Standard Bank Credit Card

Standard Bank offers a variety of credit cards to customers. Depending on your preferences and qualifications, you will find an option to match your situation and needs. With numerous offers and discounts, the cards available will improve your financial experience.

How to apply

The application process for Standard Bank credit cards is quite simple and takes less than five minutes. To qualify for the gold credit card, you need to be earning over R5,000 per month. Both the titanium and platinum cards, you need a monthly income of at least R25,000 and R58,000 respectively.

Standard Bank Credit Card Interest rates and fees

When you get any of these credit cards, you won’t be paying transaction fees to make a purchase. The interest rate charged on your card balance depends on your profile. To get the card, you need to pay up to R166.45 as a one-time fee. The monthly fees vary between the cards and the Gold, Titanium and Platinum cards attract R50.44, R65.57 and R80.70 respectively.

Standard Bank Titanium credit card

Great benefits and up to R150 000 credit limit make this a great all-round credit card.

When you become a holder of the titanium card, you automatically qualify for personalised support by banking staff around the clock. If you qualify for this card, you a credit limit of up to R150,000 but you can lower this amount whenever you want. If you travel a lot, you can take advantage of the free access to airport lounges for up to one visit each month free of charge.

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BENEFITS

• Zero interest for up to 55 days
• Secure online shopping at millions of sellers globally
• Automated lost card protection
• Get 15% off on your rental bookings
• Get up to 20% discount on trips to Africa and Asia
• Enjoy up to 35% in discounts on Emirates flights

REQUIREMENTS

• A minimum income of R25,000 per month
• Be over 18 years old
• Have a valid proof of residence
• Be a holder of a legal South African ID
• Have bank statements and pay slips not older than three months

FEES

• Monthly maintenance fee of R65.57
• A credit card initiation fee of R166.45 paid once
• Zero monthly fees when bundled with Prestige account

Standard Bank Gold credit card

Take charge of your finances with the Standard Bank Gold Credit Card.

The Standard Bank gold credit card comes with several free features that simplify how you manage your money. It has travel and entertainment perks that offer you attractive discounts on your expenses. With a credit limit of up to R100,000, you can be assured of effortless access to credit when you need it. Besides, the limit can be adjusted upon request to suit your needs. If you love flying, you will definitely enjoy the 25% discount on Emirates flights.

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BENEFITS

• Get basic travel insurance cover
• Online purchases are free of transaction charges
• Budget facilities
• 3D verification for better security
• Link your card to a phone for easier payments
• Earn rewards when you shop anywhere

REQUIREMENTS

• A basic income of R5,000
• Meet credit score requirements
• Be over 18 years with a valid South African ID
• Provide proof of residence
• Provide bank statements and pay slips as proof of stable income

FEES

• Monthly account maintenance fee of R50.44
• Card initiation fee: Zero

Standard Bank Platinum credit card

The Platinum credit card is the most luxurious standard card on offer.

With this option, you get up to R250,000 of credit that can be used in millions of outlets and the benefits and discounts offer an exceptional banking experience. Besides getting automatic access to the legacy lifestyle membership, you are assigned a private personal banker plus 24/7 support through chat or call.

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BENEFITS

• Get up to 35% discounts on Emirates flights
• Basic travel insurance
• Get Ucount rewards every time you swipe the card
• Up to 33% discount on purchases made on Wine of the month
• Enjoy minimum deposits of 3% per month
• Link your card to your phone

REQUIREMENTS

• A minimum income of R58,000 per month
• A valid copy of South African ID
• Bank statements and payslips for the last three months
• Proof of residence
• Satisfy credit check requirements

FEES

• Monthly maintenance fee of R80.70
• A credit card initiation fee of R166.45