FNB Credit Card customers receive Automatic Debt Protection on the outstanding debt on their credit card in the event of death or permanent disability.
Automatic Debt Protection (ADP) | ||
Product Name | Premium | Specified Maximum Amount |
---|---|---|
FNB Petro Card (Standalone) |
No charge |
R1 000 |
FNB Aspire Credit Card |
No charge |
R5 000 |
FNB Premier Credit Card |
No charge |
R12 000 |
FNB Private Clients Credit Card |
No charge |
R12 000 |
FNB Private Wealth Credit Card |
No charge |
R12 000 |
Top-up Debt Protection Plan
Credit cards are a great way of accessing money when you really need it. FNB Petro Card (standalone only), Aspire, Premier, Private Clients and Private Wealth Credit Card holders qualify for embedded cover at no charge in the event of death or permanent disability from R1 000 to R12 000, depending on your card.
The Top-up Debt Protection Plan is designed to cover any debt on your credit card. This cover is over and above your free embedded cover for FNB Petro Card (standalone only), Aspire, Premier, Private Clients and Private Wealth Credit Card holders. Top-up Debt Protection offers cover for the FULL outstanding balance on your credit card in the event of death or permanent disability, and cover for your minimum FNB Credit Card instalments for up to 12 months in the event of temporary disability and unemployment/ inability to earn an income.
Top Up Debt Protection Plan Terms and Conditions (01 August 2017 to date)
Top Up Debt Protection Plan Terms and Conditions (Prior to 01 August 2017)
Premiums will be calculated on the average outstanding amount during the month, minus the free portion offered under Automatic Debt Protection (ADP).
All the Debt Protection Plan benefits are subject to the terms and conditions (i.e. the policy) as issued by FNB Life.
Contact 087 575 1111 for more info
Global Travel Insurance, at no charge, will keep you covered no matter where you go in the world, when you purchase your return ticket(s) using your FNB Debit, FNB Fusion, Credit Card or eBucks. You will get up to R 5 million cover for the first 90 days of your trip. What's more is we will cover up to 8 travel tickets for your travel companions too.
Save on your insurance and be conveniently covered for the first 90 days of your journey.
How do I get Global Travel Insurance at no charge?
To qualify for Global Travel Insurance at no charge, you require a qualifying FNB Debit, FNB Fusion or Credit Card with which to pay for your travel ticket.
Process
This offer is available to FNB Debit, Fusion or Credit Card holders below the age of 75 who are residents of any of these countries: South Africa, Lesotho, Namibia and eSwatini.
With Global Travel Insurance you get:
For more information view the Global Travel Insurance Policy together with the Schedule of Benefits
For assistance contact:
Global Travel Insurance Help Desk:
0861 490 100
Medical Services Organisation (MSO):
+27 11 521 4575
('Reverse-charge' your call using this number when from anywhere in the world)
If you are over 74, FNB provides a specific type of insurance to suite your needs. For more information view the Global Travel Insurance Policy . These documents are also available from the Global Travel Helpdesk
Please ensure you have a copy of this Travel Policy prior to travelling and ensure you fully understand it.
Never be left stranded again. Linked and Standalone Petro Cardholders receive free automatic AA Emergency Roadside Assistance which provides a helping hand when you experience problems with your vehicle.
Benefits include
Roadside Repair Service
Tow-in Service
For mechanical or electrical vehicle breakdowns.
These services are limited to forty (40) kilometres round trip. Thereafter, the additional kilometres are for the cardholder to pay.
Accident Towing*:
In the event of an accident, the AA's own towing fleet or an accredited tow contractor fleet of the AA will tow your vehicle from the accident scene to the nearest AA Quality Assured body repairer centre or to a client approved panel shop. This service is available 24/7/365 days a year.
*This service is not covered by FNB. The AA will facilitate the service and it will be for the cardholder's cost.
Stand By You
Courtesy Services**
**Courtesy services are covered up to a maximum of R644 inclusive of VAT for emergencies occurring more than 100 kilometres from your home.
