Standard Bank Gold Credit Card: Benefits, Fees, Eligibility and Rewards in South Africa

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The Standard Bank Gold Credit Card is one of South Africa’s most widely used mid-tier credit cards. It strikes the perfect balance between affordability, rewards, and lifestyle benefits, making it ideal for professionals and everyday users alike.

With access to UCount Rewards, a 55-day interest-free period, and global acceptance, this card is designed to meet the needs of both local and international spenders.

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Key features of the Standard Bank Gold Credit Card

Here’s what makes this card stand out:

• UCount Rewards programme: Earn up to 20% back on fuel and grocery purchases.
• 55 days of interest-free purchases if balances are paid in full.
• Worldwide acceptance via Visa network.
• Travel insurance when you book flights using the card.
• Secure online shopping with 3D Secure (OTP) authentication.

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UCount Rewards explained

UCount Rewards is Standard Bank’s loyalty programme linked to the Gold Credit Card.

• Grocery cashback: Earn up to 20% at partner retailers like Pick n Pay and Makro.
• Fuel savings: Earn points at Caltex fuel stations.
• Redeem points: Exchange for vouchers, cash back, or travel bookings.
• Online shopping: Spend UCount Rewards at the Rewards Retailers Store.

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Standard Bank Gold Credit Card fees (2025)

Fee Type	Cost
Monthly service fee	R55
Initiation fee	R180 (once-off)
Supplementary card fee	R28/month
Cash withdrawal fee	R2.20 per R100
International transaction	2.75% of transaction value

These fees make it a low-cost option with valuable rewards for daily spending.

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Eligibility requirements

To qualify for the Standard Bank Gold Credit Card, applicants must:

• Earn a minimum monthly income of R5,000.
• Be 18 years or older with a valid South African ID or passport.
• Provide 3 months’ payslips and bank statements.
• Maintain a good credit score (650+).

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Travel and lifestyle perks

The card offers benefits beyond rewards:

• Free basic travel insurance for international trips booked using the card.
• Visa global benefits, including airport dining offers and exclusive hotel discounts.
• Contactless payments for faster, safer transactions.

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Security features

Standard Bank ensures robust fraud protection:

• Real-time SMS alerts for transactions.
• 3D Secure online authentication.
• Access to Virtual Cards via the Standard Bank app for secure online shopping.

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How the Standard Bank Gold compares to competitors

Card	Monthly Fee	Rewards	Interest-Free Days
Standard Bank Gold	R55	UCount (up to 20%)	55 days
FNB Aspire	R45	eBucks (15%)	55 days
Nedbank Gold (Greenbacks)	R50	Greenbacks	55 days
Capitec Global One	R40	1.5% cashback	55 days

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How to maximise your Standard Bank Gold Credit Card

1. Shop at UCount partner stores like Makro and Pick n Pay.
2. Refuel at Caltex stations to earn higher points.
3. Pay your balance in full every month to avoid interest.
4. Track rewards via the Standard Bank app.

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Official resources and application links

• Apply for the Standard Bank Gold Credit Card
• UCount Rewards Programme
• Standard Bank Travel Insurance Guide

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Conclusion

The Standard Bank Gold Credit Card is a versatile, cost-effective option ideal for South Africans who want reward-driven benefits without high fees. Whether it’s fuel savings, grocery cashback, or global travel perks, this card blends affordability with premium features.

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FAQs

1. Is the Standard Bank Gold Credit Card worth it?
Yes, for those earning R5,000+ who want affordable rewards and global acceptance.

2. Does it include travel insurance?
Yes, basic travel cover applies when flights are purchased on the card.

3. How do I earn UCount Rewards?
Simply use the card for fuel, groceries, and partner store purchases.

4. Is there a limit to the interest-free period?
Yes, 55 days applies only if balances are paid in full monthly.

5. Can I get a supplementary card?
Yes, at an additional fee of R28 per month.