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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.

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.


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 Medical Services Organisation (MSO) on: +27 11 521 4575 ('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 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 on a Linked Petro Card


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.

How to move up a reward level


Level Up challenge for Gold

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

Reward requirements

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 FNB Vehicle Finance 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.

Look at how much you could earn on eBucks reward level 5 every 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).

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.

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
  • Earn R5.00 airtime for every R100 airtime you buy using eChannels and Mobile Channels
  • Earn R5.00 airtime for doing your banking using e-channels and mobile channels (instead of visiting a branch and doing a transaction at the counter)
  • Earn R5.00 airtime for drawing more cash using Cash@Till™ rather than using an ATM

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

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.

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.

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.

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.

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

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. .

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. Access the FNB Banking App for free, and you'll pay no data fees.

Manage your money:

  • View detailed balances and your transaction history
  • Download statements
  • Manage your daily transaction limits
  • Apply for a credit limit increase

Manage your card:

  • View & Change your PIN
  • Temporarily block and unblock your card
  • Cancel your card and reorder a new one

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.

Courier card delivery


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.

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.

Contactless payments


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.

Find a branch


Find a branch


Complimentary services


FNB Private Clients will have access to the following complimentary and discount services:

  • Priority Pass - the world's largest independent airport lounge access program offering its members access to over 700 airport lounges worldwide. As long as you have booked your international travel you can attain annual membership valued at $99 and depending on your reward level you could qualify for up to 10 free visits per annum each valued at $27 to any Priority Pass lounge on your Private Clients account and up to 12 free visits per annum on your Private Wealth account. Please note it takes approximately 15 working days for the Priority Pass membership card to be ordered and delivered.
  • AVIS Point2Point - your personal transfer service ensuring you will always get to where you are going in style. Depending on your reward level you qualify for 5 free local transfers per annum in an economy vehicle on your Private Clients account and for up to 8 free local transfers per annum on your Private Wealth account when booked via the eBucks website.
  • Speed Pass - a VIP meet and assist airport service. As an FNB Private Wealth client you qualify for a 15% discount at over 285 international airports worldwide which means a friendly face greets you at the airport, removing language barriers and lengthy queues through customs and immigration.

Arrange Priority Pass memberships - the world's largest independent airport lounge access programme, offering its members access to over 700 airport lounges worldwide. As long as you've booked your international travel, you can attain annual membership valued at $99. Depending on your reward level, you can also qualify for up to 10 complimentary visits per year - each valued at $27 - to any Priority Pass International Lounge.

Book Avis Point 2 Point transfers - an inner-city 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 complimentary local transfers per year in an economy vehicle when booked online through eBucks.com.

Book Speed Pass services - VIP meet and assist airport services. As a customer, you qualify for a 15% discount at over 285 international airports worldwide, which means a friendly face greets you at the airport, removing language barriers and lengthy queues through customs

Your reward level 1 2 3 4 5
FREE Priority Pass International Lounge visits per year 0 1 2 4 10
FREE Avis Point 2 Point local trips per year (When booked via the eBucks website) 0 1 2 4 8
Discount on SPeed Pass services 15%

Things to remember:

  • Priority Pass memberships are dispatched from the UK and can take up to 17 working days to be delivered once ordered via eBucks Lifestyle
  • Clients will qualify for Priority Pass membership only once a reward level has been determine
  • Complimentary Avis Point 2 Point transfers must be booked online using the Avis Point 2 Point self-service booking system

These services can be booked through eBucks Lifestyle. For more information or to make a booking simply contact one of the Lifestyle Assistants on 087 575 0050 or send an email to ebuckslifestyle@ebucks.com

Free visits and trips are based on a calendar year, and are dependant on your current reward level.
eBucks Lifestyle operating hours:
Monday to Friday from 08:00 to 17:00
Saturdays from 09:00 to 12:00
Closed on Sundays and Public Holidays
Terms, Conditions and Rules apply

Report fraud & Smart inContact


Report fraudulent transactions instantly via 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.

Gold Credit Card | Earn between R84 000 - R299 999 per year


Exceptional value & control

Make your money go further. Get free membership to rewards and benefits
that help you save on fuel and groceries, while preparing you for the unexpected.

Pricing guide

 

Real benefits with Gold


A Gold Credit Card means you get more value-added benefits, and you'll enjoy the comfort of knowing we've got you covered.

Free Automatic Debt Protection

Free Comprehensive Global Travel Insurance

Free Emergency Roadside Assistance with a linked Petro card

 

Rewards


Get up to 15% back when you do everyday things like shopping and filling up with fuel. Once you start earning eBucks you can use them to shop online and book exciting holidays with eBucks.

  • Earn up to 1.5% back in eBucks when you use your Gold Credit Card to shop in-store or online.
  • Earn up to 15% back in eBucks on your FNB Life, FNB Connect contracts or airtime and Checkers & Shoprite spend.
  • Earn up to 15% back in eBucks when you fill up at any fuel station in South Africa, or when using Uber domestically.

Terms, conditions & rules apply.

Security


Peace of mind

Online Secure

Protect your card against fraudulent use online.

Read more

Report fraud & Smart inContact

Report fraud instantly via the app. Get alerts for every cent that goes in and out of your account.

Read more

Lost card protection

Lost card? No problem. Manage your cards via the app.

Read more

 

What you get with Gold


With Gold you can manage it all. Control your daily spend with these solutions.

A Personalised Interest Rate

Up to 55 days interest free

Budget Facility

Auto Payment Solution

Balance Transfer

Convenience


It's easy & secure with Gold

FNB App

Convenient access to anytime banking

Read more

Online Banking

Available 24/7, 365 days a year

Read more

Cellphone Banking

Simple banking on the go

Read more

Contactless payments

Tap your card or your phone to pay for purchases

Read more

Courier card delivery

We deliver to your door



Gold Credit Account


Explore the value of Gold

Qualifying criteria

You need to earn between R84 000 - R299 999 per year

How to get it

Apply now!

Other ways to apply

Complete the call me back form

Contact us

Find a branch

Apply on the FNB Banking App

Documents needed

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

Terms, conditions and rules apply