How to use AA Roadside Assistance Service
***Petro Card number is the 16 digit number on the front of your card
Medical emergencies are stressful, never mind worrying about how you'll pay for them.
Now, there's a way we can help you.
As an FNB Gold Credit Cardholder, you can now put selected medical expenses on the budget facility of your FNB Gold Credit Card, at a reduced interest rate of 10,25%*.
In this way, we'll help you cover unexpected medical costs like GP visits, surgery or selected specialist transactions**, helping you manage your cash flow.
Here's how it works:
Want to know more? View our Frequently Asked Questions , or read our Terms & Conditions .
*Note :
The maximum amount that can be moved to the promotional budget plan is 20% of your total credit card limit.
**These specialist transactions exclude: Aesthetic, biokinetics, cosmetic, weight loss, dieticians, dermatology, skin laser, orthodontists, osteopaths, optometrists, opticians, ophthalmologists, podiatrists, chiropodists, homeopaths, nursing & personal care facilities, laboratories, pharmacies and retail stores.
5
Meet a fifth reward requirement from a new product group
4
Meet a fourth reward requirement from a new product group
3
Meet a third reward requirement from a new product group
2
Meet a second reward requirement from a new product group
1
Meet a first reward requirement from ANY product group
My Cheque | Credit card | Digital Banking | Borrow | Home and car | Start to save | Family and Insurance |
---|---|---|---|---|---|---|
The total value of your card purchases and Cash@Till® withdrawals is more than all your cash withdrawals at ATMs and branches during the month*. | Spend at least R2 500 on your credit card each month. | Make at least two financial transactions on the app. | Have used your overdraft to the amount of at least R1 000 each month. | Have a Wesbank or a WesBank account with your car on nav>>Car. Setup a debit order from your FNB Gold Cheque Account. | Have a Linked Savings Pocket or Savings Account with a balance that grows by at least R250 each month. | Have an FNB Life Policy with min cover of R400 000. Pay the premiums for your policy from your Gold Cheque account each month. |
OR |
OR |
OR |
OR |
OR |
OR |
OR |
Have at least three debit orders off your cheque account. *ALL card purchases and cash withdrawals (Cash@Till® and ATM/FNB branch withdrawals) made using your FNB Gold Credit Card and FNB Gold Cheque Card will be considered for this requirement. |
Spend at least R750 online using your credit card each month. | Have Connect spend of R200 each month. | Have a personal loan with original loan amount R10 000 where the debit order is set up from your FNB Gold Cheque Account. | Have a Home loan or a Smart bond that has a flexi facility with an outstanding balance of R75 000, where the debit order is set up from your FNB Gold Cheque Account, or there is a salary stop order set up. | Maintain a minimum monthly balance in your FNB Linked Savings Pocket or Savings Account, FNB Gold Cheque Account or FNB Fixed Deposit Account. If you have an FNB Linked Savings Pocket, Savings Account or FNB Gold Cheque Account, you'll need to maintain a monthly balance of at least R5 000. If you have an FNB Fixed Deposit Account, you'll need to maintain a monthly balance of at least R10 000. |
FNB Funeral Cover product of min R50 000. Have min two lives assured. Pay the premiums for your policy from your Gold Cheque account each month. |
15% on fuel and Uber
If you spent R1 200 on fuel in a month, at any fuel station and Uber, you'd earn eB1 800 |
15% on groceries
If you spent R2 000 at Checkers & Shoprite in a month, you'd earn eB3 000 |
1,5% on shopping
If you swiped for R1 500 on your Credit Card in a month, you'd earn eB225 |
15% on connect
If you spent R200 on Connect airtime + data in a month, you'd earn eB300 |
|||
Rand value R180 back |
Rand value R300 back |
Rand value R22 back |
Rand value R30 back |
That's a total of R532
back in eBucks and R150 on your FNB Smartphone every month
*Transacting on the FNB Banking App includes payments, transfers and purchases but excludes debit orders, deposits and viewing of accounts.
Qualifying spend excludes any device premiums linked to your contract(s).
