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Corporates + Public Sector

Corporate Public Sector
 

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The rewarding choice


Belonging to Private Clients delivers exclusive benefits and rewards, tailored to better ft your particular lifestyle and needs. Automatic membership of eBucks through your qualifying FNB Private Clients Credit Card ensures your transactions consistently earn you eBucks, depending on your reward level.

  • Earn up to 2.5% back in eBucks when you pay with your Private Clients Credit Card in-store
  • Earn up to 2.5% back in eBucks when you use your Private Clients Credit Card to shop online
  • Earn up to 15% back in eBucks on your FNB Connect contracts and prepaid airtime, FNB Life Cover, and Checkers & Shoprite spend
  • Earn up to 15% back in eBucks when you buy Gautrain tickets, on your domestic Uber rides and Uber Eats orders.
  • Earn up to 50% back in eBucks on foreign currency transactions through FNB Forex
  • Double up on fuel (quarterly) and earn up to R8 per litre back in eBucks on your fuel spend at Engen.
  • Earn up to R4 per litre back in eBucks on your fuel spend, exclusive to Engen.

Find a branch


eBucks Lifestyle


Enjoy the services of eBucks Lifestyle, your dedicated Lifestyle Assistant will be able to facilitate you with a range of services:

Travel arrangements
All your travel arrangements including flights, car rental and accommodation.

Gifting services
Including flowers, wine, gift vouchers and hampers

Lifestyle experiences
Experiences such as spa days, hot air balloon rides and luxury picnicking.

Dining reservations
Booking a table at your chosen restaurant.

Sourcing tickets
Assistance in sourcing sport and event tickets.

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

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

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

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.

A dedicated Private Banker


Access to a dedicated Private Banker and Private Banking Analyst supported by a team of specialists to assist with your Money Management needs

  • Assist with all your banking queries as your single point of contact
  • Provide financial and wealth planning solutions through a team of specialists
  • Offer you the best investment solutions to suit your needs
  • Assist in arranging forex
  • Provide financial and wealth planning solutions through a team of specialist
  • Help you to structure your lending in a way that works for you
  • Guidance on rewards and benefits
  • Apply for finance when buying a home or car

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.

SLOW Lounge


Even more family benefits
Earn up to 12 additional SLOW Lounge visits - 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



Global Travel Insurance


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.


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 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

  • 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 Debit, 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 Global Travel Insurance you get:

  • Up to R5 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 or stolen 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 . 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.

inContact


A free electronic messaging system sending transaction notifications to your smartphone.

inContact offers you the ability to:

  1. Identify any unauthorised transactions on your accounts and report fraud immediately.
  2. Receive messages for transactions on accounts that belong to you only.
  3. Set your desired amount from as little as 1 cent and get notifications on the FNB App of money going in and out of your account.
  4. Manage the funds in your accounts.
  5. Receive messages with details of your multiple debits that are processed overnight, e.g. debit orders, stop orders and scheduled payments.
  6. Customise the notifications received. You can:
    • Choose when you want to receive your messages - during the day (7am - 8pm) or 24 hours a day
    • Choose to be notified of any transactions that exceed an amount specified by you
    • Choose how to receive notifications - via SMS, email or both
    • Choose which accounts you want to link to inContact

inContact will not send messages for transactions on accounts you access via a link or mandate. You can register for this service at any FNB branch.


Decline inContact messages are an innovative and convenient method of advising customers of why their transactions have been declined. These messages are identical to normal inContact notifications and this service is also free.


Terms , conditions and rules apply.

Exclusive FNB offers from partners such as iStore, The Pro Shop, Cycle Lab and KOODOO.co.za


Making use of your FNB Private Clients Credit Card at any of these stores rewards you with a competitive interest rate on selected Apple devices, golf clubs, bicycles and PlayStation consoles.

