fnb private clients credit card travel insurance

FNB Travel Insurance Review 2024

FNB Travel Insurance provides travel insurance of up to R5 million for medical and related expenses. FNB Travel Insurance is […]

FNB Travel Insurance provides travel insurance of up to R5 million for medical and related expenses.

FNB Travel Insurance is designed for FNB credit card and cheque account holders under the age of 75.

Outpatient services require an additional fee of R2,000.00 for medical and related expenses upon claim submission. In contrast, inpatient clients facing a medical emergency do not incur extra charges.

The insurance becomes active upon purchasing return tickets with a participating FNB cheque or credit card. Additionally, residents of Lesotho, Namibia, and Swaziland are eligible for this coverage.

Quarantine costs are reimbursed at R3,000.00 per day, capped at R30,000.00. An excess fee of R500.00 applies when making a quarantine-related claim.

Dental care up to R2,000.00 is covered, with an excess fee of R350.00 applicable for dental claims.

The plan also includes coverage for accidental death while traveling, up to R250,000.00, and accidental permanent disability, up to R750,000.00.

Other related expenses covered by the insurance policy include:

Medical Transportation, Repatriation and Evacuation

Compassionate emergency visit, repatriation of children, repatriation of travel companion.

Burial, Cremation or Return of Mortal Remains

Other types of emergencies are also covered by FNB Travel Insurance. The following are the pre-existing medical emergencies that are covered by the plan.

FNB Travel Insurance Included Medical Emergencies

The FNB plan covers the sudden and unexpected onset of a pre-existing medical condition that may necessitate emergency medical treatment. The plan pays for inpatient hospital expenses. Pre-existing medical conditions are covered for a maximum of R500,000.00.

The plan also covers any additional expenses incurred as a direct result of covered injuries, illnesses, or diseases.

The plan cover policyholders for the following:

The plan covers transportation to the most appropriate medical facility for the insured to receive necessary treatment. The plan allows for an organized plan in which an assistance company can assist in transporting the insured to a facility. If necessary, repatriation to the insured’s home country is also provided. FNB will make such arrangements through their assistance company.

If the insured is hospitalized for 5 days or more in a row, the policy will pay for reasonable hotel and airfare expenses for a family member. Accommodation is paid for in a three-star hotel and does not include calls, meals, or drinks.

The insurance covers a family member who, on the advice of a doctor, stays with you until you are able to resume your journey.

If your accompanied children are left stranded in the event of your hospitalization, repatriation, or death, FNB travel insurance will arrange and pay for their transportation back to their country of residence, if necessary, with a qualified escort, provided they are also insured by FNB.

If your traveling companion is left stranded due to your hospitalization, repatriation, or death, FNB will arrange and pay for their transportation back to their country of residence with a qualified escort if required, provided they are also insured by FNB Insure.

List of FNB Credit Cards that Qualify for FNB Travel Insurance

FNB Aspire Credit Card
FNB Premier Credit Card
FNB Private Client Credit Card
FNB Private Wealth Credit Card
RMB Private Bank Credit Card
FNB Fusion Gold Card
FNB Fusion Premier Card
FNB Fusion Private Clients Card
FNB Fusion Private Wealth Card
FNB Premier Debit Card
FNB Private Client Debit Card
FNB Private Wealth Debit Card
RMB Private Bank Debit Card
FNB Islamic Premier Debit Card
FNB Islamic Private Clients Debit Card
FNB Islamic Private Wealth Debit Card
FNB Business Platinum Debit Card
FNB Enterprise Debit Card
FNB Islamic Business Platinum Debit Card
FNB Islamic Enterprise Debit Card
FNB Business Private Clients Debit Card
FNB/RMB Private Bank Business Debit Card
FNB Business Gold Credit Card
FNB Business Platinum Credit Card
FNB Business Black Credit Card
FNB Business Lodge Credit Card
FNB Corporate Gold Credit Card
FNB Corporate Platinum Credit Card
FNB Corporate Black Credit Card
FNB Corporate Lodge Credit Card

Advantages of FNB Travel Insurance

The travel insurance is free for FNB and RMB credit card and cheque account holders.
The travel insurance is free for the first 90 days of your journey.
Other nationalities, such as Swati, can also purchase the product.
Accidental death is covered under the plan.
Accidental permanent disablement has the highest cover amount of up to R750,000.00.
The cover is available to individuals up to the age of 74, which is a high age restriction.
Emergency medical and related expenses are covered for up to R5,000,000.00 on international travels.
In-hospital pre-existing conditions are covered by the plan for up to R500,000.00.

Disadvantages of FNB Travel Insurance

The cover is only available to some FNB credit card and cheque account holders.

FNB Travel Insurance Application

Must have a participating FNB credit card.
Purchase your return tickets using your qualifying FNB card.

FNB Travel Insurance is one of South Africa’s most comprehensive travel insurance products. The product is designed to cover not only medical expenses but also in-hospital medical expenses due to pre-existing conditions, as well as accidental death and permanent disability coverage.

The plan also covers death and disability caused by war and terrorism. The plan eliminates the need for travellers to require additional coverage while traveling. However, it is recommended to keep some money aside when traveling to pay for any excess fees required when making a claim.”

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How to get FNB travel insurance

Going for a holiday can be an exciting moment. The last thing you will wish for is something that will stand in your way. Sadly, people have lost their most precious item or time because they lacked information or opportunity that would have saved the day for them. It is in a situation like this that the FNB travel insurance comes to the rescue. Fortunately, the TIC travel insurance FNB on your credit card goes for free, but it is highly recommended that you still go for a little top-up cover in addition to your credit card insurance.

Which insurance company is best for travel insurance?

Trip indemnification is one of the most popular indemnification policies in South Africa and beyond. Many establishments offer it. FNB travel insurance and RMB travel insurance have been serving their numerous customers for a few years. Many people who do not use the FNB are asking the question, “can I get travel insurance through my bank?” Many other banks offer good travel indemnification. Their process is discussed here.

fnb private clients credit card travel insurance

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Does FNB have travel insurance?

Yes, the FNB has travel indemnification. First National Bank helps you cover unexpected troubles on your trip through Comprehensive Global Travel Insurance. With the CGTI, you are insured, no matter the location you find yourself. In fact, you will get free covering from the bank if you use a qualified FNB cheque or credit card to buy your flight tickets (local or international).

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This policy is similar to RMB travel insurance, which is why the RMB private bank card is part of the qualified cards used for getting insured via FNB. Besides, FNB travel indemnification works with TIC (Travel Insurance Consultants) to ensure that travellers from Southern African nations are protected and insured. With the TIC travel insurance, FNB covers both individual and corporate customers for the first 90 days of their journey.

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The policy from First National Bank gets you up to R10 million for medical expenses. However, you can get this travel insurance when booking with credit card certified by First National. Also, you will get up to R2.5 million for personal liability. The Comprehensive Global Travel Insurance from FNB insures you in the event of any of the following:

Accidental loss of baggage
Theft or damage of baggage
Flight delays
Baggage delays
Case of stolen passport or trip documents
Bank card fraud
Cancelled flights
Expenses for evacuation in the case of a Natural disaster
Your visa application rejection
Kidnap or illegal detention
Identity swindle
Any Hazardous activity
In the case of repatriation as a result of the death

How much should you pay for travel insurance?

How do I activate my travel insurance?

Having a credit card handy comes with a lot of benefits. One of them is the trip indemnification that it comes with. Though it is free, the printing on the card itself looks highly professional. The indemnification saves one the embarrassment of cutting your trip short. You are covered when you activate the free insurance on your credit card and buy your air ticket. However, it must be an air ticket departing and returning to South Africa and must be with the credit card.

Check out some of the Best travel insurance companies in South Africa

Importantly, you need to verify from your bank what your credit covers before you activate your trip cover policy. Some of the credit card trip indemnifications cover only medical expenses and medical emergencies. The best forms are trip indemnification for sudden sickness and injury. There are many South Africa credit card providers to consult to ascertain the activation status of your credit card travel insurance before you embark on your journey. They will also guide on the application process of trip indemnification when booking with a credit card.

READ ALSO: All you need to know about severance pay on retirement in South Africa

How do I get FNB travel insurance?

To get your FNB trip indemnification, you need to meet the following requirements.

You must be a South African citizen or be a permanent resident.
You must be between the ages of 18 and 70 years.
You need to have a cheque account or credit card to pay for your proposed trip tickets.

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To apply, you will need to visit any FNB branch with your South African ID book/card or your proof of residence. It must bear your name and not less than three months old.

How do I activate my FNB travel insurance?

Those who want to know how to get travel insurance with FNB can simply call the FNB travel desk on 0861490100, or visit any branch close to them. You can check for FNB travel insurance reviews to make sure it is what you want to do.

Is FNB life insurance good?

First National Bank also offers life indemnification to its customers. This service covers all financial support to the dependents on the customer. All outstanding debts, estate taxes, and children’s education will be insured in a situation where the individual is not around or down with a terminal illness. Therefore, it is safe to say that FNB life indemnification is suitable for South African citizens.

What you need to know about the FICA and RICA

FNB travel insurance contact

For information on how to activate free trip indemnification on your credit card from FNB call them on the telephone line, 0861 490 100. They are open 24 hours a day. Customers calling from outside of South Africa should dial +27 11 371 3711 and then, followed by 087 when it requests for it.

FNB travel insurance has a different process with lots of packages for their subscribers. You can take advantage of this since life is full of eventualities. But then, you should bear in mind that FNB credit card travel insurance is only completed when you contact them after making your journey arrangements.

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Source: Briefly News

Favour Adeaga (Lifestyle writer) Dr. Favour Adeaga is an author, speaker, and coach. He graduated with a degree in Mass Communication from The Polytechnic, Ibadan, Nigeria. He did his internship at The Nation Newspaper and taught diploma students in Newspaper and Magazine courses at the Nasarawa State University, Keffi. He has curated the facts and life hacks category since 2018. Dr Favour is the author of several books available on Amazon. He currently lives in Nigeria. Email: [email protected]

Credit card travel insurance

Are you planning on seeing the world? We look at what travel insurance you can get from your bank.

27 July 2015 · Staff Writer

Emergency medical and associated expenses- this covers the cost of seeing a doctor, being hospitalised, medical evacuation and repatriation. Absa also ensures that approved medical fees are covered should an individual fall ill or have an accident abroad.
Personal accident cover- financial protection against disability and death.
Absa travel assistant- this is a helpline service available 24 hours a day, which provides access to various assistance services, including transmission of urgent messages, legal assistance, embassy referral, emergency travel and accommodation requirements and loss of travel documents.
Emergency and associated expenses – this covers additional emergency medical expenses as a result of illness or injury, medical evacuation, repatriation or transport to medical centre expenses, and emergency medical expenses as a result of any pre-existing medical condition
Personal accident cover- (accidental death and permanent disability)
Trip cancellation or curtailment
Baggage cover (loss/theft of or damage to personal baggage)
Personal money and loss of passport
Travelling inconvenience benefits
Personal liability
Legal expense and advice
Hijack and wrongful detention
Petcare (veterinary costs)
Up to R175,000 for local cover and up to R10 million cover for international medical expenses (depending on the type of card you have),
Personal liability cover of up to R2.5 million,
And cover in the event of personal accidents, cancellations, travel delays and lost, stolen, or damaged baggage.
Up to R1 million in personal accident costs,
Emergency medical and related expenses cover,
As well as assistance services.

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FNB Credit Card Review

Overall, First National Bank can be summarised as a leading financial institution with a rich history that spans over a century. that offers access to Credit Cards , Travel Insurance, and Investment Opportunities plus Multiple Account Types and services for Personal, Business, and Corporate Banking. First National Bank credit cards stand out for their competitive rates, flexible terms, and value-added benefits.

FNB Credit Cards – Analysis of Providers Main Features

☑️ FNB Credit Cards – Overview
☑️ Applying for a FNB Credit Card
☑️ Managing and Using FNB Credit Cards
☑️ The Benefits of FNB Credit Card Options
☑️ FNB Cashback Rewards Program
☑️ FNB Travel Benefits
☑️ FNB Enhanced Security Features
☑️ Access to Exclusive Offers and Discounts
☑️ Tips on Maintaining and Improving Your Credit Score with FNB Credit Cards
☑️ How FNB is Disrupting Traditional Banking Models
☑️ FNB Mobile App Overview and Features
☑️ Importance of Choosing the Right Credit Card
☑️ In Conclusion
☑️ Frequently Asked Questions

Get a credit card with personalised interest rates and much, much more.

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Get the credit card that gives you:.

10% to 75% off flights. Plus, Priority Fast Track so you can skip airport queues.

10% to 25% off accommodation and car hire

Access to The Lounge, our exclusive pre-flight experience with SAA's airport lounges

Up to 75% back on healthy groceries at Pick n Pay or Woolworths
Up to 50% back on HealthyCare items from Clicks or Dis-Chem
Up to 20% back in Ðiscovery Miles on qualifying fuel spend and Uber rides
Up to 30% off when you shop with Ðiscovery Miles on Miles D-Day
Dynamic Interest Rates - where you pay less on your credit

FNB Credit Cards – Analysis of Providers Main Features

FNB Credit Cards – Overview

FNB offers access to a wide range of credit card options, including Aspire, Premier, Private, and, Private Health options.

FNB Aspire Credit Card

The FNB Aspire Credit Card is designed to offer great benefits to its holders. These benefits include free comprehensive global travel insurance and automatic debt protection. The card also offers a higher credit limit, allowing cardholders to manage their finances.

FNB Aspire Credit Card Features and Benefits

The FNB Aspire Credit Card comes packed with the following features and benefits:

✅ Up to 30 days interest -free on card purchases.
✅ The ability to unlock and earn additional eBucks.
✅ Full day-to-day banking transactions.
✅ Unlimited card swipes.
✅ The ability to make purchases with your Virtual card on the App.
✅ Purchase Protect offers cover for items purchased using your FNB Aspire Virtual Credit Card up to R7 500 per claim for 30 days from the date of purchase at no extra cost to you.
✅ Enjoy 2 Slow Lounge visits per year.

