First National Bank Credit Cards for February 2025
Apply for a First National Bank credit card, reviewed by our experts. On 17.02.2025, you have access to credit cards options. Increase your chances of approval by filling out a multi-application with a free credit rating check.
Update 31.10.2024
First National Bank (FNB) offers a diverse selection of credit cards tailored to various customer needs, from everyday rewards and travel perks to premium lifestyle benefits and competitive interest rates. The FNB Gold Credit Card provides eBucks rewards on daily spending, while the Premier and Private Clients Credit Cards add perks like airport lounge access and stable interest rates for higher-income clients. Business clients can opt for the FNB Business Credit Card, equipped with tools for expense tracking and integration with accounting software. To simplify choices, FNB’s online comparison tool lets users review each card’s specific benefits - like cashback rates, annual fees, and travel insurance - ensuring they find the card that best suits their goals and spending habits.
Key Features
eBucks Rewards Program. Cardholders earn eBucks on purchases, providing cashback and discounts for expenses such as fuel, groceries, and travel when redeeming with partners.
Comprehensive Travel Insurance. Many FNB cards include global travel insurance, covering cardholders worldwide for emergency assistance when booking travel with the card.
Interest-Free Period. FNB credit cards offer an interest-free period of up to 55 days on purchases, benefiting cardholders who pay off their balances within this time.
Contactless Payment. FNB credit cards support contactless payments through FNB Pay, allowing quick and secure transactions without entering a PIN at compatible terminals.
Roadside Assistance. Select FNB cards provide AA Emergency Roadside Assistance, helping cardholders with fuel, flat tires, and battery restarts in emergencies
Credit Cards Offered by FNB
Gold Credit Card. Provides eBucks rewards of up to 1.5% on purchases, global travel insurance, and AA Emergency Roadside Assistance. This card includes unlimited free swipes and up to 55 days of interest-free credit.
Premier Credit Card. Designed for higher-income clients, offering personalized interest rates, up to 2% back in eBucks on purchases, SLOW lounge access, and 24/7 support from Premier Bankers. Additional benefits include global travel insurance and AA Roadside Assistance.
Private Clients Credit Card. Tailored for Private Banking clients, providing exclusive eBucks rewards, preferential interest rates, global travel and lifestyle benefits, and a dedicated Private Banker team.
Private Wealth Credit Card. Offers premier travel and lifestyle benefits, high eBucks rewards, SLOW lounge access, concierge services, and dedicated Private Wealth Banker services, along with comprehensive insurance coverage.
Aspire Credit Card. Targets middle-income clients, featuring eBucks rewards, global travel insurance, unlimited swipes, and full access to FNB's digital banking services, with added budgeting tools for managing expenses.
Business Credit Cards. A range of business credit cards, including Black, Platinum, and Gold Business Credit Cards, as well as specialized options like the Lodge Card for travel expenses, the Petro Card for fuel purchases, and the Aviation Card for aviation-related expenses. These cards support business operations with expense tracking, credit limits based on business needs, and features for travel and operational spending.
Petro Card. Linked to FNB credit accounts, this card is dedicated to fuel and motor-related purchases, providing convenience for frequent drivers. It can be used for vehicle-related expenses at designated locations.
Lodge Card. Intended for corporate travel, this card is retained by an authorized agent to facilitate business travel bookings, ensuring controlled and dedicated usage.
Aviation Card. Specifically for aviation businesses or frequent flyers, this card covers expenses such as aircraft fuel, maintenance, and operational needs, offering financial management options for aviation-related activities.
Pros and Cons
Pros
Wide Range of Card Options. FNB provides a variety of credit cards tailored to different needs, from entry-level cards to premium options, ensuring that clients across income levels and spending habits can find a suitable choice.
Comprehensive Rewards System. The eBucks program offers rewards on a range of purchases, allowing cardholders to earn and redeem points at numerous partner retailers, adding significant value to daily spending.
Additional Travel Benefits. With travel insurance, airport lounge access, and international concierge services available on select cards, FNB credit cards are highly beneficial for frequent travelers.
Cons
Monthly and Annual Fees on Premium Cards. While basic cards have minimal fees, premium options like the Private Wealth Credit Card come with higher monthly or annual costs, which may deter some users.
