Standard Bank Credit Card: Here’s how you can easily apply for a credit card in the Standard Bank

Here is a step-by-step guide to easily apply for a credit card from the Standard Bank.

In Short

1. The minimum age to apply for the Standard Bank credit card should be at least 18 years.
2. The maximum age to apply for a credit card should not be more than 60 years.
3. The credit score of the applicant must be decent to avail of a Gold, Blue, Titanium, or Platinum credit card.

With the advancement in technology, applying for a credit card has become simpler and easier. Standard Bank offers various rewards for transactions done via credit card. Through Standard Bank, you can effortlessly apply for a Standard Credit Card through the official website, www.standardbank.co.za.

What is the Standard Bank credit card?

This card is a financial product offered by Standard Bank, a banking institution in various countries including South Africa. Gold card is designed to offer customers a wide range of benefits and features that suit their lifestyle and financial needs.

Key features of the Gold Credit Card typically include:

• Up to 55 days of interest-free on select transactions.
• Standard Bank typically offers online banking platforms and mobile apps that allow cardholders to manage their accounts, track their spending, and make payments conveniently.
• Advanced security features such as chip technology and one-time passwords help protect against fraudulent transactions.
• Standard Bank generally provides customer support services to assist cardholders with any inquiries, issues, or concerns related to their credit card account.
• Swipe your credit card and earn even more UCount Rewards Points than you would with a debit or cheque card.
• You can get up to 20%* back in rewards points on all your qualifying grocery purchases, and up to R5* back in rewards points.
• Fuel purchased Per liter from Caltex and up to 1.25%* back in rewards points on all your other purchases.
• Up to 20%* off the base fare on Emirate flights when booking with Leisure Desk.

How to choose the best credit card?

To find the Standard Bank credit card for this list, we evaluated each card based on its fees, rewards, welcome bonuses, introductory offers, features, and benefits.

• Gold Credit Card
• Titanium Credit Card
• Platinum Credit Card
• Diners Club Platinum Credit Card
• Diners Club Shari’ah Charge Card
• Diners Club Beyond Credit Card
• World Citizen Credit Card
• Blue Credit Card

Gold Credit Card

Rates & fees

1. Get up to 55 days interest-free on qualifying transactions
2. No transaction fees on purchases
3. Monthly fee Fixed R63
4. R180 initiation fee
5. Credit limit Up to 250 000

Requirements

1. Monthly income required R5 000
2. Age must be 18 years or older
3. Valid South African ID book or Smart card, proof of residence, and the latest proof of income for three consecutive months

Features and Benefits

• Free lost card protection
• Enjoy flight discounts with Emirates for up to 20%* and get automatic basic travel insurance.
• Get up to 10%* cash back when you book on Booking.com using your Credit Card.
• Get up to 20%* off on Emirates flights.
• Get a 15% discount on IHG Hotels & Resorts.

Titanium Credit Card

Requirements

1. Monthly income required R25 000
2. Age must be 18 years or older
3. Valid South African ID book or Smart card, proof of residence, and the latest proof of income for three consecutive months

Features and Benefits

• Get up to 20%* off on Emirates flights.
• Enjoy up to 20%* off your next international car rental.
• Get up to 10%* cash back when you book on Booking.com
• Get covered with automatic basic Travel Insurance.

Rates & Fees

• Get up to 55 days interest-free on qualifying transactions
• Monthly fee Fixed at R89
• R190 initiation fee
• Credit limit Up to 250 000

Platinum Credit Card

Rates & fees

1. Get up to 55 days interest-free on qualifying transactions
2. No transaction fees on purchases
3. Monthly fee Fixed R108
4. R180 initiation fee
5. 3% minimum monthly repayment
6. Credit limit Up to 250 000

Requirements

1. Monthly income required R58 000
2. Age must be 18 years or older
3. Valid South African ID book or Smart card, proof of residence, and the latest proof of income for three consecutive months

Features and Benefits

• Get up to 20%* off on Emirates flights*
• Enjoy up to 20%* off your next international car rental*
• Get  15%* off purchases*
• Get up to 10%* discount on surgeries & procedures*
• You are covered with automatic basic Travel Insurance*
• Enjoy a 25% discount on your first Fiit subscription payment with your Credit Card

Diners Club Platinum Credit Card

Requirements

1. Annual income required R500000
2. Age must be 18 years or older
3. Valid South African ID book or Smart card, proof of residence, and the latest proof of income for three consecutive months

Features and Benefits

• Diners Club International offers access to nearly 1,300 airport lounges
• Flight discounts* with Emirates up to 20% off economy flights, up to 15%
• Complimentary Lifestyle and Entertainment Concierge Service.
• Complimentary access to over 45 million WiFi hotspots around the world.

Rates & Fees

• Get up to 55 days interest-free on qualifying transactions
• Monthly fee Fixed at R120
• Minimum Monthly repayment: 3%
• Fixed Interest Rate

Standard Bank Credit Card Fee 2024

How to apply for a credit card in Standard Bank

To apply for the Standard Bank credit card, you have first to check the eligibility criteria, whether you are a salaried or self-employed individual. The bank provides several credit cards based on the eligibility criteria of the person who has applied for the cards. Several factors determine the eligibility of a candidate:

1- Age: To apply for a credit card, the applicant’s minimum age should be at least 18 years. The maximum age for the applicant to apply for a credit card is 60 years.

2- Credit Score: The credit score plays a crucial role in deciding whether an applicant is eligible for a credit card or not. The credit score of a credit card applicant must be decent enough to get a credit card.

3- Income: A person with a regular income can apply for a card.

4- Documentation: Different documents such as valid proof of identity, address, and income are required to apply for a credit card.

Here are some steps to applying for a credit card at Standard Bank

1. Visit the official website of the Standard Bank, www.standardbank.co.za.
2. Choose the best credit card according to your needs.
3. Now, select a Card of choice and click ‘Apply Now’.
4. Fill in the form and verify your mobile number.
5. Tap on the next step and follow the online instructions.
6. Once you are done with submitting the form, a representative from the bank will contact you. If you’re eligible for the credit card, your form will be processed further and you’ll receive the card.

Note: If your card is lost or stolen, report the loss or theft immediately by contacting Standard Bank at 0800 020 600, +27 10 249 0100. You can also send mail to information@standardbank.co.za, for more information visit standardbank.co.za, or use Standard Bank App. Read our previously published article on checking Standard Bank credit card application status.

Frequently Asked Questions

Editorial Note: The information presented in this article is not provided by the Standard Bank. The article has been created for educational purposes and is intended to be helpful for customers of the Bank. It should be emphasized that the content is not endorsed or validated by the Bank, and readers should refer to the official website for accurate and up-to-date information about the bank’s products and services.

Author

Hello friends, my name is RK Singh, and I am an engineer. But by profession, I am a blogger. My main goal in starting this blog is to solve the difficulties people face in using online banking, bank branch codes, debit cards, and credit cards. I am not affiliated with any bank or company. I try my best to give the correct information to the people so that they can achieve their goals in the right way.

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