Learn more about Standard Bank Gold Mastercard Credit Card and know how you can apply!
The Standard Bank Gold Credit Card offers many competitive advantages and one of the higher limits on cards in South Africa. It is an ideal option for people with a mid-range to low income, especially if you travel quite often. So if you want a card that has many benefits, a limit that can go up to R250,000.00 and requires a R5,000.00 monthly income, this might be your right choice.
It is one of the country’s favorite credit cards. Want to learn more about it? Keep reading and get to know its benefits and how to apply!
What are the benefits of Standard Bank’s Gold Mastercard Credit Card?
- 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 and Budget car rental up to 20% through Avis
- Enjoy up to 20% off flight prices anywhere in the world when you visit Travelstart and book with your Credit Card
- Get 15% discount on IHG Hotels & Resorts across Europe, Maldives, India, Middle East & Africa when you book at IHG
- 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 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 are covered with automatic basic Travel Insurance
- Get an optional Credit Card Protection Plan
- 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 their ATMs
- Activate or disable till-point, ATM and online card functionality using their app
- Get up to 55 days free interest if your account is paid in full
- 3% minimum monthly repayment with automatic payment option
Pros vs Cons?
| ✔️ PROS | ❌ CONS |
| Benefits like Discounts, Cash Back, Travel Insurance, Protection Plan, UCount Rewards |
UCount Rewards points can’t be used outside of the ones selected by the reward program |
| Internacional coverage |
2.75% of International Transaction Fee |
| Limit up to R250,000.00 |
Monthly Fee of R63,00 + Initiation Fee of R180,00
|
How do I apply for the Standard Bank Gold Mastercard Credit Card?
To be eligible for this credit card, all you need is to have a South Africa ID, proof of residence, be over 18 and have a minimal monthly income of R5,000.00. Here’s how it works:
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:
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
Don’t have a Standard Bank Account?
You can still apply for a credit card by:
- Completing a Call Me Back form
- Cellphone Banking
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.