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Terms and Conditions


Terms and conditions apply

Find a branch


Compare FNB Credit Cards


Gold
Premier
Private Client
Private Wealth
Income per year R84,000 - R299,999 Income per year R350,000 - R749,999 Income per year R750,000m - R1,499,999 Income per year R1.5m or more

Card-specific benefits

Automatic Debt Protection Yes Yes Yes No No
FREE Take Me Home No No Yes Yes Yes
Comprehensive Global Travel Insurance No Yes Yes Yes Yes
Global Travel Insurance Yes No No No No
Financial specialist support No No No Yes Yes
Access to SLOW Lounges No No Yes Yes Yes
Access to Bidvest Premier Lounges No No No No Yes

Principal benefits

Earn eBucks No Yes Yes Yes Yes
Earn Airtime Yes No No No No
FREE unlimited swipes Yes Yes Yes Yes Yes
Personalised Interest Rates Yes Yes Yes Yes Yes
55 Days Interest FREE Yes Yes Yes Yes Yes
Apply Now! Apply Now! Apply Now! Apply Now!

Gold Credit Card is the most rewarding choice


Type of Purchase Gold Credit Card Gold Cheque Card
Shopping online Earn up to 1.5% back in eBucks No eBucks
Everyday shopping Earn up to 1.5% back in eBucks No eBucks

FREE Comprehensive Global Travel Insurance


Comprehensive Global Travel Insurance will keep you covered no matter where you go in the world, when you purchase your return travel ticket(s) on your credit card you will get up to R10 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.

Which cards qualify for our Comprehensive Global Travel Insurance?

  • Gold Credit Card
  • Premier Cheque and Credit Card
  • Private Clients Cheque and Credit Card
  • Private Wealth Cheque and Credit Card
  • FNB Fusion Premier Account
  • FNB Fusion Private Client Account
  • FNB Fusion Private Wealth Account

Why do I need this?

Save on your insurance and be conveniently covered for the first 90 days of your journey.

How do I get Comprehensive Global Travel Insurance?

To qualify for Comprehensive Global Travel Insurance you require a qualifying FNB Cheque, FNB Fusion or Credit Card with which to pay for your travel ticket.

Process

  • Purchase your return travel ticket(s) using your qualifying FNB card
  • Obtain your policy by:
    • Contacting the Global Travel Insurance Help Desk on: 0861 490 100
    • For emergency assistance while on travel contact Europ Assistance on: +27 11 991 8409 ('Reverse-charge' your call using this number from anywhere in the world)

This offer is available to FNB Cheque, FNB Fusion or Credit Card holders, below the age of 70* and credit card holders, who have not yet turned 71* who are residents of any of the below countries: South Africa, Botswana, Lesotho, Namibia, and Swaziland.

With Comprehensive Global Travel Insurance you get:

  • Up to R10 million cover for medical expenses
  • Personal liability cover of up to R2.5 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 Premier, Private Clients and Private Wealth Comprehensive Schedule of Benefits

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 . 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

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 include:

  • 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


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

  • 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.

Earn & spend your eBucks


Did you know you can earn eBucks when you spend your eBucks at Makro?

Plus, if you don't have enough eBucks you can part pay with your FNB Credit Card to receive the 10% fixed interest rate when using your budget facility for purchases between R2 500 and R15 000 in-store or online.

Get your Makro card today


Don't have a Makro card?
Get your Makro card on the Makro mCard app or in-store today in order to start shopping.

Budget facility


Using the budget facility on your credit card is easy. Once you have purchased your goods, choose a repayment period between 6 to 60 months.

Don't have a budget facility on your credit card? Log in to online banking and do a limit shift on your credit card profile.

Simply wave and pay


It's simple, smart and convenient.

Contactless technology allows you to make fast and secure payments for low value purchases by simply waving your card in front of a contactless enabled Point-of-Sale (POS) terminal.

Need to pay for a high value purchase? No problem. For your safety it simply means that you will be required to insert your PIN as usual.

What is Contactless Technology?