Finally, access to unlimited virtual cards at no extra cost – ideal for online shopping with added safety because of its dynamic 3-digit CVV that changes regularly.

FNB Aspire Credit Card Eligibility criteria

✅ An annual income of between R84,000 – R449,000.

FNB Aspire Credit Card Fees and Interest Rates

✅ Monthly fee: R45
✅ Credit facility service fee: R17
✅ Initiation fee (once-off): Up to a maximum of R175
✅ Additional card fee: R17.50
✅ Cash withdrawals: Information not provided in the document
✅ FNB Credit Card purchases: No charge
✅ FNB Credit Card budget purchases: No charge
✅ Fuel transaction fee (FNB Petro Cards only): R6.25

FNB Credit Card customers can obtain a tailored and personalized interest rate for a credit card, meticulously determined based on individual credit profile and financial capability.

This exclusive offering ensures that the interest rate applied to credit cards aligns precisely with each customer’s unique circumstances, providing them with a truly customized and favorable financial solution.

FNB Premier Credit Card

The FNB Premier Credit Card provides instant access to a team of dedicated private bankers ready to assist anytime. The card is personalized to suit the lifestyle and financial needs of the cardholder, enhancing the banking experience.

FNB Premier Credit Card Features and Benefits

The FNB Premier Credit Card comes packed with the following features and Benefits:

✅ Get eBucks Rewards and up to 8 free SLOW Lounge visits per year, plus 12 bonus visits per year, when you book your flights through eBucks Travel.
✅ Pay without using a plastic card. Virtual cards can be used without a physical card for FNB Pay (Tap to Pay and Scan to Pay) and all partner wallet transactions, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, and SwatchPAY!
✅ A customized interest rate with up to 55 days of interest-free financing.
✅ Purchase Protect provides coverage for purchases made with your FNB Premier Virtual Credit Card up to R10,000 per claim for 30 days from the date of purchase at no additional cost.
✅ Free global travel insurance to cover medical expenses incurred while traveling abroad.
✅ Access to a budget facility with repayment terms between 6 and 60 months for purchases exceeding R200.
✅ Pay your unforeseen medical expenses at the prime rate of interest.

and much, MUCH more!!

FNB Premier Credit Card Eligibility criteria

✅ An annual income of between R350,000 – R849,000.

FNB Premier Credit Card Fees and Interest Rates

✅ Access to unlimited FNB Virtual Cards at no extra cost – ideal for online shopping with added safety because its dynamic 3-digit CVV changes regularly.
✅ There is no charge on 1 additional card; after that, R18.50 per card is linked to the account.
✅ Credit card budget purchases at no charge.
✅ Credit facility service fee of R17.
✅ Initiation fee (once-off) up to a maximum of R175.
✅ FNB Premier Credit Card monthly account fee of R82.

FNB Private Clients Credit Card

The FNB Private Clients Credit Card offers exclusive lifestyle benefits and rewards. Cardholders have access to their private banker and can earn rewards through the eBucks Rewards Program. This card caters to FNB’s private clients’ unique needs.

FNB Private Clients Credit Card Features and Benefits

✅ No monthly account fee and facility fee for your FNB Private Clients Credit Card if bundled with your matching FNB Fusion, Single Facility®, or Current Account.
✅ Access specialist lending expertise and services to help you meet your unique financial needs and aspirations.
✅ Interest rates are personalized to you and appear on the FNB Fusion Private Clients Account, Single Facility, and credit card statement.
✅ A credit facility service fee is charged monthly for the routine administration of maintaining your credit facility.
✅ A credit card monthly account fee is charged monthly for the administration and maintenance of your credit card account.

FNB Private Clients Credit Card Eligibility Criteria

✅ An annual income of between R750,000 – R1,799,999.

FNB Private Clients Credit Card Fees and Interest Rates

✅ Credit Facility Service Fee: R171 per month. This fee is charged for the administration and maintenance of your Credit Facility. This fee is included in the FNB Fusion Private Clients and Current Account / Single Facility® monthly account fee.
✅ Initiation Fee (once-off): Up to a maximum of R175.
✅ FNB Private Clients Credit Card Monthly Account Fee: R143 per month. This fee is charged for administering and maintaining your Credit Card account. This fee is included in the FNB Fusion Private Clients and Current Account / Single Facility® monthly account fee.
✅ Additional Card Fees: First 3 cards at no charge. After that, R18.50 per card per month.
✅ eBucks Rewards Membership: No charge.

FNB Credit Card customers can obtain a tailored and personalized interest rate for a credit card, meticulously determined based on the individual credit profile and financial capability. This exclusive offering ensures that the interest rate applied to credit cards aligns precisely with each customer’s unique circumstances, providing them with a truly customized and favorable financial solution.

FNB Private Wealth Credit Card

The FNB Private Wealth Credit Card offers a personalized rate of up to 55 days interest-free. Cardholders enjoy extensive airport lounge access for themselves and their guests. The card also offers unbeatable rewards, enhancing the value proposition for FNB’s wealthier clients.

FNB Private Wealth Credit Card Features and Benefits

The FNB Private Wealth Credit Card comes packed with the following features and benefits:

✅ The FNB Private Wealth Credit Card is the ideal transactional banking instrument, providing lifestyle-tailored benefits and a competitive personal interest rate.
✅ Access to a dedicated Private Advisor, Private Analyst, and a team of specialists who collaborate with you and your family to help you realize your future goals and create a legacy.
✅ The singular account fee includes an FNB Money Maximiser account, a Local/Global trader account, a Non-Juristic Trading account, a Global account, and eBucks.
✅ The FNB Fusion Private Wealth Account or FNB Private Wealth Credit Card offers an exclusive metal card.
✅ The FNB Fusion account gives you and your family access to credit for a single monthly account fee.
✅ The FNB Fusion account simplifies your banking and provides a line of credit to help you manage unexpected expenses.
✅ Up to 30 days without interest on purchases.
✅ FNB also offers an FNB Islamic Private Wealth Current Account with comparable value-added features, reward perks, and pricing to the FNB Private Wealth Current Account. With Islamic Banking, your Islamic Savings Account comes with a competitive monthly profit share.

and much, MUCH more!

FNB Private Wealth Credit Card Eligibility Criteria

✅ Annual income of R1,800,000>.

FNB Private Wealth Credit Card Fees and Interest Rates

✅ Credit facility service fee: R1722 (charged monthly for the administration and maintenance of your Credit Facility. This fee is included in the FNB Fusion Private Wealth and Current Account/Single Facility® monthly account fee).
✅ Initiation fee (once-off): Up to a maximum of R175.
✅ FNB Private Wealth Credit Card monthly account fee: R258.
✅ Additional card fees: First 5 cards are free; after that, R18.50 per monthly card.
✅ Linked Petro Card (per card linked to the account): R29.50.
✅ eBucks rewards membership: No charge.
✅ Card delivery fee: No charge for courier delivery 8 am or 5 pm), R260 for urgent delivery, no charge for branch delivery, R730 for international delivery, and R150 for scheduled delivery.
✅ Card replacement fees: R125 for FNB Private Wealth Debit Card/FNB Fusion Private Wealth Card, R110 for temporary card replacement, and R125 for FNB Petrol Card.

FNB Petro Credit Card

The FNB Petro Credit Card is designed for those who frequently travel by road. As an FNB Petro Card holder, you will get free automatic AA Emergency Roadside Assistance, ensuring you’re never stranded. This card offers a unique blend of benefits tailored to meet the needs of motorists.

FNB Petro Credit Card Features and Benefits

The FNB Petro Credit Card comes packed with the following features and benefits:

✅ The FNB Standalone Petro Card caters to your vehicle fuel, maintenance, and toll expenditures, providing you with the assistance you need when you need it.
✅ The monthly account fee includes the credit facility, service charge, and credit card account fee.
✅ Obtain access to a credit facility account and a transactional account linked to a single Petro card, granting you unmatched convenience and versatility.
✅ Cost-free subscription to inContact. This implies that FNB will send you an SMS whenever your account receives or expends more than R100.
✅ Free FNB Mobile Banking, Internet Banking, Telephone Banking, and the FNB App subscription.
✅ Balance inquiries through FNB Mobile Banking, Online Banking, Telephone Banking, and the FNB App.
✅ PIN replacement.
✅ Monthly payments are made automatically, providing the convenience of having your account paid on time.
✅ Make secure purchases with your chip-and-PIN Petro card.
✅ Simple, intelligent, and convenient contactless payments – Simply waiving your card before a contactless-enabled Point-of-Sale (POS) terminal enables you to make quick and secure payments for low-dollar purchases.

FNB Petro Credit Card Eligibility criteria

✅ A minimum annual income of R80,000.

FNB Petro Credit Card Fees and Interest Rates

✅ Credit facility service fee: R17 per month
✅ Monthly account fee: R44
✅ Additional card fee: R20
✅ Credit card budget purchases: No charge
✅ Fuel transaction fee: R6.25
✅ Voucher retrieval request: R105 for local, R295 for international
✅ Declined transaction fees: R8
✅ Card replacement fee (per card): R150
✅ International card delivery: R760
✅ Courier Delivery: No charge
✅ Urgent delivery: R265
✅ Branch Delivery: No charge
✅ Schedule delivery: R160 (Scheduled delivery will be free if KYC documentation needs to be collected.)

FNB Credit Card customers can obtain a tailored and personalized interest rate for a credit card, meticulously determined based on individual credit profile and financial capability. This exclusive offering ensures that the interest rate applied to credit cards aligns precisely with each customer’s unique circumstances, providing them with a truly customized and favorable financial solution.

Applying for a FNB Credit Card

The straightforward application procedure for an FNB credit card can be initiated online, over the phone, or in person at an FNB branch . The bank offers a variety of credit cards, each of which is tailored to various lifestyles and financial needs.

Consequently, it is essential to compare the features and benefits of each card to determine which one meets your requirements the best.

✅ Eligibility requirements:

Depending on the type of credit card, specific eligibility requirements may vary. Still, applicants must generally be at least 18, possess a valid South African identification card, and verify income. Furthermore, approval is contingent upon credit reviews and other bank policies.

✅ Application process:

You must provide your name, contact information, employment history, and financial information during the application procedure. This information is utilized to determine your creditworthiness and credit limit.

✅ Required documents:

Typically, the following are required for a credit card application:

✅ A certified South African identification document
✅ Documentation of residency, such as a utility receipt
✅ Evidence of earnings, such as recent pay stubs or bank statements

✅ Approval and credit limit considerations:

The approval of a FNB credit card is contingent upon a credit check. The bank will assess your ability to repay the credit card balance based on your credit history, income, and other financial information.

Your credit limit will be determined by several factors, including your income, credit history, and the type of credit card you apply for.

Managing and Using FNB Credit Cards

✅ Card activation and PIN setup

Activating your FNB credit card is a straightforward procedure that can be completed online, by phone, or at a FNB ATM. You will be prompted to create a Personal Identification Number (PIN) for your card during activation.

Certain transactions, such as cash withdrawals at ATMs and purchases at point-of-sale (POS) terminals, will require this PIN.

✅ Understanding the credit limit and available credit

The credit limit on your FNB credit card represents the maximum quantity you can charge. This limit is based on your creditworthiness as of the application date.

It is essential to comprehend that your available credit equals your credit limit minus any outstanding balance. Using the FNB online banking portal or mobile app, you can verify your credit limit and available credit anytime.

✅ Making payments and due dates

You can make payments on your FNB credit card through multiple channels, including online banking, mobile banking, and FNB branches .

To avoid late fees and maintain a decent credit history, making at least the minimum payment by the due date each month is crucial. If submitted before 5 p.m. Central Time, payments will be posted to your account the same day.

✅ Managing card transactions and statements

FNB provides an intuitive online platform for managing your card transactions and statements. You can access your transaction history, balance, and periodic statements. This makes it simple to monitor expenses and manage your account.

✅ Reward redemption options

FNB credit cards feature a rewards program that allows cardholders to receive points for every dollar spent on eligible purchases.

These points are redeemable for cash back, gift vouchers, travel rewards, and more. The precise redemption options may differ based on the type of card and the available rewards.

The Benefits of FNB Credit Card Options

Below are some of the benefits offered by FNB’s Credit Cards :

✅ Versatile Credit Limits: FNB presents a diverse range of credit cards, each tailored to accommodate various income levels and spending habits. This adaptability empowers customers to select the card that perfectly aligns with their unique financial circumstances.
✅ Rewards Program: FNB credit cardholders can take advantage of the bank’s comprehensive rewards program, eBucks. By making qualifying purchases, customers accumulate eBucks, which can later be redeemed for various goods and services.
✅ Interest-Free Grace Period: FNB extends an interest-free grace period on purchases, given that the outstanding balance is paid in full before the monthly due date. This valuable feature facilitates effective monetary management for customers.
✅ Enhanced Security Measures: FNB credit cards incorporate advanced features such as chip and PIN technology and 3D Secure for online transactions. These robust safeguards grant customers peace of mind during their payment activities.
✅ Global Acceptance: FNB credit cards, operating within the Visa and Mastercard networks, enjoy widespread acceptance at millions of locations worldwide. This exceptional global reach makes FNB credit cards an excellent choice for international travelers.
✅ Convenient Online and Mobile Banking: FNB delivers robust online and mobile banking platforms, empowering credit cardholders to effortlessly oversee their accounts, make payments, and review transactions at their convenience, anytime and anywhere.
✅ Budget-friendly Facility: FNB credit cardholders gain access to a budget-friendly facility, enabling them to make significant purchases and gradually pay them off over a predetermined period. This feature simplifies the management of larger expenses.
✅ Complimentary Perks: Depending on the specific card type, FNB provides additional benefits such as complimentary access to airport lounges, travel insurance coverage, and personalized concierge services.

FNB Cashback Rewards Program

The FNB Cashback Rewards Program offered by First National Bank (FNB) is a key feature of their credit card offerings. Designed to reward customers for their everyday spending, this program, often called the eBucks Rewards Program, is a multi-faceted system that provides real value to FNB’s credit cardholders.

