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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.
  • Free 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)
FREE
R1 000
FNB Classic Credit Card
FREE
R2 000
FNB Gold Credit Card
FREE
R5 000
FNB Premier Credit Card
FREE
R12 000
FNB Private Clients Credit Card
FREE
R12 000
FNB Private Wealth Credit Card FREE
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), 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 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.

Earn & spend your eBucks


Did you know you can earn eBucks when you spend your eBucks at Makro?

Plus, if you don't have enough eBucks you can part pay with your FNB Credit Card to receive the 10% fixed interest rate when using your budget facility for purchases between R2 500 and R15 000 in-store or online.

Get your Makro card today


Don't have a Makro card?
Get your Makro card on the Makro mCard app or in-store today in order to start shopping.

Budget facility


Using the budget facility on your credit card is easy. Once you have purchased your goods, choose a repayment period between 6 to 60 months.

Don't have a budget facility on your credit card? Log in to online banking and do a limit shift on your credit card profile.

Find a Private Wealth office


Select a province

Gauteng


Pretoria

Menlyn Place, 87 Frikkie De Beer Street,

Menlyn 0181

GPS co-ordinates: -25.781266,28.277693

Telephone: 087 736 6647

Download map

Sandton

5 Merchant Place, 3rd Floor,

9 Fredman Drive, Sandton

GPS co-ordinates: 26° 06' 03" S; 28° 03' 22.90" E

Telephone: 087 335 5500

Download map

KwaZulu-Natal


Pietermaritzburg

Redlands Estate, 01 George McFarlane Lane

Wembley, Pietermaritzburg, 3201

Telephone: 087 335 0920

Download map

Umhlanga

FNB Acacia House, 2nd Floor,

2 Kikembe Drive, Umhlanga Rocks

GPS co-ordinates: -29.730436, 31.069312

Telephone: 087 335 0843

Download map

Free State


Bloemfontein

197 Nelson Mandela Rd,

Brandwag 9301, Bloemfontein

GPS co-ordinates: -29.107664,26.19603

Telephone: 051 406 7625

Download map

Eastern Cape


East London

Pebble Mill House, Quartzite Drive,

The Quarry East London 5201

GPS co-ordinates: -32.993547,27.90699

Telephone: 087 730 7231

Download map

Port Elizabeth

FNB Newton Place Building

16 Newton Street, Newton Park, 6045

GPS co-ordinates:

Telephone: 087 736 2617

Download map

Western Cape


George

Church Corner Building, Ground Floor,

Cnr Church and Courtenay Street

GPS co-ordinates: -33.960127,22.471504

Telephone: 087 343 0774

Download map

Portside

27th floor, Portside, 5 Buitengracht Street,

Cape Town, 8001

GPS co-ordinates: -33.916772, 18.422046

Telephone: 087 335 6470

Download map

Tygervalley

Willowbridge Place, Cnr Carl Cronje & Old Oak Drives,

Tygervalley, Cape Town

GPS co-ordinates: -33.86842,18.631611

Telephone: 087 736 1820

Download map

Get in touch


The Service Suite is available on

087 730 6000

or email

servicesuite@fnbprivatewealth.co.za

Bundled pricing option


Private Wealth clients will enjoy the benefits of a single discounted monthly fee for a portfolio of products:

  • Private Wealth Cheque Account
  • Private Wealth Credit Card
  • Savings Account
  • Money Maximiser Account1
  • Global Account2

To further help you get better banking value, you will now also have the opportunity for your monthly fees to be waived/rebated on the following products through our Private Wealth offering:

  • Overdraft3
  • Securities Local Trader Account4
  • Securities Global Trader Account5
  • FNB Channel Islands Current Account6

1. A minimum opening deposit of R100 000 is required to activate the account and must be maintained to continue earning interest

2. Fees are applicable to foreign exchange transactions

3. Refer to terms and conditions of your credit agreement

4. A minimum balance of at least R25 000 must be maintained in your Local Trader Account. The monthly account fee will be charged to your account and reversed in the following month.

5. Only applicable to Non-Discretionary Accounts. A minimum balance of at least $10 000 must be maintained in your Global Trader Account. The monthly account fee will be charged to your account and reversed in the following month.

