Standard Bank Credit Card Review

Overall, Standard Bank is a major South African bank and financial services group that offers access to Credit Cards, Travel Insurance, and Investment Opportunities plus Multiple Account Types and services for Personal, Business, and Corporate Banking. Standard Bank stands out with its diverse range of credit cards and trusted customer support.

🔎 Provider	📌 Standard Bank
💳 Credit Cards	✅ Yes
🎁 Rewards Program	UCount Rewards Program
✈️ Travel Benefits	✅ Yes

Standard Bank Credit Cards

Standard Bank Credit Cards – Analysis of Providers’ Main Features

☑️ Standard Bank Credit Cards Overview
☑️ Applying for a Standard Bank Credit Card
☑️ Managing and Using Standard Bank Credit Cards
☑️ Benefits of Standard Bank Credit Cards
☑️ Standard Bank Cashback Rewards Program
☑️ Standard Bank Travel Benefits
☑️ Access to Exclusive Offers and Discounts
☑️ Tips on Maintaining and Improving Your Credit Score
☑️ How Standard Bank is Disrupting Traditional Banking Models
☑️ Standard Bank Mobile App Overview and Features
☑️ Importance of Choosing the Right Credit Card
☑️ In Conclusion
☑️ Frequently Asked Questions

Get a credit card with personalised interest rates and much, much more.

Fill in some quick details and we'll call you.

Get the credit card that gives you:

10% to 75% off flights. Plus, Priority Fast Track so you can skip airport queues. 10% to 25% off accommodation and car hire Access to The Lounge, our exclusive pre-flight experience with SAA's airport lounges

Up to 75% back on healthy groceries at Pick n Pay or Woolworths
Up to 50% back on HealthyCare items from Clicks or Dis-Chem
Up to 20% back in Ðiscovery Miles on qualifying fuel spend and Uber rides
Up to 30% off when you shop with Ðiscovery Miles on Miles D-Day
Dynamic Interest Rates - where you pay less on your credit

Standard Bank Credit Cards - Analysis of Providers

Standard Bank Credit Cards Overview

Standard Bank offers access to multiple credit card options, including Gold, Titanium, and Platinum.

Standard Bank Gold Credit Card

The Standard Bank Gold Credit Card has various enticing perks, like free automatic travel insurance and 12 GB of AlwaysOn Wi-Fi data. People who are looking for a credit card that comes with additional bonuses will find it to be an excellent option.

Standard Bank Gold Credit Card Features and Benefits

The Standard Bank Gold Credit Card comes packed with the following features and benefits:

✅ Up to 20% off Emirates flights when you book via Leisure Desk.
✅ Priceless Cities provides access to hand-selected experiences and incentives in cities worldwide.
✅ Up to 5% cash back when booking with a credit card on Booking.com.
✅ 10% off all Gopals rigid and softshell luggage.
✅ Up to 10% off through Rentalcars.com and 20% off through Avis and Budget car rental.
✅ Up to 20% off flight bookings made through Travelstart when using the card.
✅ 15% off online purchases of wine, coffee, olive oils, and more at Wine-of-the-Month Club

and much, MUCH more!

Standard Bank Gold Credit Card

Standard Bank Gold Credit Card Eligibility Criteria

To be eligible for this card, you must be 18 or older and earn a minimum monthly income of R5,000. To apply for this credit card, you require the following:

✅ Certified South African ID copy or valid passport (for non-South African citizens)
✅ Verification of residential address (utility bill not older than 3 months)
✅ The latest copy of income tax return (IRP5) or 3 months’ original bank statements (with bank stamp, not internet printouts) if no salary advice is available
✅ Tax number / SARS Payslip/salary advice

If living with another person and no proof of residential address, an Affidavit from the other person confirming the applicant’s residence and the nature of the relationship

Standard Bank Gold Credit Card Eligibility Criteria

Standard Bank Gold Credit Card Fees and Interest Rates

✅ A minimum monthly repayment of 3% of the outstanding balance is required.
✅ A monthly fee of R63 is applicable for maintaining the Standard Bank Gold Credit Card.
✅ There is an R180 initiation fee.