Embedded in your FNB Contactless Credit Card is a special chip and antenna. When you wave your card in front of the Contactless reader, your account information is transmitted via short range radio frequency. It's safe, simple and fast.

Why is it a better way to pay?

  • It's easy to use - Simply wave and pay
  • It's completely secure - your FNB Contactless Credit Card is just as secure as any other Chip & PIN card that carries multiple layers of security.
  • You have total control of the transaction and your money because your card never leaves your hand
  • Contactless payments are up to 4 times faster than normal credit card payments which mean spending less time in queues.

Pay with your FNB Contactless Credit Card in three easy steps;

  1. Lookout for the Contactless symbol in-store and on the Point-of-Sale (POS) terminal.
  2. Once the cashier has tallied up your purchases and you are ready to pay, hold/wave your card within 4cm of the Contactless Reader for a few seconds.
  3. The transaction is complete once the green light appears. (Note: Some merchants have waived the need for a signature, others may ask you to sign the till receipt)

Where can I use my Contactless Credit Card?

Your FNB Contactless Credit Card is accepted at merchants locally and internationally displaying the Contactless symbol.

As an additional security feature, the first time you use your FNB Contactless Credit Card, you will be asked to insert your PIN, and thereafter all low value transactions at a Contactless retailer will not require a PIN

FNB Contactless Credit Card FAQs

A credit card that gives you more

Earn between R84 000 - R299 999 per year.

Get exceptional value for money with a Gold Credit Card. You get free membership to unbeatable rewards and benefits that allow you to save on fuel and groceries, while helping you be prepared for life's unexpected challenges.

  • FREE eBucks Rewards
  • FREE Automatic Debt Protection
  • FREE Comprehensive Global Travel Insurance
  • FREE Subscription to FNB Online & FNB Banking App
  • FREE Coupons on the FNB Banking App
  • FREE Unlimited Card Swipes

Unbeatable rewards


Gold gives you even more rewards with your credit card


eBucks Rewards enables you to be rewarded for doing everyday things like shopping, filling up with fuel or loading FNB Connect airtime.

Make the most of eBucks by using your credit card:

  • When you swipe in-store and online
  • To get greater discounts
  • Earn more eBucks as you move up the reward levels
  • Qualify to get eBucks Discounts

Once you qualify to start earning eBucks at any eBucks online and in-store partners you can spend you eBucks on groceries, fuel, clothing and medicine with Dischem, Checkers, Shoprite and more. Plus, you can shop online at the eBucks Shop and book exciting holidays with eBucks Travel.


Download the eBucks Rewards guide for Gold Accounts
 
 

Get 24/7 control


Gold puts you in control

The FNB Banking App gives you an unparalleled user experience. The best part? You can manage your credit card on the go, 24/7 and do banking anytime, anywhere.

With the FNB App you can:

  • Increase credit limit
  • Download statements
  • Temporarily block, unblock, cancel, or order a new card
  • Report fraud

What's hot


Gold has got you covered

FREE Comprehensive Global Travel Insurance

You get cover that ensures your holiday remains worry free

Read more

Automatic Debt Protection

Your debt is covered in case of unforeseen circumstances

Read more

AA Emergency Roadside Assistance

Get various roadside benefits when you link your Petro Card

Read more

SA's best digital bank


It's easy + secure with gold

Manage your credit card anywhere, any time with free subscription to banking channels.

Applying made easy


Ready to get your hands on Gold?

Qualifying criteria

Annual salary between R84 000 - R299 999

Ways to apply

Apply now!

Other ways to apply

Complete the call me back form

Contact us

Find a branch

Documents needed

  • Copy of your recent payslip
  • Three months' bank statements
  • South African ID book/card
  • Proof of residence

FNB Gold Credit Card & eBucks Rewards


As of 1 July 2017, we've made it really easy to earn eBucks, to move up rewards level and earn even more eBucks. For each additional qualifying product you have from a different product group, you'll move up a reward level.

There are three steps you need to follow to earn eBucks.

