Platinum Credit Card
Have confidence wherever you go with a credit card designed for security, priority service, and seamless international access.
Elevate how you spend with a Platinum Credit Card. Enjoy enhanced protection, global access, and premium benefits that support your lifestyle.
R
140.00
Monthly fee
R
58 000
Min monthly income
R
250 000
Credit limit
Personalised
Interest rate
Some of the benefits
Shop with confidence
Create a Virtual Credit Card at no extra cost and enjoy 100%* fraud protection
Travel more for less
Travel in style with airport lounge access and save up to 25%* on flights with Standard Bank Travel
Stay your way
Enjoy preferential rates at hotels and resorts across international destinations
Better rewards
Use your credit instead of your debit card to earn from 3* times more UCount Rewards Points
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
Global travel, designed around you
- Get up to 20%* off Emirates flights when booking your roundtrip flight
- Enjoy up to 12** visits a year to Bidvest airport lounges, and/or the Standard Bank Library Lounge for you and one guest at OR Tambo International Airport (Domestic Departures Terminal)
- Save up to 20%* on international car rental when you book with Avis through Priceless
- Get 15%* off hotels & resorts across Europe, Maldives, India, the Middle East, and Africa
Lifestyle benefits
Access more of what matters to you
- Focus on your wellbeing and enjoy 25%* off your first FIIT subscription payment
- Access dining, entertainment, and luxury shopping offers through Priceless
- Get up to 10%* off selected medical procedures through Mastercard Medical Tourism Services
- Unlock 75%* off tuition fees with UNICAF
- Enjoy the finer things in life with a 15%* discount on online purchases at Wine-of-the-Month Club
Insurance benefits
Confidence in protection
- Travel with added peace of mind knowing you get automatic Travel Insurance when you book your flights
- Stay protected with Purchase Protection and swipe your credit card with confidence
- Be covered in high-risk situations: ATM Robbery Insurance helps protect you if you’re forced to withdraw cash
- Add a Credit Card Protection Plan to cover your outstanding balance in case of unforeseen events
Want to start using your benefits?
Find out how to access and redeem your travel, lifestyle and insurance benefits in just a few steps.
Terms and conditions apply
**Capped at 12 per annum and minimum spend is R15 000 per month.
Card features
- Adapt your credit as your needs grow
Request a Credit Limit Increase directly through the Banking App - Pay with confidence
Use your Platinum Credit Card at millions of merchants and ATMs around the world - Pay the way that suits you
Tap to Pay™ in-store or use SnapScan or Masterpass for quick, secure mobile payments - Manage your card with ease
Access and manage your account anytime using the Banking App, Online Banking, or ATMs - Control your card in real-time
Enable or disable ATM, online, and in-store payments instantly from your Banking App - Simplified spending
Use a single credit limit for both straight and budget purchases - Added protection when you shop online
3D Secure authentication provides an extra layer of security for online transactions
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
- R140 monthly fee with all your card benefits included
- R200 once-off initiation fee
- No monthly fee when bundled with a Private Banking Account
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 Platinum 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 R58 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
Global travel, designed around you
- Get up to 20%* off Emirates flights when booking your roundtrip flight
- Enjoy up to 12** visits a year to Bidvest airport lounges, and/or the Standard Bank Library Lounge for you and one guest at OR Tambo International Airport (Domestic Departures Terminal)
- Save up to 20%* on international car rental when you book with Avis through Priceless
- Get 15%* off hotels & resorts across Europe, Maldives, India, the Middle East, and Africa
Lifestyle benefits
Access more of what matters to you
- Focus on your wellbeing and enjoy 25%* off your first FIIT subscription payment
- Access dining, entertainment, and luxury shopping offers through Priceless
- Get up to 10%* off selected medical procedures through Mastercard Medical Tourism Services
- Unlock 75%* off tuition fees with UNICAF
- Enjoy the finer things in life with a 15%* discount on online purchases at Wine-of-the-Month Club
Insurance benefits
Confidence in protection
- Travel with added peace of mind knowing you get automatic Travel Insurance when you book your flights
- Stay protected with Purchase Protection and swipe your credit card with confidence
- Be covered in high-risk situations: ATM Robbery Insurance helps protect you if you’re forced to withdraw cash
- Add a Credit Card Protection Plan to cover your outstanding balance in case of unforeseen events
Want to start using your benefits?
Find out how to access and redeem your travel, lifestyle and insurance benefits in just a few steps.
Terms and conditions apply
**Capped at 12 per annum and minimum spend is R15 000 per month.
- Adapt your credit as your needs grow
Request a Credit Limit Increase directly through the Banking App - Pay with confidence
Use your Platinum Credit Card at millions of merchants and ATMs around the world - Pay the way that suits you
Tap to Pay™ in-store or use SnapScan or Masterpass for quick, secure mobile payments - Manage your card with ease
Access and manage your account anytime using the Banking App, Online Banking, or ATMs - Control your card in real-time
Enable or disable ATM, online, and in-store payments instantly from your Banking App - Simplified spending
Use a single credit limit for both straight and budget purchases - Added protection when you shop online
3D Secure authentication provides an extra layer of security for online transactions
- Get up to 55 days interest-free if your account is paid in full
- Minimum 3% monthly repayment with automatic payment option
- R140 monthly fee with all your card benefits included
- R200 once-off initiation fee
- No monthly fee when bundled with a Private Banking Account
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 Platinum 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 R58 000 or more per month
*You must be over 18. Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
Frequently asked questions
Why should I choose the Platinum Credit Card?
The Platinum Credit Card is designed for established professionals and families who expect more from their credit card.
It’s ideal if you travel frequently, manage higher levels of spending, and want a card that gives you confidence both locally and abroad. With built-in protection, access to international travel benefits, and a more refined level of service, the Platinum Credit Card supports a lifestyle that prioritises security, convenience, and global access.
How is the Platinum Credit Card different to other credit cards?
The Platinum Credit Card is built for reliability across borders, not just everyday use.
Unlike mid-tier credit cards that focus on flexibility or lifestyle rewards, Platinum is designed around protection, international capability, and a more dependable level of service. It gives you consistent performance when you travel, stronger security features, and access to global travel benefits, making it a better fit if you’re someone who values certainty, control, and a card that performs wherever you are.
Unlike mid-tier credit cards that focus on flexibility or lifestyle rewards, Platinum is designed around protection, international capability, and a more dependable level of service. It gives you consistent performance when you travel, stronger security features, and access to global travel benefits, making it a better fit if you’re someone who values certainty, control, and a card that performs wherever you are.
What are the monthly and annual fees?
There are no annual fees, only a once-off initiation fee of R200.
The monthly fee is R140.
The monthly fee is R140.
How do I redeem my Platinum Credit Card benefits?
You can access and redeem your benefits anytime. Visit our How to redeem your credit card benefits page to get started.
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.
Claiming your benefits
Claiming your benefits
Each credit card comes with its own benefits. Here’s how to make sure you get them…
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.
Need help?
Learn more about credit cards
Banking & Digital Solutions
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What you need to know about credit card protection
Credit card protection is important to protect yourself and your loved ones so that in the event of your death, disability or retrenchment, the outstanding balance on your credit card is covered.
We also offer
Private Banking Account
Build your financial future with 24/7 support from a dedicated Private Banker, various investment solutions, and access to lifestyle benefits for you and your family.
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.
