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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

Top-up Debt Protection Plan

Credit cards are a great way of accessing money when you really need it. FNB Petro Card (standalone only), Classic, Gold, Premier, Private Clients and Private Wealth Credit Card holders qualify for FREE embedded cover in the event of death or permanent disability from R1 000 to R12 000, depending on your card.

The Top-up Debt Protection Plan is designed to cover any debt on your credit card. This cover is over and above your free embedded cover for FNB Petro Card (standalone only), Classic, Gold, Premier, Private Clients and Private Wealth Credit Card holders. Top-up Debt Protection offers cover for the FULL outstanding balance on your credit card in the event of death or permanent disability, and cover for your minimum FNB Credit Card instalments for up to 12 months in the event of temporary disability and unemployment/ inability to earn an income.


Top Up Debt Protection Plan Terms and Conditions (01 August 2017 to date)

Top Up Debt Protection Plan Terms and Conditions (Prior to 01 August 2017)


Premiums will be calculated on the average outstanding amount during the month, minus the free portion offered under Automatic Debt Protection (ADP).

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

Contact 087 575 1111 for more info

Terms, conditions and rules apply.

Free Global Travel Insurance


FREE 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 FREE Global Travel Insurance?

To qualify for FREE 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 FREE 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 Schedule of Benefits

For assistance contact:
Global Travel Insurance Help Desk: 0861 490 100
Medical Services Organisation (MSO): +27 11 521 4575 ('Reverse-charge' your call using this number when from anywhere in the world)

If you are over 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. Linked and Standalone Petro Cardholders receive free automatic AA Emergency Roadside Assistance which provides a helping hand when you experience problems with your vehicle.

Benefits include
Roadside Repair Service

  • Out of fuel - Provision of fuel to a maximum of ten (10) litres (cost of fuel is for cardholder's account)
  • Restarting a flat battery
  • Changing flat tyres
  • Key lock-out service to a maximum of R300 inclusive of VAT

Tow-in Service
For mechanical or electrical vehicle breakdowns.
These services are limited to forty (40) kilometres round trip. Thereafter, the additional kilometres are for the cardholder to pay.

Accident Towing*:
In the event of an accident, the AA's own towing fleet or an accredited tow contractor fleet of the AA will tow your vehicle from the accident scene to the nearest AA Quality Assured body repairer centre or to a client approved panel shop. This service is available 24/7/365 days a year.

*This service is not covered by FNB. The AA will facilitate the service and it will be for the cardholder's cost.

Stand By You

  • 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
  • The service is only available in certain metropolitan areas

Courtesy Services**

  • Car hire
  • Overnight accommodation for you and four other passengers

**Courtesy services are covered up to a maximum of R644 inclusive of VAT for emergencies occurring more than 100 kilometres from your home.

How to use AA Roadside Assistance Service

  • 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 contractor's 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.

Take care of you and your family's health


Medical emergencies are stressful, never mind worrying about how you'll pay for them.

Now, there's a way we can help you.

As an FNB Gold Credit Cardholder, you can now put selected medical expenses on the budget facility of your FNB Gold Credit Card, at a reduced interest rate of 10,25%*.

In this way, we'll help you cover unexpected medical costs like GP visits, surgery or selected specialist transactions**, helping you manage your cash flow.

Here's how it works:

  • Pay for your qualifying medical transaction at the doctor or hospital by swiping your FNB Credit card (straight or budget) at the POS machine
  • You'll receive an SMS from FNB asking if you'd like to move your qualifying medical expenses to a budget plan at the promotional interest rate of 10,25%.
  • If you reply with the option to move your transaction/s, we'll move the qualifying transaction/s to your budget facility within three to five working days.

Want to know more? View our Frequently Asked Questions , or read our Terms & Conditions .

*Note :

The maximum amount that can be moved to the promotional budget plan is 20% of your total credit card limit.

**These specialist transactions exclude: Aesthetic, biokinetics, cosmetic, weight loss, dieticians, dermatology, skin laser, orthodontists, osteopaths, optometrists, opticians, ophthalmologists, podiatrists, chiropodists, homeopaths, nursing & personal care facilities, laboratories, pharmacies and retail stores.

Move unexpected medical expenses to budget at prime


Medical expenses can be high. We can Help.

  • Swipe or tap your FNB Gold Credit Card for a qualifying medical transaction
  • An SMS is sent to you with the budget plan offer
  • If you respond yes to the SMS, the transaction and limit will be moved to budget over 6 months, at a promotional interest rate of prime.

Qualifying Medical Transactions includes: any GP visits, in-hospital transactions (surgery or casualties) or selected specialist transactions.

