When you spend at our partners
When you look after the ones you love
When you learn from home
When you stay connected
When you travel
When you spend time with the family
For more information on eBucks Rewards download the FNB App or visit
www.ebucks.com
Terms, conditions and rules apply.
*Discount excludes taxes. Terms, conditions and rules apply.
FNB Credit Card customers receive Automatic Debt Protection on the outstanding debt on their credit card in the event of death or permanent disability.
Automatic Debt Protection (ADP) | ||
Product Name | Premium | Specified Maximum Amount |
---|---|---|
FNB Petro Card (Standalone) |
No charge |
R1 000 |
FNB Aspire Credit Card |
No charge |
R5 000 |
FNB Premier Credit Card |
No charge |
R12 000 |
FNB Private Clients Credit Card |
No charge |
R12 000 |
FNB Private Wealth Credit Card |
No charge |
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), Aspire, Premier, Private Clients and Private Wealth Credit Card holders qualify for embedded cover at no charge 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), Aspire, 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
Global Travel Insurance, at no charge, will keep you covered no matter where you go in the world, when you purchase your return ticket(s) using your FNB Debit, FNB Fusion, Credit Card or eBucks. You will get up to R 5 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.
Save on your insurance and be conveniently covered for the first 90 days of your journey.
How do I get Global Travel Insurance at no charge?
To qualify for Global Travel Insurance at no charge, you require a qualifying FNB Debit, FNB Fusion or Credit Card with which to pay for your travel ticket.
Process
This offer is available to FNB Debit, Fusion or Credit Card holders below the age of 75 who are residents of any of these countries: South Africa, Lesotho, Namibia and eSwatini.
With Global Travel Insurance you get:
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 74, FNB provides a specific type of insurance to suite your needs. For more information view the Global Travel Insurance Policy . 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.
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
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
Courtesy Services**
**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
***Petro Card number is the 16 digit number on the front of your card
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
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. |
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).
Report a lost or stolen card within 24 hours of the incident to a 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 cancelled.
Should your card get lost or stolen, call the Lost Card hotline immediately on 087 575 9406
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:
Every month you can:
Terms, conditions and rules apply.
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:
How to use Online Secure when shopping online:
Making use of your FNB Premier Credit Card at any of these stores rewards you with an interest rate of prime or prime +2% on selected Apple devices, golf clubs, bicycles and PlayStation consoles.
FNB will transfer the purchase to the budget facility at an interest rate of prime or prime +2%
* Apple devices also available via istore.co.za (select the device, select 'Buy on FNB' and follow the steps). Find out more on www.istore.co.za/FNB
** PlayStation consoles games and accessories are available on KOODOO.CO.ZA
Important points to remember:
*** 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 rate, specifically if the limit does not cover the purchase amount
Refer to our full Terms and Conditions.
If you respond to move to budget, the transaction and limit will be moved to budget over 6 months, at an interest rate of prime +2%
Medical expenses can be high. We can Help.
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
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.
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:
Benefits of an Auto Payment Solution:
Easy steps to maintain an Autopayment via the FNB App:
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".
FNB Credit Card customers receive Automatic Debt Protection on the outstanding debt on their credit card in the event of death or permanent disability.
Automatic Debt Protection (ADP) | ||
Product Name | Premium | Specified Maximum Amount |
---|---|---|
FNB Petro Card (Standalone) |
No charge |
R1 000 |
FNB Aspire Credit Card |
No charge |
R5 000 |
FNB Premier Credit Card |
No charge |
R12 000 |
FNB Private Clients Credit Card |
No charge |
R12 000 |
FNB Private Wealth Credit Card |
No charge |
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), Aspire, Premier, Private Clients and Private Wealth Credit Card holders qualify for embedded cover at no charge 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), Aspire, 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
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.
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, log into the FNB App and chat to our team of bankers via Secure Chat.
