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Standard Bank Gold Credit Card review

Are you in the market for a top-rated gold credit card? Check out our in-depth review of the Standard Bank Gold Credit Card to see if this is the right choice for your needs!

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by Aline Barbosa

Published on 01/20/2023

Standard Bank Gold Credit Card: All the rewards you want at an affordable rate!

Standard Bank Gold Credit Card
A credit card with rewards is what you want? So read this review to learn about this one! Source: The News Stacker.

Are you looking for an excellent credit card option that gives you great rewards and extra perks? Then you might want to check out this Standard Bank Gold Credit Card review. This card offers convenience, cost-effectiveness and affordability all in one! 

Standard Bank Gold Credit Card

How to apply for a Standard Bank Gold Credit Card

Learn how to easily apply for the Standard Bank Gold Credit Card and enjoy its many benefits, such as rewards, insurance, and more.

  • Requirements: You need to be over the age of 18 with a South African ID (or passport), a recent payslip and a bank statement with the last 3 months, a recent proof or residence, and earn R5,000 or more monthly. 
  • Initiation Fee: R180.00.
  • Monthly Fee: R60.00.
  • Rates: Your interest rates are personalised based on your credit risk profile.
  • Rewards: Earn travel, lifestyle and insurance benefits such as discounts on flights, restaurants, bookings, and more. 

The card comes with an array of features like international travel insurance, zero liability on fraudulent transactions, and a selection of lifestyle benefits and discounts. You can get cash back on hotel bookings and 20% off on Emirates flights through Leisure Desk.

In this Standard Bank Gold Credit Card review, we’ll take a look at how the cards stack up to other cards in terms of features, fees, security and more. So read on to get all the details about one of today’s top cards!

Standard Bank Gold Credit Card: What can you expect?

The Standard Bank Gold Credit Card offers some amazing features that you won’t want to miss out on!

With an array of benefits and rewards, this card is the perfect choice for anyone looking to make their everyday purchases count.

With international Mastercard coverage, you can shop at million merchants worldwide with tap to pay, chip and PIN security features. You’ll pay an initiation fee of R180.00 and a monthly fee of R60.00, but get a world of perks in return.

The Standard Bank Gold offers up to 55 days free interest when you pay your account in full. You can also have access to a promotional 0% interest rate when you get the 6-month budget plan to pay for purchases online and in-store. 

With this card, you’ll have travel benefits such as attractive discounts on flights, car rentals, dining, and cash back on bookings.

You’ll have lifestyle perks with rewards points whenever you swipe your card, and discounts on foods, subscriptions, fitness programs and more. 

Do the pros outweigh the cons?

Standard Bank Gold Credit Card
Enjoy your travel with benefits! Source: Freepik.

Weighing up the pros and cons of Standard Bank Gold is a great way to determine whether this card is right for you. Compare them next in our Standard Bank Gold Credit Card review. 

Pros

  • Get access to great rewards and exclusive perks at an affordable fee;
  • Discounts on flights, dining, leisure, hotel bookings, and more.
  • UCount Rewards Points on every purchase you make;
  • Up to 55 days interest free when you pay your balance in full;
  • Mobile banking and security features for added peace of mind;
  • Credit limits up to R250,000.

Cons

  • You need a healthy credit report and a monthly salary of at least R5,000 to qualify.
  • Personalised interest rates reflect your credit score, which means there’s a potential for a high rate if your rating is less-than-perfect. 

What are the eligibility requirements?

To become eligible for this card, you need to create a Standard Bank account and be over the age of 18 with a South African ID (or passport for non-SA residents).

You also need a monthly income of R5,000 or higher and provide payslips along with bank statements. 

Learn how to request the Standard Bank Gold Credit Card

If you meet the bank’s qualifications, applying for this card is simple and you can do it from home.

Did this Standard Bank Gold Credit Card review get you interested in getting the card? Then follow the link below to learn everything about the application process.

Standard Bank Gold Credit Card

How to apply for a Standard Bank Gold Credit Card

Learn how to easily apply for the Standard Bank Gold Credit Card and enjoy its many benefits, such as rewards, insurance, and more.

About the author

Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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