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Corporate Public Sector

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Find a branch

How to increase your credit card limit

Step 1: Login to the FNB Banking App

Step 2: Open the menu and select Accounts

Step 3: Select your Credit Card Account

Step 4: Select Increase Credit Limit

Step 5: Accept the upgrade requirements, update your annual income and select Continue

Step 6: Complete the Affordability Details and select Continue

Step 7: Review your credit limit increase and select Continue

Step 8: Carefully read through your Credit Offer and select Confirm to finish

How to download your credit card statements

Step 1: Login to the FNB Banking App

Step 2: Open the menu and select Accounts

Step 3: Select your Credit Card Account

Step 4: Select Statement History

Step 5: Enter your email address and choose which statement to download

Step 6: Select Confirm to accept your selection

Step 7: Select Finish to complete your request

How to temporarily block your credit card

Step 1: Login to the FNB Banking App

Step 2: Open the menu and select Accounts

Step 3: Select your Credit Card Account

Step 4: Select Cards and then the card you wish to temporarily block

Step 5: Select Temporarily Block My Card to complete your request

Step 6: Select Confirm and then Finish to complete your request

How to unblock your credit card

Step 1: Login to the FNB Banking App

Step 2: Open the menu and select Accounts

Step 3: Select your Credit Card Account

Step 4: Select Cards and then the card you wish to unblock

Step 5: Select Unblock My Card

Step 6: Select Confirm and then Finish to complete your request

How to transfer money from your cheque account to your credit card

Step 1: Login to the FNB Banking App

Step 2: Open the menu and select Transfers

Step 3: Choose the From and To accounts as well as the amount you wish to transfer , and then select Transfer

Step 4: Review your transfer details and select Confirm to continue

Step 5: Select Finish to complete the transfer

How to redeem vouchers

Step 1: Login to the FNB Banking App

Step 2: Select My Vouchers

Step 3: From the list of available vouchers, choose the voucher you want to redeem by selecting Redeem

Step 4: Enter your FNB Online Banking Password to login and view the voucher code

Step 5: Use the on-screen voucher code at the cashier till or at the online check-out select Finish when done

What is a credit score?

A credit score is a number that reflects the likelihood of you paying credit back. Lenders like banks and financial service providers look at your credit history when they calculate your credit score, which will in turn show them the level of risk involved in lending money to you. This also plays a part in determining how much money you can borrow from a bank, lender or credit provider.

How are credit scores calculated?

Financial service providers look at two main things when calculating a credit score:

1. Affordability, i.e. your ability to repay the debt.

  • Can you afford the debt repayments?
  • Are you currently over-indebted?

2. Credit worthiness, i.e. your willingness to repay the debt. There are several things you can do to improve this:

  • Pay bills on time
  • Catch up on missed payments
  • Reduce debt (if you're over-indebted, you can do this quicker by paying off higher interest debt first)
  • Avoid opening new accounts simply to increase available credit (but don't close accounts that you need)
  • Avoid moving debt around to put off repayment
  • Have some active accounts that reflect on the credit bureaus (this allows for an active credit score to be generated with positive payment information)

Want to know what your own credit score is? As a South African citizen you get one free credit report per year.
To get your free report, visit the TransUnion website or

Good credit vs. bad credit

Many people are scared of the concept of credit, as it involves owing money to a bank or credit provider. But the truth is that there are both good and bad forms of credit. Here's the difference between the two:

Good credit:

This is when you borrow money for a good reason, such as to buy a house or to finance a car. It also includes getting a personal or business loan for a specific purpose - such as paying for renovations or buying stock for your business. In these cases if you can afford the repayments and the debt will only be for a certain amount of time, these kinds of loans can improve your credit score.

Bad credit:

This is money that you borrow for no compelling or specific reason, such as a payday loan to simply help you get through the month. These kinds of loans often come with high interest rates, which can make them very difficult to pay back. These loans are considered to be bad forms of credit, as they can lower your credit score.