Terms and conditions apply
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)
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:
Manage your card:
As a Premier client, you get access to SLOW Domestic Lounges (located in the domestic terminals of Lanseria, OR Tambo, King Shaka and Cape Town International Airports) as well as SLOW International (located in the international terminal of OR Tambo International Airport). To gain access to the lounges, you will need to present your FNB Premier Credit, Cheque or FNB Fusion Premier Card at the lounge reception.
Qualifying Premier Cards | Qualifying Criteria for complimentary entries* | Complimentary Entries per Calendar Year | Fee per additional visit over and above your complimentary entries |
---|---|---|---|
*Credit Card and Cheque Card OR FNB Fusion Premier Card | eBucks Reward Level 1 | 2** | R250 per person |
eBucks Reward Level 2 | 6** | R250 per person | |
eBucks Reward Level 3 | 8** | R250 per person | |
eBucks Reward Level 4 | 10** | R250 per person | |
eBucks Reward Level 5 | 12** | R250 per person |
Rules
*To qualify for complimentary entries you need to have a Premier Credit Card and a Premier Current Account OR an FNB Fusion Premier Card.
**Guest entries are considered as part of card holder's complimentary entries per calendar year (Guest visits will be deducted from the available complimentary entries). No guests will be allowed during peak times. Only your first guest or child will benefit from your complimentary entries and you will be charged for your second guest.
Download the FNB Banking App now
SLOW Domestic Lounge:
SLOW International:
Peak times (SLOW Domestic):
Monday to Friday: 05h00-07h00 and again between 13h00-17h30
Sunday: 15h00-17h30
Day access qualifying fees and criteria
Qualifying products | Qualifying criteria | Qualifying entries per calendar month | Fee per visit when qualifying criteria are met | Fee per visit when qualifying criteria are NOT met | Fee per additional entry (over and above the qualifying entries) |
Cheque and/or Credit Card | Reward level 1 or above | No Free visits | R249 per person | R249 per person | No Free visits |
Additional Premier rules
Guests charged at R150 per guest.
As a Premier client, you get access to SLOW Domestic Lounges (located in the domestic terminals of OR Tambo, King Shaka and Cape Town International Airports) as well as SLOW International (located in the international terminal of OR Tambo International Airport). To gain access to the lounges, you will need to present your FNB Premier Credit, Cheque or FNB Fusion Premier Card at the lounge reception.
Qualifying Premier Cards | Qualifying Criteria for complimentary entries* | Complimentary Entries per Calendar Year | Fee per additional visit over and above your complimentary entries |
---|---|---|---|
*Credit Card and Cheque Card OR FNB Fusion Premier Card | eBucks Reward Level 1 | 2** | R250 per person |
eBucks Reward Level 2 | 6** | R250 per person | |
eBucks Reward Level 3 | 8** | R250 per person | |
eBucks Reward Level 4 | 10** | R250 per person | |
eBucks Reward Level 5 | 12** | R250 per person |
Rules
*To qualify for complimentary entries you need to have a Premier Credit Card and a Premier Current Account OR an FNB Fusion Premier Card.
**Guest entries are considered as part of card holder's complimentary entries per calendar year (Guest visits will be deducted from the available complimentary entries). No guests will be allowed during peak times. Only your first guest or child will benefit from your complimentary entries and you will be charged for your second guest.
Download the FNB Banking App now
SLOW Domestic Lounge:
SLOW International:
As a Premier cardholder, you have access to the SLOW International Lounge at a fee of R400 per entry, per additional guest or child between the age of 2 and 18 years.
Peak times (SLOW Domestic):
Monday to Friday: 05h00-07h00 and again between 13h00-17h30
Sunday: 15h00-17h30
Access rules
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:
When using your Online Banking, you pay no data fees.
With Online Banking you can do your day-to-day banking:
You can also buy:
|
You can use Connect to:
You can take control and protect your account by:
You also get additional features that include:
|
View our How to register for Online Banking demo
Terms, conditions + rules apply.
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.
As a Premier customer, you can chat securely and directly to your team of bankers with Secure Chat on the FNB Banking App.