✅ How the FNB cashback rewards program works:

The eBucks Rewards Program works on a simple principle: the more you use your FNB credit card, the more you earn.

A certain percentage is returned to the cardholder as eBucks for every qualifying purchase made using the card. These eBucks can then be redeemed for a wide range of goods and services, giving cardholders a ‘cashback’ on their spending.

✅ FNB Cashback Rewards Eligibility and Earning Potential:

Eligibility for the eBucks Rewards Program is straightforward. All FNB credit cardholders are automatically enrolled in the program. However, to start earning eBucks, cardholders must first meet certain qualifying criteria. This typically involves using your FNB credit card for a certain number of transactions or reaching a specific spending threshold each month.

Understanding how to earn and maximize your eBucks is crucial to getting the most out of the program. Earning potential is determined by a tiered system, which is based on the cardholder’s level of engagement with FNB’s products and services.

The more products and services you use, the higher your rewards level and the more eBucks you can earn. This tiered system encourages customers to consolidate their banking and financial services with FNB, increasing their earning potential.

Moreover, FNB often runs promotions and exclusive offers that allow cardholders to earn extra eBucks or discounts when they spend their eBucks at certain retailers. This not only enhances the value of the rewards but also provides an incentive for cardholders to use their FNB credit card more frequently.

✅ eBucks: The primary earning from the program is eBucks, which are reward points that can be redeemed for a wide range of goods and services.
✅ Discounts on Fuel: You can use your eBucks to get discounts on fuel at participating service stations.
✅ Grocery Savings: eBucks can be redeemed for grocery discounts at selected retailers.
✅ Travel Rewards: eBucks can be used to book flights, car rentals, and hotel stays, often at discounted rates.
✅ Electronics and Appliances: You can use your eBucks to purchase electronics and appliances from selected retailers.
✅ Lifestyle Experiences: eBucks can be redeemed for various lifestyle experiences, such as dining, spa treatments, and entertainment.
✅ Online Shopping: eBucks can be used online at various e-commerce platforms.

Finally, you can donate your eBucks to a charity of your choice.

FNB Travel Benefits

FNB does not provide extensive travel benefits but offers travel insurance to clients. Clients can experience worry-free journeys across the globe with FNB’s exceptional Global Travel Insurance and FNB’s travel deals.

✅ FNB Travel Insurance:

As an FNB Debit, Fusion, or Credit Card holder below the age of 75 and a resident of South Africa, Lesotho, Namibia, or Swaziland, you are eligible to receive free Global Travel Insurance when you use your qualifying FNB card to purchase international return travel tickets. Furthermore, FNB offers specialized insurance options to customers 75 and older, tailored to their unique needs.

Below are a few benefits of FNB’s travel insurance:

✅ Emergency Medical & Related Expenses:

✅ Coverage up to R5,000,000 for international emergencies.
✅ No excess for in-patient expenses, ensuring peace of mind during hospitalization.
✅ Out-patient expenses are covered with a minimal excess of R2,000.
✅ All necessary medical transportation, repatriation, and evacuation expenses are included.
✅ Compassionate emergency visits, repatriation of children, and travel companion services provided.
✅ Comprehensive coverage for burial, cremation, or the return of mortal remains.
✅ Daily hospital cash benefit of up to R3,000, assisting with unexpected hospital costs.
✅ Dental cover up to R2,000, with a minimal excess of R350.
✅ Quarantine expenses covered up to R30,000, offering financial support during unexpected situations.

✅ Pre-existing Emergency Medical Expenses (Up to age 70 years):

✅ Extensive coverage of up to R500,000 for pre-existing in-hospital medical expenses.
✅ All medical transportation, repatriation, and evacuation expenses are covered.
✅ Compassionate emergency visits, repatriation of children, and travel companion services included.

✅ Accidental Death & Permanent Disablement:

✅ Coverage of R250,000 for accidental death, ensuring financial security for loved ones.
✅ Coverage of R750,000 for accidental permanent disablement, providing support during unforeseen circumstances.
✅ Complete coverage for accidental death and permanent disablement due to war and terrorism.

✅ Emergency Assistance Services:

✅ Comprehensive emergency assistance services are provided for covered events, ensuring support during unforeseen situations.

✅ Enjoy Worldwide Coverage:

✅ FNB Global Travel Insurance offers worldwide coverage (excluding the USA) for travel durations ranging from 1 to 90 days. Wherever your adventures take you, FNB has you covered.

✅ FNB Travel Deals:

Furthermore, FNB credit cards open the door to exclusive travel benefits and offers. These coveted perks encompass enticing discounts on airfares, luxurious hotel accommodations, convenient car rentals, and even enticing vacation packages.

Moreover, select FNB credit cards extend the luxury of complimentary access to airport lounges, elevating the travel experience by providing a serene and comfortable environment for relaxation and rejuvenation.

FNB Enhanced Security Features

Security is paramount for all credit card consumers in the digital age. First National Bank (FNB) is aware of this and has implemented enhanced security measures to safeguard its credit cardholders against fraud and unauthorized transactions.

In addition to providing a secure transaction environment, these features give cardholders peace of mind when using their FNB credit cards .

✅ Chip and PIN Technology

Chip and PIN technology is one of the most essential security elements of FNB credit cards. This technology substitutes an embedded microchip for the traditional magnetic stripe on the rear of the card. The chip is encrypted, and counterfeiting it is extremely difficult.

The cardholder must submit a Personal Identification Number (PIN) to verify their identity during a transaction. This two-factor authentication process – something you have (the card) and something you know (the PIN) – reduces the risk of fraud by a significant margin.

✅ 3D Secure for Online Purchases

Additionally, FNB offers 3D Secure for online purchases. This is an additional layer of security for credit and debit card transactions conducted online. The cardholder is prompted to input a One-time PIN (OTP) or password to authenticate the transaction when purchasing online from a 3D Secure merchant.

This OTP is sent to the cardholder’s registered mobile number to ensure that only the authorized cardholder can complete the transaction.

✅ Fraud Detection and Alerts

FNB has comprehensive systems to monitor your credit card for unusual activity. If the system detects an out-of-the-ordinary transaction, it will identify it as potentially fraudulent. The bank might then temporarily restrict the card and contact the cardholder to confirm the transaction.

FNB also provides real-time notifications for all credit card transactions. These alerts, which can be sent via SMS or email, enable cardholders to track their spending and promptly identify unauthorized transactions.

✅ Online and Mobile Banking Security

The online and mobile banking platforms of FNB utilize the most advanced encryption technology to safeguard sensitive data. Cardholders can view their account information, make payments, and conduct other banking transactions without fear of intercepting their data.

In addition, FNB offers additional security features for mobile banking, such as biometrics and facial recognition, to ensure that only you can access your account.

✅ Card Replacement Service

The bank provides a prompt card replacement service if a FNB credit card is lost or stolen. The lost or stolen card is promptly deactivated to prevent unauthorized use, and the cardholder receives a replacement card.

Access to Exclusive Offers and Discounts

First National Bank (FNB) provides its credit cardholders with many exclusive offers and discounts in addition to conventional banking services. These benefits are a part of FNB’s strategy to improve the customer experience and bring value to their credit card products. They range from discounts on shopping and dining to travel offers and leisure experiences.

✅ Shopping Discounts:

FNB credit cardholders are frequently eligible for exclusive purchasing discounts at various retail partners. These can include discounts on apparel, electronics, and other products. By making these purchases with their FNB credit card, cardholders can save money and maximize their expenditures.

✅ Dining Offers:

FNB also collaborates with various restaurants and dining establishments to offer its credit cardholders exclusive deals. These can include discounts on meals, complimentary dishes, and holiday-specific promotions.

✅ Travel Deals:

FNB credit cards can provide access to exclusive travel offers for avid travelers. These may include airfare discounts, hotel accommodations, car rentals, and vacation packages.

Some FNB credit cards also provide complimentary access to airport lounges, making travel more comfortable and relaxing.

✅ Lifestyle Experiences:

FNB recognizes that its clients have diverse hobbies and interests. Consequently, they provide a variety of lifestyle experiences for their credit cardholders only. These can include discounted concert, theatre, and sporting event tickets and access to unique events and experiences.

✅ eBucks Rewards Program:

The eBucks Rewards Program is another way for FNB credit cardholders to access exclusive offers and discounts. Cardholders can receive discounts on various products and services, from fuel and groceries to travel and electronics, by accumulating and spending eBucks.

✅ Partner Offers:

FNB frequently collaborates with various business partners to offer credit cardholders exclusive promotions. These can range from telecommunications companies offering discounted data plans to insurance companies offering discounted rates to FNB customers.

Access to Exclusive Offers and Discounts

Tips on Maintaining and Improving Your Credit Score with FNB Credit Cards

Maintaining and improving your credit score is essential for your financial well-being. Here are some tips on what to do and what to avoid when using your FNB credit cards to help maintain and improve your credit score:

To Maintain and Improve your credit score with FNB Credit Cards you should:

✅ Make timely payments: Ensure you pay your credit card bills on time to avoid late fees and negative impacts on your credit score. Consider setting up automatic payments or reminders to help you stay on track.
✅ Maintain a low credit utilization ratio: Aim to keep your credit utilization ratio, which compares the amount of credit you use to your total available credit, as low as possible. You should not use more than 30% of your available credit to demonstrate responsible credit usage.
✅ Regularly monitor your credit: Stay informed about your credit status by checking your credit reports and scores. This will help you identify any errors or potentially fraudulent activity. FNB offers credit monitoring services that can assist you in staying updated on changes in your credit profile.
✅ Use credit responsibly: Only charge what you can afford to repay and avoid maxing out your credit cards. Use your credit cards for necessary expenses and emergencies rather than excessive or impulsive spending.

Finally, Maintain a long credit history. The length of your credit history can positively impact your credit score. Consider keeping older credit card accounts open to demonstrate a longer credit history, even if you do not use them frequently.

To Maintain and Improve your credit score with FNB Credit Cards you shouldn’t:

✅ Avoid missing payments: Late or missed payments can significantly harm your credit score. Make every effort to pay at least the minimum amount due on time each month.
✅ Steer clear of excessive credit applications: Applying for multiple credit cards or loans within a brief period can harm your credit score. Only apply for credit when necessary and space out your applications.
✅ Do not close old credit card accounts: Closing old ones can shorten your credit history and potentially increase your credit utilization ratio. Unless these accounts come with high fees or a specific reason to close them, you should keep them open.
✅ Refrain from maxing out your credit cards: Maxing out your credit cards or carrying high balances can negatively affect your credit score. Aim to keep your balances low and strive to pay off your credit card bills in full whenever possible.

Finally, Do not ignore credit issues. If you encounter financial difficulties, contacting your creditors or FNB as soon as possible is important to discuss potential solutions. Ignoring credit issues can lead to further damage to your credit score.

Tips on Maintaining and Improving Your Credit Score with FNB Credit Cards

How FNB is Disrupting Traditional Banking Models

FNB , or First National Bank , is one of the largest financial institutions in South Africa. It has been at the forefront of disrupting traditional banking models in several ways:

✅ Digital Banking: FNB was one of the first banks in South Africa to offer a comprehensive suite of online banking services. This includes basic services like checking account balances and transferring funds and more advanced features like applying for loans, managing investments, and even buying and selling homes.
✅ Mobile Banking: FNB has also been a leader in mobile banking. Its app allows customers to do everything they can online but from their mobile devices. This includes unique features like geo-payments, allowing users to pay for goods and services based on location.
✅ Innovative Products and Services: FNB has been known to launch innovative products and services that challenge traditional banking models. For example, it launched eBucks, a rewards program that gives customers points for using FNB’s services, which can be redeemed for a wide range of goods and services.
✅ Financial Inclusion: FNB has tried bringing banking services to underserved communities. This includes offering accounts with low fees, providing financial education, and even launching a mobile bank branch that can travel to remote areas.
✅ Use of AI and Data Analytics: FNB uses artificial intelligence and data analytics to improve its services. This includes using machine learning algorithms to detect fraudulent transactions and analyzing customer data to offer personalized financial advice.

These are just a few examples of how FNB disrupts traditional banking models. The bank’s focus on digital innovation, customer-centric products, and financial inclusion has set it apart in the banking industry.

How FNB is Disrupting Traditional Banking Models

FNB Mobile App Overview and Features

Banking on the FNB Mobile App offers a fast, easy, and convenient way to manage your finances from the comfort of your home or on the go. With a wide range of features and services, you can access everything you need right at your fingertips.

✅ Accounts + Balances:

Stay informed about your finances with ease. The app allows you to view the balances of all your linked accounts, including day-to-day accounts, investments, loans, and rewards. Additionally, you can track the movement of your money by accessing your transaction history.

✅ Transfers and Payments:

Effortlessly move your funds between accounts in just a few simple steps. The app provides a seamless transfer experience, allowing you to select the relevant accounts, enter the desired amount, and include a reference for your records. You can also review your transfer history to keep track of your transactions.

✅ Payments and eWallets:

Make payments conveniently and securely through the app. Whether it is a one-time payment or a recurring bill, you have multiple options available. You can pay beneficiaries, create, and manage payment beneficiaries, make public payments to entities like SARS or Eskom, and even use FNB Pay for contactless payments. The app also enables global forex payments, eWallet transfers, and payment scheduling for added flexibility.

Send money instantly to anyone in South Africa, Zimbabwe, Mozambique, Lesotho, or Swaziland using only their cellphone number. The app’s eWallet feature provides a convenient way to transfer funds, and it also offers cardless cash withdrawals, allowing you to access cash quickly when needed.

✅ Global Payments:

Effortlessly make international payments and receive foreign currency. The app supports global payments, ensuring secure and convenient transactions. Furthermore, you can earn eBucks on transaction fees when sending or receiving foreign currency.

Additionally, GEO payments allow you to send or receive money to individuals nearby with the FNB Banking App.

✅ Manage Your Account:

Take control of your accounts with the app’s account management features. You can easily manage your cards, including ordering new cards, canceling them, updating limits, and viewing PINs.

