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 Credit Cards of February 2025

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

Pros and Cons

Pros

Cons

How to Choose FNB Credit Card?

How to Apply for an FNB Credit Card?

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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.

  7. 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.

  8. 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.

  9. 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.

  10. 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

Reasons You May Be Denied

How to Pay Off My Credit Card Debt

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.

Additional Resources

Sources

FAQ

What income documentation is required for self-employed applicants?

Are FNB’s credit card rewards, like eBucks, redeemable internationally? 

Does FNB provide any credit card options specifically for clients who primarily use their cards for fuel and motor-related expenses? 

31.10.2024
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Update 31.10.2024

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