World Citizen Credit Card
Get our Black Card and experience only the best travel and lifestyle perks wherever you go.
R
209.00
Monthly fee
R
92 000
Min monthly income
R
250 000
Credit limit
Personalised
Interest rate
Some of the benefits
Travel perks
Enjoy flight discounts with Emirates for up to 20%* and get automatic comprehensive travel insurance
Concierge assistance
Get personalised travel concierge assistance whenever you need it
Lounge access
Enjoy access to local and international lounges
Accommodation
Get up to 10%* cash back when you book on Booking.com using your Credit Card
Take your credit card to the digital era
Stay in control of your Credit Card with the help of our digital platforms.
What you get
Travel benefits
- Get up to 20%* off on Emirates flights when you book through Leisure Desk
- Enjoy up to 35%* off your next international car rental and chauffeur service when you book with Avis
- Get up to 10%* cash back when you book on Booking.com using your Credit Card
- Enjoy 10% off all hard- and softshell luggage from Gopals
- Access handpicked experiences and offers in cities around the world with Mastercard Priceless Cities
- Get 10% discount on car rental when you book through Rentalcars.com and Budget International
- Get 15% discount on IHG Hotels & Resorts across Europe, Maldives, India, Middle East & Africa when you book with your Credit Card
- Enjoy Unlimited* access to Standard Bank, Bidvest and International lounges
- Enjoy from 12 visits a year to Standard Bank library and Fluent loungesGet 10% off at OneFineStay apartments
- Get up to 15% off on car rentals with Hertz
Lifestyle benefits
- Get 15%* off online purchases when you shop at Wine-of-the-Month Club
- Ship your online purchases home for less and shop at thousands of U.S. online stores through MyUS
- Discover a world of luxury shopping and exclusive offers at 9 shopping centres in Europe through Bicestercollection when you use your Credit Card
- Get access to food and lifestyle offers on the Priceless Specials MEA App
- Enjoy 2* months of Lingokids for free for new users and thereafter get 30%* off monthly subscriptions
- Enjoy 10%* off selected items on Farfetch.com
- Get free internet access for 11 months from AlwaysOn Wi-Fi when buying one month with your World Citizen Credit Card
- Unlock your potential with UNICAF and get 75% scholarship off your program tuition fees when you pay using your Credit Card after admission
- Enjoy 25% discount on your first Fiit subscription payment with your Credit Card
- Get your Mastercard Gamer Pass to participate in one of the biggest online gaming community at Gogamers
- Experience the ultimate day out at any of McArthurGlen’s 26 centres. Shop designer fashion for up to 70% less from your favourite brands.
- Access Global Blue VIP Services for tax-free shopping with Mastercard. Register and present your Mastercard for complimentary access
- Receive complimentary gold status membership and silver tier benefits with Legacy Lifestyle Rewards
- Get up to 10%* discount on surgeries & procedures when you pay with your Eligible Mastercard Medical Tourism Concierge
- Earn from 3* times more UCount Rewards Points every time you use your qualifying Credit Card, no matter where you shop
You also qualify for the following discounts (valid until 31 December 2024):
- Subscribe to the SWEAT 1000 app for action-packed workouts and get 40% off
- Order from UCOOK and enjoy 50% off if you’re a first-time customer and 30% off when you order again
- Take care of your skin with a 30% discount from SKOON
- Shop online at Faithful to Nature and get 20% off as a first-time customer
- Buy sporting goods online at SportSA and get a 10% discount
Insurance benefits
- Travel with peace of mind whether your luggage goes missing or you experience flight delays, you’re covered for luggage and flight delays
- Make your travel worry-free as we've got you covered in case of a medical emergencies
- Generate a travel insurance letter seamlessly and instantaneously for your visa application needs
- Get Purchase Protection and swipe your Credit Card with confidence
- Get coverage in case you’re robbed or forced by threat to withdraw cash from an ATM with our ATM Robbery Insurance
Want to know how to redeem your benefits?
Your World Citizen Credit Card comes with several travel, lifestyle and insurance perks. Find out how to access and redeem these benefits.
Card features
- Chip- and PIN-enabled Black Mastercard credit card
- Shop at millions of merchants and ATMs worldwide
- 3D Secure verification for safe online shopping
- Tap to Pay™ in-store for R500 or less
- Link your card to the SnapScan or Masterpass apps to pay by phone
- Manage your World Citizen Credit Card on your phone, in-app, online or at our ATMs
- Activate or disable till-point, ATM and online card functionality using our app
- Single limit for straight and budget facilities
- Change your credit limit on request
Increase your Credit Card Limit
Please note that the credit limit increase option is only available if you have an existing Standard Bank Credit Card. All limit increases are based on your card account and credit history. T&Cs apply.
