FNB Credit Cards 2025

Discover FNB's range of credit cards with eBucks rewards, competitive rates from 20.25%, and exclusive benefits. From Premier to Student cards, find the perfect FNB credit card for your lifestyle.

FNB Credit Card Highlights

eBucks Rewards: Up to 25% back
Interest Rates: 20.25% - 23.25% p.a.
Credit Limits: R1,000 - R500,000

Choose Your FNB Credit Card

FNB Premier Credit Card

Premium

Premium credit card with exclusive benefits and rewards

Interest Rate:
20.25% p.a.
Annual Fee:
R3,500
Credit Limit:
R10,000 - R500,000
Rewards:
Up to 25% eBucks
Selected ✓

FNB Gold Credit Card

Gold

Mid-tier card with good rewards and benefits

Interest Rate:
21.25% p.a.
Annual Fee:
R1,200
Credit Limit:
R5,000 - R200,000
Rewards:
Up to 15% eBucks
Click to select →

FNB Aspire Credit Card

Entry Level

Entry-level card for building credit history

Interest Rate:
22.25% p.a.
Annual Fee:
R0
Credit Limit:
R2,000 - R50,000
Rewards:
Up to 10% eBucks
Click to select →

FNB Student Credit Card

Student

Designed for students to build credit responsibly

Interest Rate:
23.25% p.a.
Annual Fee:
R0
Credit Limit:
R1,000 - R10,000
Rewards:
Up to 5% eBucks
Click to select →

FNB Premier Credit Card - Detailed Information

Key Features

  • eBucks Rewards - earn up to 25% back
  • Complimentary airport lounge access
  • Comprehensive travel insurance
  • Purchase protection and extended warranty
  • 24/7 concierge services
  • Priority customer service
  • Global acceptance
  • Chip and PIN security

Cost Summary

Interest Rate: 20.25% p.a.
Annual Fee: R3,500
Monthly Fee: R0
Credit Limit: R10,000 - R500,000

Requirements

  • Premier banking relationship
  • Minimum income R25,000
  • Excellent credit score (700+)
  • FNB account holder
  • Permanent employment
  • Clear credit record

Rewards Program

Program: eBucks Rewards
Earn Rate: Up to 25% eBucks
Categories:
• Fuel: 2.5% eBucks
• Groceries: 2% eBucks
• Online shopping: 5% eBucks
• Partner merchants: Up to 25% eBucks

eBucks Rewards Calculator

Your Spending

Level 1
FNB account + 1 product
Base rates
Level 2
FNB account + 2 products
1.5x base rates
Level 3
FNB account + 3 products
2x base rates
Level 4
FNB account + 4 products
2.5x base rates
Level 5
FNB account + 5+ products
3x base rates

Your Rewards

Enter your monthly spending to see your potential eBucks rewards

Selected Level Benefits

  • 1% eBucks on fuel
  • 1% eBucks on groceries
  • 2% eBucks online shopping

How to Apply for FNB Credit Cards

1

Check Eligibility

Verify you meet FNB's credit card requirements

Duration: 5 minutes
FNB account holderMinimum income qualificationCredit score checkEmployment verification
2

Choose Your Card

Select the FNB credit card that suits your needs

Duration: 10 minutes
Compare card featuresReview fees and ratesCheck reward programsUnderstand terms
3

Apply Online

Complete your application on FNB's website

Duration: 15 minutes
FNB Online BankingPersonal informationEmployment detailsIncome verification
4

Document Submission

Upload required supporting documents

Duration: 30 minutes
ID documentProof of incomeBank statementsEmployment letter
5

Credit Assessment

FNB reviews your application and credit history

Duration: 1-3 days
Credit bureau checkIncome verificationEmployment confirmationFinal approval
6

Card Delivery

Receive and activate your new credit card

Duration: 5-7 days
Card deliveryPIN setupAccount activationFirst transaction

Expert Tips for FNB Credit Cards

Maximize eBucks

Use more FNB products to increase your eBucks level and earn more rewards

Pay in Full

Always pay your full balance to avoid interest charges and maintain good credit

Use Partner Merchants

Shop at eBucks partners to earn bonus rewards up to 25% back

Monitor Spending

Use FNB's budgeting tools to track spending and stay within limits

Upgrade Gradually

Start with Aspire, then upgrade to Gold or Premier as your income grows

Travel Benefits

Use Premier card travel insurance and lounge access for maximum value

Frequently Asked Questions

How do I maximize my eBucks rewards?

To maximize eBucks rewards, use more FNB products to reach higher levels, shop at eBucks partner merchants, and use your credit card for everyday purchases like fuel and groceries.

What's the difference between FNB credit cards?

The main differences are income requirements, annual fees, credit limits, and eBucks earning rates. Premier offers the highest rewards but requires higher income, while Aspire is free but has lower rewards.

Can I upgrade my FNB credit card?

Yes, you can upgrade your FNB credit card if you meet the requirements for a higher-tier card. Contact FNB or apply through online banking to upgrade your card.

How long does FNB credit card approval take?

FNB credit card approval typically takes 1-3 business days for existing customers with all required documentation. New customers may take up to 7 days for approval.

Do eBucks expire?

eBucks don't expire as long as you remain an active FNB customer and use your account regularly. However, inactive accounts may result in eBucks forfeiture.

Important Information

Before You Apply

  • • Check your credit score and report
  • • Ensure you meet minimum income requirements
  • • Open an FNB account if you don't have one
  • • Gather all required documentation
  • • Compare card features and choose wisely

Contact FNB

  • • Phone: 087 575 9404
  • • Online: www.fnb.co.za
  • • App: FNB Banking App
  • • Branch: Visit any FNB branch
  • • Hours: Monday-Friday 8AM-5PM

Disclaimer: Interest rates, fees, and terms are subject to change. Credit approval is subject to FNB's assessment. eBucks rewards are subject to program terms and conditions. This information is for general guidance only and does not constitute financial advice.