The Standard Bank Visa Prestige Credit Card redefines exclusivity and convenience for individuals who demand a sophisticated financial tool. Designed to cater to high-income earners, this credit card offers a premium blend of benefits, luxury, and financial flexibility that aligns with a modern, upscale lifestyle.
With its wide range of features, including global airport lounge access, substantial partner discounts, and comprehensive credit management tools, the Visa Prestige card ensures that cardholders experience unparalleled convenience and elegance in their financial transactions. This guide delves into the details of the card, helping you understand its advantages, disadvantages, and application process.
Key information about the credit card

How does the annual fee work?
The Visa Prestige Credit Card has an annual fee of AOA 40,000, a reflection of the premium nature of this financial product. Unlike no-fee credit cards that may offer limited benefits, this fee grants you access to an array of exclusive features, including airport lounge privileges and significant discounts with global brands.
The fee can be paid annually in a single installment, and while there is no current provision for fee waivers, the perks provided by the card justify this investment for those who use its features regularly. By covering the annual fee, cardholders gain access to services that far outweigh the cost. This makes it an excellent option for individuals who value premium services and can take full advantage of the card’s features.
How is the credit limit determined?
The credit limit for the Standard Bank Visa Prestige Card is determined by the applicant’s financial profile, particularly their income level. The card requires a minimum monthly salary of AOA 1,200,000, which forms the foundation for assessing creditworthiness and setting the limit.
Standard Bank evaluates factors such as your spending habits, debt-to-income ratio, and credit history before finalizing the credit limit. Unlike prepaid cards, where users set their spending limits through deposits, the Visa Prestige card provides a limit based on the bank’s assessment of your financial capability. This approach ensures responsible borrowing and aligns your credit access with your financial stability.
Advantages of the credit card
- Interest-free period: Benefit from up to 50 days of interest-free credit, allowing you to manage your cash flow effectively without incurring additional costs during this grace period.
- Flexible payment options: The card offers various repayment plans, giving you the flexibility to choose a schedule that suits your financial situation. This adaptability ensures that managing monthly expenses remains stress-free.
- Expense tracking tools: With access to detailed online statements, you can monitor your spending and analyze your financial habits at any time, fostering better money management.
- 24/7 account accessibility: Through Standard Bank’s Internet Banking platform, cardholders can check balances, make payments, and manage their accounts from anywhere in the world, at any time of the day.
- Early payment facility: The card allows you to make early payments on your outstanding balances, giving you control over interest accumulation and helping you maintain a healthy credit profile.
- Credit protection plan: This feature safeguards your credit obligations, ensuring financial security in unexpected situations.
- Global airport lounge access: Relax in premium airport lounges worldwide by registering your card with LoungeKey. This benefit enhances your travel experience, making layovers more comfortable.
Standout advantage
The card’s most distinctive feature is its global airport lounge access, offering a touch of luxury for frequent travelers. By registering your card on the LoungeKey platform, you can enjoy exclusive access to comfortable and well-equipped lounges across the globe. This perk transforms long waits and layovers into moments of relaxation, making every journey smoother and more enjoyable. This feature is ideal for professionals and leisure travelers who value comfort and convenience.
Disadvantages
- Annual fee: The AOA 40,000 fee may deter potential users who prefer low-cost financial products.
- High income requirement: The card requires a minimum monthly salary of AOA 1,200,000, making it inaccessible to many individuals.
- No waiver for the annual fee: Unlike some cards that offer fee waivers for high spenders, this card does not have such provisions.
A standout disadvantage
The primary disadvantage of the card lies in its income requirement, which limits accessibility. With a minimum monthly salary threshold of AOA 1,200,000, many potential applicants may find themselves excluded. While this exclusivity ensures that the card remains a premium product, it also restricts its appeal to a narrower audience.
Who can apply for this card?
To apply for the Standard Bank Visa Prestige Credit Card, certain eligibility criteria must be met. Applicants must be at least 18 years old, ensuring they meet the legal age for financial contracts. Additionally, the card requires a minimum monthly income of AOA 1,200,000, emphasizing its premium nature.
A clean financial history is also necessary, as the bank conducts thorough checks on credit profiles to ensure responsible lending. Applicants must provide valid identification and proof of income, such as payslips or bank statements. Unfortunately, this card is not available to individuals with poor credit histories or those seeking easy approval, reinforcing its status as a premium financial product.
How to apply for the Standard Bank Visa Prestige Credit Card
Applying for the Standard Bank Visa Prestige Credit Card is straightforward, with multiple options available for convenience. Whether you prefer online applications, using the bank’s app, or visiting a branch, the process is designed to cater to your preferences.
For the website
To apply through the Standard Bank website, navigate to the Credit Cards section and select the Visa Prestige Card. Complete the online application form with your details, including your name, contact information, and income details. Upload the required documents, such as proof of identity and proof of income, and submit the form. Once submitted, the bank will review your application and contact you with the next steps.
Through the app
The Standard Bank mobile app simplifies the application process. Log in to your account and access the Products section. Select the Visa Prestige card, and follow the guided steps to complete your application. You can upload all required documents directly through the app. This method is fast and convenient, especially for those who are already familiar with the bank’s digital platforms.
At the branch
For those who prefer in-person interactions, visiting a Standard Bank branch is an excellent option. Speak with a customer service representative, who will guide you through the application process. They will assist in filling out forms, collecting necessary documents, and explaining the card’s features and benefits. This method provides a personalized experience, ensuring that all your questions are answered before you commit.