The Standard Bank World Citizen Credit Card is designed for those who seek premium travel and lifestyle benefits while enjoying the convenience of a robust financial tool. Tailored to meet the needs of frequent travelers and individuals who appreciate luxury, this card offers an array of exclusive perks that enhance both local and international experiences.

Whether you’re a globetrotter or someone who values premium services at home, the World Citizen Credit Card provides a gateway to a world of privileges. From discounted flights to personalized concierge services, this card is more than just a payment method—it’s a passport to a luxurious lifestyle.

Key information about the credit card

How does the monthly fee work?

Unlike some credit cards that offer no annual fee, the Standard Bank World Citizen Credit Card comes with a monthly fee of R209.00. While this fee may seem like an additional expense, it’s a small price to pay for the comprehensive suite of benefits that the card offers. The monthly fee is designed to be manageable, spreading the cost across the year rather than requiring a lump sum payment upfront.

How is the credit limit determined?

The credit limit for the Standard Bank World Citizen Credit Card is highly personalized, with a minimum credit limit of R250,000. The bank determines the credit limit based on several factors, including your income, credit history, and overall financial profile. For conventional credit cards, the bank will evaluate your ability to manage credit effectively, ensuring that your limit is both a reflection of your financial standing and your spending needs.

Advantages of the credit card

• Travel perks: Enjoy up to 20% off on Emirates flights and up to 35% off international car rentals with Avis.
• Concierge assistance: Personalized travel concierge services that cater to your every need, ensuring a hassle-free travel experience.
• Lounge access: Unlimited access to Standard Bank, Bidvest, and various international lounges, providing comfort during your travels.
• Accommodation discounts: Get up to 10% cash back when booking through Booking.com and discounts on select luxury accommodations.
• Exclusive shopping benefits: Unlock up to 15% off online purchases at select retailers and enjoy exclusive offers at luxury shopping destinations in Europe.

Standout advantage

One of the standout advantages of the Standard Bank World Citizen Credit Card is the extensive travel insurance that comes bundled with it. This insurance not only covers common issues like luggage loss and flight delays but also provides medical coverage in case of emergencies abroad. For frequent travelers, this benefit is invaluable, offering a safety net that allows you to travel with confidence, knowing that you are protected against unforeseen events.

Disadvantages

• High monthly fee: The monthly fee of R209.00 can be considered steep compared to other credit cards, especially for those who may not utilize all the benefits.
• High minimum income requirement: With a minimum income requirement of R25,000 per month, the card is not accessible to everyone.
• Limited accessibility: The card’s extensive perks are mainly geared towards frequent travelers and those who spend significantly, potentially limiting its usefulness for everyday expenses.

A standout disadvantage

The high minimum income requirement of R25,000 per month is a significant barrier for many potential applicants. This criterion makes the card exclusive, restricting access to those who have a higher income level. While this exclusivity aligns with the card’s premium nature, it can be a major drawback for individuals who do not meet the income threshold but may still want to enjoy its benefits.

Who can apply for this card?

The Standard Bank World Citizen Credit Card is designed for individuals who meet specific criteria. To be eligible, you must be at least 18 years old with a minimum monthly income of R25,000. Additionally, applicants must have a good credit history, meaning that your credit score should reflect responsible credit management.

The card is not available to those with negative credit records, making it a less viable option for individuals who have experienced financial difficulties in the past. You will also need to provide proof of income, typically in the form of recent payslips or bank statements, to demonstrate your ability to manage the credit responsibly.

How to apply for the Standard Bank World Citizen Credit Card

For the website

To apply through the Standard Bank website, start by navigating to the official Standard Bank page and selecting the World Citizen Credit Card under the Credit Cards section. From there, you will find an option to apply online. The application process will require you to fill out your personal information, including your name, contact details, and income information.

Be prepared to upload documents such as your ID, proof of income, and proof of residence. Once submitted, the bank will review your application, which typically takes a few business days. You will be notified of the outcome via email or phone. If approved, your card will be mailed to your address, and you will need to activate it either online or over the phone before you can start using it.

Through the app

Applying for the Standard Bank World Citizen Credit Card through the mobile app is a convenient option for those who prefer to manage their finances on the go. Start by downloading the Standard Bank app from your app store if you haven’t already. Once installed, log in with your credentials or create an account if you are a new user.

Navigate to the “Credit Cards” section within the app, where you will find the World Citizen Credit Card listed. The app will guide you through the application process, prompting you to input your personal information and upload necessary documents directly from your mobile device. After submission, you can track the status of your application within the app, and once approved, you can manage your new credit card right from your mobile device.

At the branch

For those who prefer a more traditional approach, applying for the Standard Bank World Citizen Credit Card in person at a branch is also an option. Visit your nearest Standard Bank branch and request to speak with a representative about applying for a credit card. The representative will guide you through the application process, helping you complete the necessary forms and collect any required documentation.

Once your application is submitted, the processing time is similar to that of online or app applications, with approval notifications typically sent within a few business days. Upon approval, you can pick up your card at the branch or have it mailed to your address.