The Standard Bank Gold Credit Card is targeted at South Africans seeking a cost-effective yet feature-rich credit card. With a monthly fee of R63 and initiation fee of R190, it’s an accessible choice. The credit limit can be up to R250,000 depending on your profile, with a minimum required income of R5,000. Interest rates are personalised so your individual profile determines your rate, but the cap is 22.5%.

How to Apply for the Standard Bank Gold Credit Card

Start by ensuring you meet the minimum monthly income requirement of R5,000. Prepare your South African ID and proof of address. Complete the simple online application on Standard Bank’s website or visit a local branch. Provide proof of income and wait for a credit check. If approved, set your initial limit and receive your card within days.

Top Advantages

The card offers up to 55 interest-free days if you pay your balance in full. Tap-to-pay and digital wallet compatibility for quick, contactless purchases. Earn UCount Rewards redeemable for travel, shopping and dining, plus savings on partners like Emirates flights and Wine-of-the-Month Club.

Potential Drawbacks

This card’s personalised interest rates may be higher for those with lower credit scores. The basic rewards rate is beaten by more premium cards, and travel insurance is not automatically included, requiring additional add-ons for frequent flyers.

Our Verdict

The Standard Bank Gold Credit Card is a strong, practical choice for people looking for good value and flexibility. It balances everyday usability, reasonable fees, and accessible rewards. If you pay attention to your spending and utilise the interest-free period, it provides all the essential features most South Africans need in a card—without excessive costs or complexity.