Standard Bank is committed to providing personalized credit card interest rates tailored to individual customers. The specific interest rates offered are determined based on several factors, including the customer’s creditworthiness, financial history, income, and overall risk profile. Overall, the interest rates can range from 7% to 18%.

Standard Bank Gold Credit Card Fees and Interest Rates

Standard Bank Titanium Credit Card

With the Standard Bank Titanium Credit Card, you will have access to a Prestige Banking team around the clock, discounts on flights, and access to CaféBlue at OR Tambo International. Those who place a high value on premium services and travel perks are the target audience for this product.

Standard Bank Titanium Credit Card Features and Benefits

The Standard Bank Titanium Credit Card comes packed with the following features and benefits:

✅ New users receive 2 free months of Lingokids, followed by 30% off monthly subscriptions.
✅ Benefit from a 75% scholarship from UNICEF to maximize your potential.
✅ Up to 20% off Emirates flight bookings made through Leisure Desk.
✅ Avis offers up to 20%* off international car rentals.
✅ Priceless Cities provides access to exclusive experiences and incentives in cities worldwide.
✅ Up to 5% cash back on Booking.com hotel reservations.
✅ 15% off IHG Hotels & Resorts in Europe, the Maldives, India, the Middle East, and Africa.
✅ Up to 20% off airfares worldwide when purchasing through Travelstart.
✅ 10% off all Gopals rigid and softshell luggage.
✅ Get 15% off online purchases at Wine-of-the-Month Club.
✅ Receive UCount Rewards Points on all credit card purchases, regardless of the store.
✅ 25% off the initial Fiit subscription payment.

and much, MUCH more!

Standard Bank Titanium Credit Card Features and Benefits

Standard Bank Titanium Credit Card Eligibility Criteria

To be eligible for this card, you must be 18 or older and earn a minimum monthly income of R25,000. To apply for this credit card, you require the following:

✅ Certified South African ID copy or valid passport (for non-South African citizens)
✅ Verification of residential address (utility bill not older than 3 months)
✅ The latest copy of income tax return (IRP5) or 3 months’ original bank statements (with bank stamp, not internet printouts) if no salary advice is available
✅ Tax number / SARS Payslip/salary advice

If living with another person and no proof of residential address, an Affidavit from the other person confirming the applicant’s residence and the nature of the relationship

Standard Bank Titanium Credit Card Eligibility Criteria

Standard Bank Titanium Credit Card Fees and Interest Rates

✅ A minimum monthly repayment of 3% is required.
✅ There is a monthly fee of R86.
✅ There is an R180 initiation fee.
✅ Customers can waive the monthly fee by bundling the credit card with a Prestige Banking account.

Standard Bank is committed to providing personalized credit card interest rates tailored to individual customers. The specific interest rates offered are determined based on several factors, including the customer’s creditworthiness, financial history, income, and overall risk profile. Overall, the interest rates can range from 7% to 18%.

Standard Bank Titanium Credit Card Fees and Interest Rates

Standard Bank Platinum Credit Card

The Standard Bank Platinum Credit Card is a premium credit card with various benefits and perks, including discounted airfare, rental cars, spa services, and more. Those who want to experience private banking and enjoy luxury travel and lifestyle amenities will find this is the ideal option.

Standard Bank Platinum Credit Card Features and Benefits

The Standard Bank Platinum Credit Card comes packed with the following features and benefits:

✅ Automatic basic travel insurance coverage.
✅ ATM Robbery Insurance for cash withdrawal threats.
✅ Two months free trial and 30% off Lingokids subscriptions.
✅ 25% discount on the first Fiit subscription payment.
✅ 15% off Wine-of-the-Month Club online purchases.
✅ Up to 20% off international car rentals with Avis.
✅ 15% discount on IHG Hotels & Resorts across Europe, Maldives, India, Middle East & Africa.
✅ Reduced shipment costs from US online stores through MyUS.
✅ Purchase Protection for confident credit card swiping.
✅ Complimentary Silver status membership and benefits with Legacy Lifestyle Rewards.
✅ Exclusive offers at 9 shopping villages in Europe and more.

and much, MUCH more!

