Standard Bank Gold Credit Card Review

Enjoy everyday convenience with Standard Bank Gold Credit Card: flexible credit, rewards program, and reliable financial support nationwide.

Step into a brighter, more rewarding world with the Standard Bank Gold Credit Card—designed for savvy spenders who want more out of every swipe. Whether you’re jetting off or just tapping at your neighbourhood cafe, this card blends everyday value with elite rewards, letting you shop smart, travel effortlessly, and bank seamlessly.

Imagine enjoying automatic travel insurance, generous travel and lifestyle discounts, and loyalty rewards—all while having the freedom of up to 55 interest-free days, supercharged digital controls, and peace of mind backed by robust security. It’s not just banking; it’s elevating your lifestyle with a turn of the card! 

Benefits of the Standard Bank Gold Credit Card

1. Travel Insurance, Auto-Included: Just swipe your Gold Credit Card to book flights and enjoy automatic travel insurance—no add-ons required, just peace of mind wherever your adventures take you. 
2. Exciting Flight & Booking Discounts: Save up to 20% on Emirates flights via Leisure Desk, score cashback up to 10% on Booking.com, and enjoy 15% off at IHG Hotels, making every trip more affordable and luxurious. 
3. Car Rental Perks: Cruise with ease—get 10–20% off car rentals via Rentalcars.com, Budget, or Avis. Whether it’s a road trip or airport rental, you’re covered in style. 
4. Wallet & Lifestyle Discounts: Live well with 10% off luggage from Gopals and 15% off wines, coffee, and oils from Wine‑of‑the‑Month Club—and tap into exclusive offers via Priceless Specials and Priceless Cities. 
5. Accelerated UCount Rewards Points: Earn three times more UCount Rewards Points every time you swipe your Gold Card—boosting your points and unlocking more value faster. 
6. Lingokids & Fiit Offers: New to Lingokids? Enjoy two months free, then 30% off subscriptions! Plus, get 25% off your first Fiit fitness subscription when you pay with your card—mind, body, bank, all prioritized. 
7. UNICAF Scholarship Access: Pay your tuition with your Gold Card and receive a massive 75% scholarship on UNICAF programs—education meets empowerment with serious savings. 
8. Competitive Fees & Flexible Repayment: Keep life smooth with just R63/month in card fees, an initiation fee of R190, and the flexibility of up to 55 days interest-free plus a 3% minimum monthly repayment. 
9. Outstanding Digital Controls & Security: Manage spending with agility—switch your card on/off via app, create virtual cards, tap to pay, and enjoy advanced security whether you’re local or overseas. 
10. Lounging & Priority Access: Benefit from complimentary lounge time at Standard Bank Fluent Lounge (Lanseria) and Bidvest lounges (OR Tambo), perfect for relaxing before takeoff. 

Who Can Apply: Eligibility Criteria

• Minimum monthly income of R5 000 required. 
• Age 18 or older. 
• Documentation needed: South African ID (or passport if not a citizen), recent payslip, three months of bank statements, and proof of residence (not older than 3 months). 
• Approval is subject to credit checks and FICA requirements. 

How to Apply

1. If you’re already a Standard Bank customer, apply via Internet Banking under Borrow > Credit Cards—follow the prompts to submit your details. 
2. Or apply using the Standard Bank App: go to More > Open a new account > Personal Lending > Credit Card, then complete the application. 
3. Via Cellphone Banking: Dial *120*2345#, choose option 3, follow the steps, get SMS notification, and an agent will guide next steps. 
4. For non-customers, you can get an instant quote or begin via the same cellphone code and proceed with application. 

Four Frequently Asked Questions

• What are the fees for this card?

The Standard Bank Gold Credit Card carries a monthly fee of R63 and an initiation fee of R190. If bundled in another account, these fees may be waived. 

• How many interest‑free days am I entitled to?

You enjoy up to 55 interest-free days—as long as you clear your full statement balance on time each month. 

• What do I earn with UCount Rewards?

You earn up to three times more UCount Rewards Points on every purchase made with your Gold Credit Card—fueling faster point accumulation for travel, vouchers, or airtime. 

• What travel perks are included?

You receive automatic basic travel insurance on flight bookings, up to 20% off Emirates flights, cashback on Booking.com, discounts on car rentals, and lounge access at select airports—travel smarter, not harder.