The following specialist transactions are excluded:
Aesthetic, biokinetics, cosmetic, weight loss, dieticians, dermatology, skin laser, orthodontists, osteopaths, optometrists, opticians, ophthalmologists, podiatrists, chiropodists, homeopaths, nursing & personal care facilities, laboratories, pharmacies and retail stores.

Refer to our full Terms and Conditions

Access to exclusive offers at a preferential rate of prime


Making use of your FNB Gold Credit Card at any of these stores rewards you with a promotional interest rate of prime on selected Apple devices, golf clubs, and bicycles.

  • Purchase your Apple device*, golf clubs or bicycles from our partners, using your credit card.
  • Inform the cashier that you want to put the transaction on the FNB budget plan.
  • FNB will transfer the purchase to the budget facility at the promotional interest rate of prime.
  • The transfer may take up to 3 - 5 working days to go through. In the meantime, you will be charged your normal, personalised interest rate.

*Apple devices also available via myistore.co.za (select the device, select buy on FNB and follow the steps). Find out more on www.myistore.co.za/FNB .

Important points to remember:

  1. You must have a limit available to cover the total amount of the purchase price.
  2. Your balance will reduce by the full amount .
  3. Prefunding** your credit card for the purchase will not qualify the transaction for the budget plan promotional interest rate .

**Prefunding means the purchase was not done on credit but with your own funds. Prefunding your credit card for the purchase will not qualify the transaction for the budget plan promotional interest rate, specifically if the limit does not cover the purchase amount.

Refer to our full Terms and Conditions

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 WesBank account with your car on nav>>Car. Setup a debit order from your FNB Gold Cheque Account. Have a Linked Savings Pocket or Savings Account with a balance that grows by at least R250 each month. Have an FNB Life Policy with min cover of R400 000. Pay the premiums for your policy from your Gold Cheque account each month.

OR

OR

OR

OR

OR

OR

OR

Have at least three debit orders off your cheque account.

*ALL card purchases and cash withdrawals (Cash@Till® and ATM/FNB branch withdrawals) made using your FNB Gold Credit Card and FNB Gold Cheque Card will be considered for this requirement.
Spend at least R750 online using your credit card each month. Have Connect spend of R200 each month. Have a personal loan with original loan amount R10 000 where the debit order is set up from your FNB Gold Cheque Account. Have a Home loan or a Smart bond that has a flexi facility with an outstanding balance of R75 000, where the debit order is set up from your FNB Gold Cheque Account, or there is a salary stop order set up. Maintain a minimum monthly balance in your FNB Linked Savings Pocket or Savings Account, FNB Gold Cheque Account or FNB Fixed Deposit Account.

If you have an FNB Linked Savings Pocket, Savings Account or FNB Gold Cheque Account, you'll need to maintain a monthly balance of at least R5 000. If you have an FNB Fixed Deposit Account, you'll need to maintain a monthly balance of at least R10 000.
FNB Funeral Cover product of min R50 000. Have min two lives assured. Pay the premiums for your policy from your Gold Cheque account each month.

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.


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.

Terms and Conditions apply.

Auto Payment Solution


Enjoy the convenience of having your credit card account paid on time, every time!

Did you know that FNB Credit Card's Auto Payment Solution allows you to pay your account with ease and serves as a safety net? Have the convenience of having your credit card account paid automatically on time, every time. The Auto Payment Solution works with a 'built in' calculator which takes into account any pre-payments and deducts these amounts from the required debit order amount.

Credit cardholders can select one of two convenient Auto Payment Solutions which will be applied monthly to pay your account:

  • Full amount - Settle the full outstanding balance including your budget instalment(s) for the relevant month
  • Minimum payment amount due - Pay only the minimum amount outstanding on your account monthly, ie 5% of your full outstanding balance

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 maintain an Autopayment via the FNB App:

  • Log into the FNB App
  • Select the relevant Credit card account
  • Select "Account Options"
  • Select "Maintain Auto Payment" and follow the prompts

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

Top-up Debt Protection Plan

Credit cards are a great way of accessing money when you really need it. FNB Petro Card (standalone only), Classic, Gold, Premier, Private Clients and Private Wealth Credit Card holders qualify for FREE embedded cover in the event of death or permanent disability from R1 000 to R12 000, depending on your card.

The Top-up Debt Protection Plan is designed to cover any debt on your credit card. This cover is over and above your free embedded cover for FNB Petro Card (standalone only), Classic, Gold, Premier, Private Clients and Private Wealth Credit Card holders. Top-up Debt Protection offers cover for the FULL outstanding balance on your credit card in the event of death or permanent disability, and cover for your minimum FNB Credit Card instalments for up to 12 months in the event of temporary disability and unemployment/ inability to earn an income.


