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Starting your journey with Standard Bank Gold is embarking on a unique experience where flight discounts, special offers, and financial flexibility come together to create a differentiated approach to banking. This card is designed to meet the needs of those who seek more from their financial services.
Imagine enjoying exclusive benefits such as VIP lounge access and earning UCount Rewards points on every purchase. These perks make your everyday spending more rewarding and your travels more enjoyable, setting the Standard Bank Gold apart from other cards.
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With transparency in fees and robust security measures, Standard Bank Gold ensures you manage your finances with confidence and ease. Explore how this card can transform your financial experience and provide you with unparalleled advantages.
About the Standard Bank:
Standard Bank Group is one of Africa’s largest financial services organizations, with roots dating back to 1862. Headquartered in Johannesburg, South Africa, it operates in 20 African countries and key global markets. The bank serves individuals, businesses, and institutions with a wide range of financial products and services.
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The bank’s mission is to drive Africa’s growth by providing innovative and sustainable financial solutions. Their core values include integrity, excellence, client-centricity, teamwork, and innovation. These principles guide their operations and customer interactions, ensuring superior value and experiences.
Standard Bank is committed to corporate social responsibility, focusing on education, healthcare, and sustainable development. Their community projects aim to enhance the quality of life in the regions they serve, reflecting their dedication to positive social impact.
Card Benefits
Priceless Cities: With the Standard Bank Gold, access exclusive experiences and offers in cities around the world, making your travels unforgettable.
UCount Rewards Points: Earn UCount Rewards points on all your purchases with the Standard Bank Gold, continuously accumulating rewards.
Learning with Lingokids: New users receive 2 free months of Lingokids, a fun learning platform.
VIP Lounge Access: Enjoy exclusive access to airport VIP lounges, providing comfort and convenience during your travels.
Flight Discounts: Obtain special discounts on airfare, allowing you to save money while traveling.
Financial Flexibility: Benefit from flexible credit limits adjusted according to responsible card usage.
Standard Bank Gold Fees and Commissions
The Standard Bank Gold card has a monthly annual fee of R40.00, totaling R480.00 per year. Withdrawals from Standard Bank ATMs incur a fee of R4.50 per transaction, while other ATMs charge R9.00 per transaction and withdrawals abroad cost R40.00 per transaction. The interest rate for purchases starts at 20.75% per annum, depending on your credit profile, and cash advances have a rate of 21.00% per annum.
Additionally, the foreign currency conversion fee is 2.75% of the transaction amount. Late payment fees can be up to R145.00, and there is a maintenance fee of R40.00 per month, if applicable.
Fees are subject to change without notice. Check the official Standard Bank website for the most up-to-date information.
Positive points
- Travel and auto insurance benefits:Enjoy automatic basic travel insurance coverage when using Standard Bank Gold. Travel with peace of mind, knowing that you are protected on your adventures.
- Free supplemental card:Get a supplemental card for free, providing the convenience of sharing the financial benefits and facilities of Standard Bank Gold with a loved one.
- Mastercard Gamer Pass:Purchase your Mastercard Gamer Pass and immerse yourself in one of Gogamers largest online gaming communities. Enjoy exclusive perks and immerse yourself in an exceptional gaming experience.
Negative points
- Interest calculated from the date of purchase:Interest in Standard Bank Gold is calculated from the date of purchase, ensuring a transparent approach in all transactions.
- Custom limit increases:Any limit increase on Standard Bank Gold is customised, based on the assessment of your card account and credit history.
- Minimum income required:To enjoy the benefits of Standard Bank Gold,it is necessary to have a minimum monthly income of $ 5,000.00.
Credit card limit
The Standard Bank Gold credit card offers a flexible credit limit based on your individual credit profile and financial standing. The credit limit can go up to R250,000, providing significant purchasing power. The bank regularly reviews your account and may adjust the limit according to your responsible use of the card and your credit history.
To request an increase in your credit limit, you can sign into your Standard Bank App, tap on your Credit Card Tile in the Accounts section, and follow the prompts under ‘Apply for a Credit Limit Increase.’ This personalized approach ensures that your credit limit aligns with your financial needs and usage patterns.
How to apply for Standard Bank Gold
- Visit the Website: Go to the dedicated webpage for the Standard Bank Gold card.
- Complete the Online Application: Fill out the application form with your personal details, ensuring all information is accurate and up to date.
- Application Review: Once submitted, Standard Bank will conduct a thorough review of your application.
- Await Confirmation: The bank will contact you for any additional information needed or to confirm the approval of your application.
How to contact Standard Bank
To get in touch you can use the following two means:
- Customer Care Phone Number: South Africa: 0860 123 000 / International: +2710 824 1515
- Email: [email protected]
