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World Citizen Credit Card

World Citizen Credit Card

Get our Black Card and experience only the best travel and lifestyle perks wherever you go.

Some of the benefits

Travel perks

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

Concierge assistance

Get personalised travel concierge assistance whenever you need it

Lounge access

Enjoy access to local and international lounges

Accommodation

Get up to 5%* cashback when you book any domestic or international hotel, apartment and more
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 

Lifestyle benefits 

  • Get  15%* off online purchases when you shop at Wine-of-the-Month Club
  • Ship your online purchases home for less and shop at thousands of U.S. online stores through MyUS
  • Discover a world of luxury shopping and exclusive offers at 9 shopping centres in Europe through Bicestercollection when you use your Credit Card
  • Get access to food and lifestyle offers on the Priceless Specials MEA App
  • Enjoy 2* months of Lingokids for free for new users and thereafter get 30%* off monthly subscriptions 
  • Enjoy 10%* off selected items on Farfetch.com
  • Get free internet access for 11 months from AlwaysOn Wi-Fi when buying one month with your World Citizen 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
  • Enjoy 25% discount on your first Fiit subscription payment with your Credit Card 
  • Get your Mastercard Gamer Pass to participate in one of the biggest online gaming community at Gogamers
  • Experience the ultimate day out at any of McArthurGlen’s 26 centres. Shop designer fashion for up to 70% less from your favourite brands.
  • Access Global Blue VIP Services for tax-free shopping with Mastercard. Register and present your Mastercard for complimentary access
  • Receive complimentary gold status membership and silver tier benefits with Legacy Lifestyle Rewards
  • Get up to 10%* discount on surgeries & procedures when you pay with your Eligible Mastercard Medical Tourism Concierge
  • Earn up to *double UCount Rewards Points  every time you use your qualifying Credit Card, no matter where you shop

 


Insurance benefits


Want to know how to redeem your benefits?

Your World Citizen 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 Black 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 World Citizen 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
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 
  • R199 monthly fee 
  • R180 initiation fee 
  • No monthly fee if bundled with a Private Banking Signature account 

*Promotional T&Cs apply.

See 2024 pricing guide
See 2023  pricing guide

How to get it

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
     

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 R25 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 

Lifestyle benefits 

  • Get  15%* off online purchases when you shop at Wine-of-the-Month Club
  • Ship your online purchases home for less and shop at thousands of U.S. online stores through MyUS
  • Discover a world of luxury shopping and exclusive offers at 9 shopping centres in Europe through Bicestercollection when you use your Credit Card
  • Get access to food and lifestyle offers on the Priceless Specials MEA App
  • Enjoy 2* months of Lingokids for free for new users and thereafter get 30%* off monthly subscriptions 
  • Enjoy 10%* off selected items on Farfetch.com
  • Get free internet access for 11 months from AlwaysOn Wi-Fi when buying one month with your World Citizen 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
  • Enjoy 25% discount on your first Fiit subscription payment with your Credit Card 
  • Get your Mastercard Gamer Pass to participate in one of the biggest online gaming community at Gogamers
  • Experience the ultimate day out at any of McArthurGlen’s 26 centres. Shop designer fashion for up to 70% less from your favourite brands.
  • Access Global Blue VIP Services for tax-free shopping with Mastercard. Register and present your Mastercard for complimentary access
  • Receive complimentary gold status membership and silver tier benefits with Legacy Lifestyle Rewards
  • Get up to 10%* discount on surgeries & procedures when you pay with your Eligible Mastercard Medical Tourism Concierge
  • Earn up to *double UCount Rewards Points  every time you use your qualifying Credit Card, no matter where you shop

 


Insurance benefits


Want to know how to redeem your benefits?

Your World Citizen 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 Black 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 World Citizen 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 
  • R199 monthly fee 
  • R180 initiation fee 
  • No monthly fee if bundled with a Private Banking Signature account 

*Promotional T&Cs apply.

See 2024 pricing guide
See 2023  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
     

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 R25 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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