FNB Credit Card – How to Apply?

Want to save money on everyday purchases? Interested in getting a credit card that gives you value-added benefits? With an FNB Credit Card, you’ll certainly enjoy all this and more.


An FNB Credit Card provides you with practical advantages you can use on a daily basis. Aside from earning rewards, you will also get exclusive deals and discounts. Read on to find out how you can apply for an FNB Credit Card today.

FNB Credit Card Features and Benefits

One of the best offerings from FNB is the FNB Gold Credit Card. Powered by Visa, this credit card is accepted worldwide.


With the FNB Gold Credit Card, you’ll get a FREE membership to eBucks Rewards. More than this, you can earn up to 1.5% back in eBucks when you shop in-store or online. Likewise, you can earn up to 15% back in eBucks when you use your card on FNB Life, Connect contracts or airtime and Checkers & Shoprite spend. You can also earn up to 15% when you use Uber domestically!

If you are fond of customising and arranging every aspect of your life, you’ll be happy to know that this card offers a personalised interest rate. Through this account, you can get interest rates that are designed to address your needs.


More importantly, you can make use of their Credit Card Budget Facility. With this feature, you can choose from a wide range of repayment periods from 6 to 60 months. This is perfect if you are making big-ticket purchases since you can pay little by little over time.

If you are looking for a credit card that can help you save money on everyday purchases, gain value-added benefits and earn reward points? FNB Credit Card is for you. Here's how to apply...

Applying for an FNB Credit Card

Getting your own FNB Credit Card is simple with the help of the FNB website. Simply fill out their application form online and you can receive a response in a short while.

To apply, you need to be at least 18 years of age and must be a permanent resident of South Africa. Some documents you need to provide include 3 months of recent bank statements, proof of identification, proof of residence and proof of income. To qualify, your annual income must be R84,000 to R299,999.

If your application is approved, you will receive a credit limit based on your creditworthiness. This can start from R50,000.

FNB Credit Card Fees and Charges

If you are on a budget, worry not. The monthly account fee for the FNB Gold Credit Card is only R105. Meanwhile, cash withdrawal fees are R1.90 per R100. Other charges you should consider include the commission and currency conversion fee on international card purchases of 2.75% of the transaction value and petrol fuel card purchases which amount to R5.25.

Other charges you need to remember include the customised interest rate. Bear in mind that this interest rate will be determined based on your credit score so that it can match your lifestyle.

Overall, the FNB Credit Card is your best bet when it comes to earning cash-back and preparing for financial independence. With the bonus points and rewards you earn, you can definitely make the most out of your credit card. Apply today to begin enjoying these features.