Standard Bank Platinum Credit Card Features and Benefits

Standard Bank Platinum Credit Card Eligibility Criteria

To be eligible for this card, you must be 18 or older and earn a minimum monthly income of R58,000. To apply for this credit card, you require the following:

✅ Certified South African ID copy or valid passport (for non-South African citizens)
✅ Verification of residential address (utility bill not older than 3 months)
✅ The latest copy of income tax return (IRP5) or 3 months’ original bank statements (with bank stamp, not internet printouts) if no salary advice is available
✅ Tax number / SARS Payslip/salary advice

If living with another person and no proof of residential address, an Affidavit from the other person confirming the applicant’s residence and the nature of the relationship

Standard Bank Platinum Credit Card Eligibility Criteria

Standard Bank Platinum Credit Card Fees and Interest Rates

✅ A minimum monthly repayment of 3% is required.
✅ There is a monthly fee of R108.
✅ There is an R180 initiation fee.
✅ Customers can waive the monthly fee by bundling the credit card with a Prestige Banking account.

Standard Bank Platinum Credit Card Fees and Interest Rates

Standard Bank Diners Club Platinum Credit Card

With the Standard Bank Diners Club Platinum Credit Card, you can become an immediate VIP Platinum member of the frequent guest rewards program at Southern Sun Hotels. Those who travel frequently and appreciate staying in opulent rooms will find it an excellent choice.

Standard Bank Diners Club Platinum Credit Card Features and Benefits

The Standard Bank Diners Club Platinum Credit Card comes packed with the following features and benefits:

✅ Over 30 travel, lifestyle, entertainment, and retail partners are available.
✅ Diners Club Travel Tools is a mobile app that provides information on airport lounge locations and Privileges incentives.
✅ ClubMiles is a rewards program that allows you to earn and redeem miles for flights and accommodations.
✅ Diners Club Wine Club members receive preferential rates at Wine-of-the-Month Club.
✅ Lifestyle and entertainment are provided at no cost. Service of Concierge.
✅ Golf club perks include discounts at golf retailers.
✅ Invitations to lifestyle and connoisseur events.
✅ Diners Club International’s network of privileges provides special deals and more.

and much, MUCH more!

Standard Bank Diners Club Platinum Credit Card Features and Benefits

Standard Bank Diners Club Platinum Credit Card Eligibility Criteria

To be eligible for this card, you must be 18 or older and earn a minimum monthly income of R500,000. To apply for this credit card, you require the following:

✅ Certified South African ID copy or valid passport (for non-South African citizens)
✅ Verification of residential address (utility bill not older than 3 months)
✅ The latest copy of income tax return (IRP5) or 3 months’ original bank statements (with bank stamp, not internet printouts) if no salary advice is available
✅ Tax number / SARS Payslip/salary advice

If living with another person and no proof of residential address, an Affidavit from the other person confirming the applicant’s residence and the nature of the relationship

Standard Bank Diners Club Platinum Credit Card Eligibility Criteria

Standard Bank Diners Club Platinum Credit Card Fees and Interest Rates

✅ Monthly Fee: R98.00 per month
✅ Minimum Monthly Repayment: 3%
✅ Primary Card: R840 (Free secondary cards)

The interest rates are personalized and fixed.

Standard Bank Diners Club Platinum Credit Card Fees and Interest Rates

Standard Bank Diners Club Shari’ah Charge Card

This is South Africa’s first Shariah-compliant Charge Card, and it offers various benefits related to travel and lifestyle choices. It is the ideal solution for individuals looking for a credit card that adheres to the principles of Islamic banking.

