Gold Credit Card
Life doesn’t stop for big expenses, from groceries to school costs, a little flexibility can go a long way.
This affordable credit card is designed to help you manage everyday spending with confidence and control.
R
64.00
Monthly fee
R
5 000
Min monthly income
R
250 000
Credit limit
Personalised
Interest rate
Some of the benefits
Save on groceries
Get up to R1 000* back on your everyday grocery shopping at Checkers, Shoprite and Sixty60
Earn back on fuel
Earn* up to R10 back in Rewards Points per litre of fuel and oil when you fill up at your nearest Astron Energy
Affordable travel
Book through Standard Bank Travel and get up to 15% discount on your flight tickets
Safe online shopping
Create a Virtual Credit Card and link it to your Gold Credit Card for added protection
Pay with your Virtual Credit Card
Get 100%* fraud protection with a virtual card that is linked to your credit card account.
What you get
Travel benefits
Save on travel when you need it
- Get up to 20%* off Emirates flights
- Enjoy up to 20%* off car rental through Priceless partners, including Avis, Budget International, and Rentalcars.com
Lifestyle benefits
Get more from your daily spending
- Earn up to 30%* back in UCount Rewards Points when shopping in-store at PetShop Science
- Earn up to 3* times more UCount Rewards Points every time you use your qualifying credit card instead of your debit card
- Further your education with access to learning platforms like Lingokids and UNICAF
Insurance benefits
Feel more secure
- Get automatic basic Travel Insurance when you book your trip using your Gold Credit Card
- Benefit from a mandatory Credit Card Protection Plan, covering what you owe in case of death, disability, dread disease, retrenchment, or loss of income
Want to start using your benefits?
- Find out how to access and redeem your travel, lifestyle and insurance benefits in just a few steps.
Card features
- Adjust your credit limit
Request a credit limit increase when you have more expenses - Pay wherever you need to
Use your Gold Mastercard at millions of merchants and ATMs worldwide - Quick and easy payments
Tap to Pay™ in-store or use SnapScan or Masterpass to pay by phone - Easily manage your card
Access and manage your Gold Credit Card on your phone, in-app, online or at ATMs - Stay in control of your budget
Turn ATM, in-store, and online payments on or off in your Banking App - Shop online with peace of mind
3D Secure helps keep your online transactions safe - One simple credit limit
Use a single limit for both straight and budget purchases
What it costs
- Get up to 55 days interest-free if your account is paid in full
- Minimum 3% monthly repayment with automatic payment option
- R64 monthly fee with all your card benefits included
- R200 once-off initiation fee
How to get it
Already have a Standard Bank Account?
1. Apply on the Banking App
- Sign into your Standard Bank App
- Tap on the purple Explore icon at the top of your screen
- Next, tap on Credit Cards under the Banking & finance section
- Tap Apply Now on the Gold Credit Card tile to start your application
- Follow the easy steps to complete your application
For a step-by-step guide, you can visit our Apply for a Credit Card page in our Help Centre
2. Apply on Online Banking
- Sign into your Online Banking profile
- 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
3. Apply via Cellphone Banking
Please ensure you have a minimum of R2 airtime to begin your application.
- Dial *120*2345# on your cellphone
- From the menu, select option 2
- Follow the easy steps
- Success or failure of your application will be notified by SMS
Don’t have a Standard Bank Account?
- Complete our Call Me Back form to get an instant quote
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 statements
- 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
-
What it costs
-
How to get it
Travel benefits
Save on travel when you need it
- Get up to 20%* off Emirates flights
- Enjoy up to 20%* off car rental through Priceless partners, including Avis, Budget International, and Rentalcars.com
Lifestyle benefits
Get more from your daily spending
- Earn up to 30%* back in UCount Rewards Points when shopping in-store at PetShop Science
- Earn up to 3* times more UCount Rewards Points every time you use your qualifying credit card instead of your debit card
- Further your education with access to learning platforms like Lingokids and UNICAF
Insurance benefits
Feel more secure
- Get automatic basic Travel Insurance when you book your trip using your Gold Credit Card
- Benefit from a mandatory Credit Card Protection Plan, covering what you owe in case of death, disability, dread disease, retrenchment, or loss of income
Want to start using your benefits?