Top Up Debt Protection Plan Terms and Conditions (01 August 2017 to date)

Top Up Debt Protection Plan Terms and Conditions (Prior to 01 August 2017)


Premiums will be calculated on the average outstanding amount during the month, minus the free portion offered under Automatic Debt Protection (ADP).

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

Contact 087 575 1111 for more info

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 15%.

To switch to FNB and benefit from the promotional Balance Transfer rate, apply online or call 0860 FASTAP (0860 327827)

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


SLOW Lounge Access

As an FNB Private Clients Account holder, you can enjoy access to the luxurious SLOW Domestic Lounges and SLOW International. Make a flight booking for you or your family using eBucks Travel and earn bonus Airport Lounge visits. Go to the eBucks tab on the FNB App to see how many SLOW Lounge visits you have left. To access a lounge simply generate a QR code on the FNB App and scan it at the lounge entrance.

Complimentary visits will be allocated annually from 1 July to 30 June.

Avis Point to Point

Book Avis Point 2 Point transfers - an airport transfer service ensuring you always get to where you're going in style. Depending on your reward level, you could qualify for up to five (5) bonus local airport transfers per year in an economy vehicle when you book flights with eBucks Travel online through eBucks.com or on the FNB App. Plus, when you book local or international flights for your family (of 4 or more people) with eBucks Travel, you could be upgraded to a 7-seater vehicle. Bonus Avis Point 2 Point transfers must be booked online using the Avis Point 2 Point self-service booking system on the eBucks Travel website.

Your reward level 1 2 3 4 5
Complimentary Avis Point 2 Point airport transfers per year for flights booked through eBucks Travel 0 1 2 4 5

*Terms, conditions and rules apply. Visit the eBucks website for more information

Report fraud & Smart inContact


Report fraudulent transactions instantly via the FNB Banking App

Smart inContact

Activate Smart inContact to receive notifications and approve transactions with the app's intelligent, interactive messaging. Have more control over your account by setting up alerts.

When an attempt is made to login to your Online Banking profile via a PC or mobile device that hasn't been verified, you'll receive a notification via Smart inContact requesting you to approve or verify the device.

If you suspect any unauthorised activity on your account you can connect to the fraud helpline immediately.

More way to get rewarded


Even more benefits you know and love

  • Earn up to R4 per litre back in eBucks at Engen when you upload your car details on the FNB App under navĀ» Car
  • Earn up to R8 per litre back in eBucks per quarter at Engen when your vehicle is financed with WesBank, Toyota Financial Services or Volkswagen Financial Services, you have accepted the navĀ» Car terms of use on the FNB App and 100% of your fuel spend is at Engen fuel stations
  • Earn up to 15% back in eBucks at Checkers and Shoprite
  • Earn up to 15% back in eBucks at KFC
  • Earn up to 40% back in eBucks on bus tickets at Intercape
  • Enjoy a fresh smoothie, coffee or up to R100 to spend in-store at KAUAI every month

Even more family benefits

  • Earn up to 40%* off on selected flights and car rental for you and family with eBucks Travel
  • Enjoy 2-for-1 specials in 2020 with The ENTERTAINER™ and let FNB cover the sign-up cost

To earn more eBucks ensure that you hold an FNB Gold Cheque Account and an FNB Gold Credit Card.

For more information on eBucks Rewards and how you can make your money go further, visit www.eBucks.com *Discount excludes taxes. Terms, conditions and rules apply.

Gold Credit Card | Earn between R120 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.

2020/2021 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 Global Travel Insurance

Move unexpected medical expenses to budget at prime

Access to exclusive offers at a preferential rate of prime

Free AA Emergency Roadside Assistance with a linked Petro card

Even more
ways to earn

  • Earn additional eBucks with Smart Spend when you use your FNB Gold Credit Card or FNB Pay for your monthly spend
  • Earn up to 40% back in eBucks on your Netflix and Spotify subscriptions needs to change to 'Earn up to 40% back in eBucks on your Video Streaming (Netflix) and Music Streaming (Spotify®) subscriptions.*

*Only applies if you and your life partner/spouse are verified as a family and you both have an FNB Fusion Gold Account, FNB Gold Cheque Account, FNB Islamic Gold Account or FNB Gold Single Facility Account AND your life partner/ spouse is on the Spousal pricing option OR you have an active FNBy account linked to your profile (only applicable to children under 18 years of age).

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 R120 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