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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 installments 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 January 2019 to date)

Top Up Debt Protection Plan Terms and Conditions (01 August 2017 to 31 December 2018)

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

Overdraft Debt Protection Plan


An overdraft is a good safety net to have in place to cover those unforeseen expenses that might occur. The Overdraft Debt Protection Plan offers you cover for the FULL outstanding balance on your overdraft in the event of death or permanent disability, and cover for your minimum monthly installments (being 5% of your outstanding balance on your overdraft ) for up to 12 months in the event of temporary disability and unemployment/inability to earn an income.

Overdraft Debt Protection plan Terms and Conditions (01 January 2019 to date)

Overdraft Debt Protection plan Terms and Conditions (01 August 2017 to 31 December 2018)

Overdraft Debt Protection Plan Terms and Conditions (01 June 2009 and 3 September 2012)

Overdraft Debt Protection Plan Terms and Conditions (04 October 2012 and 31 September 2016)

Overdraft Debt Protection Plan Terms and Conditions (28 September 2016 and 19 February 2017)

Overdraft Debt Protection Plan Terms and Conditions (20 February 2017 - 31 July 2017)

Revolving Loan Debt Protection Plan


The advantage of a revolving loan is that credit is available to you when you need it without having to reapply for the credit every time. You also have the benefit of using as little or as much of the facility as you require. The Revolving Loan Debt Protection Plan offers you cover for the FULL outstanding balance on your revolving loan in the event of death or permanent disability, and cover for your monthly repayment on the revolving loan for up to 12 months in the event of temporary disability and unemployment/inability to earn an income.

Revolving Loan Protection Plan Terms and Conditions (01 January 2019 to date)

Revolving Loan Protection Plan Terms and Conditions (26 August 2010 - 31 July 2013)

Revolving Loan Protection Plan Terms and Conditions (01 August 2017 to 31 December 2018)

Revolving Loan Protection Plan Terms and Conditions (28 August 2013 - 31 September 2016)

Revolving Loan Protection Plan Terms and Conditions (28 September 2016 - 19 February 2017)

Revolving Loan Protection Plan Terms and Conditions (20 February 2017 - 31 July 2017)

Home Loans and Housing Finance Mortgage Debt Protection Plan


Your home is one of the biggest and most important purchases you will make in your life. Protect yourself and your family by making sure you never end up in a position to lose your home. The Mortgage Protection Plan settles your outstanding balance in the event of death or permanent disability and covers the minimum monthly installments of your home loan in the event of temporary disability or unemployment/inability to earn an income.

Mortgage Protection Plan Terms and Conditions (1 May 2013 - 8 August 2017)

Mortgage Protection Plan Terms and Conditions (01 January 2019 to date)

Mortgage Protection Plan Terms and Conditions (14 August 2017 to 31 December 2018)

Mortgage Protection Plan Terms and Conditions (Prior to 08 August 2017)

Loans Customer Protection Plan


Loans are a great way to pay for things that cost a large sum of money that you might not have immediately. Paying off a monthly premium to have access to the things you require now is a great way to invest in yourself and your growth. However, it is important to ensure your financial security in the event that you are unable to pay the loan. This is where the Customer Protection Plan covers you in the event of death, temporary and permanent disability, and unemployment/inability to earn an income.

Personal Loan Terms and Conditions (NOV 2012 to NOV 2015)

Personal Loan Terms and Conditions (DEC 2015 to JUL 2017)

Personal Loan Terms and Conditions (NCA AUG 2017 to DEC 2018)

Personal Loan Terms and Conditions (NCA JAN 2019 to date)

Smart Spend Loan Terms and Conditions (NOV 2012 to NOV 2015)

Smart Spend Loan Terms and Conditions (DEC 2015 to JUL 2017)

Smart Spend Loan Terms and Conditions (NCA AUG 2017 to DEC 2018)

Smart Spend Loan Terms and Conditions (NCA JAN 2019 to date)

Student Loan Terms and Conditions (NOV 2012 to NOV 2015)

Student Loan Terms and Conditions (DEC 2015 to JUL 2017)

Student Loan Terms and Conditions (NCA AUG 2017 to DEC 2018)

Student Loan Terms and Conditions (NCA JAN 2019 to date)

Debt protection


Peace of mind in a difficult situation


Debt protection covers your outstanding debt in the event of death,
disability or unemployment/inability to earn an income.

Debt protection plans


Top-up Debt

Designed to cover any debt on your credit card

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Overdraft Debt

Offers you financial security should something happen to you

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Revolving Loan Debt

Offers you financial security should something happen to you

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Home Loans & Housing Finance Mortgage

Covers the payments of your home loan in any unfortunate event.

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Loans Customer

Ensure your financial security in the event that you are unable to pay the loan

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Debt protection

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