6. A minimum balance of at least £5000 must be maintained in your FNB Channel Islands Current Account

Note: This pricing option is only applicable to individuals, joint accounts do not apply. Click here to download the pricing guide

Comprehensive Global Travel Insurance


Comprehensive Global Travel Insurance will keep you covered no matter where you go in the world, when you purchase your return travel ticket(s) on your credit card you will get up to R10 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 Comprehensive Global Travel Insurance?

To qualify for Comprehensive Global Travel Insurance you require a qualifying FNB Cheque, 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 Cheque, 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 Comprehensive Global Travel Insurance you get:

  • Up to R10 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, stolen or damaged baggage

For more information view the Global Travel Insurance Policy together with the Comprehensive 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 with the Senior Schedule of benefits . 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

AA Emergency Roadside Assistance


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.

AA Emergency Roadside Assistance


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.

Visa Global Customer Assistance Service


Friendly assistance wherever you go in the world.

Through the Global Customer Assistance Service (GCAS) programme, Visa provides high-quality assistance to Visa cardholders when they travel overseas.

This is a multilingual service and is available globally, 24-hours a day, 365 days a year.

The services available include:

  • Lost and stolen card reporting
  • Emergency card replacement
  • Emergency cash payout for up to USD $5000

If you need assistance please call 0800 990 475 or +1(0) 410 581 9994 from anywhere in the world alternatively send an email to: cardcancellationqueries@fnb.co.za for Lost / Stolen Card and Emergency Card Replacement
or
email cancellations@fnb.co.za for Emergency Card Authorisation

You have a local support system should you have a medical emergency while travelling abroad or if your card is lost or stolen: Visa Global Customer Assistance Service (GCAS) - 0800 990 475. This is a free call.

Terms, conditions and rules apply.

SLOW Lounge


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 or train.

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



Simply wave and pay


It's simple, smart and convenient.

Contactless technology allows you to make fast and secure payments for low value purchases by simply waving your card in front of a contactless enabled Point-of-Sale (POS) terminal.

Need to pay for a high value purchase? No problem. For your safety it simply means that you will be required to insert your PIN as usual.

What is Contactless Technology?

Embedded in your FNB Contactless Credit Card is a special chip and antenna. When you wave your card in front of the Contactless reader, your account information is transmitted via short range radio frequency. It's safe, simple and fast.

Why is it a better way to pay?

  • It's easy to use - Simply wave and pay
  • It's completely secure - your FNB Contactless Credit Card is just as secure as any other Chip & 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 credit card payments which mean spending less time in queues.

Pay with your FNB Contactless Credit Card in three easy steps;

  1. Lookout for the Contactless symbol in-store and on the Point-of-Sale (POS) terminal.
  2. Once the cashier has tallied up your purchases and you are ready to pay, hold/wave your card within 4cm of the Contactless Reader for a few seconds.
  3. The transaction is complete once the green light appears. (Note: Some merchants have waived the need for a signature, others may ask you to sign the till receipt)

Where can I use my Contactless Credit Card?

Your FNB Contactless Credit Card is accepted at merchants locally and internationally displaying the Contactless symbol.

As an additional security feature, the first time you use your FNB Contactless Credit Card, you will be asked to insert your PIN, and thereafter all low value transactions at a Contactless retailer will not require a PIN

FNB Contactless Credit Card FAQs


iPhone 8

Starting from R499.00 pm

  • All-new glass design.
  • More advanced 12MP camera.
  • Most powerful chip ever in a smartphone.
  • Effortless wireless charging.
  • Never before possible augmented reality experiences.

Get added peace of mind with a free iCare Plus voucher for your new iPhone. Valued at R1499, it includes a screen repair and extended warranty. Visit the iStore website to secure your voucher from 20 October 2017. Limited Vouchers available.

Available at iStore from 20 October 2017.


Series 3 Watch

Starting from R217.00 pm

  • Faster dual-core processor.
  • Built-in GPS and GLONASS.
  • Is water resistant for up to 50 square metres.
  • Battery life of up to 18 hours.
  • With a heart rate sensor.

Available at iStore from 20 October 2017.

