There are a lot of banks that promise better financial management but there aren't a lot of banks that offer credit cards that will help you understand what it truly means to own one. Thankfully, the Standard Gold Credit Card is great for first time credit cardholders.
The credit card has all the features that you need while also letting you understand how everything works. It is easy on the pocket, especially for new clients who may struggle with their finances. The card offers very flexible interest rates, some of the best perks and benefits, and overall, a great choice for a lot of people.
Discover more about the Standard Bank Gold Credit Card and its features in this article.
- Discover the Best Credit Card South Africa Has to Offer
- Standard Bank Gold Credit Card Features
- Find More Lifestyle Benefits
- See If You're Qualified
Discover the Best Credit Card South Africa has to Offer
If you're living in South Africa and you're looking for a credit card that will help you manage your finances while also living the life that you want, the Standard Bank Gold Credit Card is the right choice for you.
It is a first-tier credit card that offers loads of benefits, perks, and competitive rates. The card offers a credit limit of up to R250,000.00 depending on your creditworthiness.
It is protected with 3D Secure verification so you're safe when shopping online. You also get the chance to earn UCount Reward points whenever you use the card for purchases you make at partner establishments.
These reward points can then be used to redeem different benefits and rewards that you can enjoy later on.
Learn More About the Flexible Interest Rates
When it comes to interest rates, the Standard Bank Gold Credit Card offers an interest rate depending on your creditworthiness.
The bank puts heavy emphasis on your credit score. This means that people with high credit scores will enjoy more perks and save more money than those whose credit scores are lower.
Cash withdrawals are free up to R3,000 and then costs R10 per R1,000. International cash withdrawals will be at R20 per R1,000 with an additional 2.75% international transaction fee.
Standard Bank Gold Credit Card Features
The Standard Bank Gold Credit Card offers some of the best features in the credit card market today. The bank lets you have a 55-day interest-free credit when you pay your outstanding balance in full each month.
The card also comes with a tap-to-pay function, and with the card you can shop at millions of establishments worldwide.
The best part about using the Standard Bank Gold Credit Card is that you can use it alongside the mobile banking app.
You can activate and disable the card and even send a request to change your credit limit through the app.
Travel Perks and Insurance
Use the Standard Bank Gold Credit Card whenever you're planning on traveling. Take advantage of their Leisure Desk perk when booking your next flight as you get 20% off or more on tickets for Emirates flights.
Not only that, but you'll also gain basic travel insurance whenever you use the card to purchase your next flight. This is highly recommended for those who travel often as you also earn reward points when you use the card to book your ticket.
You also get 5% cash back when you book any local or international hotels, apartments, and more on Bookings.com.
Find More Lifestyle Benefits
South Africans can take advantage of the Standard Bank Gold Credit Card to go shopping or make purchases. The credit card offers discounts at hundreds of different stores all over the country.
Get priceless offers on dining, leisure, and more, especially when you shop online. You can even enjoy a buy-1-get-1 promo when you use the card at special events.
Cardholders can also get 10% off when they use the card at Hirsch's stores nationwide alongside 15% off at AA when they subscribe to their service. For those looking to relax, you can get 10% off on your next spa treatment using your credit card.
Download the mobile banking app to see what events are running so you can participate in them and optimize these lifestyle benefits.
How to Contact Them
With all these benefits right in front of you, all you need to do now is to apply for the Standard Bank Gold Credit Card.
If you have any other inquiries and you want to know more about the details of the card, you can always contact them through their customer service number at 0860 123 000.
You can also find a branch near you through their Find A Branch feature on their official website or through the app. You can also visit their main office at 5 Simmonds Street, Selby, Johannesburg, 2001.
See If You're Qualified
You must find out if you're qualified before you can apply for the Standard Bank Gold Credit Card.
To do this, you must be a citizen of South Africa and must be over the age of 18 years old. You must also earn at least R7,500 with recent payslips to prove your current income.
You will need to have a South African ID book or a passport if you are not a citizen of South Africa. You are required to produce documents that will prove your residence in the country for more than three months.
How to Apply for the Card
Once you have all the documents, you can then head over to the nearest Standard Bank and apply for the credit card. You can also apply online through the official website by signing in to your account and proceeding with the application.
Enter the information requested on the form and read through the bank's terms and conditions before you submit your application. All applications are subjected to a credit check to ensure that you are financially capable of paying your bills.
Once approved, you will receive a notification from the bank and the card will be sent to you via mail.
Conclusion
The Standard Bank Gold Credit Card is the ultimate credit card for first-time cardholders who want to enjoy a lot of travel and lifestyle benefits. This credit card will give you the basics of understanding how credit cards work by exposing you to all of its features.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