Debit orders and cheques can be managed effectively, with options to view and stop debit orders and stop cheques. Account settings allow you to customize your experience, such as receiving email statements and changing account nicknames.

Importance of Choosing the Right Credit Card

Choosing the right credit card is of utmost importance when managing your finances effectively and maximizing the benefits of credit card usage.

✅ Financial Health:

A credit card should be compatible with your financial goals and lifestyle. Determine the most advantageous credit card features based on your spending patterns, repayment capabilities, and financial priorities by analyzing your spending habits, repayment abilities, and financial priorities.

If you frequently travel, for instance, a credit card with travel rewards and airline perks would be preferable to one with cashback benefits.

✅ Rewards and Benefits:

Credit cards have various rewards programs and perks that can significantly improve your financial experience. Consider credit cards with rewards and perks corresponding to your preferences and spending habits.

Choose a card that offers the most value to you, whether it is cashback on specific categories, discounts at partner merchants, or travel perks such as lounge access and travel insurance.

✅ Interest Rates and Fees:

Understanding the interest rates and fees associated with a credit card is essential for avoiding unnecessary expenses.

Compare various credit cards’ annual percentage rates (APR), balance transfer fees, foreign transaction fees, and late payment fees. Choose a card with competitive interest rates and low fees to reduce the total cost of credit.

✅ Credit Score Impact:

Your credit card usage significantly impacts establishing and maintaining a good credit score. Creditworthiness can be improved through on-time payments, responsible credit utilization, and a positive repayment history.

Choose a credit card that reports your payment history to credit bureaus and provides tools for monitoring and enhancing your credit score.

✅ Customer Service and Support:

Access to dependable customer service and support is essential for a successful credit card transaction.

Consider the credit card issuer’s standing and the quality of its customer service. Consider options such as around-the-clock customer service, online account management tools, and proactive fraud protection to ensure prompt assistance.

✅ Financial Flexibility:

The appropriate credit card should allow you to manage your finances effectively. Consider grace periods without interest, installment payment options, and flexible credit limits.

These features can assist you in optimizing your cash flow, controlling your expenses, and avoiding unnecessary interest fees.

✅ Security Measures:

Credit card security is of paramount importance in the digital age. Ensure the credit card issuer employs stringent security measures to safeguard your personal and financial data.

EMV chip technology, two-factor authentication, and fraud monitoring systems can provide peace of mind and safeguard against unauthorized transactions.

Importance of Choosing the Right Credit Card

In Conclusion

FNB is a leading financial institution with a rich history that spans over a century. As one of the largest banks in South Africa, FNB has consistently been at the forefront of innovation, offering a diverse range of financial products and services tailored to meet the evolving needs of its customers.

Among these offerings, FNB’s credit cards stand out for their competitive rates, flexible terms, and value-added benefits. This review will delve into the specifics of FNB’s credit card offerings, providing an in-depth analysis of their features, benefits, and suitability for different financial needs.w

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Frequently Asked Questions

Does fnb offer a credit card.

Yes, FNB offers a variety of credit cards suited to its customers’ diverse requirements and financial situations.

Which FNB Credit Card or Suit is the best?

The “best” FNB credit card would hinge on a person’s financial situation, spending habits, and preferences. FNB offers an Aspire, Premier, Private Client, Private Wealth, and Petro Credit Card, each with unique features and benefits.

What bank is an FNB Credit Card?

An FNB credit card is a payment card issued by First National Bank (FNB), one of the largest financial institutions in South Africa. Like other credit cards, cardholders can borrow funds from the bank up to a certain limit to pay for goods or services.

How long does FNB take to approve a credit card?

FNB’s approval time for credit cards can differ but typically takes a few business days after all required documentation is submitted.

What makes FNB different from traditional banks?

FNB distinguishes itself from conventional banks by emphasizing digital innovation, customer-centric products, and financial inclusion.

Can anyone join FNB, or is it exclusive to FNB Limited members?

FNB is accessible to anyone fulfilling the account opening requirements; membership is not restricted to FNB Limited members.

What security measures are in place to protect customer data?

Encryption, secure login procedures, and fraud detection systems are in place to safeguard customer data at FNB.

How does FNB leverage technology to enhance the banking experience?

Through its comprehensive online and mobile banking platforms, AI and data analytics, and innovative digital products and services, FNB leverages technology to enhance the banking experience.

Are there any fees associated with using FNB’s services?

Yes, fees are associated with utilizing FNB’s services, including monthly account fees, initiation fees, withdrawal fees, etc.

What kind of shared-value partnerships does FNB offer?

FNB offers shared-value partnerships through its eBucks rewards program, which enables customers to earn redeemable points for various goods and services by using FNB’s services.

How can FNB influence the banking industry as a whole?

FNB’s innovative products and services, digital-first strategy, and commitment to financial inclusion can influence the entire banking industry.

How do I qualify for a FNB Credit Card?

To be eligible for a FNB Credit Card, you must typically meet certain income requirements, have a solid credit history, and be a South African resident.

What are the fees associated with FNB Credit Cards?

Depending on the specific card, the fees associated with FNB Credit Cards may include an annual fee, interest charges, and transaction fees.

Can I use my FNB Credit Card internationally?

Yes, you can use your FNB Credit Card abroad; however, foreign transaction fees may apply.

How can I track my credit card transactions?

You can monitor your credit card transactions through FNB’s online and mobile banking platforms.

Can I set spending limits or block certain transactions on my card?

Yes, FNB’s online and mobile banking platforms permit you to set spending limits and block specific card transactions.

What happens if my card is lost or stolen?

If your card is lost or stolen, you must contact FNB promptly to report the loss and block the card.

How can I earn and redeem cashback rewards?

You can earn and redeem cashback rewards through FNB’s eBucks rewards program, which awards points for using FNB services.

Other Resources

Table of Contents

Get a Credit Card with personalised interest rates and much more.

Privacy Overview

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Digital Financial Education

FNB Credit Card: Essential Features and Benefits Explained

So, picture this – you’re out there living your best life, swiping your FNB credit card left and right, and suddenly, BAM! You’re hit with some pretty sweet instant savings and free perks. It’s like the bank is giving you a little virtual high-five every time you make a purchase. How cool is that?

But wait, there’s more! When you sign up for an FNB credit card, you’re automatically enrolled in this nifty little thing called the eBucks rewards programme. Basically, the more you spend, the more rewards and discounts you rack up. We’re talking up to 60% off, just for using your card! It’s like the gift that keeps on giving.

Now, I know what you’re thinking – “That’s great and all, but what if I have specific needs or a certain lifestyle?” Well, my friend, FNB has got you covered. They’ve got this whole range of credit cards tailored to different income levels and preferences.

Take the Aspire Credit Card, for example. This bad boy comes with some serious perks, like automatic debt protection (because let’s face it, life happens), free global travel insurance (for all your jet-setting adventures), and super competitive interest rates for those unexpected medical expenses that always seem to pop up at the worst times.

And if you’re feeling a little fancy, there’s the Private Clients Credit Card. This is like the VIP section of the credit card world. You’ll get hooked up with exclusive lifestyle benefits, your very own personal private banker (because why not?), and access to the eBucks lifestyle desk, which is basically like having a concierge for your credit card needs.

At the end of the day, FNB credit cards are like the Swiss Army knife of the financial world. They’ve got something for everyone, whether you’re looking to save some cash, get rewarded for your spending, or just feel a little extra special. It’s all about finding the card that fits your vibe and lets you live your best life without breaking the bank.

So, if you’re ready to step up your credit card game, give FNB a look. With all these perks and benefits, you might just find yourself wondering how you ever lived without one!

Overview of FNB Credit Cards

Types of fnb credit cards.

FNB offers a variety of credit card options to cater to the diverse needs of its customers. These include the following:

Aspire Credit Card : Designed for individuals seeking great benefits; this card has features such as free comprehensive global travel insurance and automatic debt protection.
Premier Credit Card : Targeted at higher income earners, the Premier card offers enhanced rewards and services.
Private Clients Credit Card : Aimed at affluent customers, this card offers exclusive banking services, preferential pricing, and a dedicated team of financial experts.
Private Wealth Credit Card : Tailored for ultra-wealthy clients, this card provides top-of-the-line benefits, prestigious experiences, and personalised services.

Key Features and Benefits

Aspire Credit Card : Some of its features include:

High credit limits : Aspire cardholders can enjoy higher credit limits to support their lifestyle.
Global Travel Insurance : Aspire Credit Cardholders receive free comprehensive global travel insurance when using the card to book their trips.
Automatic Debt Protection : In case of death or disability, this feature offers peace of mind by relieving the cardholder’s family of any outstanding debt.

Premier, Private Clients, and Private Wealth Credit Cards : These cards come with additional benefits such as:

Lounge Access : Complimentary access to premium airport lounges across the world.
Easier Financing : Lower interest rates when purchasing through FNB credit card deals in-store.
Higher Rewards : Prime + 2% or prime* interest rate for eligible purchases.
Trade-in Options : Trade-in your purchases after 12 or 24 months for up to 40% of the value.

eBucks Rewards Programme

All FNB credit cardholders are automatically enrolled in the eBucks rewards programme. This programme aims to reward customers for their spending with FNB credit cards by offering up to 60% in discounts and cashback. The programme allows cardholders to earn eBucks points on select credit card purchases. These points can be redeemed for various products, travel vouchers, and more. The higher the credit card tier, the greater the rewards and benefits available.

Eligibility and Application Process

Qualifying criteria.

To be eligible for an FNB credit card, applicants must meet specific criteria based on their chosen card type. The minimum requirement is an annual income of R84,000. Below are the income brackets for different FNB credit card categories:

Aspire : Annual income between R84,000 – R449,999.
Premier : Annual income between R350 ,000 – R849,999.
Private Clients : Annual income between R750,000 – R1,799,999.
Private Wealth : Annual income of R1,800,000 or more.

Documents Required

Applicants must provide the following documents to support their FNB credit card application:

Copy of their payslip (to verify income).
Bank statements from the past three months.
Proof of residence (e.g. a utility bill or lease agreement).

Application Steps

Here is a brief outline of the steps involved in the FNB credit card application process :

Check Eligibility : Visit the FNB website and select the preferred credit card. Click on ‘Check Eligibility’ to see if the applicant meets the requirements for the chosen card.
Provide Personal Details : If eligible, enter personal information such as name, email address, date of birth, and proof of residence.
Submit Documents : Upload the required documents (payslip, bank statements, and proof of residence) to complete the application.
Wait for Approval : If the application is successful, FNB will send the credit card to the applicant. Alternatively, applicants can opt to apply for a credit card in-store at an FNB branch.

By following these steps and meeting the qualifying criteria , applicants can successfully apply for an FNB credit card tailored to their financial needs and lifestyle.

Interest Rates and Fees

Understanding interest rates.

Interest rates for FNB credit cards can vary depending on the card and the individual’s qualifications. Personalised interest rates are offered, tailored to the cardholder’s financial profile. These rates affect the overall cost of borrowing on a credit card and are crucial to responsibly managing one’s cash flow .

The budget facility of certain FNB credit cards allows cardholders to finance selected expenses at reduced interest rates. For example, the FNB Gold Credit Card offers a budget facility for medical expenses with a reduced % interest rate of 10.25%*. This feature aims to help cardholders better manage their cash flow, particularly when facing unexpected expenses.

Fees and Pricing Structure

FNB credit cards come with various fees depending on the card type. For instance, the FNB Aspire Credit Card has the following fee structure :

Monthly fee: R45
Credit facility service fee: R17
Initiation fee (once-off): Up to a maximum of R175
Additional card fee: R17.50
Credit card purchases: No charge
Budget purchases: No charge

Potential cardholders need to familiarize themselves with the fees and pricing structure of the credit card they’re considering. FNB releases yearly pricing guides detailing the rates and fees for their banking services. These guides help clients decide which card best suits their financial needs and preferences.

Insurance and Protection

Global travel insurance.

FNB offers its credit card holders Global Travel Insurance , providing comprehensive coverage during international travel. By using a qualifying FNB card to purchase an international return travel ticket, customers can enjoy free Global Travel Insurance .

This insurance policy covers various unforeseen emergencies, ensuring peace of mind for the traveller. Key benefits of the policy include coverage for medical expenses, accidental death, and total permanent disablement while travelling abroad. Moreover, policyholders can access a 24/7 emergency assistance helpline, so help is just a phone call away.

Debt Protection Policies

Apart from travel insurance, FNB credit card holders can benefit from two types of Debt Protection Policies : Embedded Cover and Top-up Debt Protection Plan . These policies are designed to provide financial security in unforeseen circumstances, such as death, permanent disability, or loss of income.

Embedded Cover : Qualifying credit card holders (FNB Petro Card, Classic, Gold, and Premier) receive a free embedded cover. This cover ranges from R1,000 to R12,000, depending on the card type. In case of death or permanent disability, this policy ensures that a portion of the cardholder’s debt is taken care of, alleviating financial stress on their families.

Top-up Debt Protection Plan : To further secure their financial obligations, credit card holders can opt for the Top-up Debt Protection Plan. This plan covers the full outstanding balance on the credit card in case of death or permanent disability. In addition, it provides coverage for minimum FNB credit card instalments for up to 12 months in the event of temporary disability or unemployment.

By offering these insurance and protection solutions, FNB ensures that its credit card holders are well-prepared for unforeseen events, whether during international travel or in the face of life-changing emergencies at home.

Additional Benefits and Services

Banking convenience.

FNB credit cards offer several convenient banking features to their cardholders. With the FNB online banking platform and mobile banking app, users can easily manage their credit card accounts, track transactions , and make payments. FNB also offers cardholders access to the eBucks rewards program, where they can earn points on credit card purchases, which can be exchanged for various rewards.

FNB credit cards have contactless payment technology , allowing users to make quick and secure payments at participating merchants. Furthermore, virtual cards can be generated, enabling cardholders to make online transactions without using their physical cards, thus enhancing security.