Spending Criteria for eBucks Rewards. The eBucks rewards system requires specific spending habits to maximize points, which may not align with all cardholders’ usual expenses.
Interest on Carried Balances. If balances aren’t paid in full, FNB credit cards carry standard interest rates on outstanding amounts, which can add up over time for cardholders who frequently carry a balance.
How to Choose FNB Credit Card?
Assess Your Spending Habits. Begin by reviewing your main expenses, whether they are travel, groceries, fuel, or dining. FNB cards offer rewards tailored to specific spending categories, such as eBucks points on groceries or travel-related perks on premium cards. Selecting a card that aligns with your most frequent purchases can help maximize rewards.
Consider Rewards and Benefits. Look at the rewards structure and extra benefits of each card, like eBucks for everyday spending or exclusive travel perks. For instance, the Premier and Private Wealth cards offer lounge access and enhanced travel insurance, while the Aspire card provides everyday rewards and budgeting tools for a balanced approach.
Evaluate Annual Fees and Interest Rates. Compare the annual fees and interest rates of each card to determine if the benefits outweigh the costs. For example, while the Private Wealth Credit Card has a high fee, it includes extensive travel perks and lifestyle benefits, which can offset the fee for frequent travelers. Lower-tier options, like the Gold Card, offer rewards at a more affordable cost.
Check for Extra Features. Look into unique features like roadside assistance, insurance coverage, or budgeting tools. Cards like Aspire include budgeting support, while premium cards offer services like AA Roadside Assistance and concierge support. Choose a card that provides value-added features aligned with your needs and lifestyle.
Use FNB’s Comparison Tool. FNB’s online comparison tool allows you to filter and compare credit card options based on your preferences, such as reward type, fees, and perks. This tool provides a side-by-side view of features, helping you make an informed decision by seeing all relevant card details in one place.
How to Apply for an FNB Credit Card?
Visit the FNB Website. Start by going to the official FNB website and navigating to the Credit Cards section under “For You” or “For Business.” Here, you can explore various card options and select the one that best meets your needs.
Select Your Card and Click “Apply Now.” Once you’ve reviewed the available credit card types and chosen the one that aligns with your financial needs, click the “Apply Now” button located below the card description to initiate the application process.
Complete the Online Application Form. Enter your personal information accurately, including your full name, South African ID (or passport and valid permit for foreign nationals), residential address, employment details, and income information. Double-check for accuracy to avoid delays.
Confirm Identity and Upload Documents. You may need to upload supporting documents like proof of residence, proof of income (such as a payslip), and a copy of your ID or passport. FNB’s system will prompt you with specific requirements based on your application.
Review and Submit Your Application. Carefully go over your information to ensure it is complete. Submit the application form online. FNB will review the application and conduct any necessary checks to verify your information.
Application via the FNB App. If you prefer using the FNB app, log in to your account, navigate to the “Apply for Credit Card” section, and follow the same steps as the website application. You can upload documents directly through the app, making it a convenient option for mobile users.
Visit an FNB Branch. Alternatively, you can apply in person at an FNB branch. Bring all required documents, including your ID, proof of income, and proof of residence. The branch consultant will assist you in completing the application and submitting the necessary documentation.
Locate a Branch Using FNB’s Website or App. To find the nearest FNB branch, use the “Branch Locator” feature available on FNB’s website or app. Enter your location to view nearby branches along with their addresses and operating hours.
Application Status and Approval. After submitting your application, FNB will process it and notify you of your approval status. If approved, you will receive instructions on how to activate your new credit card.
Activate Your Card. Follow the instructions provided by FNB to activate your credit card, which may include a phone call to customer service, using the app, or visiting a branch. Once activated, your card is ready for use.
Eligibility Requirements
Residency. Applicants must be South African residents with a valid South African ID. Foreign nationals can apply if they provide a valid passport and a residence permit, meeting FNB’s requirements for non-resident applications.
Age. You must be at least 18 years old to apply for an FNB credit card, ensuring legal capacity to enter into a financial contract.