  • Purchase your Apple device*, golf clubs, bicycles or PlayStation consoles** from our partners using your credit card
  • At iStore, The Pro Shop or Cycle Lab, inform the cashier that you want to put the transaction on the FNB budget plan and select the term
  • FNB will transfer the purchase to the budget facility at a competitive interest rate
  • 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 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:

  • You must have a limit available to cover the total amount of the purchase price.
  • Your balance will reduce by the full amount.
  • 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 rate, specifically if the limit does not cover the purchase amount
Refer to our full Terms and Conditions.

Move unexpected medical expenses to budget at a competitive interest rate


Medical expenses can be high. We can Help.

  • Swipe or tap your FNB Private Clients Credit Card for a qualifying medical transaction
  • A message is sent to you with the budget plan offer
  • If you respond to move to budget, the transaction and limit will be moved to budget over 6 months, at a competitive interest rate.

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

Report fraud


Report any fraudulent incident any time.
24 hour single fraud line
SA only
087 575 9444
Outside SA
+27 11 369 2924
Email
phishing@fnb.co.za

#JustTap


Just 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.

How does it work?

When you tap your card on the Contactless reader, your card information is transmitted and your purchase can be processed. It's safe, simple and fast.

Why is it a better way to pay?

  • It's easy to use - simply tap and pay.
  • It's completely secure - your FNB Contactless Card is just as secure as any other chip and PIN card that carries multiple layers of security.
  • You have total control of the transaction and your money because your card never leaves your hand.
  • Contactless payments are up to 4 times faster than normal card payments which mean spending less time in queues.

How to pay

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)

FNB Pay


FNB Pay is a convenient, safe and secure alternative to making payments in-store without the need for a card or cash.

To use FNB Pay, you only need to download the FNB App and register your qualifying card (When ready to make a payment look out for the contactless logo). Simply unlock your android smartphone and tap it on the card machine.

Using your smartphone to pay for purchases in-store is just as secure as using your card.

How to register

  1. Have the latest version of the FNB App downloaded on your smartphone
  2. Ensure your phone has the latest version of Android (4.4 or higher)
  3. Register a FNB Debit card or FNB Credit card for FNB Pay

How it works

  1. Unlock
    Simply unlock your smartphone with your device passcode (pattern, password, PIN or fingerprint).
  2. Tap
    Tap your phone on the card machine. You may need to hold the phone down for a few seconds. *Please note your smartphone must be unlocked for payment to be successful.
  3. Confirm
    Your phone will vibrate once for a successful payment and you will receive a push notification. For amounts over R500 you will need to enter your PIN on the card machine.

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 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.

Lost Card Protection may not apply if it is determined that you were careless in protecting your card or PIN.

Should your card get lost or stolen, call the Lost Card hotline immediately on 087 575 9406

Terms, conditions and rules apply.

Personalised interest rate


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.
  • 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)
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

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, log into the FNB App and chat to our team of bankers via Secure Chat.

Terms and conditions apply

Online Secure Shopping


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

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

FNB Banking App


Discover Fast, reliable and secure banking, whenever, wherever on the FNB App. Enjoy full control of your banking,24/7,without the need to go to a branch Plus,the FNB App is free to use on all major networks. No data costs are charged no matter how many transactions or how long you use the app.


Do your day-to-day banking:

  • Manage your credit limit with the option to increase or decrease it
  • View and change your PIN
  • Temporarily block and unblock your card
  • View and download statements
  • Cancel and order a new card
  • View balance and transaction history
  • Manage daily transactions limits
  • Report fraud immediately
  • Get access to your team of bankers with Secure chat
  • Track your eBucks rewards


You can also buy:

  • Prepaid Airtime
  • Data Bundles
  • SMS Bundles
  • Prepaid electricity
  • iTunes

You also get additional features that include:

  • Managing your eBucks account and finding partners
  • Buying vouchers
  • Redeeming coupons
  • Locate FNB branches
  • Locating ATMs


Visit your App Store to download the FNB Banking App today. Just register and you're on your way. Downloading the FNB Banking App is compatible with Android™, Apple™, BlackBerry™ and Nokia™ Symbian devices*. For queries, email: fnbappsupport@fnb.co.za To find out how to link your device, call: 087 575 0362 View the software license agreement and remote banking agreement

*Android devices include HTC, Samsung, LG, Motorola, Sony Ericsson and Huawei. BlackBerry devices include the Torch, Storm, Bold and Curve that are OS5 or higher

Terms, conditions, rules+ standard network rates apply.


