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Titanium Credit Card
From busy workdays to spontaneous getaways, your lifestyle isn’t standing still – neither should your credit card.
Built for evolving lifestyles, the Titanium Credit Card comes with added flexibility, rewards, and travel benefits to match.
R
110.00
Monthly fee
R
25 000
*
Min monthly income
R
250 000
Credit limit
Personalised
Interest rate
*
or have a post-grad degree
Some of the benefits
Travel smarter
Get discounts on Emirates flights and Avis car hire, whether it’s for a work trip or weekend getaway
Better stays
Enjoy accommodation for less at over 7 000 local and global destinations with IHG Hotels
Crafted experiences
Get access to live concerts and experiences you care about with Big Concerts, powered by Live Nation
Fitness for less
Unlock unlimited access to over 2 000 workouts with a FIIT subscription and get 25% off your first payment
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
Make every trip work harder for you
- Enjoy 6 visits* per year to any Bidvest Premier domestic lounge and/or the Standard Bank Fluent Lounge (including one guest) at Lanseria airport
- Unlock handpicked experiences and exclusive offers in cities around the world, from live events to sporting experiences
- Get preferential rates, unlimited kilometres and free Super Collision Damage Waiver when you book with Bluu Car Rental
Lifestyle benefits
Get more value from your everyday spending
- Earn up to R10* back in Rewards Points per litre of fuel and oil purchased at Astron Energy or Caltex
- Get 15%* off online purchases at Wine-of-the-Month Club
- Earn from 3* times more UCount Rewards Points every time you use your Titanium Credit Card instead of your debit card
- Unlock your potential with a 75% scholarship through UNICAF
Insurance benefits
Peace of mind wherever life takes you
- Get automatic basic Travel Insurance when you book your trip using your Titanium Credit Card
- Add a Credit Card Protection Plan to cover what you owe in case of death, disability, dread disease, or retrenchment
Want to start using your benefits?
Find out how to access and redeem your travel, lifestyle and insurance benefits in just a few steps.
start redeeming
Card features
- Adjust your credit as your needs change
Request a Credit Limit Increase on the Banking App when your lifestyle grows - Pay securely anywhere in the world
Use your Titanium Mastercard at millions of merchants and ATMs globally - Tap, scan, or pay your way
Tap to Pay™ in-store or link your card to SnapScan or Masterpass for quick mobile payments - Stay in control, wherever you are
Manage your card in real time via the Banking App, online, or at ATMs - Control how your card is used
Easily switch on or off your card at ATMs or online from your Banking App - Flexible spending, one simple limit
Use a single credit limit across straight and budget purchases - Shop online with added protection
3D Secure verification helps keep your online transactions safe
What it costs
- Get up to 55 days interest-free if your balance is paid in full
- Minimum 3% monthly repayment with automatic payment option
- R110 monthly fee with all your card benefits included
- R200 once-off initiation fee
- No monthly fee when bundled with a Prestige Banking Account
*Promotional T&Cs apply.
See 2026 pricing guide
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 Titanium 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 R25 000 or more per month**
*You must be over 18. Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
**Or have a post-grad degree
-
What you get
-
Card features
-
What it costs
-
How to get it
Travel benefits
Make every trip work harder for you
- Enjoy 6 visits* per year to any Bidvest Premier domestic lounge and/or the Standard Bank Fluent Lounge (including one guest) at Lanseria airport
- Unlock handpicked experiences and exclusive offers in cities around the world, from live events to sporting experiences
- Get preferential rates, unlimited kilometres and free Super Collision Damage Waiver when you book with Bluu Car Rental
Lifestyle benefits
Get more value from your everyday spending
- Earn up to R10* back in Rewards Points per litre of fuel and oil purchased at Astron Energy or Caltex
- Get 15%* off online purchases at Wine-of-the-Month Club
- Earn from 3* times more UCount Rewards Points every time you use your Titanium Credit Card instead of your debit card
- Unlock your potential with a 75% scholarship through UNICAF
Insurance benefits
Peace of mind wherever life takes you
- Get automatic basic Travel Insurance when you book your trip using your Titanium Credit Card
- Add a Credit Card Protection Plan to cover what you owe in case of death, disability, dread disease, or retrenchment
Want to start using your benefits?
Find out how to access and redeem your travel, lifestyle and insurance benefits in just a few steps.
start redeeming
- Adjust your credit as your needs change
Request a Credit Limit Increase on the Banking App when your lifestyle grows - Pay securely anywhere in the world
Use your Titanium Mastercard at millions of merchants and ATMs globally - Tap, scan, or pay your way
Tap to Pay™ in-store or link your card to SnapScan or Masterpass for quick mobile payments - Stay in control, wherever you are
Manage your card in real time via the Banking App, online, or at ATMs - Control how your card is used
Easily switch on or off your card at ATMs or online from your Banking App - Flexible spending, one simple limit
Use a single credit limit across straight and budget purchases - Shop online with added protection
3D Secure verification helps keep your online transactions safe
- Get up to 55 days interest-free if your balance is paid in full
- Minimum 3% monthly repayment with automatic payment option
- R110 monthly fee with all your card benefits included
- R200 once-off initiation fee
- No monthly fee when bundled with a Prestige Banking Account
*Promotional T&Cs apply.
See 2026 pricing guide
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 Titanium 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 R25 000 or more per month**
*You must be over 18. Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
**Or have a post-grad degree
Frequently asked questions
Why should I choose the Titanium Credit Card?
The Titanium Credit Card is ideal for urban professionals, young couples, and individuals with growing incomes who want a balance between practical day-to-day spending and added lifestyle benefits. Whether you’re managing monthly expenses, travelling occasionally, or enjoying entertainment and experiences, the Titanium Credit Card gives you more from what you already spend.
How is the Titanium Credit Card different to other credit cards?
It offers a step up from entry-level cards by combining everyday flexibility with meaningful lifestyle and travel benefits.
Unlike more basic cards, you get added value through rewards on daily spending, savings on travel (including flights, car hire, and hotels), and access to entertainment experiences like concerts and events.
At the same time, it remains more accessible than premium cards, making it ideal for if you want more value and benefits as your lifestyle grows.
Unlike more basic cards, you get added value through rewards on daily spending, savings on travel (including flights, car hire, and hotels), and access to entertainment experiences like concerts and events.
At the same time, it remains more accessible than premium cards, making it ideal for if you want more value and benefits as your lifestyle grows.
What are the monthly and annual fees?
There are no annual fees, only a once-off initiation fee of R200.
The monthly fee is R110.
The monthly fee is R110.
How do I redeem my Titanium Credit Card benefits?
Every time you use your card, you’re earning benefits. It’s easy to redeem them. Simply 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.
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.
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We also offer
Prestige Banking Account
Prestige opens the door to a more refined banking experience, where expert guidance, exclusive benefits, and smart financial tools come together to help you build and grow your wealth.
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.