Exclusive Partner Offers

In addition to the banking convenience provided, FNB credit cards also grant cardholders access to exclusive offers and benefits from selected partners. These offers, which are tailored according to the specific credit card type, include perks such as:

Complimentary access to airport lounges
Travel insurance coverage
Personalised concierge services

Credit Card Security Features

FNB takes credit card security seriously and provides several features to protect cardholders. Among these features are:

Automatic Debt Protection : FNB credit cardholders are automatically enrolled in debt protection, which covers a maximum amount depending on the credit card type in case of unforeseen circumstances.
Free Comprehensive Global Travel Insurance : This insurance is provided to cardholders when they purchase flight tickets using their FNB credit cards.
Personalised Interest Rates : Interest rates for FNB credit cards are determined based on the individual’s credit profile, allowing for more personalised rates.

To further enhance security, FNB monitors credit card transactions to identify any unusual activity, and cardholders can access their credit reports, which help them keep track of their credit health and status.

FNB Credit Card Management

Managing your budget.

One of the key aspects of using an FNB credit card responsibly is managing your budget effectively. You can prevent overspending and maintain good financial health by keeping track of your expenses and credit usage. To help you manage your budget , FNB provides several tools and services.

FNB branches offer face-to-face assistance in understanding your credit limit and monthly spending habits. You can also request a bank statement at any branch for a detailed overview of your credit card transactions.

To keep a close eye on your spending and budget, use FNB’s online banking services and the FNB Banking App . These platforms give you instant access to your credit card transactions, making it simple to monitor your spending and keep it within your budget.

Online and Mobile Banking

FNB offers online and mobile banking options for credit card users, providing convenience and ease of managing your account from anywhere. With FNB’s online banking platform and FNB Banking App, you can access your credit card details, view your transactions, and manage your budget anytime.

Here are some useful features of FNB online and mobile banking:

Keep track of your transactions : Access your transaction history, view pending transactions, and identify any suspicious activity.
View your eBucks rewards : Monitor your earned eBucks rewards and redeem your eBucks for exclusive discounts and offers.
Download bank statements : Generate and download your credit card statements for easy record-keeping and budget management.
Set up transaction alerts : Receive instant notifications on your credit card when transactions are made.
Secure access : Benefit from the highest possible security features to protect your account.

Make the most of your FNB credit card using the online and mobile banking tools available. This will help you control your spending, maximise your eBucks rewards, and manage your budget effectively.

Rewards and Lifestyle Privileges

Maximising ebucks rewards.

FNB’s credit card offers a compelling rewards program called eBucks Rewards . Cardholders can accrue eBucks by using their FNB credit card for everyday purchases. With each swipe, cardholders can earn eBucks on their credit card purchases. The eBucks earned can be redeemed for various products and services, making the rewards program versatile.

Some of the popular partners for redeeming eBucks are:

Cycle Lab : A leading cycling store offering top-of-the-line equipment and accessories.
iStore : An authorised retailer of Apple products and services.
The Pro Shop : A reputable golfing store supplying high-quality gear and equipment.
Koodoo.co.za : A popular online gaming retailer in South Africa .

Access to Premium Services

In addition to the eBucks rewards program, FNB Private Clients Cardholders can enjoy the exclusive eBucks Lifestyle service. This service grants access to a dedicated Lifestyle Assistant, who assists with various aspects of clients’ day-to-day life, including:

Travel arrangements, such as booking flights , car rentals, and accommodation.
Access to the Slow Lounge at various airports provides clients a comfortable space to relax before their flights.
Entry to other select airport lounges worldwide enhances the overall travel experience.

FNB credit cardholders also benefit from the added security of Verified by Visa when shopping online, ensuring their personal information and transactions are protected. The rewards and lifestyle privileges attached to the FNB credit card offer cardholders a convenient, secure, and rewarding banking experience.

Customer Support

Help desk and assistance.

FNB provides exceptional customer support for credit card holders, ensuring a smooth and hassle-free experience. If you encounter any issues or have questions, FNB offers several channels to resolve your concerns quickly.

Telephone Support : FNB has dedicated phone lines for different credit card categories, such as Classic, Gold, Premier, and Private Wealth. You can reach them at the following numbers:

Classic and Gold cards: 087 575 1111
Premier cards: 087 577 7000
Private Wealth cards: 087 730 6000
Private Clients: 087 575 4727
Visa Global customers: 0800 990 475

FAQs and Contact Information

FNB maintains a comprehensive Frequently Asked Questions section on their website that covers most of the common queries related to credit cards. This includes information on card activation, payment, limits, fees, and more. To access the FAQ, visit FNB’s official website and navigate to the relevant section.

FNB offers a Call Me Back Form alongside telephone and email support through their website. You can fill out this form with your contact details and query, and an FNB representative will call you back as soon as possible.

In conclusion, FNB has ensured customers have multiple avenues to address their credit card concerns. Combined with a comprehensive FAQ, these channels provide swift and effective assistance to FNB credit card holders.

FNB Credit Cards offer diverse options catering to different income groups, meeting various needs, and providing a simple yet rewarding experience for their users. With up to 55 days of interest-free credit and automatic enrolment in the eBucks rewards programme, these cards have become popular in South Africa.

The FNB Credit Cards are renowned for their accessibility, requiring a minimum annual income of R84,000. This makes it feasible for a large number of customers to access credit. The eBucks rewards programme is also quite lucrative, as it offers up to 60% in discounts and rewards when users spend using their FNB credit cards.

For high-net-worth individuals, the FNB Black Card epitomises an elite banking experience. It offers a prestigious credit facility of up to R300,000 to those earning over R750,000 annually. This card is perfect for those seeking a premium credit card experience, with several unique benefits and perks for cardholders.

In summary, FNB Credit Cards provide tailored solutions for various income groups and needs. They combine a reasonable entry criterion with excellent benefits and rewards. The cards cater to customers across the spectrum, from frequent travellers to budget-savvy users, making them a great choice.

Travel for less with eBucks Travel

Enjoy a wide range of travel benefits when you book trips on the FNB or RMB Private Bank App.

*Discounts excludes airport taxes, VAT and surcharges

eBucks Travel Terms, conditions and earn rules apply. For more information on the qualifying eBucks Travel earn rules, click below.

e Bucks Travel Discount Partners

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Daily Banking

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How-to guides

All savings + investment accounts, cash deposits, share investing, tax-free investing, funds/unit trusts, i want to save for, compare similar, additional options.

FNB Premier
Private Clients
Private Wealth
Optional Extras
Smartphone/Tablet Offer
Temporary Loan
Revolving Loan
Linked Petrol Card
Debt Protection

You need to earn R350 000 - R749 999 p.a

FNB Premier Current Account

benefits including

Debit Order and Salary Switching

Switch your salary, beneficiaries and debit orders free of charge, our dedicated team does all the work for you and keeps you informed of the progress along the way.

Download the switching form.

Switch your debit orders

Using the switching form, tell us which debit orders need to be switched
A certified copy of your ID
A copy of your non-FNB bank statement
A copy of your new FNB account number

Switch your salary

Complete the Switch my Salary section of the switching form
FNB will contact your employer and instruct them to switch your salary to your FNB account

Contact 0860 102 970 or email [email protected]

Terms, Conditions and Rules apply.

Linked Savings Account (Savings Pocket)

Put money away and earn interest on money saved., save easily and conveniently with no added fees.

A Savings Pocket is linked to your account to keep your savings separate from your transactional account. Earn competitive interest on a positive balance in your linked Savings Pocket.

Save easily and conveniently with no added fees.

To activate the Savings Pocket on your account call 0860 32 78 27

R1 000 Funeral Cover

Fnb understands the importance of life planning..

We therefore offer you R1 000 funeral cover so that you have peace of mind that your family will have the financial means to cater for unforeseen expenses in the event of your untimely death.

Online Banking

Bank anywhere, anytime, at your convenience, online banking is the convenient, real-time way to access your accounts. pay, transfer, trade and invest, using easy online navigation, all from the comfort of your couch..

Banking online is convenient as you can do most things that you can do in a branch.

Banking online is secure . Keep track of your transactions with free inContact , OTP notifications and online protection software.

Banking online is simple . All you need is an FNB bank account and access to the Internet.

View our How to register for Online Banking demo

With Online Banking you can

Check balances on your accounts
Get email statements
Pay traffic fines
Make payments to third parties
Set up recipients
Pay public recipients
Make once-off payments
Set up scheduled payments
Send money to an eWallet
View payment history
Validate recipients
Transfer money between your accounts
Transfer funds to your budget facility (credit card only)
Buy pre-paid airtime
Buy Vodacom data bundles (SMS vouchers and Big Bonus vouchers)
Buy prepaid electricity (Eskom and selected municipalities)
Buy Globel international airtime
Buy LOTTO TM tickets
Buy PowerBall tickets
Shop online using eBucks
Request proof of payment
View your eBucks rewards
View Annual Price Review letters
Trade shares online (share trading only)
Buy Krugerrands
Sell Krugerrands
Change your PIN
Update ATM Limits
View Card PINs
Create Card PINs
View, change or cancel cards
Order additional cards
Request notice to withdraw on investment accounts (investment only)
Top up and withdraw funds from your PayPal account
Check Forex rates
Receive money from abroad
Send money abroad
Open an overdraft and increase limits
Buy foreign currency
Create secondary users
Contact My Banker
Join FNB Connect
Open accounts
Set up Balance Alerts
Set up Limit Alerts
View and update personal details
Order a new card when it is about to expire
Secure your Online Banking with Webroot
Adjust your ATM withdrawal limits

The FNB Banking APP

Unparalleled simplicity and convenience, as a registered online banking user, you can access the fnb banking app, download the free app for android™, apple™,blackberry™ and nokia™ symbian devices*..

Using the Free FNB Banking App you can

Make and receive Geo Payments
Set up Stop Payments
Make payments and transfer funds
View transfer and payment history
Contact your Relationship Banker
View accounts and detailed balances
Locate FNB branches or ATMs
Access an FNB directory
Make and receive calls
Send and receive messages
Buy prepaid products
Top up your FNB Connect accounts
Purchase FNB Connect ADSL bundles
View foreign exchange rates

For queries please email: [email protected] To find out how to link your device call: 087 575 0362

View the software license agreement and remote banking agreement

*Android devices include HTC, Samsung, LG, Motorola, Sony Ericsson and Huawei. BlackBerry devices include the Torch, Storm, Bold and Curve that are OS5 or higher

Cellphone Banking

Banking at the touch of a button, access your money anytime, anywhere using your cellphone., even without your atm card you can now do your banking via cellphone banking..

As a customer you enjoy the following benefits

Check your balances, transfer money between your own accounts, make payments to individuals, pay monthly accounts, and even pay traffic fines
Withdraw cash from your FNB accounts, without the use of an ATM card
Buy prepaid airtime, electricity and LOTTO™
Free registration and subscription
Free inContact with every transaction (above R100)

To register for Cellphone Banking, dial *120*321# , visit www.fnb.mobi, www.fnb.co.za , an FNB ATM, any FNB branch or contact our call centre on 087 575 9405 for assistance.

Please refer to our Pricing Guide for fees on specific accounts.

Telephone Banking

It's your bank on call, as an fnb transactional account holder, you can enjoy flexible banking at your own convenience, speak to a telephone banking consultant or transact via the interactive voice response (ivr) line, whenever, wherever via a single access number..

Enjoy the following benefits with telephone banking:

Create payment notifications to send to your recipients
Schedule payments to be made on a specified date
Buy prepaid airtime (Vodacom, MTN, Cell C and Virgin Mobile)
Buy Telkom airtime (local and WorldCall)

To register - simply call 087 575 9404 .

FNB's FREE notification messaging service

Keep track of money moving into and out of your account..

This innovative messaging service enables you to keep track of transactions on your account, via email or SMS, and you can choose to receive your messages during the day between 7am and 8pm or 24 hours a day.

You get to select which accounts are linked to inContact .

Your FNB Credit Card and eBucks Rewards

Your fnb credit card and ebucks rewards..

Seeing Double?

You could earn DOUBLE the eBucks when making purchases using your FNB Credit Card as opposed to using your FNB Cheque Card. AND what's more is that every swipe is free. Happy swiping.

What's more, if you hold matching products (e.g. Gold Cheque Account and Gold Credit Card) your linkage to rewards will be FREE.

In addition to your credit card swipes you can also earn:

Double eBucks for shopping online
Double eBucks for international shopping
Up to 15% back in eBucks when you fill up with fuel at any fuel station or when using Uber domestically
Up to 15% back in eBucks when you purchase prepaid electricity or airtime through FNB
Up to 15% back in eBucks when you shop at Checkers & Shoprite
Earn up to 50% back on FOREX Online Payment Fees
Earn up to 100% back on FOREX Standing instruction fees

You can then spend your eBucks on just about anything at the various eBucks in-store and online partners. For more details visit the eBucks website

Qualify to get up to 40% off everything in the eBucks Shop and on selected local and international flights through eBucks Travel.

How to start earning:

Link your credit card to earn eBucks (a Credit Card Monthly Rewards Fee may be charged*)
Meet the qualifying criteria (visit www.eBucks.com to see qualifying criteria)
Collect points by simply swiping your FNB Credit Card
Get rewarded

Remember, in order to maximise your eBucks earn, you need to hold matching FNB Cheque and Credit Cards (e.g. FNB Platinum Cheque Account and Platinum Credit Card).

*To link your credit card to eBucks call us on 087 320 3200 or visit www.eBucks.com. A Credit Card Monthly Rewards Fee of R16.50 may be charged in order to link your FNB Credit Card to earn eBucks. FNB Classic, Platinum Bundled, Private Clients and Private Wealth customers will not be charged the Credit Card Monthly Rewards Fee. Terms, Conditions and Rules apply.

FNB Connect

Cheap rates, free calls and reduced data bundles, fnb connect adsl data.

* Terms and conditions apply,the maximum uncapped ADSL discount that applies is R399.00 .

For more information on uncapped ADSL data from FNB Connect, visit www.fnbconnect.co.za or log-in to FNB Online Banking and select the FNB Connect tab.

Email Statements

Get your statements emailed for free promptly, consistently and securely every month..

