Standard Bank is the largest African bank by assets, serving over 15 million clients across the continent.
What you need to know about this credit card:
- Monthly fee: R63.00 per month
- Minimum income: R5,000 per month
- Credit limit: Up to R250,000, depending on your profile
- Interest rate: Personalized, from prime – 0.25% up to NCA maximum
Pros:
- Travel rewards: Up to 20% off Emirates flights, 10% off Booking.com stays, and discounts on car rentals and hotels
- UCount Rewards Points: Earn up to 3x more points wherever you shop
- Lifestyle perks: Enjoy dining, wine, wellness, and entertainment offers through Mastercard and partners
- Luggage discount: Get 10% off Gopals hard and softshell travel gear
- Basic travel insurance: Included automatically when you book with your card
Cons:
- Monthly fee required: No free version of the card, unless bundled with other services
- No flat cashback: Benefits are mostly discounts and rewards, not direct cashback
Why Choose Standard Bank for Your Credit Card?
The Gold Credit Card offers lower income requirements than Nedbank Gold, which starts at R7,500/month.
While Absa Flexi Core lacks travel perks, Standard Bank includes flight, hotel, and rental discounts.
Compared to FNB Aspire Gold, which has fewer lifestyle offers, Standard’s card gives access to Priceless Specials and wine clubs.
Capitec Global One is simpler but lacks the rich benefits portfolio of the Gold Credit Card.
African Bank Gold has fixed interest rates, while Standard Bank offers personalized, potentially lower rates.
Standard Bank Gold Credit Card: let’s get to know it a little better
How to Apply for Your Standard Bank Gold Credit Card
Getting your Gold Credit Card is easy and 100% online. Click the button below to start your application and unlock a world of rewards, travel perks and lifestyle benefits.