Is a credit card considered "good" credit?

When it's used responsibly, a credit card can help you build a good credit history. Unfortunately, you need to have a credit rating first in order to get a credit card, which may be tricky if you've never applied for credit before. If it's your first time applying for credit, ask for a lower limit or prefund your credit card so you can get used to managing your account.

A credit card can also be an excellent way of consolidating your debt. Instead of having multiple store accounts, you can pay off all your accounts using your credit card, which means you consolidate your debt onto one card and in one account - with one monthly statement and one interest rate.

Find out what you can afford to pay and spend each month.

Straight vs. budget facility

When you buy something with your credit card, you can choose to buy it using a "straight" or "budget" option:


This is when the full amount is placed over a period of months at a fixed instalment rate on a reducing balance. You can place any purchase larger than R200 on budget and choose a repayment period of 6 to 60 months.


When you use this facility, you can pay the outstanding balance on a monthly basis, or on a revolving basis. Making purchases on your straight facility can be beneficial as you don't have to pay any interest if you repay the whole amount within 55 days.

55 Days interest free

What it is

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.

What you get

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 or visit your nearest FNB branch

For fast applications call 0860 FASTAP (327827).

Terms and conditions apply

Stay in control with the FNB App

Doing your banking using the FNB Banking App gives you full control of your credit card 24/7, no matter where you are. Using the app means you can:

  • Apply for a credit limit increase
  • View your account balances
  • Increase or decrease your daily transaction limits
  • Manage your card:
    • Temporarily block and unblock your card
    • Cancel your card
    • Reorder a new card for FREE
    • View and download statements
    • Instantly report fraud on suspicious transactions

App demo videos

Stay on track with payments

Sometimes life takes an unexpected turn and you may find yourself in a difficult situation and unable to make payments on your credit card.

What do you do if you were to be faced with this unfortunate situation?

Keep the Collections team informed of your financial difficulty

  • Contact 087 736 7846/7 to discuss the delay in payment and to make a repayment arrangement.
  • If you are a Top-up Debt Protection policy holder (which covers death, permanent disability, temporary disability and retrenchment/unemployment) on your account, you may qualify to submit a claim against the policy. Contact FNB Life on 087 736 7775 to check if you qualify

Repayment methods

  • Loading a debit order for the monthly minimum payment;
  • Making a direct deposit at any FNB Branch into your credit card;
  • Doing an electronic transfer via FNB Online Banking or via Cellphone Banking to your credit card;
  • Doing an electronic transfer from any non FNB bank account by loading FNB Credit Card as a public recipient;
  • Making a payment via the FNB App.

Impact of an account being in arrears

  • Your credit facility will be suspended without notice if the amount due is not received in time or if your estate has been sequestrated or placed under administration or debt counselling.
  • The credit bureaus will be notified of the state of your account, which may negatively impact any future requests for further credit.
  • Access to the SLOW Lounge will be revoked to Qualifying Account Cardholders if their account is not in good standing.
  • If the account is in arrears for more than 3 months, it will be relegated and may be handed over to an external debt collector for further collection of the debt.
  • Once an account has been relegated the credit facility cannot be re-opened. You will need to apply for a new credit card once the debt has been settled.
  • You will be liable for all legal fees and expenses (including attorney fees / collections fees / tracing fees) should further action be required.

To make life a little easier, we have different credit card repayment methods available namely:

Have a conservative credit card limit.

Make sure your credit card limit is an amount you're comfortable with, one you know you'll be able to afford to pay back monthly. Having a very high credit limit can be tempting, without considering the repayments that will be required afterwards.

Remember: the more you spend, the more you'll have to repay, as the minimum 5% monthly repayment amount is calculated on the full outstanding balance plus any budget instalments.

Tip: You can easily increase your credit card limit via the FNB Banking App when you need a higher limit.

Don't change your spending behaviour.

