Standard Bank Gold Credit Card Benefits South Africans Can Count On, with Travel Cover, UCount Rewards and Low Fees

Everyday value and practical perks

The Standard Bank Gold Credit Card delivers solid value for South Africans who want sensible fees and meaningful rewards. With a low monthly service fee and an affordable income requirement, this credit card suits everyday shoppers, commuters and those who travel locally or regionally.

Use it for groceries, petrol and bills and you’ll still earn UCount Rewards points on every rand spent. The card’s tap-to-pay under R500 and lost card protection make routine spending straightforward and safe for busy lives in Johannesburg, Cape Town or Durban.

Travel cover, partner offers and rewards

Cardholders benefit from basic travel insurance covering medical costs up to R1 000 000 for the first 90 days, which is handy for regional trips and short international breaks. You can also get discounts on selected flights, and access to MasterCard promos like Buy 1 Get 1 and Priceless Cities deals.

UCount Rewards and partner entertainment offers — think Ster-Kinekor and dining discounts — stretch the value of every swipe. Link the card to SnapScan, MasterPass, Apple Pay or Samsung Pay to make payments even smoother when you’re on the go.

Fees, interest and how to apply

The fee structure is transparent: there’s an initiation fee plus a modest monthly service charge and standard transaction fees for cash withdrawals. International ATM withdrawals carry a currency conversion fee, so use the card for purchases rather than frequent cash-outs abroad.

To apply you must meet FICA requirements, show payslips or bank statements and be over 18 with the minimum income required. Approval includes a credit assessment and you can request a limit up to around R100 000 depending on your credit profile.

Tips for smart use and managing credit

Keep interest costs low by settling your statement in full within the interest-free period — often up to 55 days — and set up the automatic debit to cover at least the minimum repayment. The mobile app lets you track transactions, block misplaced cards and convert purchases to convenient repayment plans.

Make the most of the Standard Bank Gold Credit Card by collecting UCount points on routine spend, using travel cover when you need it and avoiding unnecessary cash withdrawals. For many South Africans this card offers a reliable mix of low fees, travel protections and everyday rewards that help stretch the rand.