Gold credit card

Our Gold Credit Card offers you numerous free features that make it easier than ever to manage your finances.

  • Gold Credit Card

    How to qualify

    • You earn a monthly income of R 8 000 or more
    • You are 18 or older (surety / guardianship is required if you are 18-21 years old)

    Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.


    • Up to 55 days’ interest-free credit when you pay the outstanding balance in full and on time each month
    • Get a limit of up to R 120 000, with the option to increase your limit after 6 months
    • Safe online shopping with 3D Secure and one-time passwords
    • Easily manage your payments with SnapScan®, MasterPass®, Internet Banking, Mobile App and Tap & Go®

    What it costs

    How to apply
    Apply online
    Call us: 0861 201 000 
    Visit your nearest branch

    Related products

  • Additional Information

    • Free electronic statements, account limit changes and budget facility
    • Collect UCount points each time you swipe to purchase and spend your rewards at UCount Online Mall
    • Secure store purchases with your credit card’s chip and PIN safety features
    • Free Internet, telephone and cell phone banking when you link your credit card to your Internet banking profile
    • Use your card to draw cash from ATMs wherever you see a MasterCard®, Maestro or Cirrus sign
    • With our Credit Card Protection Plan your card debts are covered in the event of your death, disability and retrenchment
    • Free MyUpdates that tell you every time money leaves or enters your account
    • Free lost card protection which protects you against loss caused by fraudulent use of your card if it is lost or stolen up to 24 hours prior to reporting it to the bank. Does not cover transactions in which your PIN was used
    • Free and convenient automatic payment order (APO) for hassle-free account management
    • Free AutoBank cash deposit or balance enquiry per month
    • Use your credit card anywhere in the world -- just remember to tell us when you are travelling
    • Free basic travel insurance when you use your credit card to buy the tickets
    • Terms and Conditions (PDF)


     Credit Card Protection Plan

    The Credit Card Protection Plan is designed for new and existing Standard Bank credit card holders. The policy covers the debt on your Standard Bank credit card in the event of your death, disability and retrenchment.
    No medical examination is required and you are covered in the event of the following:

The outstanding balance on your credit card, including the budget account will be settled in full up to a maximum of R120 000. Death cover ceases at age 75, except for accidental death which ceases at age 65.

    Double Accident

    In the event of accidental death, double benefits will be paid up to a maximum of R120 000. One amount will be used to settle the outstanding balance on the account and an equivalent amount will be paid to your estate. This benefit does not apply to the secondary cardholder.


    Settlement of the outstanding balance on your Standard Bank credit card, including your budget account at the time of becoming permanently disabled, up to a maximum of R120 000. Cover ceases at age 65. This benefit does not apply to the secondary cardholder.


    The minimum monthly repayment of the amount owing on your Standard Bank credit card will be paid for up to three months. In addition, the Credit Card Insurance premium will be waived for three months. There is a six-month waiting period for retrenchment cover. Cover ceases at age 65. This benefit does not apply to the secondary cardholder.

    For more information -  Click Here

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