Standard Bank Gold Credit Card
Best for: first-time applicants earning from R5,000 a month who want UCount rewards.
Pros
- Low R5,000 monthly income requirement
- Rates can start below prime for strong profiles
- Access to Mastercard Priceless Cities offers
Cons
- 2.75% international transaction fee
- No lounge access at this tier
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The Standard Bank Gold Credit Card is one of the easier cards to qualify for, with a published minimum income of R5,000 a month. It costs R64 a month and earns UCount Rewards points.
Standard Bank Gold Credit Card at a glance
| Issuer | Standard Bank |
| Card network | Mastercard |
| Annual fee | R64/month |
| Rewards rate | UCount Rewards: earn up to 3 times more UCount points when you pay with a qualifying credit card instead of a debit card |
| Welcome bonus | See issuer for the current offer |
| Intro APR | None |
| Regular APR | Personalised, from prime minus 0.25% up to the NCA maximum |
| Foreign transaction fee | 2.75% international transaction fee |
| Credit needed | R5,000 a month |
| Best for | Low income requirement with UCount rewards and basic travel insurance |
Key features
- R64 a month: R40 monthly service fee plus R24 card fee
- Up to 55 days interest-free when you pay in full
- Credit limit of up to R250,000, subject to affordability
- Automatic basic travel insurance when you book with the card
- Once-off initiation fee of R200
Pros
- Low R5,000 monthly income requirement
- Rates can start below prime for strong profiles
- Access to Mastercard Priceless Cities offers
Cons
- 2.75% international transaction fee
- No lounge access at this tier
Before you apply: confirm the current annual fee, interest rate, rewards and eligibility on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: standardbank.co.za · standardbank.co.za
How it compares with similar South Africa cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Standard Bank Gold Credit CardLow income requirement with UCount rewards and basic travel insurance |
R64/mo | UCount Rewards: earn up to 3 times more UCount points when you pay wit… | None | 2.75% international transa… | R5,000 a month | |
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FNB (First National Bank)FNB Premier 4273 4677 8942 6648 VALID THRU 02/31ALEX MORGAN FNB Premier Credit CardMid-income earners who bank with FNB and want stronger eBucks earning |
R125/mo | eBucks Rewards at partner retailers, including eBucks fuel rewards at… | None | 2.75% currency conversion… | R300,000 to R749,999 a year |
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