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Budget Calculator

You need to earn between R120 000 - R349 999 p.a

FNB Gold Credit Card

You get...
23

benefitsincluding

  • Free swipes / Unlimited swipes

    Unlimited Free Swipes

    Save more when you swipe more

    Use your credit card for online and local purchases and save with every swipe!

    With an FNB Credit Card, all swipes are free! That means you save money as there are no transaction fees!

    Remember, you also earn eBucks on every swipe!


    Terms, Conditions and Rules apply.

  • inContact

    inContact

    FNB's FREE notification messaging service

    Keep track of money moving into and out of your account.

    This innovative messaging service enables you to keep track of transactions on your account, via email or SMS, and you can choose to receive your messages during the day between 7am and 8pm or 24 hours a day.

    You get to select which accounts are linked to inContact.

    Register for inContact via Online Banking or call 087 575 9404.


    Terms, Conditions and Rules apply.

  • Decline inContact

    Decline inContact

    Helping you understand your declined transactions

    Decline inContact is an innovative, free service that alerts customers to the reason your credit card has been declined.

    Decline inContact puts the power back into your hands, by suggesting a remedy to the decline.>

    This service is absolutely free and no registration is necessary.

    When in need, please call the number on the back of your credit card.


    Terms, Conditions and Rules apply.

  • Free Online Banking

    Online Banking

    Bank anywhere, anytime, at your convenience

    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 convenient as you can do most things that you can do in a branch.

    Banking online is secure. Keep track of your transactions with free inContact, OTP notifications and online protection software.

    Banking online is simple. All you need is an FNB bank account and access to the Internet.

    View our How to register for Online Banking demo

    With Online Banking you can

    • Check balances on your accounts
    • Get email statements
    • Pay traffic fines
    • Make payments to third parties
    • Set up recipients
    • Pay public recipients
    • Make once-off payments
    • Set up scheduled payments
    • Send money to an eWallet
    • Do eFiling
    • View payment history
    • Validate recipients
    • Transfer money between your accounts
    • Transfer funds to your budget facility (credit card only)
    • Buy pre-paid airtime
    • Buy Vodacom data bundles (SMS vouchers and Big Bonus vouchers)
    • Buy prepaid electricity (Eskom and selected municipalities)
    • Buy Globel international airtime
    • Buy LOTTO TM tickets
    • Buy PowerBall tickets
    • Shop online using eBucks
    • Request proof of payment
    • View your eBucks rewards
    • View Annual Price Review letters

      • Trade shares online (share trading only)
      • Buy Krugerrands
      • Sell Krugerrands
      • Change your PIN
      • Update ATM Limits
      • View Card PINs
      • Create Card PINs
      • View, change or cancel cards
      • Order additional cards
      • Request notice to withdraw on investment accounts (investment only)
      • Top up and withdraw funds from your PayPal account
      • Check Forex rates
      • Receive money from abroad
      • Send money abroad
      • Open an overdraft and increase limits
      • Buy foreign currency
      • Create secondary users
      • Contact My Banker
      • Join FNB Connect
      • Open accounts
      • Set up Balance Alerts
      • Set up Limit Alerts
      • View and update personal details
      • Order a new card when it is about to expire
      • Secure your Online Banking with Webroot
      • Adjust your ATM withdrawal limits


    Terms, Conditions and Rules apply.

  • Free Cellphone Banking

    Cellphone Banking

    Banking at the touch of a button

    Access your money anytime, anywhere using your cellphone.

    Even without your ATM card you can now do your banking via Cellphone Banking.

    As a customer you enjoy the following benefits

    • Check your balances, transfer money between your own accounts, make payments to individuals, pay monthly accounts, and even pay traffic fines
    • Withdraw cash from your FNB accounts, without the use of an ATM card
    • Buy prepaid airtime, electricity and LOTTO™
    • Free registration and subscription
    • Free inContact with every transaction (above R100)

    To register for Cellphone Banking, dial *120*321#, visit www.fnb.mobi, www.fnb.co.za, an FNB ATM, any FNB branch or contact our call centre on 087 575 9405 for assistance.