Even more rewards

When you spend at our partners

  • Up to 15% back in eBucks at Checkers & Shoprite
  • Up to 15% back in eBucks at Clicks
  • Up to 15% back in eBucks on the latest Apple products at iStore
  • Up to R8/l back in eBucks every quarter with Engen & WesBank

When you look after the ones you love

  • Up to 40% back in eBucks on your FNB Life Insurance premiums every month

When you learn from home

  • Save up to R399 when you buy eTextbook vouchers with eBucks & Snapplify

When you stay connected

  • Up to 2GB data, 30 voice minutes & 30 SMSs every month on your FNB Connect SIM

When you travel

  • Get up to 40%* off selected flights for you and your family with eBucks Travel
  • Unlock an Avis Car Hire discount of up to 40% off when you book flights on the FNB App
  • Get up to 20 complimentary SLOW Lounge visits per year
  • Unlock up to 18 bonus SLOW Lounge visits when you book flights with eBucks Travel
  • Get a free Wimpy breakfast or burger at participating Engen 1Stops every quarter

When you spend time with the family

  • Up to 40% back in eBucks on your Video Streaming (Netflix) and Music Streaming (Spotify®) subscriptions when your family banks with FNB
  • Enjoy a fresh smoothie, coffee or up to R100 to spend in-store at KAUAI every month
  • Get more 2-for-1 deals with The Entertainer & let FNB cover the cost until the end of 2021

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.

Medical:


Medical expenses can be high. We can Help.

  • Swipe or tap your FNB Private Clients 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

Medical

Exclusive FNB offers from partners, such as iStore, The Pro Shop and Cycle Lab


Making use of your FNB Private Clients 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 transr 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 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:

  • You must have a limit available to cover the total amount of the purchase price.
  • Your balance will reduce by the full amount.

Refer to our full Terms and Conditions

iStore

Pro Shop & Cycle lab

SLOW Lounge access


Enjoy up to 20 complimentary Domestic SLOW Lounge visits per year, depending on your reward level

Even more family benefits
Earn up to 18 additional SLOW Lounge visits - 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



Private Clients Credit Card | Earn R750 000 to R1 799 999


Appreciate the remarkable

Your FNB Private Clients Credit Card is the ideal transactional banking tool that offers you exclusive benefits suited to your
lifestyle, with a competitive personalised interest rate and up to 55 days interest-free purchases.

(No monthly account fee for your FNB Private Clients Credit Card if bundled with your matching Fusion, Single Facility or Current Account)

Pricing guide

 

Get up to 3x your monthly account fee back in value


As an FNB Private Clients 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.


Even more ways to earn

Earn additional eBucks with Smart Spend when you use your FNB Fusion Private Clients card, FNB Private Clients Credit Card, FNB Private Clients Debit card or FNB Pay during the month.

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.

Enjoy all-inclusive value


Get access to these great benefits on your FNB Private Clients Credit Card:

  • Budget facility with repayment periods from 6 to 60 months
  • FNB Global Travel Insurance that will keep you covered no matter where you travel in the world
  • Take care of your last outstanding debt to protect you and your family with automatic debt protection of up to R12 000, additional top up cover available
  • Unlimited virtual cards - It's simple, safe, and smart enough to change its 3-digit CVV hourly
  • Purchase protect offers cover for items purchased using your FNB Virtual Credit Card.
  • The cover is limited to tangible items only such as furniture and personal items including clothing, cellphones, and laptops. Cover is up to R12 500
  • The option for FNB Credit Card to move your unexpected medical transactions to budget, at a competitive interest rate.
  • Access to exclusive FNB Credit Card offers from retailers, such as iStore, The Pro Shop and Cycle Lab and KOODOO.co.za at a competitive interest rate.