Income. A regular and verifiable income is required. For salaried individuals, this includes providing payslips or recent bank statements reflecting consistent salary deposits. Self-employed applicants may need additional income verification.
Self-Employed Documentation. Self-employed applicants must provide recent bank statements (last three to six months), recent tax returns, financial statements like profit and loss statements, and business registration documents or a certificate of incorporation.
Creditworthiness. FNB evaluates applicants’ credit profiles, including their credit history and credit score, to assess risk and determine eligibility. A higher credit score increases the likelihood of approval and may influence the assigned credit limit.
Required Documents. All applicants must submit identification (South African ID or passport and valid permit for foreign nationals), proof of income (e.g., payslips, bank statements, or tax returns for self-employed individuals), and proof of residence, such as a recent utility bill not older than three months.
Reasons You May Be Denied
Insufficient Credit History. FNB requires a record of positive credit history to assess creditworthiness. If you have little or no credit history, it may lead to rejection as the bank has limited information on your ability to manage credit.
Low Credit Score. FNB evaluates credit scores to gauge risk. A low credit score or poor repayment history may fall below the minimum standard required for approval, impacting your chances of securing a card.
High Debt-to-Income Ratio. If a significant portion of your income is already allocated to paying existing debts, FNB may view additional credit as a potential risk, leading to a possible denial of your application.
Inaccurate or Incomplete Application Information. Providing incorrect or missing information, such as income details, personal identification, or address, may result in automatic rejection or delays as it raises concerns about accuracy and reliability.
Unverified or Irregular Income. If self-employed or with an unsteady income, failure to provide sufficient and recent bank statements, tax returns, or financial records may result in rejection as FNB requires clear proof of income stability.
Non-Resident Without Required Documentation. Foreign nationals without a valid passport and residence permit may be denied, as these are mandatory for eligibility for non-resident applicants.
How to Pay Off My Credit Card Debt
Online Banking. Log in to FNB Online Banking, navigate to the “Payments” section, select your credit card account, and enter the payment amount. Payments can be made directly from your FNB account or an external bank account linked to your profile.
FNB App. Use the FNB app, select your credit card account, and choose the “Make a Payment” option. You can enter the payment amount and confirm the transaction. For convenience, set up automatic payments to ensure timely monthly repayments.
ATM Payment. Visit any FNB ATM, insert your FNB bank card, and select the “Make a Payment” option. Enter your credit card details and the amount you wish to pay. ATMs are accessible 24/7 for quick and easy payments.
Auto Payment. Set up an Auto Payment to deduct a specified amount monthly on the due date. This is an automatic deduction and applies to credit card facilities. Ensure that sufficient funds are available in the designated account to avoid missed payments, as the bank will retry multiple times in case of insufficient funds.
In-Branch Payment. Visit any FNB branch to make a payment in person. Bring your ID and credit card details, and a teller will assist you in making the payment via cash, debit card, or bank transfer. Note that branch visits may incur handling fees depending on the payment method used.
Editorial Opinion
FNB’s credit cards offer a wide range of options for different needs—from everyday spending to travel perks and premium services. The eBucks program is especially beneficial for those who spend in partner categories, offering up to 2% cashback on Premier and Private Wealth cards. Travelers can enjoy unique perks like global travel insurance and SLOW Lounge access. However, premium cards come with higher fees, and maximizing eBucks rewards requires specific spending habits. Overall, FNB’s cards provide excellent solutions with tailored benefits for various types of clients.
What income documentation is required for self-employed applicants?
Self-employed individuals need to provide recent bank statements (covering the last three to six months), recent tax returns to verify income, and additional documents like a profit and loss statement or a certificate of business registration to verify the business's legitimacy.
Are FNB’s credit card rewards, like eBucks, redeemable internationally?
eBucks rewards can primarily be redeemed within South Africa with specific FNB partners. However, select partners may allow for online purchases that include international delivery, subject to availability and terms on the eBucks platform.
Does FNB provide any credit card options specifically for clients who primarily use their cards for fuel and motor-related expenses?
Yes, FNB offers the Petro Card, which is dedicated to fuel and motor-related expenses, enabling users to manage vehicle-related spending efficiently. This card is linked to credit accounts and can be used at select fuel stations and service centers.