Standard Bank Diners Club Shari’ah Charge Card Features and Benefits

The Standard Bank Diners Club Shari’ah Charge Card comes packed with the following features and benefits:

✅ Tailored offerings based on personal preferences
✅ ClubMiles rewards program for earning miles on card usage
✅ ClubMiles can be used to purchase laptops, GPS devices, phones, cameras, and more from the Club Store
✅ Wide range of lifestyle benefits catering to personal and family needs
✅ International privileges through the Diners Club International network
✅ Access to the Diners Club International network with over 70 million club members
✅ Accepted by over 45 million merchants in over 200 countries and territories
✅ Dedicated travel partner with end-to-end travel services and bespoke Umrah packages
✅ Access to invitation-only high-profile events and more.

and much, MUCH more!

Standard Bank Diners Club Shari’ah Charge Card

Standard Bank Diners Club Shari’ah Charge Card Eligibility Criteria

To be eligible for this card, you must be 18 or older and earn a minimum monthly income of R58,000. To apply for this credit card, you require the following:

✅ Certified South African ID copy or valid passport (for non-South African citizens)
✅ Verification of residential address (utility bill not older than 3 months)
✅ The latest copy of income tax return (IRP5) or 3 months’ original bank statements (with bank stamp, not internet printouts) if no salary advice is available
✅ Tax number / SARS Payslip/salary advice

If living with another person and no proof of residential address, an Affidavit from the other person confirming the applicant’s residence and the nature of the relationship

Standard Bank Diners Club Shari’ah Charge Card Eligibility Criteria

Standard Bank Diners Club Shari’ah Charge Card Fees and Interest Rates

The Diners Club Shari’ah Charge Card has a monthly service fee of R98. The interest rates are personalized and can range from a minimum of 11.75% (prime – 0.25%) to a maximum of 22.25% (Repo rate + 14%) as per the NCA regulation.

Standard Bank Diners Club Shari’ah Charge Card Fees and Interest Rates

Standard Bank Diners Club Beyond Credit Card

The Standard Bank Diners Club Beyond Card allows individuals to live beyond the ordinary. With a focus on providing exceptional lifestyle, travel, and entertainment benefits, this exclusive card opens doors to a world of personalized experiences.

Standard Bank Diners Club Beyond Card Features and Benefits

The Standard Bank Diners Club Beyond Card comes packed with the following features and benefits:

✅ Access to approximately 1,300 airport lounges in 600+ cities across 140 countries.
✅ Diners Club Digital Assistant is a personalized digital platform with personalized offerings.
✅ Phase 1 Basic Travel Insurance is provided at no cost.
✅ Cash withdrawal service is available at over 1.2 million ATMs worldwide.
✅ ClubMiles is a rewards program allowing you to earn miles using your credit card.
✅ Diners Club SA Mobile App for checking balances and spending on the go.
✅ Over 45 million Wi-Fi hotspots in over 200 countries and territories are available.
✅ Southern Sun Hotels provides instant VIP Platinum membership. frequentGuest loyalty program.
✅ Limit Contact the Member Service Centre for further information.
✅ SnapScan integration allows you to use your Diners Club Card at over 50,000 businesses.
✅ Diners Club Travel Tools is a mobile app that provides travel information and tools.

and much, MUCH more!

Standard Bank Diners Club Beyond Credit Card

Standard Bank Diners Club Beyond Card Eligibility Criteria

To be eligible for this card, you must be 18 years or older and earn a minimum monthly income of R250,000. To apply for this credit card, you require the following:

✅ Certified South African ID copy or valid passport (for non-South African citizens)
✅ Verification of residential address (utility bill not older than 3 months)
✅ The latest copy of income tax return (IRP5) or 3 months’ original bank statements (with bank stamp, not internet printouts) if no salary advice is available
✅ Tax number / SARS Payslip/salary advice

If living with another person and no proof of residential address, an Affidavit from the other person confirming the applicant’s residence and the nature of the relationship

Standard Bank Diners Club Beyond Card Eligibility Criteria

Standard Bank Diners Club Beyond Card Fees and Interest Rates

✅ 3% monthly payback with an automatic payment option
✅ R85 monthly Card charge
✅ R30 monthly service charge
✅ No initiation fees
✅ No monthly cost if combined with a Standard Bank Private Banking Signature account

The interest rates are personalized and can range from a minimum of 11.75% (prime – 0.25%) to a maximum of 22.25% (Repo rate + 14%) as per the NCA regulation.