     

    Please refer to our Pricing Guide for fees on specific accounts.


    Terms, Conditions and Rules apply.

  • Free Telephone Banking

    Telephone Banking

    It's your bank on call

    As an FNB transactional account holder, you can enjoy flexible banking at your own convenience

    Speak to a telephone banking consultant or transact via the interactive voice response (IVR) line, whenever, wherever via a single access number.

    Enjoy the following benefits with telephone banking:

    • Create payment notifications to send to your recipients
    • Schedule payments to be made on a specified date
    • Buy prepaid airtime (Vodacom, MTN, Cell C and Virgin Mobile)
    • Buy Telkom airtime (local and WorldCall)

    To register - simply call 087 575 9404.

     

    Please refer to our Pricing Guide for fees on specific accounts.


    Terms, Conditions and Rules apply.

  • Automatic Debt Protection

    Automatic Debt Protection

    Protect yourself and your family from debt

    FNB Credit Card holders receive Automatic Debt Protection on the outstanding debt on their credit card in the event of death or disability.

    Benefits

    • Be excused from paying the outstanding balance on your credit card or the specified maximum amount set by the bank, whichever is lesser at the time of your death or permanent disability.
    • FREE Automatic Debt Protection covers you for the amount specified below:
    Automatic Debt Protection (ADP)
    Product NamePremiumSpecified Maximum Amount
    FNB Petro Card (Standalone) Premium: Free Specified Maximum Amount: R1 000
    FNB Classic Credit Card Premium: Free Specified Maximum Amount: R2 000
    FNB Gold Credit Card Premium: Free Specified Maximum Amount: R5 000
    FNB Platinum Credit Card Premium: Free Specified Maximum Amount: R12 000

    Additional Cover

    • Top up your protection plan and extend your maximum debt cover at a fee using the Top-up Debt Protection facility
    • The premiums below are available on the Top-up Debt Protection plan
    Top-up Debt Protection Plan (TDPP*)
    Product NamePremiumSpecified Maximum AmountTotal Cover
    FNB Petro Card (Standalone) Premium: R6 / R1 000 Specified Maximum Amount: R9 000 Total Cover: R10 000
    FNB Classic Credit Card Premium: R6 / R1 000 Specified Maximum Amount: R48 000 Total Cover: R50 000
    FNB Gold Credit Card Premium: R5 / R1 000 Specified Maximum Amount: R75 000 Total Cover: R80 000
    FNB Platinum Credit Card Premium: R5 / R1 000 Specified Maximum Amount: R88 000 Total Cover: R100 000

    *In the event that a client has Top-Up Debt Protection, and takes up either the FNB Private Clients Credit Card or FNB Private Wealth Credit Card without cancellation of the policy, the client will remain covered to a Maximum Specified Amount of R100 000, at a premium of R5/ R1 000, with no amount covered under Automatic Debt Protection.

    Premiums will be calculated on the maximum outstanding amount during the month, minus the free portion offered under Automatic Debt Protection (ADP) and limited to the Specified Maximum Amount of Top-up Debt Protection Plan (TDPP).

    All the Debt Protection Plan benefits are subject to the terms and conditions (i.e. the policy) as issued by FNB Life.

    Process

    Print and fax back the Top-up Debt Protection Plan Application Form

    OR

    Contact 087 575 1111 for more info


    Terms, Conditions and Rules apply.

  • Personalised interest rates

    Personalised interest rates

    Lower, competitive rates

    At FNB we recognise that our clients have individual needs.

    For this reason we offer you personalised and competitive debit and credit interest rates of up to 3% lower than other products - calculated for the individual, not the product.


    Terms, Conditions and Rules apply.

  • 55 days interest free

    55 days interest free

    Take a break with no interest

    With FNB you can now enjoy up to 55 days interest free on your straight facility purchases*.

    *Purchases exclude cash transactions, traveller's cheque purchases and certain forex transactions. Please see Terms and Conditions for detailed exclusions.

    For any credit card enquiries, call us on 087 575 1111, email us at fnbcard@fnb.co.za or visit your nearest FNB branch . For fast applications, you can call 0860 FASTAP (327827).


