Standard Bank Credit Cards 2025
Discover Standard Bank's premium credit cards with UCount rewards, comprehensive travel benefits, and rates from 20.25%. Choose from Platinum, Gold, Classic, or Student cards.
Standard Bank Highlights
Standard Bank Credit Card Benefits
UCount Rewards
Earn rewards on every purchase and redeem for cash, airtime, or shopping vouchers
Travel Insurance
Comprehensive travel cover up to R10 million for Platinum cardholders
Purchase Protection
Protection against theft, damage, or defective goods
Extended Warranty
Extend manufacturer warranties by up to 12 months
Airport Lounge Access
Complimentary access to airport lounges worldwide (Platinum)
Concierge Services
24/7 lifestyle and travel assistance (Platinum)
Choose Your Standard Bank Credit Card
Standard Bank Platinum Credit Card
PlatinumPremium credit card with comprehensive benefits and high UCount rewards
Standard Bank Gold Credit Card
GoldMid-tier card with solid rewards and essential benefits
Standard Bank Classic Credit Card
ClassicEntry-level card with basic benefits and UCount rewards
Standard Bank Student Credit Card
StudentDesigned for students with educational benefits and financial literacy
Standard Bank Platinum Credit Card - Complete Details
Key Features
- UCount rewards program
- Travel insurance up to R10 million
- Purchase protection insurance
- Extended warranty protection
- 24/7 concierge services
- Airport lounge access
- Complimentary golf rounds
- Premium customer service
- Global acceptance
- Contactless payments
UCount Rewards
Requirements
- Minimum income R35,000
- Excellent credit score (720+)
- Standard Bank account preferred
- Permanent employment
- Clear credit record
- Comprehensive affordability assessment
- Professional occupation
- Stable employment history
UCount Rewards Calculator
Your Spending
Your UCount Rewards
Enter your monthly spending to see your potential UCount rewards
Selected Tier Benefits
- Base reward rates
- Standard redemption options
- Basic account features
How to Apply for Standard Bank Credit Cards
Choose Your Card
Select the Standard Bank credit card that matches your needs
Check Eligibility
Verify you meet the minimum requirements
Complete Application
Fill out online application or visit branch
Submit Documents
Provide required documentation
Credit Assessment
Standard Bank reviews your application
Card Issuance
Receive and activate your new card
Expert Tips for Standard Bank Credit Cards
Maximize UCount Tiers
Increase monthly spending to reach higher UCount tiers for bonus rewards
Use for Fuel and Groceries
Earn higher reward rates on everyday spending categories
Take Advantage of Travel Benefits
Use travel insurance and lounge access for maximum value on trips
Monitor Your Spending
Use Standard Bank's budgeting tools to track expenses and rewards
Redeem Regularly
Don't let UCount rewards accumulate - redeem for cash or vouchers
Combine with Banking
Use multiple Standard Bank products to enhance your relationship
Frequently Asked Questions
How do UCount tiers work?
UCount tiers are based on your monthly spending across all Standard Bank products. Higher tiers offer bonus multipliers on your rewards, with Tier 5 offering double rewards for spending R25,000+ monthly.
What's included in Platinum travel insurance?
Platinum cardholders get comprehensive travel insurance up to R10 million, including medical expenses, trip cancellation, lost luggage, and emergency evacuation coverage for international travel.
Can I redeem UCount rewards for cash?
Yes, UCount rewards can be redeemed for cash back, airtime, shopping vouchers, or used to pay off your credit card balance. The minimum redemption is usually R50.
How long does Standard Bank credit card approval take?
Standard Bank credit card approval typically takes 2-5 business days for complete applications. Existing customers with good standing may receive faster approval decisions.
Do UCount rewards expire?
UCount rewards don't expire as long as you remain an active Standard Bank customer and use your account regularly. Inactive accounts may result in rewards forfeiture.
Important Information
Before You Apply
- • Check your credit score and report
- • Ensure you meet income requirements
- • Consider your spending patterns for UCount
- • Compare cards based on your lifestyle
- • Gather all required documentation
Contact Standard Bank
- • Phone: 0860 123 000
- • Online: www.standardbank.co.za
- • App: Standard Bank Mobile
- • Branch: Visit any Standard Bank branch
- • Hours: Monday-Friday 8AM-4:30PM
Disclaimer: Interest rates, fees, and terms are subject to change. Credit approval is subject to Standard Bank's assessment. UCount rewards and tiers are subject to program terms. This information is for general guidance only and does not constitute financial advice.