Standard Bank Diners Club Beyond Card Fees and Interest Rates

Standard Bank World Citizen Credit Card

The Standard Bank World Citizen Credit Card is a card that provides its holders with travel privileges, such as lounge access, concierge service, and complimentary hotel amenities. It is tailor-made for people who travel the world frequently and highly emphasizes comfort and convenience.

Standard Bank World Citizen Credit Card Features and Benefits

The Standard Bank World Citizen Credit Card comes packed with the following features and benefits:

✅ Access to handpicked experiences and offers in cities worldwide with Mastercard Priceless Cities.
✅ 15% discount on online purchases at Wine-of-the-Month Club.
✅ Up to 15% off car rentals with Hertz.
✅ Unlimited access to Standard Bank, Bidvest, and international lounges.
✅ 10% off selected items on Farfetch.com.
✅ Up to 70% less on designer fashion at McArthurGlen’s 26 centers.
✅ 10% discount on car rental when booking through Rentalcars.com and Budget International.
✅ Earn UCount Rewards Points on credit card usage.
✅ 10% off at OneFineStay apartments.
✅ Eighteen visits a year to SB library and Fluent lounges.
✅ Up to 35% off international car rentals and chauffeur service when booking with Avis.
✅ 10% Travelstart discount on any international roundtrip fare.
✅ Coverage for luggage and flight delays.
✅ Up to 20% off Emirates flights when booking through Leisure Desk.
✅ Access to Global Blue VIP Services for tax-free shopping with Mastercard.
✅ Eleven months of free internet access from AlwaysOn Wi-Fi when purchasing one month with your World Citizen Credit Card, and more.

and much, MUCH more!

Standard Bank World Citizen Credit Card Features and Benefits

Standard Bank World Citizen Credit Card Eligibility Criteria

To be eligible for this credit card, you must have a monthly income of at least R25,000. To apply for this credit card, you require the following:

✅ Certified South African ID copy or valid passport (for non-South African citizens)
✅ Verification of residential address (utility bill not older than 3 months)
✅ The latest copy of income tax return (IRP5) or 3 months’ original bank statements (with bank stamp, not internet printouts) if no salary advice is available
✅ Tax number / SARS Payslip/salary advice

If living with another person and no proof of residential address, an Affidavit from the other person confirming the applicant’s residence and the nature of the relationship

Standard Bank World Citizen Credit Card Eligibility Criteria

Standard Bank World Citizen Credit Card Fees and Interest Rates

✅ Up to 55 days of free interest on the account if paid in full
✅ 3% minimum monthly repayment with an automatic payment option
✅ R199 monthly fee
✅ R180 initiation fee
✅ No monthly fee if bundled with a Private Banking Signature account

The interest rates are personalized and can range from a minimum of 11.75% (prime – 0.25%) to a maximum of 22.25% (Repo rate + 14%) as per the NCA regulation.

Standard Bank World Citizen Credit Card Fees and Interest Rates

Standard Bank Blue Credit Card

The Standard Bank Blue Credit Card is an excellent choice for individuals interested in a straightforward credit facility. In addition to that, it provides the opportunity to select a Credit Card Protection plan for additional peace of mind.

