Standard Bank Platinum Credit Card South Africa, R250,000 Limit, Private Banker and Travel Perks

Premium credit card for affluent South Africans

The Standard Bank Platinum Credit Card is built for professionals and families who expect more from a credit card. It delivers a generous R250,000 limit, a dedicated private banker and tailored financial advice that match a higher-income lifestyle in South Africa.

Cardholders get practical benefits for everyday use and for premium travel: UCount Rewards on every spend, airport lounge access such as Café Blue at OR Tambo, and straightforward online tools to manage accounts via Standard Bank’s app.

Travel perks and lifestyle rewards that pay off

Use the Platinum Credit Card to book flights, hotels and car hire and unlock exclusive discounts, including up to 35% off on selected Emirates fares when booked through the Leisure Desk. Travel insurance up to R1,000,000 is included when tickets are bought with the card, a real advantage for regional and international travel.

UCount Rewards accelerates point earning on routine purchases and premium partners, so you can redeem points for flights, accommodation or gadgets. Local discounts at retailers like Hirsch’s and selected spas make everyday luxury more affordable for cardholders in South Africa.

Insurance, security and private banker access

Beyond rewards, the card offers comprehensive protections: automatic travel insurance for travellers up to 75 years old, lost card protection and optional credit card protection plans to cover unforeseen events. These safeguards help protect your balance and peace of mind when travelling or shopping online.

Access to a dedicated private banker and financial advisors is a key differentiator of the Standard Bank Platinum Credit Card. Personalised interest rates and professional guidance help you negotiate large purchases and plan taxes, investments and saving goals with local context and experience.

Fees, eligibility and straightforward application

Fees are transparent: a monthly service fee of R94, initiation fee of R180, and international transaction fee of 2.50%. Minimum monthly income for eligibility sits around R58,000 and the card requires standard documentation such as a recent payslip, three months’ bank statements and proof of residence.

Repayments start at 3% of the outstanding balance and interest is personalised, often tied to prime or the repo rate plus a margin. Applying is simple through Standard Bank branches or the online portal; the combination of a high R250,000 limit, travel perks and a private banker make this card a serious contender for high earners in South Africa.