  1. Qualify
    You'll need to meet the qualifying requirements that are specific to your FNB Gold Account(s). The Reward level requirement for your credit card are : Spend at least R2500 on your FNB Gold Credit Card or spend at least R750 online using your Gold Credit Card each month
  2. Move up a reward level
    Once you have qualified you can move up a reward level by holding products from 5 rewards level. For each additional requirement you meet from a different reward level group, you'll move up a reward level.
  3. Earn
    Once you have qualified and your reward level has been determined, you are ready to earn eBucks.

Earn eBucks according to your reward level

 
Your reward level 1 2 3 4 5
Reward rates
Credit Card purchases 0.3% 0.5% 0.7% 1% 1.5%
Checkers & Shoprite 1% 2.5% 5% 7.5% 15%
Fuel and Uber 1% 2.5% 5% 7.5% 15%
FNB Connect contracts and prepaid airtime 1% 2.5% 5% 7.5% 15%
FNB Life 1% 2.5% 5% 7.5% 15%
FNB Forex 5% 10% 20% 30% 50%

For more information visit www.eBucks.com

Personalised Credit Limit


We understand that needs differ and that situations can change at any moment.

Whether you need cash upfront for a well-deserved holiday, to renovate your home or to pay for an emergency situation, you don't always need to save for months beforehand to have the cash available.

Classic

With your FNB Classic Credit Card you could qualify for a limit of up to R30 000 depending on your needs and affordability

Gold

With your FNB Gold Credit Card you could qualify for a limit of up to R80 000 depending on your needs and affordability

Premier

With your FNB Premier Credit Card you qualify for a personalised limit depending on your needs and affordability

Get what you need while staying in control with a budget that best suits you.

55 Days Interest FREE


An interest free period on a credit card is the period in which you can purchase using your credit card without having to pay interest on those purchases.

To avoid paying any interest on purchases made with your credit card you must pay your full closing balance by the payment due date every month, failure to clear the full balance on your credit card will mean you will lose the 55 interest free period for your next and current statement period.

Automatic Debt Protection


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

  • You will be protected against legal action for a specified amount on your credit card debt, or the full amount owing should it be less than the amount specified by the bank in the event of death or permanent disability.
  • Free Automatic Debt Protection covers you for the amount specified below in the event of your death or permanent disability:

Automatic Debt Protection (ADP)    
Product Name Premium Specified Maximum Amount
FNB Petro Card (Standalone)
FREE
R1 000
FNB Classic Credit Card
FREE
R2 000
FNB Gold Credit Card
FREE
R5 000
FNB Premier Credit Card
FREE
R12 000
FNB Private Clients Credit Card
FREE
R12 000
FNB Private Wealth Credit Card FREE
R12 000

Additional Cover

  • You can top up your protection plan and extend your debt cover at a minimal fee using the Top-Up Debt Protection Plan.

The premiums below are available on the Top-up Debt Protection Plan

Top-up Debt Protection Plan (TDPP)  
Product Name Premium
FNB Petro Card (Standalone)
R4.50 / R1 000
FNB Classic Credit Card
R4.50 / R1 000
FNB Gold Credit Card
R4.50 / R1 000
FNB Premier Credit Card
R4.50 / R1 000
FNB Private Clients Credit Card
R4.50 / R1 000
FNB Private Wealth Credit Card R4.50 / R1 000

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

Terms, conditions and rules apply.

Unlimited FREE swipes


Swipe at no cost and earn rewards. Just for doing everyday things like buying bread & milk. Use your credit card for all your online and everyday purchases and save with every swipe!

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

Remember, you also earn eBucks on every swipe!

Comprehensive Global Travel Insurance


Comprehensive Global Travel Insurance will keep you covered no matter where you go in the world, when you purchase your return travel ticket(s) on your credit card you will get up to R10 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.

Which cards qualify for our Comprehensive Global Travel Insurance?

  • Gold Credit Card
  • Premier Cheque and Credit Card
  • Private Clients Cheque and Credit Card
  • Private Wealth Cheque and Credit Card
  • FNB Fusion Premier Account
  • FNB Fusion Private Client Account
  • FNB Fusion Private Wealth Account

Why do I need this?

