South Africa
Gold Credit Card
Get all the lifestyle, travel and insurance benefits you’re looking for at an affordable rate with our Gold Credit Card.
R
58.00
monthly fee
R
7 500
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 basic travel insurance
Priceless specials
Get priceless offers on dining, leisure and more
Booking.com
Get up to 5%* cashback when you book any domestic or international hotel, apartment and more
Treat yourself
Enjoy 10% off when you spend R300 or more on ProGifts
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
- Access handpicked experiences and offers in cities around the world with Priceless Cities
- Get up to 5%* cash back when you book on Booking.com using your credit card
- Enjoy 10% off all hard and softshell luggage from Gopals
- Get up to 10% discount on car rental when you book through Rentalcars.com or Avis
Lifestyle benefits
- Get 15%* off wine, coffee, olive oils and more when you purchase online at Wine-of-the-Month Club
- Get access to food and lifestyle offers on the Priceless Specials MEA App
- Earn UCount Rewards Points every time you use your credit card, no matter where you shop
- Enjoy 2* months of Lingokids for free for new users and thereafter get 30%* off monthly subscriptions for new and existing customers
- Get up to 30%* off on top trending courses and up to 50%* off on the course of the month with Udemy
- Get 10%* off when you spend R300 or more on home décor, lifestyle, novelty gifts and more at A Place To Shop
- Enjoy 10%* off when you spend R300 or more Flowers.co.za
- Enjoy 10%* off when you spend R300 or more on flowers, gifts, hampers and more at Pro Gifts
- Get 5% off your experience voucher with Gift Experience
- Enjoy 10%* off purchases at the Sweetie Shop when you spend R1 000 or more
- Get 10%* off when you purchase for more than R4 999 online at Bradlows, Russells, Rochester or Sleepmasters
- Get R150 off your first time at SweepSouth
- Get access to 4 counselling sessions per month at 3Sixty Health
- Get 15%* discount on your tertiary fees at certain institutions from Educor
- Get 25%* off any obstacle course at Acrobranch
Insurance benefits
- You are covered with automatic basic travel insurance
- Get an optional Credit Card Protection Plan to ensure that your credit card debt is covered in case of an unfortunate event
Credit card how-to-guide
- Click here to view our credit card how-to-guide on how to redeem your benefits.
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Card features
- Chip- and PIN-enabled 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 Gold 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
What it costs
- 0%* interest rate when you choose the 6-month budget plan to pay for your in-store or online purchases
- Get up to 55 days free interest if your account is paid in full
- 3% minimum monthly repayment with automatic payment option
- R58 monthly fee
- R180 initiation fee
*Promotional T&Cs apply.
See 2022 pricing guide
See 2021 pricing guide
How to get it
- Sign into your Internet Banking profile to apply online
- Complete a Call Me Back form and we’ll get in touch with you
- South African ID copy (or passport if not an SA citizen)*
- A recent payslip and 3 months bank statement
- Proof of residence not older than 3 months
- Must earn R7 500 or more per month
*You must be over 18. Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
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What you get
-
Card features
-
What it costs
-
How to get it
Travel benefits
- Get up to 20%* off on Emirates flights when you book through Leisure Desk
- Access handpicked experiences and offers in cities around the world with Priceless Cities
- Get up to 5%* cash back when you book on Booking.com using your credit card
- Enjoy 10% off all hard and softshell luggage from Gopals
- Get up to 10% discount on car rental when you book through Rentalcars.com or Avis
Lifestyle benefits
- Get 15%* off wine, coffee, olive oils and more when you purchase online at Wine-of-the-Month Club
- Get access to food and lifestyle offers on the Priceless Specials MEA App
- Earn UCount Rewards Points every time you use your credit card, no matter where you shop
- Enjoy 2* months of Lingokids for free for new users and thereafter get 30%* off monthly subscriptions for new and existing customers
- Get up to 30%* off on top trending courses and up to 50%* off on the course of the month with Udemy
- Get 10%* off when you spend R300 or more on home décor, lifestyle, novelty gifts and more at A Place To Shop
- Enjoy 10%* off when you spend R300 or more Flowers.co.za
- Enjoy 10%* off when you spend R300 or more on flowers, gifts, hampers and more at Pro Gifts
- Get 5% off your experience voucher with Gift Experience
- Enjoy 10%* off purchases at the Sweetie Shop when you spend R1 000 or more
- Get 10%* off when you purchase for more than R4 999 online at Bradlows, Russells, Rochester or Sleepmasters
- Get R150 off your first time at SweepSouth
- Get access to 4 counselling sessions per month at 3Sixty Health
- Get 15%* discount on your tertiary fees at certain institutions from Educor
- Get 25%* off any obstacle course at Acrobranch
Insurance benefits
- You are covered with automatic basic travel insurance
- Get an optional Credit Card Protection Plan to ensure that your credit card debt is covered in case of an unfortunate event
Credit card how-to-guide
- Click here to view our credit card how-to-guide on how to redeem your benefits.
|
|
- Chip- and PIN-enabled 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 Gold 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
- 0%* interest rate when you choose the 6-month budget plan to pay for your in-store or online purchases
- Get up to 55 days free interest if your account is paid in full
- 3% minimum monthly repayment with automatic payment option
- R58 monthly fee
- R180 initiation fee
*Promotional T&Cs apply.
See 2022 pricing guide
See 2021 pricing guide
- Sign into your Internet Banking profile to apply online
- Complete a Call Me Back form and we’ll get in touch with you
- South African ID copy (or passport if not an SA citizen)*
- A recent payslip and 3 months bank statement
- Proof of residence not older than 3 months
- Must earn R7 500 or more per month
*You must be over 18. Approval is subject to credit checks and Financial Intelligence Centre Act (FICA) requirements.
The maximum credit available on a Gold Credit Card is R250 000, and the monthly repayment is a minimum of 3% of your outstanding balance. The monthly service fee is R54 and the once-off initiation fee is R180 (VAT inclusive). Our interest rates are personalised and range from a minimum of 7.25% (prime) to a maximum of 18.25% (Repo rate + 14%) as per the NCA regulation.
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.
Elite Banking Account
The Elite Banking Account is no longer available. If you already have an Elite Banking Account, please take a look at the pricing guide for 2021.
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