Gold Credit Card
Get all the lifestyle, travel and insurance benefits you’re looking for at an affordable rate with our Gold Credit Card.
R
63.00
Monthly fee
R
5 000
Min monthly income
R
250 000
Credit limit
Personalised
Interest rate
Some of the benefits
Travel perks
Enjoy flight discounts with Emirates for up to 20%* and get automatic basic travel insurance
Priceless specials
Get priceless offers on dining, leisure and more
Booking.com
Get up to 10%* cash back when you book on Booking.com using your Credit Card
Treat yourself
Enjoy 10% off all hard and softshell luggage from Gopals
Take your credit card to the digital era
Stay in control of your Credit Card with the help of our digital platforms.
What you get
Travel benefits
- Get up to 20%* off on Emirates flights when you book through Leisure Desk
- Access handpicked experiences and offers in cities around the world with Priceless Cities
- Get up to 10%* cash back when you book on Booking.com using your Credit Card
- Enjoy 10%* off all hard and softshell luggage from Gopals
- Get up to 10% discount on car rental when you book through Rentalcars.com
- Get up to 10% discount on car rental when you book through Budget car rental
- Get up to 20% discount on car rental when you book throughup through Avis
- Get 15% * discount on IHG Hotels & Resorts across Europe, Maldives, India, Middle East & Africa when you book at IHG
Lifestyle benefits
- Get 15%* off wine, coffee, olive oils and more when you purchase online at Wine-of-the-Month Club
- Get access to food and lifestyle offers on the Priceless Specials MEA App
- Earn from 3* times more UCount Rewards Points every time you use your qualifying Credit Card, no matter where you shop
- Enjoy 2* months of Lingokids for free for new users and thereafter get 30%* off monthly subscriptions for new and existing customers
- Enjoy 25% discount on your first Fiit subscription payment with your 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
- Get your Mastercard Gamer Pass to participate in one of the biggest online gaming community at Gogamers
- Get up to 10%* discount on surgeries & procedures when you pay with your Eligible Mastercard for Medical Tourism Concierge
You also qualify for the following discounts when you use your Gold Credit Card (valid until 31 December 2024):
- 40% Off on your monthly SWEAT 1000 app subscription
- 50% Off your first UCOOK meal kit order and 30% off on your next order
- Get a 30% discount on any skincare order from SKOON
- Receive 20% off online as a first-time Faithful to Nature customer
- 10% Off your online purchases from SportSA
Insurance benefits
- You are covered with automatic basic Travel Insurance
- Get a mandatory Credit Card Protection Plan and take the stress out of using your Credit Card, knowing that what you owe is covered in the event of death, disability, dread disease, retrenchment, and loss of income
Want to know how to redeem your benefits?
Your Gold Credit Card comes with several travel, lifestyle and insurance perks. Find out how to access and redeem these benefits.
Card features
- Chip- and PIN-enabled 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 Gold 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
Increase your Credit Card Limit
Increase your Credit Card Limit
Please note that the credit limit increase option is only available if you have an existing Standard Bank Credit Card. All limit increases are based on your card account and credit history. T&Cs apply.
How you can apply for an increase:
- Sign into your Standard Bank App
- Tap on your Credit Card Tile in the Accounts section
- Next, tap on ‘Apply’ on the ‘Credit Limit Increase’ tile*
- Follow the prompts to find out how much you qualify for
- Personalise your offer and complete your application
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
- R63 monthly fee
- R190 initiation fee
*Promotional T&Cs apply.
See 2025 pricing guide
See 2024 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 Cellphone Banking:
Please make sure you have a minimum of R2 airtime to begin your application
- Dial *120*2345# on your cellphone
- 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
Don’t have a Standard Bank Account?
See if you qualify by getting an instant quote or dial *120*2345
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 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
-
Increase your Credit Card Limit
-
What it costs
-
How to get it
Travel benefits
- Get up to 20%* off on Emirates flights when you book through Leisure Desk
- Access handpicked experiences and offers in cities around the world with Priceless Cities
- Get up to 10%* cash back when you book on Booking.com using your Credit Card
- Enjoy 10%* off all hard and softshell luggage from Gopals
- Get up to 10% discount on car rental when you book through Rentalcars.com
- Get up to 10% discount on car rental when you book through Budget car rental
- Get up to 20% discount on car rental when you book throughup through Avis
- Get 15% * discount on IHG Hotels & Resorts across Europe, Maldives, India, Middle East & Africa when you book at IHG
Lifestyle benefits
- Get 15%* off wine, coffee, olive oils and more when you purchase online at Wine-of-the-Month Club
- Get access to food and lifestyle offers on the Priceless Specials MEA App
- Earn from 3* times more UCount Rewards Points every time you use your qualifying Credit Card, no matter where you shop
- Enjoy 2* months of Lingokids for free for new users and thereafter get 30%* off monthly subscriptions for new and existing customers
- Enjoy 25% discount on your first Fiit subscription payment with your 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
- Get your Mastercard Gamer Pass to participate in one of the biggest online gaming community at Gogamers
- Get up to 10%* discount on surgeries & procedures when you pay with your Eligible Mastercard for Medical Tourism Concierge
You also qualify for the following discounts when you use your Gold Credit Card (valid until 31 December 2024):
- 40% Off on your monthly SWEAT 1000 app subscription
- 50% Off your first UCOOK meal kit order and 30% off on your next order
- Get a 30% discount on any skincare order from SKOON
- Receive 20% off online as a first-time Faithful to Nature customer
- 10% Off your online purchases from SportSA
Insurance benefits
- You are covered with automatic basic Travel Insurance
- Get a mandatory Credit Card Protection Plan and take the stress out of using your Credit Card, knowing that what you owe is covered in the event of death, disability, dread disease, retrenchment, and loss of income
Want to know how to redeem your benefits?
Your Gold Credit Card comes with several travel, lifestyle and insurance perks. Find out how to access and redeem these benefits.
- Chip- and PIN-enabled 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 Gold 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
Increase your Credit Card Limit
Please note that the credit limit increase option is only available if you have an existing Standard Bank Credit Card. All limit increases are based on your card account and credit history. T&Cs apply.
How you can apply for an increase:
- Sign into your Standard Bank App
- Tap on your Credit Card Tile in the Accounts section
- Next, tap on ‘Apply’ on the ‘Credit Limit Increase’ tile*
- Follow the prompts to find out how much you qualify for
- Personalise your offer and complete your application
- Get up to 55 days free interest if your account is paid in full
- 3% minimum monthly repayment with automatic payment option
- R63 monthly fee
- R190 initiation fee
*Promotional T&Cs apply.
See 2025 pricing guide
See 2024 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 Cellphone Banking:
Please make sure you have a minimum of R2 airtime to begin your application
- Dial *120*2345# on your cellphone
- 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
Don’t have a Standard Bank Account?
See if you qualify by getting an instant quote or dial *120*2345
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 R5 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.
Credit Card FAQS
Do you want to learn more about how your credit card works?
Tips and guidance
Getting started
Getting started
See how you can make the most of your new 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…
Using your card
Using your card
Making changes to your card is quick, safe and easy when you know how.
Keeping your card safe
Keeping your card safe
Register now to benefit from paying with your Credit, Cheque or Debit card.
We also offer
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.
Need help?