Qualifying requirements


To qualify make sure you:

  1. Have a monthly deposit* of at least R60 000 into an FNB Fusion Private Wealth Account, FNB Private Wealth Cheque Account, FNB Private Wealth Single Facility, FNB One Account or an FNB Private Wealth Islamic Cheque Account.

    OR

  2. Have a monthly deposit* of at least R5 500 if you are on the Spousal pricing option.

    OR

  3. Have average deposits over 12 months of at least R60 000 into an FNB Fusion Private Wealth Account, FNB Private Wealth Cheque Account FNB Private Wealth Single Facility, FNB One Account or an FNB Private Wealth Islamic Cheque Account.

    OR

  4. Have average deposits over 12 months of at least R5 500 if you are on the Spousal pricing option.

    OR

  5. Have a monthly balance of at least R100 000 in an FNB Fusion Private Wealth Account, FNB Private Wealth Cheque Account, FNB Private Wealth Single Facility or FNB Private Wealth Islamic Cheque Account. Or if you are on the Spousal Pricing Option

    *For the purpose of meeting the minimum deposit qualification criteria, 'deposit' means the payment of your salary, payment or drawings. 'Deposits' specifically exclude (but are not limited to) any inter-account transfers.

Make sure that ALL your FirstRand Bank accounts are in *good standing

FNB's Digital channel usage:

  • If you're under the age of 60:
    • Log in to the FNB App at least once a month using your own banking profile.
    • You only qualify to earn eBucks, up to reward level 2 , even if you're under 60 and don't transact on the FNB App. Simply meet the following requirements:
      • The deposit/balance rule
      • The good standing rule
      • You transact via Online Banking
  • You're exempt from this rule if you're over 60.

Remember:

  • If you stop meeting any one of these requirements at any time, you won't qualify for eBucks Rewards.
  • An account that's active means that there's regular activity on the account or that the account is still being used for its original intended purpose.
  • *An account that's in good standing means it isn't overdrawn, in arrears or in default; you haven't missed a premium and you aren't undergoing sequestration, business rescue, collection or liquidation proceedings (excluding debt review proceedings). This applies to all FirstRand Bank accounts, including but not limited to FNB, Ashburton WesBank accounts and RMB Private Bank accounts.
  • If you only have an FNB Private Wealth Credit Card, you'll qualify to earn eBucks on reward level 1 only, as long as you spend at least R10 000 per month or R30 000 over three months on your FNB Private Wealth Credit Card, log in to the FNB App at least once a month and ensure that all your accounts are in good standing.
  • FNB Private Wealth Cheque Account(s) includes the following accounts: FNB Private Wealth Cheque Account, FNB Islamic Private Wealth Account, an FNB Private Wealth Single Facility, FNB Private Wealth One Account or an FNB Private Wealth Fusion Account/FNB Private Wealth Cheque Account/ FNB Islamic Private Wealth on the Spousal Pricing option.

Maximise your points to reach level 5

You have the opportunity to move up a reward level every month because your reward level is reviewed monthly. The eBucks dashboard simplifies your life by giving you tips on how to move up a reward level and our eBucks Rewards Calculator will show you the easiest way to

Reward rates


You're ready to reach your goals once you've qualified and determined your reward level. Now we can help you make your money mean more because you're ready to earn eBucks.

You earn a % back on all of your qualifying purchases depending on your reward level. Your aim should always be to be on reward level 5 to maximise your eBucks Earn.

The reward rates need to be read in conjunction with the earn rules below.

Points collected monthly 1 000
-
6 499
6 500
-
9 499
9 5000
-
12 499
12 500
-
15 499
15 500
or
more
To qualify for reward level 2 and above, you need an FNB Fusion Private Wealth Account OR you need both an FNB Private Wealth Credit Card AND an FNB Private Wealth Cheque Account/FNB Private Wealth Single Facility
Your reward level 1 2 3 4 5
In-store shopping: Credit Card/Fusion Card 0.5% 0.9% 1.3% 1.8% 3%
In-store shopping: Cheque Card 0,25%
Online shopping: Credit Card/Fusion Card 0.5% 0.9% 1.3% 1.8% 3%
Online shopping: Cheque Card 0,25%
NEW! FNB Global Debit card 0.5% 1% 2% 2.5% 4%
Engen: rands/litre* R0.10 R0.25 R0.75 R2.00 R4.00
Transport: Gautrain & Uber 0.5% 2.5% 5% 7.5% 15%
Checkers & Shoprite 1% 2.5% 5% 7.5% 15%
FNB Connect 1% 2.5% 5% 7.5% 15%
FNB Life Insurance - Protect Series 1% 2.5% 5% 7.5% 15%
FNB Life Insurance - Simplified and Customised 1% 2.5% 15% 25% 40%
Forex 5% 10% 20% 30% 50%

