Want to enjoy amazing discounts on travel and entertainment as well as cashless shopping all over the world? With a Standard Bank Credit Card, you can take advantage of many perks and advantages. Read on to find out how you can apply for a Standard Bank Credit Card.
Powered by Mastercard (and Diners Club for the elite cards), a Standard Bank Credit Card lets you buy goods and services online and worldwide. As a cardholder, you can also make travel and hotel reservations to almost all global tourist destinations. Short of cash? Don't worry. You can use this card to make cash advances. What's more, you can get tons of other special privileges...
Standard Bank Credit Card Features
Standard Bank offers a wide selection of credit cards for different types of people. The bank makes sure that their cardholders get the maximum benefits from any card they choose. You can select from the entry-level Standard Bank Gold to the premium Standard Bank Diners Club Platinum. Each card has an exclusive set of features and perks suited to the lifestyle and financial capacity of the cardholder. To give you an idea of Standard Bank's credit card features, let's focus on the Standard Bank Gold card.
This credit card is designed for everyday use. It is also ideal for people with average income who love travel and entertainment. Continue reading to find out the benefits of owning this card...
Standard Bank Gold Benefits
Frequent travellers will enjoy up to 35% discount on Emirates Airlines tickets. What's more, with the I Go-China Mastercard promo, you can get exclusive privileges on your China trips.
Aside from this, you will also get automatic travel insurance from AIG. This means your medical and other related expenses will be covered in case of emergencies during your trip. Moreover, you will also get accidental death and disability coverage.
What's more, you are entitled to plenty of lifestyle benefits and promos, including access to dining and entertainment packages on the MasterCard Buy 1 Get 1 App. You can also convert your UCount Rewards points into freebies and discounts.
This card is also protected with advanced features like a microchip and PIN. Your online transactions also have 3D Secure verification to keep your personal information safe.
How to Apply
You can request a Standard Bank credit card online. Just go to the Standard Bank website and fill out the online application form.
To be eligible, you should be aged over 18 and must earn at least R5,000 a month. You should also be mindful of the bank requirements, which includes a copy of any valid South African ID, a copy of your recent payslip and a bank statement for 3 months. You will also need to show proof of residence (not older than 3 months).
Once approved, Standard Bank will give you a credit limit of up to R100,000, depending on your credit history and financial standing.
Fees and Interest Rates
Credit card fees depend on the type of card you choose. In the case of the Standard Bank Gold, there is a R50.44 monthly fee. You should also take note of the cash withdrawal fee of R2.02 per R100 or part thereof at ATMs and R8.07 plus R2.02 per R100 or part thereof if you withdraw at a branch. There is also a late payment fee of R146.27.
The average annual interest rate for this card is 20%. It can go lower or higher depending on your creditworthiness.
Overall, if you're looking for a credit card that comes with excellent travel privileges, discounts and security, a Standard Bank Card Credit Card, particularly the Standard Gold card, is a fantastic choice. Apply now to begin enjoying these features and benefits.