    Terms, Conditions and Rules apply.

  • Comprehensive Global Travel Insurance

    Comprehensive Global Travel Insurance

    Comprehensive Global Travel Insurance will keep you covered no matter where you go in the world, when you purchase your travel tickets on your FNB Cheque or Credit Card.

    To qualify for Comprehensive Global Travel Insurance:

    • You require a qualifying FNB Cheque or Credit Card with which to pay for your travel tickets

    Which cards qualify* for FNB's Comprehensive Global Travel Insurance?

    • FNB Gold Credit Card
    • FNB Platinum Cheque Account or Credit Card
    • FNB Private Clients Cheque Account or Credit Card
    • FNB Private Wealth Cheque Account or Credit Card
    • RMB Private Bank Cheque and Credit Card

    *For FNB Classic Credit Card Cover, go to the Global Travel Insurance page

    Why do I need this?

    Use your FNB Credit or Cheque Card to purchase a local or international travel ticket and get FREE Comprehensive Global Travel Insurance. SAVE on your insurance and be conveniently covered for the first 90 days of your journey.

    With Comprehensive Global Travel Insurance you get:

    FNB Gold Credit Card:

    • Up to R5 million for medical expenses
    • Personal liability cover of up to R1 million
    • Cover in the event of accidental death, pre-existing medical conditions, total permanent disablement, cancellations, travel delays and lost, stolen or damaged baggage
    • For more information view the Global Travel Insurance Policy together with the Gold Comprehensive Schedule of Benefits

    FNB Platinum, Private Clients and Private Wealth Credit Card

    • Up to R10 million cover for medical expenses
    • Personal liability cover of up to R2.5 million
    • Cover in the event of personal accidents, cancellations, travel delays and lost, stolen, or damaged baggage

    How do I get Comprehensive Global Insurance?

    This offer is available to FNB Cheque and Credit Card holders, below the age of 70* and credit cardholders, who have not yet turned 71* who are residents of any of the below countries:

    • South Africa
    • Botswana
    • Lesotho
    • Namibia
    • Swaziland

    For assistance contact:

    • Global Travel Insurance Help Desk: 0861 490 100
    • Europ Assistance: +27 11 991 8409 ('Reverse-charge' your call using this number when from anywhere in the world)

    If you are over 70, FNB provides a special type of insurance to suit your needs. For more information view the Global Travel Insurance Policy with the Senior Schedule of benefits

    Travel Policy

    View the Comprehensive Global Travel Insurance Policy
    • Please ensure you have a copy of this Travel Policy prior to travelling and ensure you fully understand it.
    • The Travel Policy is obtainable below and from the Comprehensive Global Travel Insurance Help desk.
    • For more information, please contact the Global Travel Insurance Help Desk on 0861 490 100.

    For additional cover amounts. we have another option you can choose from in our Optimum Options cover .

    For your travel insurance policy, please note the following:

    • Each single purchase of travel tickets by the cardholder is limited to a maximum of 10 policies being issued
    • As certain FNB products may be excluded from the benefits under the Travel Policy, it is advisable for the cardholder to contact the Global Travel Helpdesk prior to the purchase of the travel tickets to confirm what they qualify for
    • Please see the Terms and Conditions with regards to free travel insurance and eBucks payments


    Terms, Conditions and Rules apply.

  • Earn eBucks

    Your FNB Credit Card and eBucks Rewards

    Your FNB Credit Card and eBucks Rewards.

    Seeing Double?

    You could earn DOUBLE the eBucks when making purchases using your FNB Credit Card as opposed to using your FNB Cheque Card. AND what's more is that every swipe is free. Happy swiping.

    What's more, if you hold matching products (e.g. Gold Cheque Account and Gold Credit Card) your linkage to rewards will be FREE.