Save on your insurance and be conveniently covered for the first 90 days of your journey.

How do I get Comprehensive Global Travel Insurance?

To qualify for Comprehensive Global Travel Insurance you require a qualifying FNB Cheque, FNB Fusion or Credit Card with which to pay for your travel ticket.

Process

  • Purchase your return travel ticket(s) using your qualifying FNB card
  • Obtain your policy by:
    • Contacting the Global Travel Insurance Help Desk on: 0861 490 100
    • For emergency assistance while on travel contact Europ Assistance on: +27 11 991 8409 ('Reverse-charge' your call using this number from anywhere in the world)

This offer is available to FNB Cheque, FNB Fusion or Credit Card holders, below the age of 70* and credit card holders, who have not yet turned 71* who are residents of any of the below countries: South Africa, Botswana, Lesotho, Namibia, and Swaziland.

With Comprehensive Global Travel Insurance you get:

  • Up to R10 million cover for medical expenses
  • Personal liability cover of up to R2.5 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 Premier, Private Clients and Private Wealth Comprehensive Schedule of Benefits

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 . 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

Comprehensive Global Travel Insurance


Get free Comprehensive Global Travel Insurance that will keep you covered no matter where in the world you go, when you purchase your return travel tickets using your FNB Credit Card.

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

  • Gold Credit Card
  • Premier Cheque Account or Credit Card
  • Private Clients Cheque Account or Credit Card
  • Private Wealth Cheque Account or Credit Card
  • Why do I need this?

    Use your FNB Credit Card to purchase a local or international return travel tickets 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:

  • Up to R5 million cover 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
  • Important Information and contact details

    Please obtain a copy of the Travel Policy prior to travelling and ensure you fully understand its contents. The Travel Policy is obtainable below and from the Comprehensive Global Travel Insurance Help Desk. If anything is unclear, or you need help, please contact the Global Travel Insurance Help Desk on 0861 490 100

    Free schedule of benefits - up to and including the age of 70

    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. These documents are also available from the Global Travel Helpdesk.

    Travel Policy

    Schedule of benefits - Seniors

    If you need assistance (from anywhere in the world) you can "reverse-charge" your call to Europ Assistance on the following number: +27 11 991 8409.
    Terms, conditions and rules apply.

    Take Me Home


    The FNB Take Me Home service provides a designated driver service to our FNB Standalone Petro Card holders and linked Premier, Private Client and Private Wealth Petro Card holders.

    The service is underwritten by EuropAssistance and is designed to get our clients home safely in times that they are not able to drive themselves.

    The Take Me Home drivers are equipped with cellphones and will safely transport you and your vehicle to a destination within a 50km radius of city centres in which they operate. Currently this service is available in Durban, Johannesburg, Cape Town, Port Elizabeth, East London, Pretoria and George.

    Benefits

    • Linked Premier and Private Clients Petro Cardholders get access to 6 trips per annum and linked Private Wealth Petro Cardholders get access to 10 trips per annum
    • Available to each Petro card holder and up to a maximum of two guests who can be collected from a single pick-up point and transported to a single drop-off point
    • Additional passengers can be accommodated in larger vehicles, provided there are seatbelts available for each of the passengers in the car

    Operating Hours
    Bookings are open until 02H00, seven days a week.

    Peak Periods & Public Holidays Off-peak Periods
    Please book at least 48 hours in advance where possible and no less than 2 hours in advance in the case of last minute arrangements. Peak period times are Thursday evenings to Sunday mornings as well as public holidays (the night before and on the day). Peak periods also apply in instances where major public events, such as sporting events and concerts occur within the service area. Please book at least 1 hour in advance. Off-peak times are Sunday evenings to Thursday mornings.

