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Standard Bank Gold Credit Card

Geovana Ramos
dezembro 11, 2023

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The Standard Bank Gold Credit Card offers numerous benefits, making it perfect for those seeking financial flexibility and exclusive perks. Enjoy discounts on purchases, saving on your favorite brands and retailers.

In addition to shopping discounts, this card grants access to exclusive offers and experiences worldwide, with perks in dining, entertainment, travel, and leisure.

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The card also provides discounts on airline tickets, making travel more affordable and enjoyable. Continue reading to discover how the Standard Bank Gold Credit Card can enhance your financial lifestyle.

About the Standard Bank:

Standard Bank, founded in 1862, is one of South Africa’s largest and most respected financial institutions. Headquartered in Johannesburg, the bank offers a comprehensive range of banking and financial services across the African continent. Known for its stability and extensive branch network, Standard Bank provides reliable and efficient banking solutions to millions of customers.

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The bank’s offerings include personal and business banking, wealth management, and insurance services. Standard Bank has embraced digital innovation, providing customers with advanced online and mobile banking platforms. These digital solutions ensure that customers can manage their finances conveniently and securely from anywhere.

Standard Bank is committed to customer service and financial inclusion, making it a leader in the African banking sector. With a strong focus on innovation and community development, Standard Bank continues to drive economic growth and financial stability in the regions it serves. Its extensive experience and robust infrastructure ensure that both individuals and businesses receive top-notch financial services.

Card Benefits

Travel Benefits: Get up to 20% off Emirates flights when booked through Leisure Desk, access exclusive experiences worldwide with Priceless Cities, receive up to 10% cash back on Booking.com bookings, and enjoy discounts on car rentals and luggage.

Shopping Discounts: Save 40% on SWEAT 1000 app subscriptions, get discounts on laser hair removal sessions, meal kits, and skincare products, and take advantage of exclusive offers from various online retailers.

Secure Transactions: Benefit from advanced fraud protection with chip and PIN technology, 3D Secure verification for safe online shopping, and real-time expense tracking via the Standard Bank app.

Insurance Benefits: Includes automatic basic travel insurance and an optional Credit Card Protection Plan covering death, disability, and serious illness.

Standard Bank Gold Fees and Commissions

The Standard Bank Gold Credit Card has several fees and charges associated with its use. The monthly fee is R63.00, and there is an initiation fee of R190.00. You can enjoy up to 55 days of interest-free credit if your account is paid in full each month. Cash withdrawals at Standard Bank ATMs cost R2.40 per R100, and international withdrawals are R3 per R100 (minimum R70).

Other fees include R1.40 per R100 for ATM cash deposits, R80 + R3 per R100 for branch deposits, and various payment fees such as R4 for inter-account transfers online and R9.50 for account payments online. Penalty fees include a late payment fee of R170 and a default administration fee of R65 after 60 days of delinquency.

It’s important to note that fees and charges are subject to change without prior notice. Always check with Standard Bank for the most current fee structure and any updates that may affect your account.

Positive points

High Credit Limit:
Offers up to $250,000, providing significant financial flexibility.
Exclusive Discounts:
Enjoy perks like up to 20% off on Emirates flights and various shopping discounts.
Secure Transactions:
Features advanced fraud protection, 3D Secure verification, and real-time expense monitoring.

Negative points

Fees and Charges:
Includes a monthly fee of R63.00 and other transaction fees.
High International Transaction Fee:
Charges 2.75% on international transactions.
Penalty Fees:
Includes late payment fees of R170 and default administration fees of R65.

Credit card limit

The Gold Credit Card offers you an impressive credit limit of up to $250,000, providing significant financial flexibility. With this broad limit, you can make important purchases, handle unexpected expenses, and plan for major investments with confidence. This high limit ensures that you have the financial freedom to meet various needs, whether it’s for home renovations, travel, or emergency situations.

Additionally, the card’s extensive limit supports your long-term financial goals, making it easier to manage substantial expenditures over time. Whether you’re looking to finance a business venture, pay for higher education, or simply have a safety net for unforeseen costs, the Gold Credit Card empowers you with the necessary resources. This financial flexibility is crucial for maintaining peace of mind and ensuring that you can handle any financial challenge that comes your way.

How to apply for Standard Bank Gold

Visit the Standard Bank website.
Sign into your Internet Banking profile.
Navigate to the “Borrow” section and complete your information.
Follow the on-screen steps to find out which credit card you qualify for and submit your application.