    In addition to your credit card swipes you can also earn:

    • Double eBucks for shopping online
    • Double eBucks for international shopping
    • Up to 15% back in eBucks when you fill up with fuel at any fuel station or when using Uber domestically
    • Up to 15% back in eBucks when you purchase prepaid electricity or airtime through FNB
    • Up to 15% back in eBucks when you shop at Checkers & Shoprite
    • Earn up to 50% back on FOREX Online Payment Fees
    • Earn up to 100% back on FOREX Standing instruction fees

    You can then spend your eBucks on just about anything at the various eBucks in-store and online partners. For more details visit the eBucks website

    Qualify to get up to 40% off everything in the eBucks Shop and on selected local and international flights through eBucks Travel.

    How to start earning:

    1. Link your credit card to earn eBucks (a Credit Card Monthly Rewards Fee may be charged*)
    2. Meet the qualifying criteria (visit www.eBucks.com to see qualifying criteria)
    3. Collect points by simply swiping your FNB Credit Card
    4. Get rewarded

    Remember, in order to maximise your eBucks earn, you need to hold matching FNB Cheque and Credit Cards (e.g. FNB Platinum Cheque Account and Platinum Credit Card).

    *To link your credit card to eBucks call us on 087 320 3200 or visit www.eBucks.com. A Credit Card Monthly Rewards Fee of R16.50 may be charged in order to link your FNB Credit Card to earn eBucks. FNB Classic, Platinum Bundled, Private Clients and Private Wealth customers will not be charged the Credit Card Monthly Rewards Fee. Terms, Conditions and Rules apply.


    Terms, Conditions and Rules apply.

  • Autopayment Solution

    Auto Payment Solution

    The Credit Card safety net

    Have 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 six convenient Auto Payment Solutions which will be applied monthly to pay your account:

    • Full Straight Account Balance - Pay the full outstanding straight facility balance on your credit card
    • Fixed Amount - Allows you to pay a fixed amount of your choice. (Please note that this amount cannot be less than the minimum amount owed)
    • Full Amount - Settles the full outstanding balance including your budget instalment(s) for the relevant month
    • Full Straight Statement Balance - Settles the full amount outstanding on the straight facility as indicated on your statement
    • Minimum Payment Amount Due - Only the minimum amount outstanding on your account is deducted ie 5% of your full outstanding balance
    • Percentage Payment - This option allows you to select what percentage of your outstanding balance you would like to be processed every month, this amount can be anything from 5% - 100%

    Benefits of an Auto Payment Solution:

    • Paying your credit card via a debit order will not attract any transactional fees/charges on your FNB Credit Card (exclude cash withdrawal, fuel transactions, EFT's and casino transactions)
    • Save time and money
    • Convenience and peace of mind that your account is paid regardless of where you are

    Easy steps to set up an Auto Payment Solution:

    • Log on to your internet banking profile and click on My Bank Account, then My Accounts
    • Select the relevant credit card and click on Settings
    • Then click on Auto Payment Solution and select your Auto Payment Option
    • You will then be required to enter the details of the account from which you want to make the payment
    • A confirmation screen will pop up, click on Confirm and then Finish

    Or

    • Call the number on the back of your credit card, and you will be asked to provide us with the following information (If you are paying from an FNB Account you will not need all the information indicated below)
      - Bank name
      - Branch name
      - Branch code
      - Account type
      - Bank account number
      - Name and surname
      - Your FNB Credit Card account number (16 digits)
      - Payment option, i.e. amount you wish to be debited monthly - (Full Straight Account Balance, Fixed Amount, Full Straight Statement Balance, Minimum Payment Amount Due, Percentage Payment) A cancelled cheque / Bank Statement

    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".


    Terms, Conditions and Rules apply.

  • Fuel Rewards and Airtime Rewards

    FNB Rewards for Smart Account

    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:

    • Have an active Smart Account that is in good standing
    • Deposit at least R1 000 into your Smart Account and spend R300 or more using your Smart Account Card

    Every month you can:

    • Earn R5.00 airtime for every R100 you spend using your FNB bank Card at Shoprite & Checkers; and
    • Earn R5.00 airtime for every R100 airtime you buy using eChannels and Mobile Channels; and
    • Earn R5.00 airtime for doing your banking using eChannels and Mobile Channels (instead of visiting a branch and doing a transaction at the counter); and
    • Earn R5.00 airtime for drawing more cash using Cash@TillTM rather than using an ATM


    Terms, Conditions and Rules apply.

