The FNB Credit Card is a product of First National Bank a division of FirstRand Bank Limited. FNB is an authorized financial services and credit provider.
At FNB they realize that different individuals have different lifestyle needs and this is why they offer various credit card options to choose from.
In this article, we will take a look at the different options available and the qualifying criteria for the FNB Credit Card. Also, we will discuss the benefits.
Let’s get started with the benefits.
Benefits
The FNB Credit Card is designed to reward you for spending. You’ll earn eBucks on selected purchases.
You’ll benefit from Lost Card Protection. This means you’ll get protection from any transactions on your card after you have reported it as lost or stolen. However, please note that Lost Card Protection may not apply if it is determined that you were careless in protecting your card or PIN.
Another benefit is contactless payments. Contactless technology allows you to make fast and secure payments for low value purchases by simply tapping your card on a contactless enabled point-of-sale device.
Also, you’ll get access to Online Banking. Online banking provides you a convenient way to access your account. And this can be done from the comfort of your home or office.
Furthermore, you can benefit from Online Secure which protects your card against fraudulent use online. Online Secure uses a One Time PIN (OTP) that is sent to you and comes at no extra cost. To activate Online Secure on your card, you must be an Online Banking user.
Also, you’ll get a preferential interest rate on selected products when you buy on your FNB Credit Card at iStore, The Pro Shop, Cycle Lab and KOODOO.co.za
FNB Credit Card Options
First National Bank (FNB) offers a variety of credit cards to suit different needs.
Here are some of their credit card options:
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Aspire Credit Card:
- Monthly Fee: From R45
- Required Income: R60,000 to R449,999
- Personalized interest rate, free budget facility, and up to 55 days interest-free on purchases.
- Benefits: Free comprehensive global travel insurance and automatic debt protection.
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Premier Credit Card:
- Monthly Fee: From R99
- Required Income: R350,000 to R849,999
- Benefits include eBucks rewards, travel insurance, and purchase protection.
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Private Clients Credit Card:
- Monthly Fee: From R160
- Required Income: R750,000 to R1,799,999
- Exclusive features for private banking clients.
- Benefits: Tailored services and perks.
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Private Wealth Credit Card:
- Monthly Fee: From R295
- Required Income: R1.8 million or more
- Tailored for high-net-worth individuals.
- Benefits: Customized benefits and privileges.
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Petro Card:
- Monthly Fee: From R61
- Required Income: R84,000 or more
- Ideal for fuel purchases.
- Benefits: Discounts and rewards.
Remember, each card comes with its own benefits and rewards. You can apply online through the FNB website. Enjoy exclusive perks and manage your finances wisely!
FNB Credit Card Application
Application for a credit card can be done online, or by completing the call me back form on the FNB website, visiting a branch or on the FNB Banking App.
Which method should you use? It all comes down to personal preference.
However, online application and applying on the FNB Banking App give you the convenience of being able to apply at any time of the day and from anywhere.
Others might wish to talk to a consultant and ask questions as they apply. If you feel this way, then requesting a call back or visiting a branch might be the best option for you.
If you wish to apply at a branch and want to find your nearest FNB branch you can make use of the branch locator found on their website.
What documentation is required? You’ll need the following documents to apply
- South African ID book (bar-coded)/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
FNB Credit Card Interest Rate
If you’re an FNB customer, you can get a personalised interest rate on your credit card that’s based on your credit profile and affordability.
Also, you get 55 days interest free. An interest free period on a credit card is the period in which you can purchase using your credit card without having to pay interest on those purchases.
To avoid paying any interest on purchases made with your credit card you must pay your full closing balance by the payment due date every month. Failure to clear the full balance on your credit card will mean you will lose the 55-interest free period for your next and current statement period.
FNB Credit Card Contact
For more details and applications, you can contact FNB using the following details
Applications
Telephone: 087 736 4800
Email: fastapp@fnb.co.za
Premier Card
Telephone: 087 577 7000
Email: fnbcard@fnb.co.za
Private Wealth
Telephone: 087 730 6000
Email: wealthcard@fnb.co.za
Private Clients
Telephone: 087 575 4727
Email: privateservice@fnb.co.za
Operating hours
08:00 – 17:00 (Mon – Fri)
Conclusion
FNB has almost 50 years of experience with credit cards. In addition, they can provide you with expert guidance you need to make good financial decisions.
A credit card is an ideal way of being prepared to deal with unexpected expenses.
The FNB Credit Card is provided by FNB one of the leading banks in South Africa. With operations of banks regulated, you can expect to be treated fairly.
For more loan products from FNB you can take a look at the article FNB Loans: What You Need To Know.