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Gold Credit Card

Gold Credit Card

Get all the lifestyle, travel and insurance benefits you’re looking for at an affordable rate with our Gold Credit Card.

Some of the benefits

Travel perks

Enjoy flight discounts with Emirates for up to 20%* and get automatic basic travel insurance

Priceless specials

Get priceless offers on dining, leisure and more

Booking.com

Get up to 10%* cash back when you book on Booking.com using your Credit Card

Treat yourself

Enjoy 10% off when you spend R300 or more on ProGifts
Take your credit card to the digital era

Stay in control of your Credit Card with the help of our digital platforms.

Tell me more
What you get

Travel benefits

  • Get up to 20%* off on Emirates flights when you book through  Leisure Desk
  • Access handpicked experiences and offers in cities around the world with Priceless Cities
  • Get up to 10%* cash back when you book on Booking.com using your Credit Card 
  • Enjoy 10% off all hard and softshell luggage from Gopals
  • Get up to 10% discount on car rental when you book through Rentalcars.com and Budget car rental up to 20% through Avis
  • Enjoy up to 20% off flight prices anywhere in the world when you visit Travelstart and book with your Credit Card
  • Get 15% discount on IHG Hotels & Resorts across Europe, Maldives, India, Middle East & Africa when you book at IHG


Lifestyle benefits

  • Get 15%* off wine, coffee, olive oils and more when you purchase online at Wine-of-the-Month Club
  • Get access to food and lifestyle offers on the Priceless Specials MEA App
  • Earn from 3* times more UCount Rewards Points  every time you use your qualifying Credit Card, no matter where you shop
  • Enjoy 2* months of Lingokids for free for new users and thereafter get 30%* off monthly  subscriptions for new and existing customers
  • Enjoy 25% discount on your first Fiit  subscription payment with your Credit Card 
  • Unlock your potential with UNICAF and get 75% scholarship off your program tuition fees when you pay using your Credit Card after admission
  • Get your Mastercard Gamer Pass to participate in one of the biggest online gaming community at Gogamers
  • Get up to 10%* discount on surgeries & procedures when you pay with your Eligible Mastercard for Medical Tourism Concierge

You also qualify for the following discounts when you use your Gold Credit Card (valid until 31 December 2024):

  • 40% Off on your monthly SWEAT 1000 app subscription
  • Get 40% off when you book 6 or more laser hair removal sessions at Deluxe Laser & Spa 
  • 50% Off your first UCOOK meal kit order and 30% off on your next order
  • Get a 30% discount on any skincare order from SKOON
  • Receive 20% off online as a first-time Faithful to Nature  customer
  • 10% Off your online purchases from SportSA


Insurance benefits

  • You are covered with automatic basic Travel Insurance
  • Get an optional Credit Card Protection Plan  and 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

Increase your Credit Card Limit
 
Please note that the credit limit increase option is only available if you have an existing Standard Bank Credit Card. All limit increases are based on your card account and credit history. T&Cs apply.
 
How you can apply for an increase:

  • Sign into your Standard Bank App 
  • Tap on your Credit Card Tile in the Accounts section
  • Next, tap on ‘Apply’ on the ‘Credit Limit Increase’ tile*
  • Follow the prompts to find out how much you qualify for 
  • Personalise your offer and complete your application

Want to know how to redeem your benefits?

Your Gold Credit Card comes with several travel, lifestyle and insurance perks. Find out how to access and redeem these benefits.

 Learn more
 

*Terms and conditions apply

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
  • Get up to 55 days free interest if your account is paid in full 
  • 3% minimum monthly repayment with automatic payment option 
  • R63 monthly fee 
  • R180 initiation fee 

*Promotional T&Cs apply.

See 2024 pricing guide

Already have a Standard Bank Account?

Apply on Internet Banking

  • Sign into your Internet Banking profile to apply online
  • On the top navigation menu, select Borrow and complete your information
  • Follow the on-screen steps to find out which credit card you qualify for

 
Apply on the Standard Bank App

  • Sign into your Standard Bank App
  • Tap on the More icon at the bottom of your screen
  • Next, tap on Open a new account
  • Select Personal Lending
  • Tap the Apply button under the Credit Card option and follow the on-screen steps
  • For more detailed instructions, you can visit our Apply for a Credit Card page in our Help Centre. 

Apply via Cell phone Banking:

Please make sure you have a minimum of R2 airtime to begin your application

  • Dial *120*2345# on your cell phone
  • From the menu, select option 3
  • Follow the easy steps 
  • Success or failure of your application will be notified by SMS
  • One of our agents will then contact you to discuss next steps
     

Increase your Credit Card Limit

Please note that the credit limit increase option is only available if you have an existing Standard Bank Credit Card. All limit increases are based on your card account and credit history. T&Cs apply.
 
How you can apply for an increase:
 

  • Sign into your Standard Bank App 
  • Tap on your Credit Card Tile in the Accounts section
  • Next, tap on ‘Apply’ on the ‘Credit Limit Increase’ tile*
  • Follow the prompts to find out how much you qualify for 
  • Personalise your offer and complete your application

Complete a Call Me Back form
You can complete a Call Me Back form and we will get in touch with you

Don’t have a Standard Bank Account?

