Each person lives a specific lifestyle, where many usually shop at stores, supermarkets and pharmacies, as well as others do all of this too, but they live traveling, spending on air tickets, hotel accommodation and car rentals.
The credit card is an important tool in this regard, as it lends money in the form of credit to those who have a card in hand. In addition, the advantages of having a card that provides benefits for every purchase made are a relief.
In the case of the World Citizen Credit Card, this credit card is aimed at those who like to travel or need to live traveling, since it offers immense benefits for those who have this lifestyle – thus, they would enjoy all the benefits that come with this credit card.
Are you ready to get your own credit card with countless exclusive perks? We will explain exactly how the World Citizen Credit Card works, its advantages, rewards, disadvantages and why it might be useful for you. Read on to learn how to apply and other important information as well.
World Citizen Credit Card
Get discounts of up to 35% You get up to 55 days free interest when you pay your account in fullHow does World Citizen Credit Card work
If you’re looking for a credit card just to do your everyday shopping and nothing else, you might miss out on a lot if you choose this card. First, because the World Citizen Credit Card was created thinking exactly about people who travel a lot and spend a lot on airline tickets, hotel accommodation and car rentals.
With this credit card in your hands, you can take advantage of the BRL 250,000.00 credit limit, so you need to have a minimum income of BRL 25,000.00. With this special credit limit you can do many things, guarantee the advance purchase of your tickets, accommodation, and much more – taking advantage of the World Citizen offers 55 days interest free.
To keep this special credit card in your wallet, you need to spend R264.00 monthly maintenance fee, a 2.25% international transfer fee, and a one-time start fee of R180.00. By offering a world of benefits, which we will see later, it ends up not having low rates.
However, the good news is that you can skip paying this monthly fee. To achieve this, you need to combine your World Citizen with a Private Banking subscription account. With this, you can enjoy a credit card that will provide you with dozens of benefits and advantages in different segments, at no monthly cost.
Pros and Cons of using the World Citizen Credit Card
The World Citizen Credit Card is a credit card created for those who travel a lot and need special discounts, advantages and cashbacks. Check out some of the huge advantages of this great credit card:
- Enjoy the credit limit of R250,000.00
- You get up to 55 days free interest when you pay your account in full
- The World Citizen Credit Card comes with travel insurance
- You get up to 35% off Emirates flights when booking through ‘Lazer Desk’
- Rent a car, get a driver service through Avis and enjoy up to 25% off your next rental
- Enjoy special privileges and discounts of up to 10% on ‘luxury apartments’ abroad
- You get 10% off when you swipe your card at Hirsch’s
- You get 10% off when you use your the credit card for bookings through Hotels.com
Once you have the World Citizen Credit Card in your hands, you will be able to enjoy all this and more. The advantages of having this card are practical and especially for those who want to have more discounts on airfare, accommodation and car rental.
Cons of using the World Citizen Credit Card
The World Citizen Credit Card is a full-featured card, as you have just seen. When we think about the disadvantages of this credit card, we believe that there are several, but in reality they are not.
The only negative point of this powerful credit card is its fees, especially its monthly fee, one of the most expensive there is, at R264.00. The good thing about the situation is that you can reset this fee if there is a link with a Private Banking subscription account. Otherwise, you will have to pay this monthly fee.
Fees for the World Citizen Credit Card
The World Citizen Credit Card has some fees that you will have to pay in certain situations, depending on what you do. Learn more about some of them:
- R264 monthly fee
- R180 initiation fee
- 2% International transaction fee
- R4 Online inter-account transfers fee
- R75 Branch inter-account transfers fee
- R9 Online account payments
These are some of the fees you will need to pay if you opt for the World Citizen Credit Card.
How to Apply
To get the World Citizen Credit Card, you need to have a Standard Bank account. If you don’t have one, create one for free and then apply for your credit card through the App.
If you don’t bank with Standard Bank, all you need to do is go to their website and fill out their online form.
Shortly after, the bank will return to you and confirm whether you qualify to have the World Citizen in hand. If you are accepted, you can pick up your card at your nearest bank or have it delivered to your home – for an extra cost.
Conclusion
In conclusion, the World Citizen Credit Card offers substantial benefits tailored for frequent travelers, including a high credit limit, interest-free period, travel insurance, and various discounts on flights, hotels, and car rentals. These perks make it a valuable tool for those who spend heavily on travel expenses. However, potential applicants should consider the relatively high fees associated with the card, including a monthly maintenance fee and international transaction fees. If you travel frequently and can utilize the benefits effectively, the World Citizen Credit Card could be a worthwhile choice despite its fees.
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