South Africa
Gold Credit Card
Get all the lifestyle, travel and insurance benefits you’re looking for at an affordable rate with our Gold Credit Card.
R
54.00
monthly fee
R
7 500
min monthly income
R
250 000
credit limit
Personalised
interest rate
Some of the benefits
Travel perks
Enjoy flight discounts with Emirates for up to 35%* and get automatic basic travel insurance
Free data
Buy 1GB of AlwaysOn Wi-Fi for a once-off fee of R19 and get 11GB free
Discount on appliances
Get 10%* off when you use your Gold Card at a Hirsch’s near you
Treat yourself
Book a spa treatment with your credit card at Health Spa retailers and get 10%* off
What you get
Travel benefits
- Get up to 35%* off on Emirates flights when you book through Leisure Desk
- Access handpicked experiences and offers in cities around the world with Priceless Cities
Lifestyle benefits
- Book a treatment at Health Spa retailers and get 10%*off your Health Spa voucher when you pay with your credit card
- Get 10%* off when you swipe your card at Hirsch’s in-store
- Swipe your credit card for R300 or more at A Place to Shop and get up to 10%* off
- Get 10%*off when you spend at least R300 on Pro Gifts using your credit card
- Use your credit card at Gift Experience and get 5%* off your experience voucher
- Buy 1GB of AlwaysOn Wi-Fi for a once off fee of R19 and get 11GB free*
- Get access to food and lifestyle offers on the MasterCard Buy 1 Get 1 App
- Earn UCount Rewards Points every time you use your credit card, no matter where you shop
Insurance benefits
- You are covered with automatic basic travel insurance
- Get an optional Credit Card Protection Plan to ensure that your credit card debt is covered in case of an unfortunate event
- Get 15%* off AA when you use your credit card to pay for your subscription
Credit card how-to-guide
- Click here to view our credit card how-to-guide on how to redeem your benefits.
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Card features
- Chip- and PIN-enabled Mastercard credit card
- Shop at millions of merchants and ATMs worldwide
- 3D Secure verification for safe online shopping
- Tap to Pay™ in-store for R500 or less
- Link your card to the SnapScan or Masterpass apps to pay by phone
- Manage your Gold Credit Card on your phone, in-app, online or at our ATMs
- Activate or disable till-point, ATM and online card functionality using our app
- Single limit for straight and budget facilities
- Change your credit limit on request
- Automatic lost card protection
What it costs
- Get up to 55 days free interest if your account is paid in full
- 3% minimum monthly repayment with automatic payment option
- R54 monthly fee
- R180 initiation fee
How to get it
- Sign into your Internet Banking profile to apply online
- Complete a Call Me Back form and we’ll get in touch with you
- South African ID copy (or passport if not an SA citizen)*
- A recent payslip and 3 months bank statement
- Proof of residence not older than 3 months
- Must earn R7 500 or more per month
*You must be over 18. Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
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What you get
-
Card features
-
What it costs
-
How to get it
Travel benefits
- Get up to 35%* off on Emirates flights when you book through Leisure Desk
- Access handpicked experiences and offers in cities around the world with Priceless Cities
Lifestyle benefits
- Book a treatment at Health Spa retailers and get 10%*off your Health Spa voucher when you pay with your credit card
- Get 10%* off when you swipe your card at Hirsch’s in-store
- Swipe your credit card for R300 or more at A Place to Shop and get up to 10%* off
- Get 10%*off when you spend at least R300 on Pro Gifts using your credit card
- Use your credit card at Gift Experience and get 5%* off your experience voucher
- Buy 1GB of AlwaysOn Wi-Fi for a once off fee of R19 and get 11GB free*
- Get access to food and lifestyle offers on the MasterCard Buy 1 Get 1 App
- Earn UCount Rewards Points every time you use your credit card, no matter where you shop
Insurance benefits
- You are covered with automatic basic travel insurance
- Get an optional Credit Card Protection Plan to ensure that your credit card debt is covered in case of an unfortunate event
- Get 15%* off AA when you use your credit card to pay for your subscription
Credit card how-to-guide
- Click here to view our credit card how-to-guide on how to redeem your benefits.
|
|
- Chip- and PIN-enabled Mastercard credit card
- Shop at millions of merchants and ATMs worldwide
- 3D Secure verification for safe online shopping
- Tap to Pay™ in-store for R500 or less
- Link your card to the SnapScan or Masterpass apps to pay by phone
- Manage your Gold Credit Card on your phone, in-app, online or at our ATMs
- Activate or disable till-point, ATM and online card functionality using our app
- Single limit for straight and budget facilities
- Change your credit limit on request
- Automatic lost card protection
- Get up to 55 days free interest if your account is paid in full
- 3% minimum monthly repayment with automatic payment option
- R54 monthly fee
- R180 initiation fee
- Sign into your Internet Banking profile to apply online
- Complete a Call Me Back form and we’ll get in touch with you
- South African ID copy (or passport if not an SA citizen)*
- A recent payslip and 3 months bank statement
- Proof of residence not older than 3 months
- Must earn R7 500 or more per month
*You must be over 18. Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
The maximum credit available on a Gold Credit Card is R250 000, and the monthly repayment is a minimum of 3% of your outstanding balance. The monthly service fee is R54 and the once-off initiation fee is R180 (VAT inclusive). Our interest rates are personalised and range from a minimum of 7.25% (prime) to a maximum of 17.75% (Repo rate + 14%) as per the NCA regulation.
Tips and guidance
Getting started
Getting started
See how you can make the most of your new credit card.
Claiming your benefits
Claiming your benefits
Each credit card comes with its own benefits. Here’s how to make sure you get them…
Using your card
Using your card
Making changes to your card is quick, safe and easy when you know how.
Keeping your card safe
Keeping your card safe
Register now to benefit from paying with your credit, cheque or debit card
We also offer
Credit card protection plan
Take the stress out of using your credit card, knowing that what you owe is covered in the event of death, disability, dread disease or retrenchment.
Elite banking account
Take control of your finances with a value-for-money account that lets you bank your way.
Need help?