Standard bank titanium Credit card

Standard bank has a couple of credit cards that you can apply for. Some are really easy to get, while other are stricter with the requirements and is designed for those with a higher income. We are talking about the Standard bank Titanium credit card.

The card that we are going to discuss today is the Standard bank titanium credit card. This is a credit card for people with a higher income. Because the requirements are higher, there are also more benefits to having this credit card. We are telling you everything there is to know about this great card.

Essential information about the Standard bank titanium credit card

The Standard bank titanium credit card is one of the more elite cards for people with higher income. The qualifying income for this credit card is to have more than R25, 000 income per month.  The monthly fees are a bit higher than other credit cards and start from R82 per month.

You can get a high credit limit, because of the high income you need to get before you can apply for the card.  The one thing that is important to know is that there are a couple of travel benefits that you can enjoy when you are making use of your titanium card when traveling.

Features of the titanium credit card

There are many features of the Standard bank titanium credit card. Features that you need to know so that you can decide if you are going to apply for this card.

  • The credit card is known as a chip-and-pin enabled Mastercard credit card.
  • You can shop at any online store, or in-store nationwide. There are also many ATMs where you can use the card without any problems.
  • You will have a single limit for straight and budget facilities, so you need to keep an eye on it.
  • You can also change your credit limit at any time, on request. You will need to qualify for an increase in your limit before it will be approved.
  • You will pay a monthly fee that is normally ranging from R82. It will depend on your credit limit.
  • The interest rate is personalized according to your credit score.

Benefits of having this credit card

All the benefits of the Standard bank titanium credit card are making it worth it. Because this is an elite credit card, there are many perks to using the card. Making it worth paying the monthly fee. These are some of the benefits, that include normal benefits, insurance benefits, and even travel benefits.

  • You will get 5% cashback when you are booking at any domestic or international hotel, apartment, and more. This means that the more you spend on these expenses, the more cashback you will get.
  • When you are traveling, you will get free basic travel insurance when you purchase your flight tickets with a credit card.  But, you need to use your credit card for the purchases, this is important to remember.
  • There are some other travel benefits that you need to know as well. Like discounts on car rentals, and other travel expenses.
  • When you spend more than R300 on ProGifts, you are going to get a total of 10% of your purchase.  

Requirements before you can apply for the Standard bank titanium credit card

If you don’t qualify for applying to the Standard bank titanium credit card, then you can look at the other, lower qualification credit cards. With this credit card, you need to have a minimum monthly income of R25,000 or more.

You will need to pay a monthly fee of at least R82 and you can get a credit limit of up to R250 000. You will not pay any interest if the repayment is paid in full within the next 55 days. The interest rate will depend on your personal circumstances. The better your credit score, the lower the interest will be.

You need to be over the age of 18 years, and you will need to have a good credit score to qualify.

When you are looking for a credit card with lots of perks, then you need to look at the Standard bank titanium credit card. Even if the qualification of this card is so much higher, the benefits are just as much. There are some travel benefits, personal benefits, and other benefits that is making it worth applying for this titanium card.