Report a lost or stolen card within 24 hours of the incident to a dedicated, toll free, 24 hour hotline and FNB will assist in the event of a non-PIN related fraud incident on your account before the card is cancelled.
Should your card get lost or stolen, call the Lost Card hotline immediately on 087 575 9406
As a Smart Account customer, you can get FREE airtime* every month if you bank smart! Qualifying to get FREE airtime* is easy, all you need to do every month is:
Every month you can:
Terms, conditions and rules apply.
Protect 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.
Activate your card by logging on to your Online Banking profile and following these prompts:
How to use Online Secure when shopping online:
Making use of your FNB Aspire Credit Card at any of these stores rewards you with an interest rate of prime or prime +2% on selected Apple devices, golf clubs, bicycles and PlayStation consoles.
FNB will transfer the purchase to the budget facility at an interest rate of prime or prime +2%
* Apple devices also available via istore.co.za (select the device, select 'Buy on FNB' and follow the steps). Find out more on www.istore.co.za/FNB
** PlayStation consoles games and accessories are available on KOODOO.CO.ZA
Important points to remember:
*** Prefunding means the purchase was not done on credit but with your own funds. Prefunding your credit card for the purchase will not qualify the transaction for the budget plan promotional rate, specifically if the limit does not cover the purchase amount
Refer to our full Terms and Conditions.
If you respond to move to budget, the transaction and limit will be moved to budget over 6 months, at an interest rate of prime +2%
Medical expenses can be high. We can Help.
Qualifying Medical Transactions includes: any GP visits, in-hospital transactions (surgery or casualties) or selected specialist transactions.
The following specialist transactions are excluded:
Aesthetic, biokinetics, cosmetic, weight loss, dieticians, dermatology, skin laser, orthodontists, osteopaths, optometrists, opticians, ophthalmologists, podiatrists, chiropodists, homeopaths, nursing & personal care facilities, laboratories, pharmacies and retail stores.
Refer to our full Terms and Conditions
At FNB we recognise that each person's needs are unique.
For this reason we have introduced personalised and competitive debit and credit interest rates.
Terms and Conditions apply.
Enjoy the convenience of having your credit card account paid on time, every time!
Did you know that FNB Credit Card's Auto Payment Solution allows you to pay your account with ease and serves as a safety net? Have the convenience of having your credit card account paid automatically on time, every time. The Auto Payment Solution works with a 'built in' calculator which takes into account any pre-payments and deducts these amounts from the required debit order amount.
Credit cardholders can select one of two convenient Auto Payment Solutions which will be applied monthly to pay your account:
Benefits of an Auto Payment Solution:
Easy steps to maintain an Autopayment via the FNB App:
On the payment due date, your amount payable (as per the payment option you have selected) will automatically be deducted from your bank account and your credit card will be credited subject to one day "uncleared effects".
FNB Credit Card customers receive Automatic Debt Protection on the outstanding debt on their credit card in the event of death or permanent disability.
Automatic Debt Protection (ADP) | ||
Product Name | Premium | Specified Maximum Amount |
---|---|---|
FNB Petro Card (Standalone) |
No charge |
R1 000 |
FNB Aspire Credit Card |
No charge |
R5 000 |
FNB Premier Credit Card |
No charge |
R12 000 |
FNB Private Clients Credit Card |
No charge |
R12 000 |
FNB Private Wealth Credit Card |
No charge |
R12 000 |
Top-up Debt Protection Plan
Credit cards are a great way of accessing money when you really need it. FNB Petro Card (standalone only), Aspire, Premier, Private Clients and Private Wealth Credit Card holders qualify for embedded cover at no charge in the event of death or permanent disability from R1 000 to R12 000, depending on your card.
The Top-up Debt Protection Plan is designed to cover any debt on your credit card. This cover is over and above your free embedded cover for FNB Petro Card (standalone only), Aspire, Premier, Private Clients and Private Wealth Credit Card holders. Top-up Debt Protection offers cover for the FULL outstanding balance on your credit card in the event of death or permanent disability, and cover for your minimum FNB Credit Card instalments for up to 12 months in the event of temporary disability and unemployment/ inability to earn an income.