Having available credit doesn't mean you must use all of it.
Take advantage of the 55 days interest free period by paying the account balance reflected on your statement in full to avoid incurring interest. Note: fuel transactions and cash withdrawals will incur interest immediately.
Paying the full outstanding amount of the credit card purchase to avoid incurring interest.

Use your free budget facility.

If you're making large purchases of R200 and up, our FREE budget facility is ideal for making larger purchases that you can then pay off over a period of 6 to 60 months.

View your credit card statements each month.

This will help you keep track of your spending habits and raise any disputes straight away. Knowing what you spend every month on different items will help you to spend more responsibly.

How to get the most from eBucks Rewards

How to move up a Reward Level

After you've qualified, the second step is to move up a reward level. Your reward level is determined by how many points you've collected in a calendar month. You collect points based on how you bank. The more points you collect, the higher your reward level.

Your reward level is reviewed monthly, which means that you may be on a different reward level every month. Visit the eBucks website to try our handy eBucks Rewards Calculator for tips on how to move up a reward level.

eBucks Rewards

Card security

Bank cards offer a lot of benefits, and far outweigh the risk and expenses associated with handling cash. Despite this, there are still security risks with using your card - which is why it comes with several security features designed to minimise fraud, while improving convenience for you. Remember that card safety is a two-way street between you and your bank, so in addition to your bank's protection measures, you should always exercise caution so you don't fall victim to fraudulent activities.

Follow these tips to avoid card fraud;

  • Never write down your PIN, save it on your phone or disclose it to anyone.
    This is one of the golden rules of card safety. Memorise your card PIN instead of writing it down on a piece of paper or saving it on your phone.
  • Tip: you can conveniently view and change your PIN on the FNB Banking App in the event that you've forgotten it.
  • Report lost and stolen cards immediately
  • Tip: You can temporarily block, unblock or cancel your card instantly on the FNB Banking App.
  • Never let the card out of your sight when making payments.
    New payment technologies like contactless card payments give you far more control over you card because it never has to leave your hand when making payments. It's not only a quicker payment method but gives you as the cardholder control and peace of mind.
  • Sign the back of your card, as soon as you receive it to avoid anyone else trying to use it or take ownership of it.
  • If you have more than one card, such as a debit, credit and savings card, don't use the same PIN for all of them.
  • Ensure you have inContact notifications activated as this will inform you of every transaction on your account.

Staying safe at an ATM:

  • Never force your card into the ATM slot. If you suspect that the ATM is faulty, cancel the transaction immediately and inform the bank.
  • Never accept help from strangers and always be aware of the people and any distractions around you.
  • If you were distracted and suspect foul play, immediately change your PIN, block or cancel your card in order to prevent any illegal transactions occurring on your account.
  • Don't let anyone stand too close to you in order to keep both your card and PIN safe.

Enjoy secure online shopping

When considering shopping online, make sure you're dealing with a reputable retailer before sharing any personal information or your card details.

Follow these tips to avoid fraud when shopping online:

1. Activate any additional security features
As soon as you receive your credit card activate Online Secure. Online Secure is an additional security layer provided by FNB and Visa that requires an OTP (One Time PIN) to be entered before the online payment can be completed.

2. Don't use public Wifi hotspots to shop online
Every time you enter your personal information using a public network, you're exposing your details to potential hackers. Public Wifi hotspots don't encrypt your data. If you're planning on entering sensitive credit card details, rather use your secure WiFi connection at home or office.

3. Frequently check your credit card statements
We can't always catch fraudulent transactions and we rely on you to always keep an eye on your credit card statement to spot purchases you didn't make or receive. If you notice or suspect a fraudulent transaction, immediately dispute the transaction and block or cancel your card to avoid further fraudulent activity.

4. Look for HTTPS in the URL and the lock icon
The most important thing to look out for when your shopping online is the additional 'S' in the URL. The 'S' means the website is secure and that your information is sent through a secure portal. Another obvious sign that you're on a secure website is the lock icon in the URL bar. Be careful with the information you share on HTTP sites and if a broken lock icon is displayed.