Standard Bank Blue Credit Card Features and Benefits

The Standard Bank Blue Credit Card comes packed with the following features and Benefits:

✅ The credit card offers 3D Secure verification for safe online shopping.
✅ It allows users to tap to pay in-store for R500 or less.
✅ Users can link their cards to the SnapScan or Masterpass apps to make payments using their phones.
✅ Users can activate or disable till-point, ATM, and online card functionality through the app.
✅ The credit card has a single limit for both straight and budget facilities.
✅ Users can opt for a Credit Card Protection Plan for added peace of mind.
✅ The credit limit can be changed upon request.
✅ The UCount Rewards program allows users to earn rewards points for their credit card spending.
✅ The digital platforms provided by the bank help users stay in control of their credit cards.
✅ The credit card is equipped with Chip-and-PIN technology for added security.

and much, MUCH more!

Standard Bank Blue Credit Card

Standard Bank Blue Credit Card Eligibility Criteria

You require a monthly income of R5,000 to qualify for this credit card. To apply for this credit card, you require the following:

✅ Certified South African ID copy or valid passport (for non-South African citizens)
✅ Verification of residential address (utility bill not older than 3 months)
✅ The latest copy of the income tax return (IRP5) or 3 months’ original bank statements (with bank stamp, not internet printouts) if no salary advice is available
✅ Tax number / SARS Payslip/salary advice

If living with another person and no proof of residential address, an Affidavit from the other person confirming the applicant’s residence and the nature of the relationship

Standard Bank Blue Credit Card Eligibility Criteria

Standard Bank Blue Credit Card Fees and Interest Rates

✅ Automatic payment option with a minimum monthly repayment of 3%
✅ A monthly fee of R40
✅ Initiation fee of R180

The interest rates are personalized and can range from a minimum of 11.75% (prime – 0.25%) to a maximum of 22.25% (Repo rate + 14%) as per the NCA regulation.

Standard Bank Blue Credit Card Fees and Interest Rates

Get a credit card with personalised interest rates and much, much more.

Fill in some quick details and we'll call you.

Get the credit card that gives you:

Up to 75% back on healthy groceries at Pick n Pay or Woolworths
Up to 50% back on HealthyCare items from Clicks or Dis-Chem
Up to 20% back in Ðiscovery Miles on qualifying fuel spend and Uber rides
Up to 30% off when you shop with Ðiscovery Miles on Miles D-Day
Dynamic Interest Rates - where you pay less on your credit

Applying for a Standard Bank Credit Card

The Standard Bank Credit Card application process is straightforward and can be completed online, granting immediate access to funds upon approval. You do not need to wait for your physical card; you can promptly begin shopping online with your credit card information.

Eligibility requirements

To qualify for a Standard Bank Credit Card, certain income requirements must be met as follows:

✅ Gold Credit Card: R5,000
✅ Titanium Credit Card: R25,000 or advanced degree
✅ Diners Club Platinum Credit Card: R500,000
✅ Diners Club Shari’ah Charge Credit Card: R500,000
✅ Diners Club Beyond Credit Card: R250,000
✅ Platinum Credit Card: R58,000
✅ World Citizen Credit Card: R25,000
✅ Blue Credit Card: R5,000

Other eligibility requirements could include the following:

✅ You must be a South African citizen or permanent resident
✅ You must meet the age requirements (usually 18 years or older)
✅ You must have a valid South African ID or passport
✅ You must provide proof of residence, such as a utility bill or bank statement
✅ You must meet the credit assessment criteria set by Standard Bank
✅ You must have a good credit history and credit score
✅ You must meet any additional requirements or documentation requested by Standard Bank during the application process

Application Process and Required Documents

The Standard Bank Credit Card application process can be completed online. You can determine your eligibility within minutes and gain immediate access to funds.

The process entails authenticating your mobile number, customizing your offer, supplying personal information, and uploading any required documentation. The Standard Bank website does not specify the specific documents required for the application procedure.

When applying for a credit card, banks typically require evidence of income, proof of residence, and identification documents. Having these documents on hand is recommended before beginning the application process.