Double up on Fuel is a quarterly reward in addition to your normal eBucks earned each month for fuel purchases at Engen. If you have met all the qualifying requirements, at the end of the quarter, you will earn an additional up to R4/litre back in eBucks over and above the eBucks you have already earned each month for your fuel purchases, effectively giving you up to R8/litre back in eBucks once a quarter on your total Engen earn for that quarter.

Engen Earn R0,10 R0,25 R0,75 R2 R4
Double Up Earn R0,10 R0,25 R0,75 R2 R4
Total Double Up & Engen Earn for Quarter(Rands/litre) R0,20 R0,50 R1,50 R4 R8

Earn rules


Determining your reward level

Your reward level is calculated around the 8th of each month, based on the number of reward level points you've collected from FNB in the previous month.

Qualifying purchases

  • Qualifying purchases (i.e. spend on which you earn eBucks) excludes Cash@TillĀ®, transfers, EFTs, debit orders, cash withdrawals, travellers' cheques, foreign exchange transactions and casino gambling transactions.
  • Qualifying purchases include in-store and online shopping purchases as well as Engen purchases made using your FNB Fusion Private Wealth Card, FNB Private Wealth Credit Card and/or FNB Private Wealth Cheque Card.
  • You don't earn eBucks on joint accounts or on FNB Money Market Transactor Accounts.

Shopping

Shopping spend limits apply irrespective of whether you shop domestically or internationally.

In-store shopping

  • The amount on which you earn eBucks is limited to a total monthly Rand spend (on qualifying card swipes only) of R30 000 on your qualifying FNB Fusion Private Wealth Card, FNB Private Wealth Credit Card and/or FNB Private Wealth Cheque Card. Thereafter, you'll earn eBucks on in-store shopping purchases made using your FNB Fusion Private Wealth Card or FNB Private Wealth Credit card at a flat rate of 0.5%.
  • You won't earn eBucks on in-store shopping purchases above the R30 000 spend limit made using your FNB Private Wealth Cheque Card.
  • Your FNB Fusion Private Wealth Card/FNB Private Wealth Credit Card spend is considered first towards the spend limit.

Online shopping

  • The amount on which you earn eBucks at your online shopping reward rate is limited to a total monthly Rand spend (on qualifying online spend only) of R7 500 on your qualifying FNB Fusion Private Wealth Card, FNB Private Wealth Credit Card and/or FNB Private Wealth Cheque Card. Thereafter, you'll earn eBucks on online purchases made using your FNB Fusion Private Wealth Card or FNB Private Wealth Credit Card at a flat rate of 0.5%
  • You won't earn eBucks on online purchases above the R7 500 spend limit made using your FNB Private Wealth Cheque Card.
  • Your FNB Fusion Private Wealth Card/FNB Private Wealth Credit Card spend is considered first towards the spend limit.

NEW! FNB Global Debit Card

  • Earn up to 4% back in eBucks on your FNB Global Debit Card purchases.
  • The amount on which you earn eBucks is limited to a total monthly spend of R40 000 Thereafter, you'll earn eBucks on in-store shopping and online purchases made using your FNB Global Debit Card at a flat rate of 0.5%.
  • Foreign currency will be converted back to ZAR at the end of the month based on the average exchange rate as per FNB Forex.