You can still apply for a credit card by:

Remember to have the following ready:

  • A copy of your South Africa ID (or your passport if you are not a South African citizen)*
  • A recent payslip
  • 3 months bank statement
  • Proof of residence not older than 3 months
  • You must earn R5 000 or more per month

* You must be over 18. Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
 


 

  • What you get
  • Card features

Travel benefits

  • Get up to 20%* off on Emirates flights when you book through  Leisure Desk
  • Access handpicked experiences and offers in cities around the world with Priceless Cities
  • Get up to 10%* cash back when you book on Booking.com using your Credit Card 
  • Enjoy 10% off all hard and softshell luggage from Gopals
  • Get up to 10% discount on car rental when you book through Rentalcars.com and Budget car rental up to 20% through Avis
  • Enjoy up to 20% off flight prices anywhere in the world when you visit Travelstart and book with your Credit Card
  • Get 15% discount on IHG Hotels & Resorts across Europe, Maldives, India, Middle East & Africa when you book at IHG


Lifestyle benefits

  • Get 15%* off wine, coffee, olive oils and more when you purchase online at Wine-of-the-Month Club
  • Get access to food and lifestyle offers on the Priceless Specials MEA App
  • Earn from 3* times more UCount Rewards Points  every time you use your qualifying Credit Card, no matter where you shop
  • Enjoy 2* months of Lingokids for free for new users and thereafter get 30%* off monthly  subscriptions for new and existing customers
  • Enjoy 25% discount on your first Fiit  subscription payment with your Credit Card 
  • Unlock your potential with UNICAF and get 75% scholarship off your program tuition fees when you pay using your Credit Card after admission
  • Get your Mastercard Gamer Pass to participate in one of the biggest online gaming community at Gogamers
  • Get up to 10%* discount on surgeries & procedures when you pay with your Eligible Mastercard for Medical Tourism Concierge

You also qualify for the following discounts when you use your Gold Credit Card (valid until 31 December 2024):

  • 40% Off on your monthly SWEAT 1000 app subscription
  • Get 40% off when you book 6 or more laser hair removal sessions at Deluxe Laser & Spa 
  • 50% Off your first UCOOK meal kit order and 30% off on your next order
  • Get a 30% discount on any skincare order from SKOON
  • Receive 20% off online as a first-time Faithful to Nature  customer
  • 10% Off your online purchases from SportSA


Insurance benefits

  • You are covered with automatic basic Travel Insurance
  • Get an optional Credit Card Protection Plan  and 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

Increase your Credit Card Limit
 
Please note that the credit limit increase option is only available if you have an existing Standard Bank Credit Card. All limit increases are based on your card account and credit history. T&Cs apply.
 
How you can apply for an increase:

  • Sign into your Standard Bank App 
  • Tap on your Credit Card Tile in the Accounts section
  • Next, tap on ‘Apply’ on the ‘Credit Limit Increase’ tile*
  • Follow the prompts to find out how much you qualify for 
  • Personalise your offer and complete your application

Want to know how to redeem your benefits?

Your Gold Credit Card comes with several travel, lifestyle and insurance perks. Find out how to access and redeem these benefits.

 Learn more
 

*Terms and conditions apply

  • 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
  • Get up to 55 days free interest if your account is paid in full 
  • 3% minimum monthly repayment with automatic payment option 
  • R63 monthly fee 
  • R180 initiation fee 

*Promotional T&Cs apply.

See 2024 pricing guide

Already have a Standard Bank Account?

Apply on Internet Banking

  • Sign into your Internet Banking profile to apply online
  • On the top navigation menu, select Borrow and complete your information
  • Follow the on-screen steps to find out which credit card you qualify for

 
Apply on the Standard Bank App

  • Sign into your Standard Bank App
  • Tap on the More icon at the bottom of your screen
  • Next, tap on Open a new account
  • Select Personal Lending
  • Tap the Apply button under the Credit Card option and follow the on-screen steps
  • For more detailed instructions, you can visit our Apply for a Credit Card page in our Help Centre. 

Apply via Cell phone Banking:

Please make sure you have a minimum of R2 airtime to begin your application

  • Dial *120*2345# on your cell phone
  • From the menu, select option 3
  • Follow the easy steps 
  • Success or failure of your application will be notified by SMS
  • One of our agents will then contact you to discuss next steps
     

Increase your Credit Card Limit

Please note that the credit limit increase option is only available if you have an existing Standard Bank Credit Card. All limit increases are based on your card account and credit history. T&Cs apply.
 
How you can apply for an increase:
 

  • Sign into your Standard Bank App 
  • Tap on your Credit Card Tile in the Accounts section
  • Next, tap on ‘Apply’ on the ‘Credit Limit Increase’ tile*
  • Follow the prompts to find out how much you qualify for 
  • Personalise your offer and complete your application

Complete a Call Me Back form
You can complete a Call Me Back form and we will get in touch with you

Don’t have a Standard Bank Account?

You can still apply for a credit card by:

Remember to have the following ready:

  • A copy of your South Africa ID (or your passport if you are not a South African citizen)*
  • A recent payslip
  • 3 months bank statement
  • Proof of residence not older than 3 months
  • You must earn R5 000 or more per month

* You must be over 18. Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
 


 

Our service fees range from R40 to R199 per month depending on the Credit Card. Interest rates are personalised ranging from a minimum of 11.75% (prime – 0.25%) to a maximum of 22.25% (Repo rate + 14%) as per the NCA regulation. Your monthly repayment for your Credit Card is a minimum of 3% of your outstanding balance. An upfront, once-off initiation fee of R180 (VAT inclusive) will be required.
Tips and guidance
Getting started
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
Claiming your benefits

Each credit card comes with its own benefits. Here’s how to make sure you get them…

Register now to benefit from paying with your Credit, Cheque or Debit card.

1

Using any qualifying Standard Bank personal Credit, Cheque or Debit card.

2

Rewards Points on all your qualifying purchases.

3

Rewards Points in four easy ways. Improve your Tier Level and earn even more Rewards Points.

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We also offer
PER Insurance Credit Card Protection Plan
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.

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Elite Banking Account

The Elite Banking Account is no longer available. If you already have an Elite Banking Account, please take a look at the pricing guide for 2021.

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