Top Up Debt Protection Plan Terms and Conditions (01 August 2017 to date)
Top Up Debt Protection Plan Terms and Conditions (Prior to 01 August 2017)
Premiums will be calculated on the average outstanding amount during the month, minus the free portion offered under Automatic Debt Protection (ADP).
All the Debt Protection Plan benefits are subject to the terms and conditions (i.e. the policy) as issued by FNB Life.
Contact 087 575 1111 for more info
The Credit Card Budget Facility is a convenient feature that allows you to choose from a range of repayment periods from 6 - 60 months
It is ideal for making larger purchases and paying it off over a longer periods of time. Any purchase in excess of R200 can be placed on budget.
The Budget Facility is linked to your FNB Credit Card and the monthly instalments are directly debited off your straight facility.
Enjoy up to 55 days interest free on purchases made on your straight FNB Credit Card facility. Purchases do not include cash transactions, traveller's cheque purchases and certain forex transactions. For a detailed list of exclusions please see the Terms and Conditions. For any card enquiries, log into the FNB App and chat to our team of bankers via Secure Chat.
Terms and conditions apply
With a Balance Transfer from FNB, you can consolidate your debt and make one repayment, as well as have a holistic view of all your payments in one statement.
Consolidate and transfer your outstanding debt (retail store debt, short term loans, personal loans and other credit card debt) into the budget facility of your FNB Credit Card and pay an interest rate of 15%.
To switch to FNB and benefit from the promotional Balance Transfer rate, apply online or call 0860 FASTAP (0860 327827)
Bank on the go safely and securely with the FNB Banking App. As a registered Online Banking user, you can access the FNB Banking App. Access the FNB Banking App for free, and you'll pay no data fees.
Manage your money:
Manage your card:
Bank safely and securely 24/7 with Online Banking.
Online Banking is the convenient, real-time way to access your accounts. Pay, transfer, trade and invest using easy online navigation - all from the comfort of your couch.
Banking Online is:
When using your Online Banking, you pay no data fees.
With Online Banking you can do your day-to-day banking:
You can also buy:
|
You can use Connect to:
You can take control and protect your account by:
You also get additional features that include:
|
View our How to register for Online Banking demo
Terms, conditions + rules apply.
Replacing your card has become convenient with our Card Delivery service. You will no longer need to go to your nearest branch to collect a replacement card for the one that was lost, stolen or damaged.
Call 087 575 1111 for information on having your card delivered to where you are.
Delivery may take 3 to 5 working days. *Delivery fees apply for Classic, Gold as well as Petro Cardholders.
Bank safely and securely anywhere, anytime with Cellphone Banking.
Access your money by banking in the palm of your hands using your cellphone. Even without your bank card, you can now do your banking via Cellphone Banking.
You'll pay no data fees when you use Cellphone Banking.
With Cellphone Banking you can do your day-to-day banking:
You can also buy:
Dial *130*321# to register and start banking on your phone today!
For assistance, call 087 575 9405 .
Terms,conditions and rules apply. .
FNB Pay
Smart, safe and fast 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.
For larger value purchases you will be required to insert your PIN as usual.
When you tap your card on the Contactless reader, your card information is transmitted and your purchase can be processed. Payments are accepted locally and abroad.
How it works
Step 1
Look out for the Contactless symbol in-store and on the point-of-sale device
Step 2
Once the cashier has tallied up your purchases and you are ready to pay, tap your card on the terminal.
Step 3
The transaction is complete when the green light displays. (Note: Some merchants have waived the need for a signature, others may ask you to sign the till receipt)
Tap your Contactless Card. It's that simple
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.
For larger value purchases you will be required to insert your PIN as usual.
SLOW Lounge Access
As an FNB Private Clients Account holder, you can enjoy access to the luxurious SLOW Domestic Lounges and SLOW International. Make a flight booking for you or your family using eBucks Travel and earn bonus Airport Lounge visits. Go to the eBucks tab on the FNB App to see how many SLOW Lounge visits you have left. To access a lounge simply generate a QR code on the FNB App and scan it at the lounge entrance.