How you can apply for an increase:
How you can apply for an increase:
- Sign into your Standard Bank App
- Tap on your Credit Card Tile in the Accounts section
- Next, tap on ‘Apply’ on the ‘Credit Limit Increase’ tile*
- Follow the prompts to find out how much you qualify for
- Personalise your offer and complete your application
What it costs
- Get up to 55 days interest free if your account is paid in full
- 3% minimum monthly repayment with automatic payment option
- R209 monthly fee
- R190 initiation fee
- No monthly fee if bundled with a Private Banking Signature account
*Promotional T&Cs apply.
See 2025 pricing guide
See 2024 pricing guide
How to get it
Already have a Standard Bank Account?
Apply on Internet Banking
- Sign into your Internet Banking profile to apply online
- On the top navigation menu, select Borrow and complete your information
- Follow the on-screen steps to find out which credit card you qualify for
Apply on the Standard Bank App
- Sign into your Standard Bank App
- Tap on the More icon at the bottom of your screen
- Next, tap on Open a new account
- Select Personal Lending
- Tap the Apply button under the Credit Card option and follow the on-screen steps
- For more detailed instructions, you can visit our Apply for a Credit Card page in our Help Centre.
Apply via Cell phone Banking:
Please make sure you have a minimum of R2 airtime to begin your application
- Dial *120*2345# on your cell phone
- From the menu, select option 3
- Follow the easy steps
- Success or failure of your application will be notified by SMS
- One of our agents will then contact you to discuss next steps
Increase your Credit Card Limit
Please note that the credit limit increase option is only available if you have an existing Standard Bank Credit Card. All limit increases are based on your card account and credit history. T&Cs apply.
How you can apply for an increase:
- Sign into your Standard Bank App
- Tap on your Credit Card Tile in the Accounts section
- Next, tap on ‘Apply’ on the ‘Credit Limit Increase’ tile*
- Follow the prompts to find out how much you qualify for
- Personalise your offer and complete your application
Complete a Call Me Back form
You can complete a Call Me Back form and we will get in touch with you
Don’t have a Standard Bank Account?
You can still apply for a credit card by:
- Completing a Call Me Back form
- Cellphone Banking
Remember to have the following ready:
- A copy of your South Africa ID (or your passport if you are not a South African citizen)*
- A recent payslip
- 3 months bank statement
- Proof of residence not older than 3 months
- You must earn R92 000 or more per month
* You must be over 18. Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
-
What you get
-
Card features
-
Increase your Credit Card Limit
-
What it costs
-
How to get it
Travel benefits
- Get up to 20%* off on Emirates flights when you book through Leisure Desk
- Enjoy up to 35%* off your next international car rental and chauffeur service when you book with Avis
- Get up to 10%* cash back when you book on Booking.com using your Credit Card
- Enjoy 10% off all hard- and softshell luggage from Gopals
- Access handpicked experiences and offers in cities around the world with Mastercard Priceless Cities
- Get 10% discount on car rental when you book through Rentalcars.com and Budget International
- Get 15% discount on IHG Hotels & Resorts across Europe, Maldives, India, Middle East & Africa when you book with your Credit Card
- Enjoy Unlimited* access to Standard Bank, Bidvest and International lounges
- Enjoy from 12 visits a year to Standard Bank library and Fluent loungesGet 10% off at OneFineStay apartments
- Get up to 15% off on car rentals with Hertz
Lifestyle benefits
- Get 15%* off online purchases when you shop at Wine-of-the-Month Club
- Ship your online purchases home for less and shop at thousands of U.S. online stores through MyUS
- Discover a world of luxury shopping and exclusive offers at 9 shopping centres in Europe through Bicestercollection when you use your Credit Card
- Get access to food and lifestyle offers on the Priceless Specials MEA App
- Enjoy 2* months of Lingokids for free for new users and thereafter get 30%* off monthly subscriptions
- Enjoy 10%* off selected items on Farfetch.com
- Get free internet access for 11 months from AlwaysOn Wi-Fi when buying one month with your World Citizen Credit Card
- Unlock your potential with UNICAF and get 75% scholarship off your program tuition fees when you pay using your Credit Card after admission
- Enjoy 25% discount on your first Fiit subscription payment with your Credit Card
- Get your Mastercard Gamer Pass to participate in one of the biggest online gaming community at Gogamers
- Experience the ultimate day out at any of McArthurGlen’s 26 centres. Shop designer fashion for up to 70% less from your favourite brands.
- Access Global Blue VIP Services for tax-free shopping with Mastercard. Register and present your Mastercard for complimentary access
- Receive complimentary gold status membership and silver tier benefits with Legacy Lifestyle Rewards
- Get up to 10%* discount on surgeries & procedures when you pay with your Eligible Mastercard Medical Tourism Concierge
- Earn from 3* times more UCount Rewards Points every time you use your qualifying Credit Card, no matter where you shop
You also qualify for the following discounts (valid until 31 December 2024):
- Subscribe to the SWEAT 1000 app for action-packed workouts and get 40% off
- Order from UCOOK and enjoy 50% off if you’re a first-time customer and 30% off when you order again
- Take care of your skin with a 30% discount from SKOON
- Shop online at Faithful to Nature and get 20% off as a first-time customer
- Buy sporting goods online at SportSA and get a 10% discount
Insurance benefits
- Travel with peace of mind whether your luggage goes missing or you experience flight delays, you’re covered for luggage and flight delays
- Make your travel worry-free as we've got you covered in case of a medical emergencies
- Generate a travel insurance letter seamlessly and instantaneously for your visa application needs
- Get Purchase Protection and swipe your Credit Card with confidence
- Get coverage in case you’re robbed or forced by threat to withdraw cash from an ATM with our ATM Robbery Insurance
Want to know how to redeem your benefits?
