off instantly
- Manage online and in-store spending limits
- Create a virtual card for online purchases
- Receive transaction notifications
- Access fraud protection features
Amounts and terms
The Standard Bank Gold Credit Card offers flexible access to credit based on your financial profile.
- Minimum monthly income requirement: R5,000
- Monthly card fee: R64.00
- Credit limit: Up to R250,000
- Interest-free period: Up to 55 days on qualifying purchases
- Interest rate: Personalised according to your credit profile
The final credit limit and pricing are determined through the bank's affordability and credit assessment process.
Additional costs may include:
- Interest charges on outstanding balances
- Late payment fees
- Credit protection costs where applicable
FAQ:
Card features
- Provider: Standard Bank
- Card type: Gold Credit Card
- Minimum income: R5,000 per month
- Credit limit: Up to R250,000
- Monthly fee: R64.00
- Rewards programme: UCount Rewards
- Interest-free period: Up to 55 days
- Application: Online, app or branch
- Best suited for: Everyday spending, rewards and travel benefits
Useful Contacts
- Customer Care: 0860 123 000
- International Support: +27 10 824 1515
- Website: https://www.standardbank.co.za/
Here is our final advice
The Standard Bank Gold Credit Card is a solid option for people looking for an affordable credit card that offers more than basic spending power.
Its combination of rewards, travel benefits and security features makes it attractive for everyday use while still offering useful extras for frequent travellers.
The UCount Rewards programme adds ongoing value, especially for cardholders who regularly use their card for purchases.
If you're looking for a credit card that balances affordability, rewards and practical benefits, the Standard Bank Gold Credit Card is certainly worth considering.
Reference sources
https://www.standardbank.co.za/
https://www.standardbank.co.za/southafrica/personal/products-and-services/bank-with-us/credit-cards/our-cards/gold-credit-card
