Standard Bank Gold credit card
Apply for your Standard Bank Gold Credit Card and make the most of its exclusive benefits.
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Have you thought about whether a credit card could offer more than basic access to credit?
That is where the Standard Bank Gold Credit Card stands out.
Designed for everyday spending, this card combines affordability with travel, lifestyle and security benefits.
Cardholders can collect UCount Rewards Points on qualifying purchases, giving everyday spending a little more value.
If you’re looking for value, rewards and practical benefits in one card, here’s what 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 will generally need to:
- Be at least 18 years old
- Have a minimum gross monthly income of R5,000
- Hold a valid South African ID or qualifying passport
- Keep a satisfactory credit record
- Complete the bank's affordability assessment successfully
- Comply with FICA requirements
You could also be required to submit:
- Your most recent payslip
- Bank statements for the last three months
- Proof of residence dated within the last three months
- Further income verification if you are self-employed or receive 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 you can complete the process online.
- Go to the Standard Bank application platform
Go to the credit card applications área on Standard Bank's website. - Verify whether you qualify
Make sure you satisfy the minimum income and qualification criteria. - Fill in the application form
Enter your personal, employment and financial information. - Upload the required supporting documents
Provide your ID, proof of income, bank statements and proof of residence if requested. - Finish the affordability assessment
The bank assesses your financial profile and credit history. - Check your offer
If approved, you'll be sent details about your credit limit, fees and interest rate. - Agree to the contract
Accept the terms and conditions for your credit card facility. - Get your card
After approval, your card will be issued and available for activation.
Available card features
UCount Rewards
With the Standard Bank Gold Credit Card, you earn UCount Rewards Points on qualifying purchases.
These points can be used for different rewards, including travel, fuel and shopping vouchers.
Travel Benefits
Regular travellers can make use of various discounts and travel-related benefits.
These can include:
- Up to 20% off selected Emirates flight bookings through Leisure Desk
- Reduced rates with selected car rental partners
- Savings on bookings at participating hotels
- Discounts on luggage bought through selected retailers
Lifestyle Benefits
Cardholders also get access to a selection of lifestyle and entertainment offers.
These benefits may include discounts on selected subscriptions, educational programmes, dining deals and online shopping promotions through Mastercard partners.
Insurance Benefits
The card includes complimentary basic travel insurance when qualifying travel tickets are paid for with the card.
Cardholders also get cover through a Credit Card Protection Plan, which is designed to help in qualifying situations such as disability, retrenchment or loss of income.
Security Features
You can manage your card easily using the Standard Bank Banking App.
Customers are able to:
- Turn their card on or off immediately
- Adjust online and in-store spending limits
- Set up a virtual card for online purchases
- Get transaction notifications
- Use fraud protection features
Amounts and terms
The Standard Bank Gold Credit Card gives you 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
Your final credit limit and pricing are decided through the bank’s affordability and credit assessment process.
Further charges may include:
- Interest applied to outstanding balances
- Fees for late payment
- Credit protection charges 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: Daily 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 practical option for people who want an affordable credit card that offers more than simple spending power.
With rewards, travel benefits and security features in one card, it suits everyday use while adding useful extras for frequent travellers.
The UCount Rewards programme still offers solid ongoing value, especially if you’re the kind of cardholder who uses your card often for day-to-day spending.
If you want a credit card that keeps costs sensible while still offering rewards and practical everyday perks, the Standard Bank Gold Credit Card is well 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
