Beyond the income requirement, you must be over 18. Applying in the app means declaring gross monthly income and total monthly expenses.
Your application route sets the preparation; your account bundle sets the fees
New customers need ID, payslip, bank statements and address proof. A Signature Banking Account bundle waives monthly card and service fees; both apply again if you unbundle.
Cash advances leaving a debit balance accrue interest from the transaction date until repaid in full. Approval requires credit checks and FICA compliance.
Your interest margin and the fees behind the card
Your interest varies with prime; your personal margin is in Part A of your offer. Standalone fees are R340 monthly: R300 card fee and R40 service fee, including VAT.
Standard Bank charges no annual fee, but a once-off R200 initiation fee includes VAT. Purchases from merchants outside South Africa attract 2.25% of their rand value.
What you need before starting your application
Prepare these essentials for the application route you use.
- You must be over 18.
- Earn R92 000 or more monthly, pass credit checks and meet FICA rules.
- Without a Standard Bank account, prepare supporting documents.
- Clients need R2 airtime on Cellphone Banking.
- In-app, give your gross monthly income and total monthly expenses.
Choose your route to request the card
- Account holders tap Apply Now on World Citizen in-app.
- New customers complete the Call Me Back form.
Your questions answered
Which transactions count as cash advances on my World Citizen card?
Cash advances include withdrawals, travellers’ cheques, forex, casino chips, fuel and electronic card-account purchases or transfers.
What card spending do I need for unlimited airport lounge access?
Unlimited lounge access needs R20 000 in card spend. Below that threshold, domestic lounges cost R220 and international lounges R440.
Which documents do I need if I don’t have an account?
Bring South African ID (passport for non-citizens), a recent payslip, 3 months’ bank statements and address proof at most 3 months old.
How do I prepare to use World Citizen on my trip?
Before using your main or additional card outside South Africa, eSwatini, Lesotho or Namibia, notify Standard Bank.