  • Balance Transfer Option

    Balance Transfer

    Consolidate your debt at 9.9% for the first 9 months

    Using a Balance Transfer, you are able to shift all your outstanding debt into the budget facility on your FNB Credit Card.

    Use the Balance Transfer payment table to get an indication of your repayments.

    Period 18 Months 24 Months 30 Months 36 Months 42 Months 48 Months 54 Months 60 Months
    R 4,000 R 240 R 184 R 151 R 129 R 113 R 101 R 92 R 85
    R 5,000 R 300 R 230 R 189 R 161 R 141 R 127 R 115 R 106
    R 6,000 R 360 R 277 R 227 R 193 R 170 R 152 R 138 R 127
    R 8,000 R 480 R 369 R 302 R 258 R 226 R 203 R 184 R 170
    R 10,000 R 600 R 461 R 378 R 322 R 283 R 253 R 230 R 212
    R 12,000 R 720 R 553 R 453 R 387 R 399 R 304 R 276 R 254
    R 14,000 R 840 R 645 R 529 R 451 R 396 R 354 R 322 R 297
    R 16,000 R 960 R 738 R 604 R 516 R 452 R 405 R 368 R 339
    R 18,000 R 1,080 R 830 R 680 R 580 R 509 R 456 R 414 R 382
    R 20,000 R 1,200 R 922 R 755 R 644 R 565 R 506 R 460 R 424
    R 30,000 R 1,800 R 1,383 R 1,133 R 967 R 848 R 759 R 691 R 636
    R 40,000 R 2,400 R 1,844 R 1,511 R 1,289 R 1,131 R 1,013 R 921 R 848
    R 78,000 R 4,681 R 3,596 R 2,946 R 2,513 R 2,205 R 1,975 R 1,796 R 1,653

    * Subject to Terms and Conditions, (This table is purely for illustrative purposes and is based on assumed repayment period, transfer amount and monthly instalment. It is not necessarily indicative of the amount you will be responsible for).

    To apply call 0860 BT CARD (282 273) during office hours.


    Terms, Conditions and Rules apply.

  • Visa Global Customer Assistance Service

    Visa Global Customer Assistance Service

    Friendly assistance wherever you go in the world

    Through the Global Customer Assistance Service (GCAS) programme, Visa provides high-quality assistance to Visa cardholders when they travel overseas.

    This is a multilingual service and is available globally, 24-hours a day, 365 days a year.

    The services available include:

    • Lost and stolen card reporting
    • Emergency card replacement
    • Emergency cash payout for up to USD $5000

    If you need assistance please call 0800 990 475 or +1(0) 410 581 9994 from anywhere in the world.
    Or alternatively send an email to: cardcancellationqueries@fnb.co.za for Lost / Stolen Card and Emergency Card Replacement
    or
    email cancellations@fnb.co.za for Emergency Card Authorisation


    Terms, Conditions and Rules apply.

  • Debt Relief Solutions

    Debt Relief Solutions

    Increase your monthly cash flow and lower your credit card repayments, or just get assistance with repaying your credit card debt

    FNB can help you consolidate your credit card debt, short term debt and retail accounts with a solution that is right for you. You'll have extra cash at your disposal and know exactly how much you owe every month! These options are also useful when you are struggling to meet your repayment requirements.

    Steps to finding your ideal debt solution :

    • Choose a Debt Relief Solution
    • Calculate the amount you would like to consolidate
    • Choose the repayment period you want
    • Set up a Auto-Payment Solution

     

    There are 4 solutions to choose from:

    Straight-2-Budget: Consolidate your total straight balance and your budget balance into one Budget Plan and reschedule your payments over 6-60 months at your current budget interest rate.

    Simply call 087 575 1111 and ask for the Straight-2-Budget Debt Relief Plan!

     

    Budget Plan Consolidation: Simply consolidate your multiple budget facilities into one and reschedule your repayments over a shorter or longer period at a set interest rate. This solution allows you to lower your monthly credit card budget facility repayments over a 6 - 60 months.