- Find out how to access and redeem your travel, lifestyle and insurance benefits in just a few steps.
- Adjust your credit limit
Request a credit limit increase when you have more expenses - Pay wherever you need to
Use your Gold Mastercard at millions of merchants and ATMs worldwide - Quick and easy payments
Tap to Pay™ in-store or use SnapScan or Masterpass to pay by phone - Easily manage your card
Access and manage your Gold Credit Card on your phone, in-app, online or at ATMs - Stay in control of your budget
Turn ATM, in-store, and online payments on or off in your Banking App - Shop online with peace of mind
3D Secure helps keep your online transactions safe - One simple credit limit
Use a single limit for both straight and budget purchases
- Get up to 55 days interest-free if your account is paid in full
- Minimum 3% monthly repayment with automatic payment option
- R64 monthly fee with all your card benefits included
- R200 once-off initiation fee
Already have a Standard Bank Account?
1. Apply on the Banking App
- Sign into your Standard Bank App
- Tap on the purple Explore icon at the top of your screen
- Next, tap on Credit Cards under the Banking & finance section
- Tap Apply Now on the Gold Credit Card tile to start your application
- Follow the easy steps to complete your application
For a step-by-step guide, you can visit our Apply for a Credit Card page in our Help Centre
2. Apply on Online Banking
- Sign into your Online Banking profile
- 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
3. Apply via Cellphone Banking
Please ensure you have a minimum of R2 airtime to begin your application.
- Dial *120*2345# on your cellphone
- From the menu, select option 2
- Follow the easy steps
- Success or failure of your application will be notified by SMS
Don’t have a Standard Bank Account?
- Complete our Call Me Back form to get an instant quote
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 statements
- 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.
Why should I choose the Gold Credit Card?
The Gold Credit Card is a great choice if you’re looking for a simple, affordable way to manage your everyday spending.
It’s ideal for individuals and families who want access to credit for monthly expenses like groceries, fuel, and school costs, while earning rewards on what they already spend. The card is easy to use, easy to manage, and designed to help you stay in control of your budget.
How is the Gold Credit Card different to other credit cards?
The Gold Credit Card is focused on everyday value and affordability.
Unlike higher-tier credit cards that offer more premium benefits, Gold is designed to support your day-to-day spending, with rewards on essential purchases and simple, flexible ways to manage repayments. It’s a practical option if you want a reliable card that helps you stay on top of your finances without added complexity.
What are the monthly and annual fees?
There are no annual fees, only a once-off initiation fee of R200.
The monthly fee is R64.
The monthly fee is R64.
How do I redeem my Gold Credit Card benefits?
Your Gold Credit Card gives you access to everyday rewards and benefits. To see how to access and redeem them, visit our How to redeem your credit card benefits page.
Credit Card FAQS
Do you want to learn more about how your credit card works?
Standard Bank charges a monthly service fee and a monthly card fee, both of which are subject to change according to the NCA and the annual pricing guide respectively. The service fee is regulated by the NCA and is the fee (including VAT) levied by Standard Bank in connection with the routine administration cost of maintaining this Credit Facility, which forms part of the principal debt, while the card fee covers the costs of providing, administrating and maintaining all the value-added services and features associated with the card.
If you own a bundled product, neither the service fee nor the card fee will apply, but should you unbundle your product holding, both the card fee and the service fee will apply.
Interest rates are personalised ranging from a minimum of (prime – 0.25%) to the maximum allowable interest rate 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 R200 (VAT inclusive) will be required
Tips and guidance
Get started
Get started
Learn how to manage your credit card.
Use your card
Use your card
Increase your limits and use your card abroad.
Keep your card safe
Keep your card safe
Change your PIN and shop safely online.
Learn more about credit cards
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How to redeem your credit card benefits
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Life, Car and Home Insurance
What is credit life insurance, and why do I need it?
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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.
Get a personalised quote in minutes.
Apply online via Internet Banking or our Banking App and choose the loan and repayment term that best suit your needs.
Register now to benefit from paying with your Credit, Cheque or Debit card.
Need help?