    Additional Charges

    • If the number of annual covered trips are exceeded, the service can still be used at a charge of R450 (excluding VAT) per trip
    • If the trip exceeds 50km, an additional fee will be charged to the card holder's account

    Additional Charges

    • Cancellations
    • Bookings can be cancelled up until 60 minutes before the arranged collection time
    • Any booking cancelled within 60 minutes of the collection time will be deducted from the total amount of covered trips per card holder or billed at the full rate

    Process

    To make a booking contact Take Me Home on 0861 643 278

    1. Provide your card number
    2. Specify your pick-up point and collection time
    3. Specify your destination drop-off point
    4. Provide a primary and secondary contact number
    5. Provide the registration number, make and colour of the vehicle
    6. Once a pick up point has been arranged, Take Me Home will notify the card holder when the driver arrives. The card holder and guests have 15 minutes to meet the designated driver and begin the trip home

    Terms, conditions and rules apply.

    Online Secure


    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.

    Online Secure is a free service and can easily be activated from your Online Banking profile.


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

    1. Log in to FNB Online Banking.
    2. Select the My Bank Accounts sub tab.
    3. Select the card you would like to activate.
    4. Select Activate Now under the Online Secure column.
    5. Click I accept and agree to the Disclaimer above.
    6. 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 card number when prompted.
    • You will then be prompted for a One Time PIN (OTP), which you will receive via SMS.
    • Finalise your purchase.

    Online Secure FAQs

    Consumer Disclaimer

    55 Days interest free


    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 call us on 087 575 1111, email us at fnbcard@fnb.co.za or visit your nearest FNB branch

    For fast applications call 0860 FASTAP (327827).

    Terms and conditions apply

    Choose a design that best suits your lifestyle


    In addition to the convenience, safety and great benefits our credit cards have to offer qualifying customers also have the option to select from a select range of special designs. Now you can show your individuality by choosing a credit card design that best suits your lifestyle.

    FNB Banking APP


    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. Using the free FNB Banking App, you pay no data fees.


    Do your day-to-day banking:

    • View detailed balances and transactions
    • Transfer funds between accounts
    • Stop/reverse debit orders on Mobile and eChannels
    • Get notifications from 1 cent
    • Make payments
    • Make Cardless Cash withdrawals


    You can also buy:

    • Prepaid Airtime
    • Data Bundles
    • SMS Bundles
    • Prepaid electricity
    • iTunes

    You can use Connect to:

    • Make calls to FNB call centres
    • Make calls and send messages on the App


    You also get additional features that include:

    • Managing your eBucks account and finding partners
    • Buying vouchers
    • Redeeming coupons
    • Locate FNB branches
    • Locating ATMs


    Visit your App Store to download the FNB Banking App today. Just register and you're on your way. Downloading the FNB Banking App is compatible with Android™, Apple™, BlackBerry™ and Nokia™ Symbian devices*. For queries, 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, rules+ standard network rates apply.

    Online Banking


    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:

    • Convenient. You can do most things via Online Banking that you can do in a branch.
    • Secure. Keep track of your transactions with free inContact, OTP notifications and online protection software.
    • Simple. All you need is an FNB bank account and access to the internet.

    When using your Online Banking, you pay no data fees.


    With Online Banking you can do your day-to-day banking:

    • View detail balances and transactions
    • Transfer funds between accounts
    • Stop/reverse debit orders on Mobile and eChannels
    • Make payments
    • Manage recipients
    • Send Money
    • Download account statements

    You can also buy:

    • Prepaid Airtime
    • Data Bundles
    • SMS Bundles
    • Prepaid electricity

    You can use Connect to:

    • Link your FNB Banking App to your Online Banking profile

    You can take control and protect your account by:

    • Managing your FNB cards
    • Viewing/updating your PINs
    • Activating/Updating Online Secure

    You also get additional features that include:

    • Managing your eBucks account and finding partners
    • Getting personalised offers for upgrades and limit increases
    • Ordering new smartphones and tablets
    • Opening new accounts in under ten minutes
    • Buying and selling Krugerrands

    View our How to register for Online Banking demo


    Terms, conditions + rules apply.

    Cellphone Banking


    Bank safely and securely anywhere, any time 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.

    Using Cellphone Banking, you pay no data fees.