With email statements, you get your statements faster than paper statements. You can download, save and print your statements. FNB has also installed security measures to protect your information.

You could save R138 per year with email statements.

This is a free service which can easily be activated from your Online Banking profile in 4 easy steps.

Once logged in, select My Bank Accounts , then Menu and then Email Statements under Statements .
Select the appropriate account/s of which you require the statements to be delivered to you via email.
Enter the primary email address to which you'd like the statements to be sent .
Select the formats you would prefer to receive your statements in - plain text (CSV), PDF or both (account dependent).

What email statements offer me:

Easy to store - you can keep the email statements safely on your PC until they are required.
Easy to file - it is easier to file an electronic statement than a paper statement.
More secure - email statements are more secure than paper statements as paper statements. can be lost in the post. The statement is encrypted and cannot be tampered with.

Bank Your Change

Grow your balance in your linked savings pocket, automatically save your 'left over' cents when you swipe your fnb cheque or debit card..

Round the purchase amount up to the nearest rand, and have this transferred to your linked Savings Pocket, free of charge.

You can save more by choosing a 'top up' amount of R2, R5, R10, R20 or R50. This amount will be added to the cents that are saved per purchase and deposited in your linked Savings Pocket.

To start saving now call 0860 327 827 .

Cash @ Till

Draw cash directly from a tillpoint at a store..

Cash@Till™ allows you to use your cheque card to withdraw cash at tillpoints of specific retailers such as Pick-n Pay and Checkers.

Simply tell the cashier that you need to draw cash and they will assist.

Lost Card Protection

Protection in the event of a lost or stolen credit card, report a lost or stolen card within 24 hours of the incident to the dedicated, toll free, 24 hour hotline fnb will assist in the event of a non-pin related fraud incident on your account..

In the event of your card being lost or stolen:

Call the Lost Card hotline immediately on 087 575 9406
Please note that this protection may not apply if it is determined that you were careless in protecting your card or PIN

Dedicated Call Centre

Trained staff to help you get things done..

Our dedicated call centre is equipped with trained staff to assist you with any queries you might have about your account.

Courier Card Delivery

Avoid the queues at a branch.

Open your Cheque Account online and we will courier deliver your cheque card to you.

Tablet and Smartphone Offer

Is your phone as smart as your bank, get a smartphone or tablet from fnb and you can bank anywhere via the fnb app.

New and existing FNB clients can get a smart device at reduced rates to access their accounts via the FNB APP.

Existing customers can apply via Online Banking
New customers must apply for an FNB Cheque Account on the mobile pricing option

Clients can get these devices and pay for them over a 24 month period with zero additional fees, interest or charges payable.

In addition, FNB will:

Courier deliver your smart device to you at a cost of R150
Switch your debit orders, beneficiaries and salary, for free
Allow you unlimited Cheque card swipes
Give you free subscriptions to Online Banking, Cellphone Banking, Telephone Banking and the FNB APP
Grant you four free FNB ATM withdrawals a month - excluding branch, cheque and saswitch charges

View the Mobile Pricing Guide

To take up this offer, monthly Cheque Account deposits are required.

The table below details the device and account fees applicable:

Due to high demand, FNB cannot guarantee the colour of any Apple iPad product/s. Limited stock is available and FNB cannot guarantee a delivery date at this time. Should you place an order with FNB, please rest assured that we will do our utmost to get your device to you in the shortest possible time. FNB also undertakes to communicate regularly with clients who have placed an order.

Manufacturer's repair centres for Smartphones/Tablets under Warranty.

If your Apple iPad is faulty (this does not include physical damage) you can send an email to [email protected] with all your information (name, cellphone number, email address, collection address and serial number of the device) plus a description of the fault. You also have the option of returning the device to an iStore.

Samsung Support

If the device is faulty within 7 days of receipt, call Brightpoint on 011 928 8370 . If the device becomes faulty after 7 days of receipt, call Samsung on 0860 726 786 . To escalate any Samsung issues, you can send an email to [email protected] .

Acer Support

If the device is faulty please call 0860 777 286

BlackBerry Support

Call Brightpoint on 011 928 8370 . To escalate any Blackberry issues, you can send an email to [email protected] or [email protected] .

HTC Support

Call 011 460 8000 or email [email protected] .

Visa Privileges

Visa - your perfect companion, enjoy more from life, whether you're travelling or at home., your visa credit card offers an excellent selection of travel, dining, shopping and lifestyle opportunities..

While on your travels, should you have a medical emergency or your credit card is lost or stolen, you have access to an international support network to assist you: Visa Global Customer Assistance Service (GCAS) - 0800 990 475 .

Find out more about Visa privileges.

AA Emergency Roadside Assistance

Never be left stranded again, fnb commercial card holders receive free automatic aa emergency roadside assistance, which provides a helping hand when experiencing problems with your vehicle..

Roadside Repair Service :

Re-fuelling petrol up to ten litres
Restarting a flat battery
Changing flat tyres
Key lock-out service

Tow-in Service - for mechanical or electrical vehicle breakdowns up to a maximum of R1000

*If you are involved in an accident, the AA will arrange for your vehicle to be towed to the nearest AA approved repair centre or to a destination of your choice. You will be responsible for the costs incurred.

Stand By You:

Request this service when your car breaks down and an armed security guard will stay with you until the AA patrolman arrives
In addition to personal protection, this service reduces the risk of hijacking and vandalism whilst you're on the side of the road

Courtesy Services**:

Overnight accommodation for you and four other passengers
Transportation or the cost covered for you to collect your repaired vehicle

**Courtesy services are covered up to a maximum of R500 for emergencies occurring more than 100 kilometers from your home.

How to use AA Roadside Assistance Service

In an emergency please call 0860 70 60 50 and supply your Petro Card number*** to the consultant
An AA appointed contractor will be sent to provide you with assistance
Upon the contractors arrival please produce your Petro Card and proof of identity for the service

***Petro Card number is the 16 digit number on the front of your card

Additional Cards

Multiple cards linked to one account, have the flexibility to link additional cheque cards to your account - ideal for a spouse or children of 18 years and older..

How I can get it?

When logged in to FNB Online Banking, select the My Bank Accounts tab, My Cards sub tab, Menu, Additional Card, select an account and follow the instructions.

For more information contact 087 575 0000

Use Your Card Abroad

Use your fnb card at any terminal displaying the visa logo, travelling has never been this convenient..

Wherever you go in the world, Visa ensures that you can access your cash to buy gifts, access services, enjoy leisure activities and more.

Comprehensive Global Travel Insurance

Fnb's comprehensive global travel insurance will keep you covered..., no matter where you go in the world, when you purchase your air ticket with your qualifying card..

This innovative service gives travel ticket holders Comprehensive Global Travel Insurance, both locally and internationally. There's no need to buy additional top-up cover, saving you around R350 per ticket. It includes up to R10 million for medical expenses and personal liability cover, as well as providing cover against personal accidents, cancellation, travel delay, lost stolen, or damaged luggage.

By purchasing travel tickets in South Africa (or other specified countries as detailed in the Policy) at full fare on your qualifying FNB credit card or cheque card prior to the departure, ticket holders are automatically covered for the first 90 days of the journey. This offer only applies if you are a resident of the Republic of South Africa, Botswana, Lesotho, Namibia and/or Swaziland, up to and including seventy (70) years of age and buy your full public conveyance travel tickets in South Africa (or other specified countries as detailed in the Policy) with a valid FNB credit card or cheque card.

Team of Premier Bankers

Make the most of your money, premier banking offers you a specialised team of premier bankers to help you control your finances., we offer premier guidance through the world of banking to simplify your banking experience..

You also get a range of Platinum products

Platinum Cheque Account
Visa Platinum Credit Card
Access to the exclusive SLOW Lounge
Access to our team of investment specialists

To find out more about Premier Banking, call us on 0875 777 000 or email [email protected] .

SLOW Domestic Lounges

Slow domestic lounges can be found in the domestic terminals of or tambo, cape town and king shaka international airports..

Tasty snacks freshly prepared by on-site chefs
Freshly brewed coffees, selected wine-tasting and bar service
Complimentary Wi-Fi access & power throughout the lounges
Apple iMacs and printing facilities
Individual washrooms & shower facilities
A library filled with a wide range of books for your reading pleasure
An Amani Spa, offering a complimentary 15-20 minute treatment before your flight
A VIP private suite with an en-suite bathroom for families travelling together

Operating Hours

Peak times include:.

Monday - Friday: 04h45 - 07h00 and between 13h00 - 17h30
Sundays: 15h00 - 17h30

Access to SLOW Domestic Lounges will be limited to 90 minutes before boarding time.

FNB Platinum Current Account and Credit Card

Qualifying fees and criteria

If you only hold a Platinum Current Account or only a Platinum Credit Card and your accounts are in good standing*, a fee of R250 per person will apply.

*Good standing: This means that none of your FNB or FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our terms and conditions.

**No guests will be allowed during peak times.

Additional Platinum rules

All free entries will be allocated at main customer level and can be used/accessed by any card (current, credit or additional credit card).
Children younger than 2 years get access to the Slow Domestic Lounge for free
Unused free visits do not roll over to the next month

FNB Private Clients Current Account and Credit Card

If you only hold a Private Clients Current Account or only a Private Clients Credit Card and your accounts are in Good standing*, a fee of R250 per person will apply.

***Allocated free entries are shared between the SLOW Domestic Lounges and SLOW International.

Additional Private Clients rules

Fnb private wealth current account & credit card.

**Allocated free entries are shared between the SLOW Domestic Lounges, SLOW International and Bidvest Premier Lounges.

Additional Private Wealth rules

Children younger than 2 years old access the SLOW Domestic Lounge for free

FNB Business Platinum Current and Credit Card

***Allocated free entries are shared between the SLOW Domestic Lounges and SLOW International

Additional Business Platinum rules

All free entries will be allocated at main customer/account level for the current account
All free entries will be allocated per card for the credit card

Business Black Current Account & Credit Card

**Allocated free entries are shared between the SLOW Domestic Lounges and SLOW International.

*** Access will only be granted to holders of specific FNB Business Black Current cards, displaying the details highlighted below:

Additional Business Black rules

All free entries will be allocated at main customer/account level for the current account and entries are allocated at a plastic level on a credit card

Access Rules

NEW - All qualifying current and credit cardholders who have access to SLOW Domestic Lounges will only be allowed to enter 90 minutes before their boarding time
NEW - Should the lounge capacity be reached, FNB Business Black, FNB Private Wealth and RMB Private Bank customers will be granted preferential access
All your entries into the SLOW Lounges are non-transferable. All unused visits will not roll over to the next month
Any additional entries (in excess of those mentioned above) will be charged for
Access will only be permitted on presentation and swiping of applicable card by the cardholder
Only valid cards will be accepted. No expired cards will be accepted
Only one card will be permitted per cardholder per visit and must be accompanied by a boarding pass
Both the card and the boarding pass must be issued in the same individual's name
SLOW reserves the right to decline entry should any of the lounges be full. Access is subject to availability, according to SLOW Lounge capacity and safety rules
SLOW reserves the right of admission and retains the right to deny access should they deem necessary
Cardholders under the age of 18 years will not be permitted access unless accompanied by an adult over the age of 18 years
Children younger than 2 years old may access the SLOW Lounge for free
Children older than 2 years old may access SLOW Domestic Lounges as per cardholder access criteria and fees
All FREE entries will be allocated at main client level and can be used/ accessed by any card (Current, Credit or additional Credit Card)

Vehicle Concierge Service

We will source and deliver any new or used vehicles, as a free service to premier and private clients, fnb offers a concierge service with entails:.

Sourcing and delivering of new or used vehicles from pre-select dealers on your behalf
Helping you compare different vehicle models and arranging test drives
Arranging vehicle services
Finding you the best possible price and specials from manufacturers

FNB will reward you with 1% of your purchase price (pre-VAT) in eBucks!

Contact 087 736 2352 or [email protected]

Experience the Platinum Side of Life with an FNB Premier Current Account.

As an FNB Platinum client you get access to a world of rewards and benefits that transport you from ordinary banking, to banking on the Platinum side of life.

What does this offer me?

Lifestyle benefits.

Earn eBucks Rewards every time you:

Swipe for anything from appliances to a cup of coffee
Shop Online
Shop internationally
Fill up with fuel and earn up to 15% back in eBucks
Buy pre-paid electricity through FNB and earn up to 15% back in eBucks
Buy pre-paid airtime through FNB and earn up to 15% back in eBucks
Shop at Checkers & Shoprite and earn up to 15% back in eBucks
Send or receive foreign currency through FNB Forex

You can then spend your eBucks Rewards on just about anything at the eBucks Shop and any of our in-store and online partners

You could also get up to 40% off the purchase of lifestyle products in the eBucks Shop

This means that the more eBucks you earn, the more you can save when you spend your eBucks AND get a discount on your purchases

Extended warranty and purchase protection on your Platinum Cheque Card which means that your purchased on your card are insured to give you peace of mind

Travel benefits

Access to SLOW Airport Lounges (SLOW Domestic and SLOW International) where you can relax and enjoy free snacks, drinks, wifi before taking off on your journey
Get up to 40% off flights and car hire when you book through eBucks Travel online
Get free Comprehensive Global Travel Insurance that covers you up to the value of R10 000 000 on your Platinum Cheque Card

Convenience

Bank anywhere, anytime with free subscriptions to Online Banking, Cellphone Banking and the FNB Banking App

Get dedicated service from a team of Premier Bankers at Premier Banking or all your banking needs. Premier Banking can assist you with:

Answer and facilitate all your general banking queries
Process all your Credit facilities
Assist with all your Investments with FNB
Support you to get the most value out of your banking
Facilitate all your Home Loan and Vehicle Finance applications
Assist you with all your home, personal or car insurance
Assist you in arranging Forex with FNB

Free card delivery to your door, so you never have to step foot into a branch

The Platinum bundle includes:

Platinum Credit Card
Up to 5 additional credit cards
eBucks linkage fee for your Platinum Credit Card

What will it cost?

View the Pricing Guide .

Legal and the small print

View the FNB Premier Current Account Terms and Conditions .

