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Standard Bank Titanium Credit Card

Geovana Ramos
December 4, 2023

The Standard Bank Titanium credit card represents a premium approach to financial services, offering exclusive benefits. With up to 55 days interest-free, it provides a sophisticated and convenient financial experience.

A generous credit limit is another advantage of the Standard Bank Titanium credit card, allowing for greater flexibility and purchasing power.

The Standard Bank Titanium credit card offers a robust rewards program and global acceptance. Continue reading to discover all the details and benefits this card can offer.

About the Standard Bank:

Standard Bank, established in 1862, is one of Africa’s largest financial services groups. Headquartered in Johannesburg, South Africa, it operates in 20 African countries and several international markets, offering a wide range of banking and financial services to personal, business, and corporate clients.

The bank provides comprehensive services, including personal banking with accounts, loans, credit cards, and insurance; business banking with SME services and corporate finance; and corporate and investment banking with trade finance and global markets. Standard Bank emphasizes digital banking solutions, such as mobile banking apps and digital payment options like SnapScan® and MasterPass®.

Standard Bank is committed to corporate social responsibility, focusing on education, health, and environmental sustainability. It continues to drive innovation in financial services while maintaining a strong presence across Africa and globally.

Card Benefits

UCount Rewards Program: Earn and redeem points: Accumulate UCount points on purchases and redeem them for products and services at the UCount Online Mall.

Financial Protection Plan: Coverage for card debts in cases of death, disability, and containment, ensuring financial security.

International Acceptance: Use the card worldwide for convenient transactions at international establishments.

Interest-Free Period: Enjoy up to 55 days without interest on your purchases, providing financial flexibility and convenience.

Generous Credit Limit: Benefit from a generous credit limit, allowing for greater purchasing power and financial flexibility.

Comprehensive Financial Protection: In addition to the protection plan, enjoy peace of mind with additional financial security measures.

Robust Rewards Program: Quickly accumulate rewards points on everyday purchases, which can be redeemed for a variety of products and services.

Secure Transactions: Top-notch security with EMV chip technology and support for contactless payments, ensuring your transactions are protected against fraud.

Real-Time Fraud Monitoring: Receive immediate alerts about suspicious activities, allowing for swift action to protect your finances.

Zero Liability Fraud Protection: You will not be held responsible for unauthorized purchases, providing greater peace of mind in your daily card usage.

Standard Bank Titanium Fees and Commissions

The Standard Bank Titanium credit card does not charge an annual fee, making it an economical choice. The variable APR is between 20.99% and 29.99%, depending on your credit score. For cash advances, the APR is 29.99%, based on the Prime Rate.

Other fees include a late payment fee of up to $40 and a cash advance fee of 5% of the transaction amount (minimum $10). There are no foreign transaction fees, and the foreign currency conversion fee is 3% per transaction.

Please note that fees and charges are subject to change without prior notice. Always check the latest terms directly on the Standard Bank website.

Positive points

Simplified payment management:
Manage your payments easily with options like SnapScan®, MasterPass®, Internet Banking, Mobile App, and Tap & Go®.
Exclusive Benefits with Prestige Account:
Opening a Prestige account grants access to special benefits, including a check and a credit card, for a personalized financial experience.
Monthly Fee Waiver:
No monthly fee for the credit card, ensuring a more accessible and transparent financial experience.

Negative points

Eligibility and Education Criteria:
Requires a monthly income of $25,000 or more and a 3-year undergraduate and graduate academic background.
Personalized costs:
Service fees from $40 to $199 monthly, with personalized interest rates, may lead to higher costs based on individual financial profiles.
Limit increase after 6 months:
Limit increase available after 6 months, which may be inconvenient for those with immediate financial needs.

Credit card limit

The Standard Bank Titanium credit card offers a personalized credit limit based on each customer’s credit history and financial profile. This approach ensures that the credit limit meets your specific financial needs, providing flexibility and convenience for your purchases.

Existing cardholders can request a credit limit increase through the Standard Bank App. This process evaluates your account and credit history to determine the eligible amount. Note that credit limit adjustments are subject to Standard Bank’s terms and conditions and may vary.

How to apply for Standard Bank Titanium

Visit the Standard Bank website and navigate to the credit card section.
Select the Titanium Credit Card and click on “Apply Now.”
Fill out the online application form with your personal and financial details.
Submit the form and wait for confirmation and further instructions from the bank.

You will be redirected to the card website

How to contact Standard Bank Titanium

For inquiries related to the Standard Bank Titanium Credit Card, you can use the following contact methods:

Phone: South Africa: 0860 123 000 / International: +2710 824 1515
Email: [email protected]

Explore the exceptional benefits and features of the Standard Bank Titanium Credit Card by contacting Standard Bank. Apply to elevate your financial experience!