Simplifying the Standard Bank Gold Credit Card Application Process

Rewards, travel, and more

The Standard Bank Gold Credit Card offers a compelling combination of lifestyle, travel, and insurance benefits for a reasonable monthly fee of R63. With a minimum monthly income of R5,000, you could qualify for a credit limit of up to R250,000 and a personalized interest rate.

Enjoy travel perks like flight discounts with Emirates and automatic basic travel insurance. Get up to 10% cash back on Booking.com accommodation and 10% off when you spend R300 or more on ProGifts.

Indulge in exclusive deals on dining, entertainment, and unforgettable experiences. 

The Standard Bank Gold Credit Card offers up to 55 days of free interest on purchases if your account is paid in full by the due date. You only need to make a minimum monthly repayment of 3% of your outstanding balance.

For added convenience, set up automatic payments to avoid missing a due date and incurring fees. The card comes with a monthly fee of R63 and a one-time initiation fee of R190.

Beyond chip-and-PIN security, the card provides secure online transactions, contactless payments, and mobile payment options.

This card is ideal for frequent travelers and those who enjoy lifestyle benefits. Consider your spending habits and financial situation to determine if this card aligns with your needs.

Eligibility and requirements

Before applying for the Standard Bank Gold Credit Card, ensure you meet the eligibility criteria and have the necessary documents ready. Here’s what you’ll need:

• A copy of your South African ID (or passport if you’re not a South African citizen).
• A recent payslip to demonstrate your income.
• Three months of your bank statements to provide a clear picture of your financial situation.
• A document not older than 3 months verifying your current address (utility bill, rental agreement, etc.).
• A minimum monthly income of R5,000 or more.
• You must be over 18 years old.

Please note: approval for the Standard Bank Gold Credit Card is subject to credit checks and compliance with the Financial Intelligence Centre Act (FICA) requirements.

Standard Bank Gold Credit Card: How to Apply

Applying for the Standard Bank Gold Credit Card is convenient and can be done through various methods depending on your banking situation.

Existing Standard Bank Account Holders:

• Internet Banking:
  1. Sign in to your Standard Bank Internet Banking profile.
  2. Select “Borrow” from the top navigation menu and complete the application form.
  3. Follow the on-screen instructions to find out if you pre-qualify for the Gold Credit Card.
• Standard Bank App:
  1. Sign in to your Standard Bank App.
  2. Tap “More” on the bottom of the screen and then “Open a new account.”
  3. Select “Personal Lending” and then “Credit Card” and follow the on-screen application steps.
• Cellphone Banking:
  1. Ensure you have at least R2 airtime.
  2. Dial 1202345# on your cellphone.
  3. Select option 3 and follow the easy application steps.

Don’t Have a Standard Bank Account?

You can still apply for the Standard Bank Gold Credit Card by:

• Completing a Call Me Back form on the Standard Bank website.
• Using Cellphone Banking (process might differ).

Increase your limit (existing cardholders only)

There are two convenient ways to request a credit limit increase:

• Standard Bank Mobile App:
  1. Sign in to your Standard Bank App.
  2. Tap on your “Credit Card Tile” within the Accounts section.
  3. Locate the “Credit Limit Increase” tile and tap “Apply.” (*This tile might vary slightly)
  4. Follow the on-screen prompts to determine your eligibility for an increase.
  5. Personalize your offer and complete the application process.
• Call Me Back Form:
  1. Complete a Call Me Back form on the Standard Bank website and a representative will contact you.

Considering other options?

If you prioritize travel perks, you might find the Absa British Airways Credit Card to be an excellent choice. With its offering of miles, insurance coverage, and lounge access, it caters well to frequent flyers and travel enthusiasts. 

Before making a decision, compare rewards programs carefully to find the best fit.

Written by

Ellen Queiroz (Redatora)