Through interactive messaging, you can chat securely to your team of bankers and get an immediate response.
Get help at your fingertips 24/7 with Secure Chat
How?
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.
Make the most of your money.
Premier offers you a specialised team of Premier Bankers to help you control your finances.
We offer premier guidance through the world of banking to simplify your banking experience.
To find out more about Premier, call us on 0875 777 000, between 8 am and 6 pm Mondays to Fridays,
and between 8 am to 1 pm on Saturdays.
We are closed on Sundays and public holidays.
Terms, conditions and rules apply.
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:
When using your Online Banking, you pay no data fees.
With Online Banking you can do your day-to-day banking:
You can also buy:
|
You can use Connect to:
You can take control and protect your account by:
You also get additional features that include:
|
View our How to register for Online Banking demo
Terms, conditions + rules apply.
Even more family benefits
Up to 8 complimentary SLOW Lounge visits per annum - Domestic or International - for you and your family when you book flights through eBucks Travel
SLOW Lounge boasts many features and services, such as freshly brewed coffee, tasty snacks and an abundance of power sockets, high speed WiFi, private studies, spa treatments, and a selection of books and newspapers to enjoy while you wait for your flight.
SLOW Lounges are located at the domestic terminals of the O.R. Tambo, Cape Town and King Shaka International Airports as well as at the international terminal of the O.R. Tambo International Airport.
Terms, conditions & rules apply
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
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
Courtesy Services**
**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
***Petro Card number is the 16 digit number on the front of your card
Report a lost or stolen card within 24 hours of the incident to a 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 cancelled.
Should your card get lost or stolen, call the Lost Card hotline immediately on 087 575 9406
Report fraudulent transactions instantly via the FNB Banking App.
Alternatively, contact us to report a fraudulent incident: 24 hour fraud line - 087 575 9444
Email: phishing@fnb.co.za
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.
For any unknown or suspicious transactions you will be able to connect to the fraud helpline immediately.
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.
Medical expenses can be high. We can Help.
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.
Making use of your FNB Premier Credit Card at any of these stores rewards you with a promotional interest rate of prime on selected Apple devices, golf clubs, and bicycles.
*Apple devices also available via istore.co.za (select the device, select buy on FNB and follow the steps). Find out more on www.istore.co.za/FNB.
Important points to remember:
**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
Enjoy a world-class banking experience with 24/7 access to a team of dedicated Premier Bankers from only R99 p.m.
Discover the exclusive lifestyle rewards and benefits a Premier Credit Card offers.
A Premier Credit Card gives you benefits to help you in every life situation.
Move unexpected medical expenses to the budget facility
Access to exclusive offers at a competitive interest rate
Terms, conditions & rules apply
As an FNB Premier account holder, you can get more value each month with eBucks. Enjoy free membership to the eBucks Rewards programme and simply qualify to start earning rewards.
Earn additional eBucks with Smart Spend when you use your FNB Premier Virtual Card to pay in-store or online.
eBucks awarded for Smart Spend will take 2 - 3 business days to reflect in your eBucks account.
Track your Smart Spend and see how many eBucks you've earned during the month by visiting the
FNB App > eBucks > Earn > Smart Spend.
A range of solutions to help you manage your cashflow.
We deliver to your door
The Premier Bundle offers great benefits and rewards while giving you all the convenience you need for daily banking.
What you can do
The FNB Virtual Card on the FNB App is a faster, safer and more secure way to pay for online
and in-store purchases wherever you are in the world. You can create multiple virtual cards at no additional cost , to use as you need them.
Your CVV number changes every hour. Create, cancel, delete or block your card at any time.
Virtual cards can also be used for FNB Pay (Tap to Pay and Scan to Pay) and all partner wallet transactions, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, and SwatchPAY!, without the need for a physical card.
Choose more value for you and your family and earn eBucks while you spend online.
Get instant insurance for items purchased with your virtual card at no extra cost.
Tell me moreOther ways to apply
Complete the call me back form
Find a branch
Apply on the FNB Banking App