5. Never click on links in emails
Rather type out the full website address in your browser. Most phishing scams duplicate legitimate sites you would normally trust, like bank sites and online retailer sites. Once you enter your personal information on the fake site your information is stolen. Real sites, especially banks will never ask for your personal information over an email. If you have any doubts, contact the bank or retailer immediately.

6. Change your online account passwords frequently
To stay safe when shopping online it's crucial to update your online account passwords every three to six months and never use the same password for all your accounts.

Reporting fraud

Call us

If your card is lost, stolen or has been used fraudulently, contact us on the following numbers:

  • Lost and Stolen card 0800 110 132 or +27 11 352 5910
  • Fraud 087 575 9444 or +27 11 352 5910

Alternatively, you can phone the number on the back of your card with any queries you may have.

Report fraud via the app

Instead of receiving your OTP via SMS, Smart inContact uses interactive messaging via the app, so that you can approve these transactions securely. Smart inContact provides you with the means to easily and quickly report fraud via the app for any suspicious swipes, withdrawals, debit orders, payments, transfers and more.

Contactless card payments

Tap your contactless card. It's that simple.

Contactlesss 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 purchases you will be required to insert your PIN as usual.

Travelling with your credit card

Contact the Global Travel Insurance Help Desk on 0861 490 100 to activate the benefit.

If you're planning on travelling locally or abroad, be sure to let us know of your plans by phoning the number on the back of your card, so that we can monitor your transactions and check for any suspicious transactions.

In the event that your card gets lost or stolen, you have the following three options

1. Phone the FNB Credit Card or Fraud Division on 087 575 9444 or +27 11 352 5910.
2. Cancel or block your card instantly on the FNB Banking App, you can also order a new card.
3. Contact Visa Global Customer Assistance Service (GCAS) on 0800 990 47 for an emergency cash payout or medical assistance.

Your guide to credit

Credit can be a confusing concept to navigate if you aren't that familiar with it. But it can also be a very helpful one, which is why it's worth knowing the basics, so you can benefit from the credit options available to you.

We have almost 50 years of experience with credit cards and are here to provide you with the expert guidance you need to make good financial decisions.

The concept of credit

What is a credit score?

Read more

Good credit vs. bad credit

Read more

Straight vs. budget facility

Read more

How interest works

A credit card's interest rate is the price you pay for borrowing money. With credit cards, the interest rates are typically stated as a yearly rate, which is called the annual percentage rate (APR). You can avoid paying interest on purchases if you pay your balance in full each month.

If you're an FNB customer, you can get a personalised interest rate on your credit card that's based on your credit profile and affordability.


Using your credit card

Manage your credit card on the app, 24/7

Read more

Staying on track with payments

Read more

How to get the most from eBucks Rewards

Read more

Keeping your funds secure

Card security

Read more

Secure online shopping

Read more

Reporting fraud

Read more

Contactless card payments

Read more

Travelling with your credit card

Using a credit card is one of the smartest and most convenient ways to book your return travel tickets and accommodation online.

Your FNB Credit Card is accepted world-wide and offers no charge on Global Travel Insurance which provides up to R5 million cover for medical expenses, personal liability cover of up to R1 million+ in the event of accidental death, pre-existing medical conditions, total permanent disablement, cancellations, travel delays and lost, stolen or damaged baggage.


Get the perfect fit

Choose a credit solution that suits your lifestyle


Annual income
R84 000 - R449 999


Annual income
R240 000 - R849 999

Private Clients

Annual income
R750 000 - R1 799 999

Private Wealth

Annual income
R1.8m or more

Applying made easy

Get a credit card

Qualifying criteria

  1. Aspire: Annual income between R84 000 - R449 999
  2. Premier: Annual income between R240 000 - R849 999
  3. Private Clients: Annual income between R750 000 - R1 799 999
  4. Private Wealth: Annual income of R1.8m or more
  5. Petro Card: Earn a minimum of R80 000 p.a

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