Approval and Credit Limit Considerations

Standard Bank has ultimate discretion over the approval of your credit card application and the assignment of your credit limit. Standard Bank offers credit cards with a maximum credit limit of R250,000. As per NCA regulation, the interest rates range from a minimum of 11.75% (prime minus 0.25%) to a maximum of 22.2% (Repo rate plus 14%).

Your monthly Credit Card payment must be at least 3% of your outstanding balance. A one-time, prepaid fee of R180 (inclusive of VAT) will be required.

Applying for a Standard Bank Credit Card

Managing and Using Standard Bank Credit Cards

✅ Card activation and PIN setup:

Activating your Standard Bank credit card is the initial step after receiving it. This is possible via the mobile app or online banking platform of Standard Bank.

You will be prompted to create a Personal Identification Number (PIN) for your card during activation. This PIN is essential for conducting transactions and should be kept secret.

✅ Understanding the credit limit and available credit:

The credit limit on your Standard Bank credit card is the utmost amount you can borrow. This limit is based on your creditworthiness and is subject to periodic review. It is essential to monitor your expenditures to avoid exceeding your credit limit.

The difference between your credit limit and your current balance is your available credit. You can verify your credit limit and available credit via the mobile app or online banking platform of Standard Bank.

✅ Making payments and due dates:

Standard Bank provides numerous convenient options for credit card payments. You can set up automatic payments, make manual payments online, or pay at a branch of Standard Bank.

To avoid late fees and maintain a decent credit history, making at least the minimum payment by the due date each month is crucial.

✅ Managing card transactions and statements:

You can view your card transactions and statements via the mobile app or online banking platform of Standard Bank. This enables you to monitor your expenditure, identify fraudulent activity, and comprehend your payment due dates and minimum payment amounts.

✅ Reward redemption options:

UCount Rewards is a rewarding program offered by Standard Bank. You earn Rewards Points whenever you activate your Standard Bank credit or debit card. These points are redeemable in a variety of ways:

✅ To pay your bill in full or in part in-store, swipe your Rewards Card at any Rewards Retailer, Bidvest Premier Lounge, or Caltex Service Station and input your PIN.
✅ You can redeem your Rewards Points through your UCount Rewards profile on the Standard Bank mobile app. You can transfer them to your loan or investment or exchange them for online vouchers.
✅ Online shopping: To redeem your Rewards Points at the stores of Rewards Retailers, you will need a 3D SecureCode to authenticate your UCount Rewards Card, ensuring the safety and security of your online transactions.

Finally, Sign in to the UCount Rewards Redemption Portal and use your Rewards Points to purchase data, airtime, and gift cards. You can also donate reward points to charity, redeem them for a personal loan or savings and investment accounts, or redeem them for a smartphone through UCount Mobile.

Managing and Using Standard Bank Credit Cards

Benefits of Standard Bank Credit Cards

Below are some of the benefits offered by Standard Bank’s Credit Cards:

✅ Enjoy the opportunity to earn up to 1% back in Rewards Points every time you purchase using your eligible Standard Bank personal Credit, Cheque, or Debit card.
✅ Select from a wide range of Rewards Retailers, providing ample choices to earn and redeem your Rewards Points.
✅ Tailor your rewards to suit your preferences by deciding whether you want to earn up to 20% back in Rewards Points on categories like Groceries, Fashion, or Lifestyle Rewards.
✅ Benefit from earning Rewards Points no matter where you shop, whether online or at any store nationwide, using your qualifying Credit, Cheque, or Debit card.
✅ When you refuel at Caltex, you can earn up to R10 back in Rewards Points per liter of fuel and oil purchased, based on your Tier Level.
✅ The UCount Rewards program is accessible to all Standard Bank customers who maintain an up-to-date transactional Credit, Cheque, or Debit card account.
✅ Increase your rewards by achieving your goals with Goals and Gains on the UCount Rewards in-app platform available through the Standard Bank Banking App and receive Rewards Points and vouchers as incentives.
✅ Connect your Twitter account to earn 690 reward points on social media and be recognized for positive interactions using #UCount.
✅ Receive up to 2 GB in Data Rewards on your Standard Bank Mobile SIM.
✅ Maximize your benefits by earning up to 30% back in Rewards Points on your Standard Bank Mobile SIM expenditures with UCount Mobile.