Ways to apply

Your nearest FNB branch
Complete the form

You need to have an active FNB Cheque Account in order to apply for an Overdraft as well as the following:

What documents do I need?

Green bar-coded South African ID Book
Recent payslip
Proof of residence
Spousal consent (if married in community of property)

FNB Premier Cheque Call Centre

011 352 5 996

Premier Suite

087 577 7000

International callers

+27 (0) 11 369 1088

Find a branch

First National Bank of Namibia LTD C/O Fidel Castro & Independence Ave Box 195, Windhoek Tel: 061 2992111 [email protected]

The Parkside branch also services RMB, Homeloans and WesBank clients.

RMB Namibia Tel: 061 2992340

RMB Corporate Banking Tel: 061 2998446 [email protected]

WesBank C/O Fidel Castro & Independence Ave Box 195, Windhoek Tel: 061 2992437 [email protected]

Homeloans C/O Fidel Castro & Independence Ave Box 2150, Windhoek Tel: 061 2992523 / 061 2992524 [email protected]

Private Clients

C/O /Fidel Castro & Independence Ave First Floor Box 285, Windhoek Tel: 061 2992838

C/O Chasie & Frankie Fredericks St, Ground Floor Shop 44, The Grove Mall shopping centre Box 35387, Kleine Kuppe, Windhoek Tel:061 2992222

Southern Industrial Area

P/Bag 5177, Ausspannplatz [email protected]

John Meinert

C/O Independence Ave & John Meinert St Box 23043, Windhoek Tel: 061 299 2222

110 Nickel St, Prosperita Box 285, Windhoek el: 061 2992222

Contact Centre C/O Fidel Castro & Independence Ave Box 285, Windhoek el: 061 2992222

Pick n Pay Complex, Independence Katutura Box 62207, Katutura, Windhoek Tel: 061 2992222 [email protected]

Northern Industrial

16 Nguni St, Northern Industrial Area Box 23043 Tel: 061 299 2222

Private Wealth C/O Fidel Castro & Independence Ave Ground Floor Box 285, Windhoek Tel: 061 2998447

207 Independence Ave, Windhoek Box 285, Windhoek Tel: 061 299 2222

Bureau de Change 207 Independence Ave, Windhoek Box 285, Windhoek Tel: 061 299 2222

First National Bank of Namibia LTD 17 Main St, Box 91 Aranos Tel: 061 299 2222

First National Bank of Namibia LTD BH Complex Main Rd, Box 13407 Eenhana Tel: 061 299 2222

First National Bank of Namibia LTD 44 Church St, Box 14 Gobabis Tel: 061 299 2222

Grootfontein

First National Bank of Namibia LTD Hage Geingob Ave, Box 30 Grootfontein Tel: 061 2992222

Henties Bay

First National Bank of Namibia LTD C/O Jakkalsputz & Duineweg, Box 447 Henties Bay Tel: 061 299 2222

First National Bank of Namibia LTD 79 Main St Tel: 063 270012 Fax: 063 270079

First National Bank of Namibia LTD Main St Hidipo Hamutenya, Box 24 Karibib Tel: 061 299 2222

Katima Mulilo

First National Bank of Namibia LTD Hage Geingob Drive, Erf 329 Katima Mulilo Tel: 061 299 2222

Keetmanshoop

First National Bank of Namibia LTD 76 Hampie Plichta Ave, Box 77 Keetmanshoop Tel: 061 299 2222

First National Bank of Namibia LTD 12 Bismarck St, Box 10 Luderitz Tel: 061 299 2222

First National Bank of Namibia LTD Erf 280 Dr Sam Nujoma Ave, Box 131 Mariental Tel: 061 299 2222

First National Bank of Namibia LTD Nkurenkuru Shopping Mall, Main Rd Tel: 061 299 2222

First National Bank of Namibia LTD Okahao-Tsandi main Road, Box 42 Okahao Tel: 061 299 2222

First National Bank of Namibia LTD Shop 16, Okahandja Shopping Mall, Box 140 Tel: 061 299 2222

First National Bank of Namibia LTD 89 John Tjikuua St, Box 212 Okakarara Tel: 061 299 2222

First National Bank of Namibia LTD Room no 16, Okongo Complex, Box 15216 Okongo Tel: 061 299 2222

First National Bank of Namibia LTD Omuthiya Shopping Centre, Shop no 10 Main Road Omuthiya Box 19281 Omuthiya Tel: 061 299 2222

First National Bank of Namibia LTD 37 Main Rd, First City Centre Box 42, Ondangwa Tel: 061 299 2222

First National Bank of Namibia LTD Tel: 061 299 2222 Area Office

Ongwediva Shop 28-32, Oshana Mall, Main Road, Tel: 061 299 2222 Box 3321, Tel: 061 299 2222

First National Bank of Namibia LTD NDC Park 1, Main Road, P/Bag 3008 Opuwo Tel: 061 299 2222

First National Bank of Namibia LTD 8th Avenue, Box 204 Oranjemund Tel: 061 299 2222

Oshakati Game Game Shopping Complex, King Mandume Road P/Bag 5510, Oshakati Tel: 061 299 2222

First National Bank of Namibia LTD Erf 272, Okatana, Main Road P/Bag 5510, Oshakati Tel: 061 299 2222

FNB Insurance Brokers Namibia (PTY) LTD Office No 8, Oshakati Complex Tel: 061 299 2222

First National Bank of Namibia LTD No 13, Unie St, Box 81 Otavi Tel: 061 299 2222

Otjiwarongo

First National Bank of Namibia LTD 7 George St, Box 64 Otjiwarongo Tel: 061 299 2222

Otjiwarongo Midway Agency Hage Geingob St, Spar Complex, Shop no 2 Tel: 061 299 2222 Box 64 Otjiwarongo

Central North Area Office 196 Hage Geingob St, Box 2047 Otjiwarongo Tel: 061 299 2222 Fax: 067 308805

FNB Insurance Brokers Namibia (PTY) LTD 44 Hage Geingob St, Box 667 Otjiwarongo Tel: 061 299 2222 Fax: 067304438

First National Bank of Namibia LTD Tsandi, Main Road, Box 35 Outapi Tel: 061 299 2222

First National Bank of Namibia LTD Erf 29, Shop 7, President Ave, Outjo Park, Box 16 Outjo Tel: 061 299 2222

First National Bank of Namibia LTD Erf 1, C/O Church & Bahnhoff, Block B, P/Bag 1008 Rehoboth Tel: 061 299 2222

First National Bank of Namibia LTD 2 Lood St, Box 418 Rosh Pinah Tel: 061 299 2222

First National Bank of Namibia LTD Maria Mwengere Street Box 149 Rundu Tel: 061 299 2222

First National Bank of Namibia LTD 16 Tobias Hainyeko St, Box 1 Swakopmund Tel: 061 299 2222

Mondesa 1040 C/O Independence & Mandume Ndemufayo Ave Mondesa, Box

First National Bank of Namibia LTD 74A Presidents Ave, Box 251 Tsumeb Tel: 061 299 2222

First National Bank of Namibia LTD 138 Sam Nujoma Ave, Box1 Walvisbay Tel: 061 299 2222

Kuisebmond Shop 4& 5 Nataniel Mauxuilili Service Centre Kuiseb Mall, Kuisebmond, Box 1819 Kuisebmond Tel: 061 299 2222 Fax: 064 280501

WesBank Finance No 5, 11 Road, Walvisbay Box 2941, Windhoek Tel: 061 299 2222 Fax: 064 203409

FNB Insurance Brokers Namibia (PTY) LTD 116 6 St, Box 1640 Walvis Bay Tel: 061 299 2222 FNB Insurance Brokers complaints fnbibcomplaints@fnbnamibia

Klein Windhoek

No 9 Eaton Heights, Bassingthweighte St Klein Windhoek Box 285, Windhoek Tel: 061 2992222

Maerua Mall

1st Floor, Shop no 37 Maerua Mall Shopping Centre Tel: 061 299 2222

Other areas

Find an ATM

What would you like to do, please select.

< R10m annual turnover

> R10m annual turnover

Daily Banking

For My Business

Calculators

Rates + pricing

News + insights

About FNB + Legal
Contact Us + Tools
Careers at FNB

Switch to FNB

Ways to bank, bank better, industry expertise, international banking, integrated tax administration system, product rates, pricing guide, terms + conditions, talk to us + important numbers, fraud + disputes, switch to fnb..., private banking, fnb banking app.

With the FNB Banking App, you can do all this and more:

Make GEO payments
Make use of eWallet functionality
Make payments (including once-off payments)
Transfer funds
View detailed balances and transaction history
Add, edit, or delete recipients
Send Money to any Namibian cellphone number
Make calls and send messages to other app smartphones
Access an FNB Call Centre Directory
Buy prepaid electricity and airtime
Receive inContact messages

Online Banking

Online Banking offers the following banking services:

Make real-time transfers between your FNB accounts
Make real-time payments to FNB account holders
Payments made during business hours to recipients holding accounts at other banks reflect in the account the next day
Create recurring payments to automatically pay your recipients
Make cross-border payments
Future date payments to up to one year in advance
Submit requests to stop cheques
Set up and maintain your recipients
Send a payment advice to any email address
Reference validation
View the real-time balances of all your FNB accounts
View up to 65 days of transaction history on certain accounts
View any uncleared funds and interest earned on certain accounts
Manage your investment accounts
Set up statements delivery online
You can view and download transaction history in real time

Cellphone Banking

Cellphone Banking enables you to conveniently perform a number of banking transactions using your cellphone. Your cellphone is more than just a phone - its a device to do safe, easy and convenient mobile banking.

It's as simple as dialling *140*321#
No special SIM card requirements
No complicated downloads
No changes to your cellphone settings
24-hour banking convenience - you can bank wherever you are, whenever you want
Transactions occur in real time
Registration is quick and free
Zero subscription fees

It's easy to get rewards

Once you've qualifed and your reward level has been determined, you'll be ready to start earning and saving on a monthly basis. Each time you move up a reward level, you'll receive more money in your Linked Savings Pocket.

Visit FNB Rewards and see how easy it is to get rewarded.

Smart inContact

Activate Smart inContact to receive notifications and approve transactions with the app's intelligent, interactive messaging. Have more control over your account by setting up alerts. For any unknown or suspicious transactions, you will be able to connect to the fraud helpline immediately. When an attempt is made to login to your Online Banking profile via a PC or mobile device that hasn't been verified, you'll receive a notification via Smart inContact requesting you to approve or verify the device. If you suspect any unauthorised activity on your account you can connect to the fraud helpline immediately.

Report fraud

Report fraudulent transactions instantly via the FNB Banking App. Alternatively, contact us to report a fraudulent incident: 061 299 2838 or Contact your Private Banker.

Lost card protection

Lost card? No problem, Manage your cards via the app. Protection in the event of a lost or stolen card. Report a lost or stolen card within 24 hours of the incident and FNB will assist in the event of a non-PIN related fraud incident on your account before the card is cancelled. Lost Card Protection may not apply if it is determined that you were careless in protecting your card or PIN. In the event of your card being lost or stolen, call us on 061 299 2838 or contact your Private Banker.

Private Clients Credit Card | Earn N$750 000 to N$1,499 999 per annum or a NAV of N$10 million

Appreciate the remarkable.

A Private Clients Credit Card gives you access to exclusive rewards and benefits with the support and exceptional service of a dedicated Private Banker. Simplify your life and enjoy the privileges a Private Clients Credit Card offers.

Your rewards, now multiplied

As a Private Clients Credit Card holder, you get access to exclusive rewards and benefits that are tailored to your lifestyle and needs. Enjoy the services of a dedicated Private Banker and earn cash back on all your everyday purchases.

Earn up to N$912 cash back on your monthly spending with FNB Rewards

Terms, conditions & rules apply.

Get rewarded

Great things await...

FNB Banking App

Bank safely and securely with the FNB Banking App.

Your Private Banker

Your single, convenient point of contact with FNB - a trusted and dedicated Private Banker.

SLOW Lounge access

Enjoy access to the luxurious SLOW in the City, SLOW domestic and international lounges.

Comprehensive Global Travel Insurance

Keeps you covered no matter where you go in the world - for free.

Guarding your banking journey

Safer banking is always top of mind, so we've put many measures in place to ensure this. You can set your notification limits, block your card via the app and report fraud instantly, to mention a few.

Security measures

The features of convenience

Enjoy a range of solutions to help you manage your cashflow.

Personalised rate

Enjoy a personalised interest rate tailored to your unique credit profile

Interest free

You get a 55 days interest free period

Budget facility

Choose a repayment period of between 6 and 60 months

Automated payments

Never worry about missing a payment, choose from 5 convenient repayment options

Simple account management

It's easy, secure + subscription is free.

Manage your accounts on the go, wherever, whenever you want with Online Banking. Download the FNB Banking App for free and do all your banking the way you've been doing it online and on your cellphone and more.

Access at your fingertips

Available 24/7 365 days a year

Banking on the go

Applying made easy

Simplify your life, qualifying criteria.

Earn between N$750 000 and N$1,499 999 per annum or a net asset value of N$10 million.

How to get it

Other ways to apply

Documents needed

Namibian ID / valid passport with a work permit and employment contract
Proof of income

What would you like to do?

Please select.

< R10m annual turnover

> R10m annual turnover

Daily Banking

For Me & My Family
For My Business
Calculators
Rates + Pricing
News + Insight
About FNB + Legal
Contact Us + Tools

Careers at FNB

Switch to fnb, financial solutions, ways to bank, invest abroad, financial planning, ebucks rewards, bank better, switch to fnb business, by turnover, savings and investments, for my employees, forex + trade, value adds + rewards, industry expertise, going global, financial planning, bank better, corporates + public sector, day to day banking, vehicle finance, product rates, pricing guide, indicators and share price, news + insights, terms + conditions, fnb subsidiaries, talk to us + important numbers, fraud + disputes, how-to guides, all savings + investment accounts, cash deposits, share investing, tax-free investing, funds/unit trusts, i want to save for, compare similar, additional options, private clients credit card, enjoy exclusive benefits.

