The flexibility of the Standard Bank Titanium with exclusive benefits for your modern and practical lifestyle
The Standard Bank Titanium is a credit card designed for individuals who prioritise flexibility, special perks, and a practical approach to managing their finances.
With its cutting-edge features and a wide acceptance network, this card provides unmatched convenience and valuable rewards tailored for diverse consumer needs.
Whether you are making everyday purchases or planning for an international holiday, the card adjusts seamlessly to meet your requirements. It also offers robust security measures, ensuring that every transaction is both safe and under your control.
About the Standard Bank Titanium
The Standard Bank Titanium is a top-tier credit card that offers a range of features catering to those who seek versatility and exclusive advantages.
It is well-suited for both everyday expenditures and big-ticket purchases, providing users with peace of mind through its secure and user-friendly functionalities.
One of its most attractive features is the opportunity to participate in cashback programmes, earn travel rewards, and gain access to several partnership deals.
Benefits and advantages of the Standard Bank Titanium
The Standard Bank Titanium delivers a comprehensive range of benefits, ensuring that you get the most out of your credit card experience.
These perks are designed to offer convenience, value, and security for cardholders. Here are some advantages:
- Cashback on selected purchases, giving you the chance to earn while you spend.
- Access to exclusive rewards programmes where you can accumulate points to redeem for products or travel.
- Global acceptance at millions of merchants and ATMs worldwide, providing seamless transactions no matter where you are.
- Enhanced security for online and physical transactions, with advanced anti-fraud measures.
- Fraud protection services that monitor your card for any suspicious activity, ensuring your finances are safeguarded.
- Comprehensive travel assistance, including insurance and emergency services, for peace of mind while travelling.
- Special discounts and deals with selected retail and travel partners, adding extra value to your everyday spending.
Fees and charges
The Standard Bank Titanium is designed to offer transparency and affordability when it comes to its fee structure.
The bank strives to provide competitive rates so that you can enjoy the card’s full benefits without worrying about excessive charges.
Here are some of the key fees and charges associated with the card:
- Monthly maintenance fee: 150 ZA.
- Withdrawal fee: 25 ZA for local cash withdrawals and 50 ZA for international ATM withdrawals.
- Foreign currency conversion fee: 2.75% of the value of any international transaction.
- Interest rate: Depending on your credit profile, the interest on revolving credit can go up to 20% per annum.
- Late payment fee: 75 ZA if the minimum payment is not met by the due date.
- Balance transfer fee: Up to 50 ZA, depending on the amount being transferred.
These fees are designed to be both competitive and easy to understand, giving cardholders full control over their finances.
Minimum income
To qualify for the Standard Bank Titanium, you are required to have a minimum monthly income of 7,500 ZA.
This ensures that the card is accessible to a wide range of potential users, particularly those in middle to upper-income brackets.
However, if your income is below this threshold, the bank may offer you a different card with a lower credit limit or more basic features based on your creditworthiness.
It’s important to have your financial documents ready, such as payslips or proof of income, when applying.
Annual fee
The annual fee for the Standard Bank Titanium is 500 ZA. This fee is charged annually, but there are opportunities for cardholders to get a waiver or reduction.
For example, the fee is often waived in the first year as part of promotional offers. Additionally, if your annual spending exceeds 100,000 ZA, the bank may reduce or eliminate this fee entirely, rewarding you for being an active user of the card.
It’s a competitive fee structure that rewards high spenders while maintaining affordability for average consumers.
Credit limit
The credit limit for the Standard Bank Titanium varies according to your financial profile and the bank’s assessment of your creditworthiness.
Typically, the minimum credit limit starts at 10,000 ZA, but it can go significantly higher for individuals with excellent credit histories and higher incomes. S
tandard Bank reviews your financial history, including your income, existing debt, and credit score, to determine an appropriate credit limit that suits your lifestyle and ability to repay. The bank may also adjust your limit over time, depending on your usage and payment habits.
How to apply for the Credit Card
Applying for the Standard Bank Titanium is a straightforward process, and you can do it online or in person at any Standard Bank branch. Follow these simple steps to get started:
- Visit the Standard Bank website and navigate to the credit cards section.
- Select the Standard Bank Titanium from the available options and click on “Apply Now”.
- Fill out the application form with your personal details, including your name, address, and contact information.
- Provide financial information, such as your monthly income, employment status, and existing credit obligations.
- Submit required documents, including proof of income (such as payslips), a copy of your ID, and proof of address.
- Wait for the bank’s credit assessment, which may involve a credit check and verification of your information.
- Once approved, your Standard Bank Titanium will be sent to you, and you can activate it online or through the app.
Contact Standard Bank
For any questions or further assistance regarding the Standard Bank Titanium or any other services offered by Standard Bank, you can reach out through the following channels:
- Phone: 0860 123 000 (national support)
- Email: [email protected]
- Address: Standard Bank Centre, 5 Simmonds Street, Johannesburg, 2001, South Africa.
Standard Bank’s customer service team is available to help with everything from application queries to account management and general banking support.
