World Citizen Credit Card
Enjoy unrestricted global travel experiences and benefits that support how you move across the world.
You don’t live in one place, and your credit card shouldn’t either. Designed for those who move across borders, the World Citizen gives you access that keeps up wherever you go.
R
340.00
Monthly fee
R
92 000
Min monthly income
R
250 000
Credit limit
Personalised
Interest rate
Some of the benefits
Unlimited lounge access
Move through airports worldwide with unlimited* access to lounges locally and internationally
Travel without limits
Book flights with up to 40%* off with Standard Bank Travel, and enjoy 15% off hotels across 7 000+ destinations
Drive globally with ease
Enjoy up to 35% off local and international car rental through Priceless with Avis
Premium experiences
Access curated dining, entertainment, and city experiences through Priceless Cities
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
Travel around the world with ease
- Enjoy unlimited* complimentary access per year for you, one guest, and one child under the age of 2 to Bidvest airport lounges
- Get unlimited* complimentary visits a year for you, one guest, and two kids under the age of 12 to the Standard Bank Library Lounge at OR Tambo International Airport, and Standard Bank Fluent Lounge at Lanseria Airport as part of your journey
- Get 15%* off when you reserve an airport ride on the Uber App through Standard Bank Travel
- Get up to 20%* off Emirates flights when booking your roundtrip flight
- Move easily between destinations with up to 35%* off international car rental and chauffeur services through Priceless with Avis
- Continue your journey with up to 15%* off car rental through global partners including Hertz, Rentalcars.com, and Budget
- Stay in luxury hotels and resorts with 15%* off on accommodation
- Travel prepared with 10%* off hard- and softshell luggage from Gopals
Lifestyle benefits
Elevate how you live, shop and experience the world
- Enjoy preferred access to global fashion with 10%* off selected items on Farfetch
- Discover luxury shopping experiences across Europe through Bicester Collection and access exclusive offers with Priceless
- Shop internationally with ease and ship purchases home for less through Priceless partner MyUS
- Enjoy 15%* off online purchases at Wine of the Month Club
- Access leading designer outlets across Europe with up to 70%* off at McArthurGlen’s 26 centres
- Benefit from Global Blue VIP Services for tax-free shopping when travelling internationally
- Get up to 10%* off selected procedures through Mastercard Medical Tourism Services
- Earn up to 3* times more UCount Rewards Points when you use your World Citizen Credit Card instead of your debit card
Insurance benefits
Cover wherever you travel
- Travel with peace of mind knowing you’re covered if your luggage goes missing or you experience flight delays
- Make your travel worry-free as we've got you covered in case of a medical emergencies
- Generate a travel insurance letter seamlessly and instantaneously for your visa application needs
- Get Purchase Protection and swipe your credit card with confidence
- Get coverage in case you’re robbed or forced by threat to withdraw cash from an ATM with our ATM Robbery Insurance
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 when needed
Request a credit limit increase through the Banking App - Pay worldwide
Use your Black Mastercard at millions of merchants and ATMs worldwide, with consistent global acceptance - Pay your way, wherever you are
Tap to Pay™ in-store or link your card to SnapScan or Masterpass for mobile payments - Manage your card at any time
Access and manage your World Citizen Credit Card on your phone, in-app, online or at ATMs - Stay in control of your transactions
Activate or disable till-point, ATM, and online payments using your Banking App - 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 account is paid in full
- Minimum 3% monthly repayment with automatic payment option
- R340 monthly fee with all your card benefits included
- R200 once-off initiation fee
- No monthly fee when bundled with a Signature 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 World Citizen 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 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 R92 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
Travel around the world with ease
- Enjoy unlimited* complimentary access per year for you, one guest, and one child under the age of 2 to Bidvest airport lounges
- Get unlimited* complimentary visits a year for you, one guest, and two kids under the age of 12 to the Standard Bank Library Lounge at OR Tambo International Airport, and Standard Bank Fluent Lounge at Lanseria Airport as part of your journey
- Get 15%* off when you reserve an airport ride on the Uber App through Standard Bank Travel
- Get up to 20%* off Emirates flights when booking your roundtrip flight
- Move easily between destinations with up to 35%* off international car rental and chauffeur services through Priceless with Avis
- Continue your journey with up to 15%* off car rental through global partners including Hertz, Rentalcars.com, and Budget
- Stay in luxury hotels and resorts with 15%* off on accommodation
- Travel prepared with 10%* off hard- and softshell luggage from Gopals
Lifestyle benefits
Elevate how you live, shop and experience the world
- Enjoy preferred access to global fashion with 10%* off selected items on Farfetch
- Discover luxury shopping experiences across Europe through Bicester Collection and access exclusive offers with Priceless
- Shop internationally with ease and ship purchases home for less through Priceless partner MyUS
- Enjoy 15%* off online purchases at Wine of the Month Club
- Access leading designer outlets across Europe with up to 70%* off at McArthurGlen’s 26 centres
- Benefit from Global Blue VIP Services for tax-free shopping when travelling internationally
- Get up to 10%* off selected procedures through Mastercard Medical Tourism Services
- Earn up to 3* times more UCount Rewards Points when you use your World Citizen Credit Card instead of your debit card
Insurance benefits
Cover wherever you travel
- Travel with peace of mind knowing you’re covered if your luggage goes missing or you experience flight delays
- Make your travel worry-free as we've got you covered in case of a medical emergencies
- Generate a travel insurance letter seamlessly and instantaneously for your visa application needs
- Get Purchase Protection and swipe your credit card with confidence
- Get coverage in case you’re robbed or forced by threat to withdraw cash from an ATM with our ATM Robbery Insurance
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 when needed
Request a credit limit increase through the Banking App - Pay worldwide
Use your Black Mastercard at millions of merchants and ATMs worldwide, with consistent global acceptance - Pay your way, wherever you are
Tap to Pay™ in-store or link your card to SnapScan or Masterpass for mobile payments - Manage your card at any time
Access and manage your World Citizen Credit Card on your phone, in-app, online or at ATMs - Stay in control of your transactions
Activate or disable till-point, ATM, and online payments using your Banking App - Shop online with added protection
3D Secure verification helps keep your online transactions safe
- Get up to 55 days interest-free if your account is paid in full
- Minimum 3% monthly repayment with automatic payment option
- R340 monthly fee with all your card benefits included
- R200 once-off initiation fee
- No monthly fee when bundled with a Signature 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 World Citizen 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 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 R92 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 World Citizen Credit Card?
The World Citizen Credit Card is designed for individuals who live and move globally, and expect their credit card to keep up.
It’s ideal for business owners, travel vloggers, executives, and frequent travellers who value consistent access across borders, from airport lounges and global travel benefits to curated experiences in cities around the world. More than just a credit card, it supports a lifestyle that isn’t tied to one place, giving you the freedom to move, spend, and experience more, wherever you are.
How is the World Citizen Card different to other credit cards?
The World Citizen Credit Card is built around global access and experience, rather than everyday spending or traditional rewards.
Unlike other credit cards, it offers unrestricted lounge access, international travel advantages, and entry into curated experiences across major cities worldwide. It is ideal if you don’t just travel occasionally, but live across borders, providing a higher level of access, flexibility, and recognition wherever you go.
What are the monthly and annual fees?
There are no annual fees, only a once-off initiation fee of R200.
The monthly fee is R340.
The monthly fee is R340.
How do I redeem my World Citizen Credit Card benefits?
Your World Citizen Credit Card gives you access to a range of global travel, experience, and protection 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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Follow a few simple steps to unlock rewards, discounts, and experiences in minutes.
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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.
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