Bank conveniently with a Private Clients Credit Card and get family-orientated rewards and unique lifestyle benefits. Get a bundle account at no cost to you.

Required income R 750 000 to R 1 799 999

What you get

Earn eBucks rewards when shopping at partners like Takealot, Checkers, Engen, iStore and Clicks.

Pay no fees for your credit card delivery and get up to 55 days interest-free on your purchases.

Earn up to 40% back in eBucks on your FNB Life Insurance premiums every month.

A wide variety of innovative, simple and secure ways to pay with your FNB App.

Get Automatic Debt Protection up to R12 000 in the event of death or permanent disability.

Purchase Protect offers cover for items purchased using your virtual credit card up to R12 500.

Pay off your medical expenses at an interest rate of prime or prime +2%.

Repay your device through the budget facility and earn up to 60% back in eBucks on your monthly premium

Exclusive family rewards

Travel together.

Get 8 complimentary lounge visits and bonus SLOW Lounge family access with discounted flights and car hire when you book with eBucks Travel.

Family banking

Receive up to 50% off your spouse/partner's monthly account fee and get kids FNBy & FNBy Next Accounts at no cost.

3x more value

With eBucks and Connect cellphone rewards plus exclusive retail offers.

What it costs

An overview of the standard fees and charges of your FNB Private Clients Credit Card.

Monthly account fee

Cash@Till™ withdrawals

At no extra cost

Three additional cards

Initiation fee

Create & pay with your own virtual card

The FNB Virtual Card on the FNB App is a faster, safer and more secure way to pay for online and in-store purchases wherever you are in the world.

Your CVV number changes regularly. Create, cancel or temporarily block your card at any time.

Earn eBucks

Choose more value for you and your family and earn eBucks while you spend.

It's convenient

Virtual cards can also be used for FNB Pay, Scan to Pay and all partner wallet transactions, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, and SwatchPAY!, without the need for a physical card.

FNB Purchase Protect

Get instant insurance for items purchased with your virtual card at no extra cost up to R10 000.

Choose another option

Choose FNB Fusion Private Clients and get more value for you and your family, with access to a credit facility at a single monthly account fee.No monthly account fee and facility fee for your FNB Private Clients Credit Card.

Monthly fee

More rewards. More value.

Maximise the value of your FNB Credit Card by exploring the range of amazing benefits and perks it offers - all designed to enhance your financial well-being and make your life easier.

Qualifying criteria

Earn between R750 000 and R1 799 999 per year to qualify.

Documents needed

South African ID book (barcoded)/valid South African passport (SA resident), Passport with valid work/retirement permit (non-SA resident)
Proof of residence (in your name, and not older than 3 months)
Latest payslip or last three months' bank statements

Other ways to apply

Apply on the FNB App
Contact your private advisor

Auto payment solution

The auto payment solution uses a built-in calculator which deducts any pre-payments from the the debit order amount.

On the payment due date, your amount payable (as per the payment option you have selected) will automatically be deducted from your bank account and your credit card will be credited subject to one day 'uncleared effects'.

How to get these exclusive offers

At iStore, The Pro Shop or Cycle Lab, inform the cashier to put the transaction on the FNB budget plan and select the term.
FNB will transfer the purchase to the budget facility at a competitive interest rate.
The transfer may take up to 3 - 5 working days to go through. In the meantime, you will be charged your normal personalised interest rate.

Important points to remember

Apple devices are also available via istore.co.za (select the device, select 'Buy on FNB' and follow the steps). Find out more on www.istore.co.za/FNB
PlayStation consoles, games and accessories are available on KOODOO.CO.ZA.
You must have a limit available to cover the total amount of the purchase price and your balance will reduce by the full amount.
Prefunding your credit card for the purchase will not qualify the transaction for the budget plan promotional rate, specifically if the limit does not cover the purchase amount. Prefunding means the purchase was not done on credit but with your own funds.

Refer to our full terms and conditions.

eBucks and exclusive rewards

When you spend at our partners.

Up to 15% back in eBucks at Checkers & Shoprite
Up to 15% back in eBucks at Clicks
Up to 15% back in eBucks on the latest Apple products at iStore
Up to R8/l back in eBucks every quarter with Engen and WesBank

When you look after the ones you love

Up to 40% back in eBucks on your FNB Life Insurance premiums every month

When you learn from home

Save up to R399 when you buy eTextbook vouchers with eBucks and Snapplify

When you stay connected

Up to 2GB data, 30 voice minutes and 30 SMSs every month on your FNB Connect SIM

When you travel

Up to 40%* off selected flights for you and your family with eBucks Travel
Unlock an Avis Car Hire discount of up to 40% off when you book flights on the FNB App
Up to 20 complimentary SLOW Lounge visits per year
Unlock up to 18 bonus SLOW Lounge visits when you book flights with eBucks Travel
Get a Wimpy breakfast or burger at participating Engen 1Stops every quarter

When you spend time with the family

Up to 40% back in eBucks on your video streaming (Netflix) and music streaming (Spotify) subscriptions when your family banks with FNB
Enjoy a fresh smoothie, coffee or up to R100 to spend in-store at KAUAI every month

For more information on eBucks Rewards, download the FNB App or visit www.ebucks.com *Discount excludes taxes. Terms, conditions and rules apply.

Find a branch

Show branches which allow bookings
Show branches not affected by loadshedding
Show branches with extended operating hours
Show branches with wifi

What would you like to do?

Please select.

< R10m annual turnover

> R10m annual turnover

Daily Banking

For Me & My Family
For My Business
Calculators
Rates + Pricing
News + Insight
About FNB + Legal
Contact Us + Tools

Careers at FNB

Switch to FNB

Financial Solutions

Ways to bank, invest abroad, financial planning, ebucks rewards, bank better, switch to fnb business, by turnover, savings and investments, for my employees, forex + trade, value adds + rewards, industry expertise, going global, financial planning, bank better, corporates + public sector, day to day banking, vehicle finance, product rates, pricing guide, indicators and share price, news + insights, terms + conditions, fnb subsidiaries, talk to us + important numbers, fraud + disputes.

How-to guides

All savings + investment accounts, cash deposits, share investing, tax-free investing, funds/unit trusts, i want to save for, compare similar, additional options, incorrect username/password.

Enter the correct login details. Your profile will be blocked after three failed attempts.

If you have forgotten or would like to reset your username/password, select 'Forgot password'.

Security Centre

Help changes everything

Behind unstoppable business, for my family.

IMAGES

Overview
Fusion Private Client
Private Clients Credit Card
FNB Private Clients Credit Card
FNB Private Clients Credit Card
Private Clients Credit Card

VIDEO

Rent Payments: Why Don't They Affect Your Credit Score?
PALMAR CLUB Villa EMMANUELA, Marathón, Greece
Earn FNB eBucks at SPAR!

COMMENTS

Travel insurance
Global Travel Insurance will keep you covered no matter where you go in the world. Get complimentary Global Travel Insurance cover when you use your qualifying FNB card to purchase your international return travel ticket (s). This offer is available to FNB Debit, Fusion or Credit Card holders below the age of 75 who are residents of any of ...
FNB Private Clients Credit Card
A wide variety of innovative, simple and secure ways to pay with your FNB App. Get Automatic Debt Protection up to R12 000 in the event of death or permanent disability. Purchase Protect offers cover for items purchased using your virtual credit card up to R12 500. Pay off your medical expenses at an interest rate of prime or prime +2%.
Private Clients Card
To qualify for Comprehensive Global Travel Insurance you require a qualifying FNB Cheque, FNB Fusion or Credit Card with which to pay for your travel ticket. ... Simplify your life and enjoy the privileges a Private Clients Credit Card offers. Get up to 55 days interest-free credit; Daily ATM withdrawals of up to N$9000;
Better Banking Benefits
Global Travel Insurance is available to FNB Debit, FNB Fusion or Credit Card holders, below the age of 74 and credit card holders, who have not yet turned 75 who are residents of any of the below countries: South Africa, Lesotho, Namibia, and eSwatini. If you are over 74, FNB provides a special type of insurance to suit your needs. Contact the ...
Travel Insurance
Purpose: Travel Insurance is protection for trip cancellation or interruption, baggage/passport/jewelry theft, and unexpected medical or dental expenses while you are traveling outside of the United States. Product Features: Covers travel outside of the United States. Protects against trip cancellation or interruption.
FNB Travel Insurance Review 2024
FNB Travel Insurance is designed for FNB credit card and cheque account holders under the age of 75. Outpatient services require an additional fee of R2,000.00 for medical and related expenses upon claim submission. In contrast, inpatient clients facing a medical emergency do not incur extra charges. The insurance becomes active upon purchasing ...
eBucks Lifestyle
FNB Private Clients Cardholders will enjoy the exclusive service of eBucks Lifestyle where a dedicated Lifestyle Assistant will assist you with: All your travel arrangements including flights, car rental and accommodation. Gifting services like ordering flowers, wine, gift vouchers and hampers. Lifestyle experiences such as spa days, hot air ...
How to get FNB travel insurance
The policy from First National Bank gets you up to R10 million for medical expenses. However, you can get this travel insurance when booking with credit card certified by First National. Also, you will get up to R2.5 million for personal liability. The Comprehensive Global Travel Insurance from FNB insures you in the event of any of the following:
FNB Private Clients Credit Card
An FNB Private Client Credit Card gives you access to exclusive rewards and benefits with the support and exceptional service of a dedicated Private Banker. To top Speak to a coach and make good money choices! Register for a FREE call-back → ... Travel Insurance: When you purchase your return travel ticket(s) on your credit card you will get ...
FNB Travel Insurance: Your Comprehensive Guide to Journey Coverage
Key Features of FNB Travel Insurance. Some of the key features of FNB Travel Insurance include: A free Global Travel Insurance cover for eligible cardholders, A maximum medical coverage of up to R5 million, Availability for FNB credit card and cheque account holders under the age of 75. By offering reliable travel insurance, FNB enhances the ...
Credit card travel insurance
The Consumer and Business Platinum, and Private Clients Credit Card holders benefit from Comprehensive Global Travel Insurance. The basic automatic travel insurance with FNB covers you for 90 days' worth of travel, as well as: Up to R175,000 for local cover and up to R10 million cover for international medical expenses (depending on the type ...
FNB Private Clients Credit Card Features & Benefits
The FNB Private Clients Credit Card is a low-cost card with a monthly fee of R133* & requires a minimum annual income must be R750000 to R1799999. ... Up to 40% back in eBucks on your FNB Life Insurance premiums every month. ... FNB Global Travel Insurance will keep you covered no matter where you travel in the world;
FNB Credit Card Review ☑️ Unbiased Pros and Cons (2024)
The FNB Private Clients Credit Card offers exclusive lifestyle benefits and rewards. Cardholders have access to their private banker and can earn rewards through the eBucks Rewards Program. ... FNB Global Travel Insurance offers worldwide coverage (excluding the USA) for travel durations ranging from 1 to 90 days. Wherever your adventures take ...
FNB Credit Card: Essential Features and Benefits Explained
It offers a prestigious credit facility of up to R300,000 to those earning over R750,000 annually. This card is perfect for those seeking a premium credit card experience, with several unique benefits and perks for cardholders. In summary, FNB Credit Cards provide tailored solutions for various income groups and needs.
Premier Credit Card
A variety of innovative, simple and secure ways to pay with the FNB App. Pay off your medical expenses at an interest rate of prime and get up to 55 days interest-free on purchases. Earn up to 40% back in eBucks on your FNB Life Insurance premiums every month. Purchase Protect offers cover for items purchased using your FNB Virtual Credit Card ...
How to Get FNB Travel Insurance in 2024
Step 1: First of all login to the Fnb Mobile App. (Note: If you have not installed the App then read our previous article Register FNB Banking App). Step 2: Select Insurance. Step 3: Tap on travel insurance & Apply Now. Step 4: Start your insurance application process. Step 5: Accept the terms and conditions.
FNB Private Clients
You will now have access to all the financial planning, wealth, investments, fiduciary services that FNB Private Clients has to offer. We are proud to welcome you to FNB Private Clients. Please feel free to contact your Relationship Banker by email or phone for all your banking needs or if you have any questions regarding this change.
eBucks Travel
Private Clients. FNB Private Wealth / RMB Private Bank. Flights. N/A. R100 off per domestic ticket. Up to 40%* off domestic & international. Domestic car hire. N/A. ... Up to 2 bonus SLOW Lounge visits per year when booking flights with eBucks Travel using your Aspire credit card or Fusion card. Up to 8 complimentary domestic SLOW Lounge visits ...
Private Clients travel benefits
R3 million on American Express Cards f or qualifying individuals between the ages of 3 months and 74 years. $750 000 on Visa Signature Cards for South African residents under the age of 85. Contact details: American Express Card - Bryte Insurance: 0860 885 503 or +27 (0)10 498 7854. [email protected].
Platinum Cheque Account
FNB's Comprehensive Global Travel Insurance will keep you covered... no matter where you go in the world, when you purchase your air ticket with your qualifying card. ... If you only hold a Private Clients Current Account or only a Private Clients Credit Card and your accounts are in Good standing*, a fee of R250 per person will apply.
Private Clients Credit Card
As a Private Clients Credit Card holder, you get access to exclusive rewards and benefits that are tailored to your lifestyle and needs. Enjoy the services of a dedicated Private Banker and earn cash back on all your everyday purchases. Earn up to N$912 cash back on your monthly spending with FNB Rewards. Terms, conditions & rules apply.
Fusion Private Client
Here's an overview of the fees you'll be paying with the FNB Fusion Private Clients Account. Get more value for your monthly account fee. Monthly Account Fee. R455 pm. Monthly discount for spousal account. 50%. Transactions. Unlimited card swipes. ATM cash withdrawals.
Private Clients Credit Card
A Private Clients credit card from FNB gives you exclusive lifestyle benefits and rewards, along with your own private banker and access to the eBucks lifestyle desk. Enjoy exceptional service, enjoy more privileges and simplify your life today.
Easy & Efficient Personal, Family and Business Banking
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