    Call 087 575 1111 and ask for Budget Plan Consolidation.

     

    Balance Transfer: Consolidate any retail, store, short term or personal loan that you may have and transfer it onto your budget facility at a promotional rate for the first 9 months!

    Call 0860 BT CARD (28 2273) today and use your FNB Credit Card to pay back your debt in a manageable and timely fashion with a Balance Transfer at a promotional rate for the first 9 months!

     

    Credit Card Assist Plan: You get the peace of mind of choosing a repayment period from 6 - 96 months, enabling you to pay off your credit card balance in a timeframe that suits you!

    Call 087 575 9432 and ask for the Credit Card Assist Plan - giving you the power to settle your credit card balance on your own terms!


    Terms, Conditions and Rules apply.

  • Lost Card Protection

    Lost Card Protection

    Protection in the event of a lost or stolen credit card

    Report a lost or stolen card within 24 hours of the incident to the dedicated, toll free, 24 hour hotline! FNB will assist in the event of a non-PIN related fraud incident on your account.

    In the event of your card being lost or stolen:

    • Call the Lost Card hotline immediately on 087 575 9406
    • Please note that this protection may not apply if it is determined that you were careless in protecting your card or PIN


    Terms, Conditions and Rules apply.

  • Online Secure

    Online Secure

    Protect your FNB Cheque 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 FNB cheque card, you must be an Online Banking user.

    Activate your card by logging on to your FNB Online Banking profile and following these prompts:

    • Go to the My Bank Accounts tab
    • Select the My Cards sub tab
    • Locate the card you would like to activate and select Activate Now under the Online Secure column
    • Follow the easy steps
    • Select I accept and agree to the Disclaimer above
    • Select Finish on the Activation Results screen

    How to use Online Secure when shopping online:

    Once activated, proceed to the checkout.

    • Type in your 16 digit FNB card number when prompted.
    • You will then be asked for a One Time PIN (OTP) which you will receive via SMS.
    • Finalise your purchase

    Online Secure FAQ's

    Consumer Disclaimer


    Terms, Conditions and Rules apply.

  • Free Budget Facility

    Free Budget Facility

    Pay off your debt over more time

    A Budget Facility is a convenient feature that allows you to choose from a range of repayment periods. It is ideal for those who would like to make larger purchases, which they want to pay off over time.

    Credit Card Budget Calculator


    Terms, Conditions and Rules apply.

  • Free Card delivery

    Free Card Delivery

    Have your card delivered to your doorstep

    Whether you're at work or home, we'll bring your card to you

     

    Are you applying for a new credit card? Do you need to replace a lost, stolen or damaged card?

    Call 087 575 1111* for more information or for instructions on how to have your card delivered wherever you want - no more queuing.

    Delivery may take 3 to 5 working days. Delivery fees apply for Classic Credit Cardholders.

    *If you still have your current card, you can call the relevant number at the back of your card for assistance.


    Terms, Conditions and Rules apply.

  • Total Guard Maintainence

    Total Guard Maintenance

    Cover up to 3 electronic or home appliances plus 2 additional future items

    For less than R20 per month you could be covered for items bought with your FNB Credit Card. This cover includes 2 additional items that you may purchase in the future.

    If your products are still covered by their original warranty, Total Guard will liaise with the manufacturers and get your products repaired. If they are out of warranty, Total Guard will arrange collection and repair

    Choose from two pricing options for the FNB Total Guard Home Maintenance Plan:

    • R18.95 - 3 products excluding Plasma/LCD
    • R32.95 - 3 products including 1 Plasma/LCD

    The monthly premium will be debited from your Credit Card

    For all Sales and Service queries please call us on 0861 746 222.


    Terms, Conditions and Rules apply.

  • AA Emergency Roadside Assistance with linked Petro Card

    AA Emergency Roadside Assistance

    Never be left stranded again

    FNB Petro Card holders receive free automatic AA Emergency Roadside Assistance, which provides a helping hand when experiencing problems with your vehicle.

