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)
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 Private Clients 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.
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 regularly
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
Bank safely and securely with the FNB App.
Your Private Advisor
Your single, convenient point of contact with FNB - a trusted and dedicated Private Advisor.
SLOW Lounge access
Catch your breath at the luxurious SLOW Lounges before your next flight.
Global Travel Insurance
Keeps you covered no matter where you go in the world - at no charge.
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.
Online shopping is secure and very efficient whether you need something delivered from abroad or from around the corner
Just tap your card on the speedpoint to make use of the contactless payment function
Set your credit card as your default account on FNB Pay, then simply tap your Android smartphone to pay
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.
Enjoy a personalised interest rate tailored to your unique credit profle
You get a 55 days interest free period
Choose a repayment period of between 6 and 60 months
Never worry about missing a payment, choose from 5 convenient repayment options
Receive Automatic Debt Protection on the outstanding debt on your credit card
Create & pay with your own
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.
FNB Purchase Protect
Get instant insurance for items purchased with your virtual card at no extra cost.
Tell me more
Applying made easy
Simplify your life
Earn between R750 000 and R1 799 999 p.a. to qualify
How to get it
Other ways to apply
Apply on the FNB App
If you're an existing customer contact your Private Advisor
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
First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).