Enjoy the flexibility of redeeming your accumulated Rewards Points at a variety of locations, including Rewards Retailers, Caltex for fuel and oil, the UCount Rewards in-app platform on the Standard Bank Banking App, the UCount Rewards Online Redemption Portal, the UCount Rewards Travel Mall, and more.

Benefits of Standard Bank Credit Cards

Standard Bank Cashback Rewards Program

The UCount Rewards program offers a cashback rewards system where cardholders can earn up to 1% back in Rewards Points when they shop using their qualifying Standard Bank personal Credit, Cheque, or Debit card. These points can be redeemed at various Rewards Retailers, Caltex for fuel, Travel Mall, or Bank products on the UCount Rewards Online Redemption Portal. Benefits of the UCount Rewards Program:

✅ Rewards Retailers: Cardholders can choose to earn and redeem Rewards Points from various Rewards Retailers.
✅ Choose Your Rewards: Cardholders can choose if they want to earn up to 20% back in Rewards Points on Groceries, Fashion, or Lifestyle Rewards.
✅ Earn as You Shop: Cardholders can shop online or at any store nationwide and earn Rewards Points using their qualifying Credit, Cheque, or Debit card.
✅ Fuel Rewards: Cardholders can earn up to R10 back in Rewards Points per liter of fuel and oil purchased, based on their Tier Level, when they fill up at Caltex.

The UCount Rewards program is available to all Standard Bank customers with a transactional Credit, Cheque, or Debit card account that is paid up to date.

Cashback Rewards Program

Standard Bank Travel Benefits

Standard Bank Credit Cards offer many travel benefits that make your journeys more enjoyable and cost-effective. With your Standard Bank Credit Card, you can enjoy up to 20% off the base fare when booking Emirates flights through Leisure Desk.

Moreover, you can avail of discounted rates on car rentals with Avis, including up to 35% off international car rentals and complimentary upgrades on every rental worldwide.

✅ Accommodation Benefits:

Accommodation benefits include up to 5% cash back when booking through Booking.com and a 10% discount at OneFineStay luxury serviced apartments across selected cities.

✅ Travel Insurance and Enhanced Features:

Standard Bank also provides basic travel insurance when you use your Standard Bank Mastercard, Visa, or Cheque card to purchase your conveyance ticket. This is applicable if you are under the age of 76.

✅ Enhanced Security Features and ATM Robbery Insurance:

Standard Bank Credit Cards come with enhanced security features to ensure the safety of your transactions. In the unfortunate event of being robbed or forced to withdraw cash at an ATM, Standard Bank provides coverage to its Platinum, Professional, and World Citizen Credit Card holders.

✅ Purchase Protection:

Standard Bank also offers purchase protection, covering damage or theft of your purchases for Platinum, Professional, and World Citizen Credit Card holders.

Standard Bank Travel Benefits

Access to Exclusive Offers and Discounts

Standard Bank Credit Cards provide access to various exclusive offers and discounts, enhancing your lifestyle and shopping experiences.

✅ You can enjoy 10% off all hard and soft luggage at Gopals, 15% off wine, coffee, olive oils, and more at the Wine-of-the-Month Club, and 10% off on all Showmax subscription plans.
✅ Shopping benefits include 10% off site-wide at Farfetch and access to a world of luxury shopping and exclusive offers at 9 shopping villages in Europe with The Bicester Village Shopping Collection.
✅ Educational benefits include a 75% scholarship towards your program tuition fees at UNICAF + 2 months free for new users, and 30% off monthly subscriptions at Lingokids.

and much, MUCH more!

Access to Exclusive Offers and Discounts

Get a credit card with personalised interest rates and much, much more.