    Benefits

    Roadside Repair Service:

    • Re-fuelling petrol up to ten litres
    • Restarting a flat battery
    • Changing flat tyres
    • Key lock-out service

    Tow-in Service - for mechanical or electrical vehicle breakdowns up to a maximum of R1000

    *If you are involved in an accident, the AA will arrange for your vehicle to be towed to the nearest AA approved repair centre or to a destination of your choice. You will be responsible for the costs incurred.

    Stand By You:

    • Request this service when your car breaks down and an armed security guard will stay with you until the AA patrolman arrives
    • In addition to personal protection, this service reduces the risk of hijacking and vandalism whilst you're on the side of the road

    Courtesy Services**:

    • Car hire
    • Overnight accommodation for you and four other passengers
    • Transportation or the cost covered for you to collect your repaired vehicle

    **Courtesy services are covered up to a maximum of R500 for emergencies occurring more than 100 kilometers from your home.

    How to use AA Roadside Assistance Service

    • In an emergency please call 0860 70 60 50 and supply your Petro Card number*** to the consultant
    • An AA appointed contractor will be sent to provide you with assistance
    • Upon the contractors arrival please produce your Petro Card and proof of identity for the service

    ***Petro Card number is the 16 digit number on the front of your card


    Terms, Conditions and Rules apply.

  • Free subscription to FNB APP

    The FNB Banking APP

    Unparalleled simplicity and convenience

    As a registered Online Banking user, you can access the FNB Banking App

    Download the free app for Android™, Apple™,BlackBerry™ and Nokia™ Symbian devices*.

    Using the Free FNB Banking App you can

    • Make and receive Geo Payments
    • Set up Stop Payments
    • Make payments and transfer funds
    • View transfer and payment history
    • Send money
    • Contact your Relationship Banker
    • View accounts and detailed balances
    • Locate FNB branches or ATMs
    • Access an FNB directory
    • Make and receive calls
    • Send and receive messages
    • Buy prepaid products
    • Top up your FNB Connect accounts
    • Purchase FNB Connect ADSL bundles
    • View foreign exchange rates

    For queries please email: fnbappsupport@fnb.co.za
    To find out how to link your device call: 087 575 0362

    View the software license agreement and remote banking agreement

    *Android devices include HTC, Samsung, LG, Motorola, Sony Ericsson and Huawei. BlackBerry devices include the Torch, Storm, Bold and Curve that are OS5 or higher


    Terms, Conditions and Rules apply.

  • Visa Privileges

    Visa Privileges

    Visa - your perfect companion

    Enjoy more from life, whether you're travelling or at home.

    Your Visa Credit Card offers an excellent selection of travel, dining, shopping and lifestyle opportunities.

    While on your travels, should you have a medical emergency or your credit card is lost or stolen, you have access to an international support network to assist you: Visa Global Customer Assistance Service (GCAS) - 0800 990 475.

    Find out more about Visa privileges.


    Terms, Conditions and Rules apply.

  • See all benefits

The Gold Credit Card offers free Comprehensive Global Travel Insurance, Automatic Debt Protection and higher credit limits. You have worked hard to enjoy Gold Status, now it's time to enjoy the benefits

What the Gold Credit Card offers me

  • Higher Credit Limits and a personalised credit limit of between R10 000 and R60 000
  • Up to 55 days interest free
  • Free unlimited swipes
  • eBucks Rewards - Earn up to 1.5% back in eBucks on your local shopping, up to 3% back when you shop online or internationally, up to 15% back in eBucks on your fuel, prepaid airtime, Checkers & Shoprite spend and domestic Uber spend.
  • More value
  • A number of free value added services like Comprehensive Global Travel Insurance, Automatic Debt Protection, inContact and Declined inContact.

What this allows me to do

  • Free subscriptions to Cellphone, Telephone and Online Banking
  • Purchase goods and services locally, internationally and online
  • Free budget facility. 6 - 60 months to pay

Gold Credit Card Benefits and Savings Summary

What will it cost me

View the full Pricing Guide

Legal

Terms and Conditions effective 1st July 2015.

Afrikaans Terms and Conditions effective 1st July 2015.

Effective 01 July 2015

Credit Cards
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