    With Cellphone Banking you can do your day-to-day banking:

    • View balances and transactions
    • Stop/reverse debit orders on mobile and e-channels
    • Send money
    • Make payments
    • Transfer funds between accounts
    • Make cardless cash withdrawals
    • Pay traffic fines

    You can also Buy:

    • Prepaid airtime
    • Data bundles
    • SMS bundles
    • Prepaid electricity
    • Lotto

    Dial *130*321# to register and start banking on your phone today!

    For assistance, call 087 575 9405 .

    Terms, conditions + rules apply.

    Use at ATMs


    Get access to cash whenever you need it*.

    All FNB debit, credit and cheque cards can be used at FNB ATMs*.

    ATMs are available countrywide, all you need is an FNB CARD and a PIN NUMBER*.

    FNB ATMs enable you to

    • Access your account 24/7*
    • Withdraw cash*
    • View or print your current balance*
    • Obtain a mini statement*
    • Buy Prepaid airtime*

    Different types of FNB ATMs
    These are ATMs that allow for automated deposits. Save time and money with cheaper cash and cheque deposits.

    • Funds from cash deposits are available immediately
    • Funds from cheque deposits are available after clearance

    Find the nearest ATM here*

    Find all the branches with ATM Advance with automated deposits.

    Mini ATM*
    These do not dispense cash; cash redeemable vouchers are issued*.

    These are situated at areas without ATM infrastructure.*

    Call 087 575 9406 (24 hrs) to cancel lost or stolen cards. Lost/stolen cards can be replaced at any FNB branch*.

    Terms, conditions and rules apply.

    *Not applicable to Stokvel and Smart Save accounts.

    Visa Privileges


    Visa cards all around the world offer millions of people a safe, flexible and convenient ways to pay for the things they need. Whether you are shopping for groceries, buying online or have to make an unexpected trip, your Visa card has you covered.

    More than 24 million facilities across 162 countries and territories accept Visa cards and more than a million cash machines in the global network allows you to draw local currency with your Visa card almost anywhere in the world.

    You have a local support system should you have a medical emergency while travelling abroad or if your card is lost or stolen: Visa Global Customer Assistance Service (GCAS) - 0800 990 475. This is a free call.

    With the countless ways to pay with Visa, it is your perfect local and global travelling companion.

    Terms, conditions and rules apply.

    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 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

    You have a local support system should you have a medical emergency while travelling abroad or if your card is lost or stolen: Visa Global Customer Assistance Service (GCAS) - 0800 990 475. This is a free call.

    Terms, conditions and rules apply.

    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 include
    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 R1 000

    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

    • 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 name, surname, ID number and 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.

    Decline inContact


    Helping you understand your declined transactions

    Decline inContact is an innovative, free service that lets you know the reason why a card transaction had been declined.

    Decline inContact suggests a remedy for each decline, putting the power back in your hands.

    This service is absolutely free and no registration is necessary.

    Should you ever require additional information on a declined transaction, please call the number on the back of your credit card.

    Terms, conditions and rules apply.

    inContact


    inContact s FNB's transaction notification service that gets sent to your cellphone. With inContact, you can keep track of amounts higher than R100 going in and out of your account, for free.

    inContact offers you the ability to:

    1. Identify any unauthorised transactions on your accounts.
    2. Receive messages for transactions on accounts that belong to you only.
    3. Get notifications from 1 cent on the FNB App by selecting your desired amount accordingly.
    4. Manage the funds in your accounts.
    5. Receive messages with details of your multiple debits that are processed overnight i.e. debit orders, stop orders and scheduled payments.
    6. Customise the notifications received. You can:
      • Choose when you want to receive your messages - during the day (7am - 8pm) or 24 hours a day
      • Choose to be notified of any transactions that exceed an amount specified by you
      • Choose how to receive notifications - via SMS, email or both
      • Choose which accounts you want to link to inContact

    inContact will not send messages for transactions on accounts which you access via a link or mandate.

    You can register for this service at any FNB branch via Online Banking or by calling 087 575 9404.