Your World Citizen Credit Card comes with several travel, lifestyle and insurance perks. Find out how to access and redeem these benefits.
- Chip- and PIN-enabled Black Mastercard credit card
- Shop at millions of merchants and ATMs worldwide
- 3D Secure verification for safe online shopping
- Tap to Pay™ in-store for R500 or less
- Link your card to the SnapScan or Masterpass apps to pay by phone
- Manage your World Citizen Credit Card on your phone, in-app, online or at our ATMs
- Activate or disable till-point, ATM and online card functionality using our app
- Single limit for straight and budget facilities
- Change your credit limit on request
Please note that the credit limit increase option is only available if you have an existing Standard Bank Credit Card. All limit increases are based on your card account and credit history. T&Cs apply.
How you can apply for an increase:
How you can apply for an increase:
- Sign into your Standard Bank App
- Tap on your Credit Card Tile in the Accounts section
- Next, tap on ‘Apply’ on the ‘Credit Limit Increase’ tile*
- Follow the prompts to find out how much you qualify for
- Personalise your offer and complete your application
- Get up to 55 days interest free if your account is paid in full
- 3% minimum monthly repayment with automatic payment option
- R209 monthly fee
- R190 initiation fee
- No monthly fee if bundled with a Private Banking Signature account
*Promotional T&Cs apply.
See 2025 pricing guide
See 2024 pricing guide
Already have a Standard Bank Account?
Apply on Internet Banking
- Sign into your Internet Banking profile to apply online
- On the top navigation menu, select Borrow and complete your information
- Follow the on-screen steps to find out which credit card you qualify for
Apply on the Standard Bank App
- Sign into your Standard Bank App
- Tap on the More icon at the bottom of your screen
- Next, tap on Open a new account
- Select Personal Lending
- Tap the Apply button under the Credit Card option and follow the on-screen steps
- For more detailed instructions, you can visit our Apply for a Credit Card page in our Help Centre.
Apply via Cell phone Banking:
Please make sure you have a minimum of R2 airtime to begin your application
- Dial *120*2345# on your cell phone
- From the menu, select option 3
- Follow the easy steps
- Success or failure of your application will be notified by SMS
- One of our agents will then contact you to discuss next steps
Increase your Credit Card Limit
Please note that the credit limit increase option is only available if you have an existing Standard Bank Credit Card. All limit increases are based on your card account and credit history. T&Cs apply.
How you can apply for an increase:
- Sign into your Standard Bank App
- Tap on your Credit Card Tile in the Accounts section
- Next, tap on ‘Apply’ on the ‘Credit Limit Increase’ tile*
- Follow the prompts to find out how much you qualify for
- Personalise your offer and complete your application
Complete a Call Me Back form
You can complete a Call Me Back form and we will get in touch with you
Don’t have a Standard Bank Account?
You can still apply for a credit card by:
- Completing a Call Me Back form
- Cellphone Banking
Remember to have the following ready:
- A copy of your South Africa ID (or your passport if you are not a South African citizen)*
- A recent payslip
- 3 months bank statement
- Proof of residence not older than 3 months
- You must earn R92 000 or more per month
* You must be over 18. Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
Our service fees range from R40 to R199 per month depending on the Credit Card. Interest rates are personalised ranging from a minimum of 11.75% (prime – 0.25%) to a maximum of 22.25% (Repo rate + 14%) as per the NCA regulation. Your monthly repayment for your Credit Card is a minimum of 3% of your outstanding balance. An upfront, once-off initiation fee of R180 (VAT inclusive) will be required.
Credit Card FAQS
Do you want to learn more about how your credit card works?
Tips and guidance
Getting started
Getting started
See how you can make the most of your new credit card.
Claiming your benefits
Claiming your benefits
Each credit card comes with its own benefits. Here’s how to make sure you get them…
Using your card
Using your card
Making changes to your card is quick, safe and easy when you know how.
Keeping your card safe
Keeping your card safe
Register now to benefit from paying with your Credit, Cheque or Debit card.
We also offer
Credit card protection plan
Take the stress out of using your credit card, knowing that what you owe is covered in the event of death, disability, dread disease or retrenchment.
Tax-Free Call investment account
Invest up to R36 000 per year with this tax-free investment account and get guaranteed growth on your savings.
Need help?