Complimentary visits will be allocated annually from 1 July to 30 June.
Avis Point to Point
Book Avis Point 2 Point transfers - an airport transfer service ensuring you always get to where you're going in style. Depending on your reward level, you could qualify for up to five (5) bonus local airport transfers per year in an economy vehicle when you book flights with eBucks Travel online through eBucks.com or on the FNB App. Plus, when you book local or international flights for your family (of 4 or more people) with eBucks Travel, you could be upgraded to a 7-seater vehicle. Bonus Avis Point 2 Point transfers must be booked online using the Avis Point 2 Point self-service booking system on the eBucks Travel website.
Your reward level | 1 | 2 | 3 | 4 | 5 |
---|---|---|---|---|---|
Complimentary Avis Point 2 Point airport transfers per year for flights booked through eBucks Travel | 0 | 1 | 2 | 4 | 5 |
*Terms, conditions and rules apply. Visit the eBucks website for more information
Report fraudulent transactions instantly via the FNB Banking App
Smart inContact
Activate Smart inContact to receive notifications and approve transactions with the app's intelligent, interactive messaging. Have more control over your account by setting up alerts.
When an attempt is made to login to your Online Banking profile via a PC or mobile device that hasn't been verified, you'll receive a notification via Smart inContact requesting you to approve or verify the device.
If you suspect any unauthorised activity on your account you can connect to the fraud helpline immediately.
When you spend at ONE of our partners in calendar month | Have an FNB Aspire Current Account only OR Standalone Aspire Credit Card | Have an FNB Aspire Current Account & a minimum savings balance* OR credit product** |
R500 | Get R25 in eBucks | Get R25 in eBucks |
R1000 | Get extra R25 in eBucks | Get extra R25 in eBucks |
R2000 | N/A | Get extra R50 in eBucks |
R3000 | N/A | Get extra R50 in eBucks |
Total potential earn in a month | R50 in eBucks | R150 in eBucks |
How to get your reward:
Qualify for eBucks rewards, do the following for 12/12 months & R1500 towards a new pair of shoes
OR
Qualify for eBucks rewards, do the following for 10/12 months & R1000 towards a new pair of shoes
Spend at least R4 000 on your FNB Aspire Debit, Fusion or Credit Card every month | Plus do ONE of the following | Grow your FNB Savings Account by R500 every month |
Maintain an FNB Savings Account balance of at least R16 500 every month | ||
Have FNB Funeral Cover* of at least R50 000 | ||
Have FNB Life Insurance** of at least R400 000 |
Choose more value for you and your family. Get access to rewards and benefits that help you save on fuel and
groceries, while helping you prepare for the unexpected.
An Aspire Credit Card means you get more benefits, and you'll enjoy the comfort of knowing we've got you covered.
No charge for Global Travel Insurance
Move unexpected medical expenses to budget at a competitive interest rate
Access to exclusive deals at selected partners at a competitive interest rate
2 free SLOW Lounge visits per year when you book a flight with eBucks Travel
Simply qualify & start earning rewards when you spend with your FNB Aspire card at these partners every month:
An FNB Aspire Account rewards you every year with a Superbalist shoe voucher of up to R1 500 when you spend and save with us. Plus, get a KAUAI smoothie every month when you qualify.
With Aspire you can manage it all. Control your daily spend with these solutions.
The FNB Virtual Card on the FNB App is a faster, safer and more secure way to pay for online
and in-store purchases wherever you are in the world. You can create multiple virtual cards at no additional cost , to use as you need them.
Your CVV number changes every hour. Create, cancel, delete or block your card at any time.
Virtual cards can also be used for FNB Pay (Tap to Pay and Scan to Pay) and all partner wallet transactions, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, and SwatchPAY!, without the need for a physical card.
Choose more value for you and your family and earn eBucks while you spend online.
Get instant insurance for items purchased with your virtual card at no extra cost.
Tell me moreYou need to earn between R84 000 - R449 999 per year
Other ways to apply
Complete the call me back form
Find a branch
Apply on the FNB Banking App