    Decline inContact messages are an innovative and convenient method of advising customers of why their transactions are declined. These messages are identical to normal inContact notifications and this service is also free.


    Terms , conditions and rules apply.

    Cellphone Banking


    Bank safely and securely anywhere, any time 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.

    Using Cellphone Banking, you pay no data fees.


    With Cellphone Banking you can do your day-to-day banking:

    • View balances and transactions
    • Stop/reverse debit orders on mobile and e-channels
    • Send money
    • Make payments
    • Transfer funds between accounts
    • Make cardless cash withdrawals
    • Pay traffic fines

    You can also Buy:

    • Prepaid airtime
    • Data bundles
    • SMS bundles
    • Prepaid electricity
    • Lotto

    Dial *130*321# to register and start banking on your phone today!

    For assistance, call 087 575 9405 .

    Terms, conditions + rules apply.

    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.

    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:

    • Fixed amount - Pay a fixed amount of your choice. This amount cannot be less than the minimum amount owed
    • Full amount - Settle the full outstanding balance including your budget instalment(s) for the relevant month
    • Full straight statement balance - Settle the full amount outstanding on the straight facility as indicated on your statement monthly
    • Minimum payment amount due - Pay only the minimum amount outstanding on your account monthly, ie 5% of your full outstanding balance
    • Percentage payment - Select a percentage of outstanding balance to be deducted monthly. This amount can be anything from 5% - 100%

    Benefits of an Auto Payment Solution:

    • Do not pay any transactional fees/charges on your FNB Credit Card, excluding cash withdrawals, fuel transactions, EFT's and casino transactions
    • Save time and money
    • Experience convenience and peace of mind knowing 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

    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.

    Personalised Interest Rates


    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. Call us or visit your nearest branch to find out more about your personalised interest rate and how you can benefit from this service.

    Terms and Conditions apply.

    Lost card protection


    Protection in the event of a lost or stolen card.

    Report a lost or stolen card within 24 hours of the incident to the 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 canceled.

    Lost Card Protection may not apply if it is determined that you were careless in protecting your card or PIN.

    In the event of your card being lost or stolen, call the Lost Card hotline immediately on 087 575 9406

    Terms, conditions and rules apply.

    Online Secure


    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.

    Online Secure is a free service and can easily be activated from your Online Banking profile.


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

    1. Log in to FNB Online Banking.
    2. Select the My Bank Accounts sub tab.
    3. Select the card you would like to activate.
    4. Select Activate Now under the Online Secure column.
    5. Click I accept and agree to the Disclaimer above.
    6. 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 card number when prompted.
    • You will then be prompted for a One Time PIN (OTP), which you will receive via SMS.
    • Finalise your purchase.

    Online Secure FAQs

    Consumer Disclaimer

    Lifestyle Protection


    Become your family's lifesaver with FNB's Lifestyle Protection Cover.

    FNB Credit Card holders may purchase lifestyle cover for your loved ones in the event of your death or permanent disability.

    Benefits

    Fixed amount payable over a period of 6 months, depending on chosen cover amount

    Benefit R 90 000 R 60 000 R 30 000 R 12 000 R 6 000
    Premium Price R 95 R 65 R 40 R 30 R 20

    Eligibility

    • Main credit cardholder only
    • RSA citizen or permanent resident
    • Minimum entry age: 18
    • Maximum entry age: 64

    For all administrative enquiries, please call 087 736 7775 weekdays 08:00 - 17:00 or send an email to

    FNBLife@fnb.co.za

    Terms, conditions and rules apply

    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

    1. Choose a Debt Relief Solution
    2. Calculate the amount you would like to consolidate
    3. Choose the repayment period you want
    4. Set up an 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: 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.

    Balance Transfer


    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 prime +1%, for the first 9 months, thereafter ruling interest rates will apply.

    To switch to FNB and benefit from the promotional Balance Transfer rate, apply online or call 0860 BT CARD (0860 28 2273)

    Terms, conditions and rules apply. .

    FREE Budget Facility


    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.