Move your unexpected medical transactions to budget, at a competitive interest rate.

Access to exclusive FNB Credit Card offers at a competitive interest rate

 

Great things await...


FNB App

Bank safely and securely with the FNB App.

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Your Private Banker

Your single, convenient point of contact with FNB - a trusted and dedicated Private Banker.

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SLOW Lounge access

Catch your breath at the luxurious SLOW Lounges before your next flight.

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Global Travel Insurance

Keeps you covered no matter where you go in the world - at no charge.

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Guarding your banking journey


Safer banking is always top of mind, so we've put many measures in place to ensure this. You can set your notification limits, block your card via the app and report fraud instantly, to mention a few.

 

Ways to use your credit card


Your credit card is versatile, easy to use and super secure. Here are a few ways you can use your credit card.

Click

Online shopping is secure and very efficient whether you need something delivered from abroad or from around the corner

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Tap

Just tap your card on the speedpoint to make use of the contactless payment function

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FNB Pay

Set your credit card as your default account on FNB Pay, then simply tap your Android smartphone to pay

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Swipe

Wherever you make a purchase, simply swipe your credit card to pay



The features of convenience


Enjoy a range of solutions to help you manage your cashflow.

Personalised rate

Enjoy a personalised interest rate tailored to your unique credit profle

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Interest free

You get a 55 days interest free period

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Budget facility

Choose a repayment period of between 6 and 60 months

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Automated payments

Never worry about missing a payment, choose from 5 convenient repayment options

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Debt protection

Receive Automatic Debt Protection on the outstanding debt on your credit card

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Stay up to date with


BusinessLIVE

With news you can trust from leading online newspaper publications.

As an FNB Private Clients Account client who holds a Fusion Account or Debit & Credit Card you will receive a discounted subscription to a variety of world-class publications such as Business Day, Financial Mail and the Sunday Times.

These respected South African media sources guarantee you credible news, always.

Subscribe and save

The monthly subscription will give you access to:

  • Business Day e-edition (digital replica of the newspaper)
  • Financial Mail e-edition (digital replica of the magazine)
  • Full digital access to the Sunday Times (including e-edition)

New subscribers pay R10 for the first month, and thereafter receive a 50% discount and pay only R174 per month.

Copy and paste this link into your browser to subscribe: https://www.businesslive.co.za/subscribe/fnb/

View the terms and conditions

Create & pay with your own
virtual card


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 also create an unlimited
number of cards at no additional cost to use as you need them.

It's safe

Your CVV number changes every hour. Create, cancel, delete or block your card at any time.

It's convenient

Virtual cards can also be used for FNB Pay (Tap to Pay, Scan to Pay) and all partner wallet transactions, including Apple Pay,
Samsung Pay, Fitbit Pay and Garmin Pay, without the need for a physical card.

Earn eBucks

Make your money go further and earn eBucks while you spend online.

FNB Purchase Protect

Get instant insurance for items purchased with your virtual card at no cost to you

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Applying made easy


Simplify your life

Qualifying criteria

Earn between R750 000 and R1 799 999 p.a. to qualify

How to get it

Apply now!

Other ways to apply

Find a branch

Apply on the FNB App
If you're an existing customer contact your Private Banker

Documents needed

  • South African ID book (bar-coded)/valid South African passport (SA resident)
  • Passport with valid work/retirement permit (non-SA resident)
  • Proof of residence (in your name, and not older than 3 months)
  • Latest payslip or last three months' bank statements