Engen

  • Earn up to R4/litre back in eBucks on your fuel spend at Engen only, based on the price of inland ULP 95. No earn will be awarded on fuel purchases at any other fuel retailers.
  • The amount on which you earn eBucks is limited to 20% of your total monthly qualifying FNB Fusion Private Wealth Card, FNB Private Wealth Credit Card and/or FNB Private Wealth Cheque Card spend or a total Rand spend of R3 000 per month, whichever occurs first.
  • You can fill up at any domestic Engen fuel station, but you must pay for your Engen fuel at the Engen forecourt. You won't earn eBucks if you pay at the Quickshop at the Engen fuel station.
  • An FNB Private Wealth Linked Petro card will qualify to earn eBucks when you fill up at any Engen fuel station.
  • You will not earn eBucks back on any fuel purchases made on an FNB Private Wealth standalone Petro Card or any FNB Petrol card.
  • Note: You'll not earn eBucks on Engen fuel spend above the R3 000 spend limit made using your FNB Fusion Private Wealth Card, FNB Private Wealth Cheque Card/ FNB Private Wealth Credit Card.

To find the nearest station click HERE .

Gautrain, Uber and Uber Eats

  • Earn up to 15% back in eBucks on Gautrain, Uber & Uber Eats.
  • The amount on which you earn eBucks is limited to 20% of your total monthly qualifying FNB Fusion Private Wealth Card, FNB Private Wealth Credit Card and/or FNB Private Wealth Cheque Card spend or a total Rand spend (on Gautrain, Uber and Uber Eats) of R2 000 per month, whichever occurs first.
  • You only earn eBucks on Uber rides taken domestically and domestic Uber Eats purchases, (i.e.: within the borders for South Africa).

Checkers & Shoprite purchase

  • The amount on which you earn eBucks is limited to 20% of your total monthly qualifying FNB Fusion Private Wealth Card, FNB Private Wealth Credit Card and/or FNB Private Wealth Cheque Card spend or a total Rand spend (on qualifying card swipes only) of R10 000 per month, whichever occurs first.
  • Your FNB Fusion Private Wealth Card/FNB Private Wealth Credit Card spend is considered first towards the spend limit.
  • If you haven't yet met the qualifying requirements, you'll earn 0.5% back in eBucks on in-store purchases made at Checkers & Shoprite using your FNB Fusion Private Wealth Card, FNB Private Wealth Credit Card or FNB Private Wealth Cheque Card.
  • You won't earn eBucks on purchases made at MediRite Pharmacies, Money Markets, Computicket, Computicket-Travel and Cash@Till® withdrawals.

FNB Connect contracts and prepaid purchases

  • eBucks won't be earned on any device premiums linked to your contract(s) or for FNB Connect Ultimate/ Unlimited/TalkMax package.
  • The amount on which you earn eBucks is limited to a total monthly Rand spend of R1 000 on qualifying FNB Connect contracts and/or prepaid purchases only and excludes any prepaid purchases using eBucks as the payment method.
  • You only earn eBucks on FNB Connect prepaid purchases bought via FNB's Digital channels:
    • FNB App - you must have a compatible smartphone or tablet to use this.
    • Download the FNB App from your Apple App store/Google Play store.
    • Online Banking
    • Cellphone Banking - dial *130*321# or *120*321#.

NEW! FNB Life Insurance: Protect Series

  • Earn up to 15% back in eBucks on your FNB Life Insurance Protect Series products.
  • You will earn eBucks back on premiums for the following cover types: FNB Funeral plan and FNB Accidental Death plan.
  • The amount on which you earn eBucks is limited to a total monthly premium spend of R7 000.
  • The monthly premiums on your qualifying FNB Life Insurance Protect Series products, must be paid on time from your FNB Fusion Private Wealth or FNB Private Wealth Account. You won't earn eBucks for any month where premiums weren't paid - either because you didn't make payment that month, or because FNB Life Insurance chose to waive your premium that month for any reason.
  • The percentage earned back in eBucks is calculated based on the sum total of monthly premiums for all your qualifying FNB Life Insurance Protect Series policies products. Your participation in the eBucks programme allows us to better assess your risk enabling you to earn back a percentage of your premium in the form of eBucks and/or collect points towards your rewards level.
  • In the case of an FNB Life Insurance Protect Series product, only the payer of the premiums will earn eBucks; other lives insured and/or beneficiaries named in the policy won't earn eBucks.
  • These rules apply automatically upon you qualifying for eBucks Rewards.

NEW! FNB Life Insurance: Simplified and Customised

  • Earn up to 40% back in eBucks on your FNB Life Insurance Simplified, Customised and Dynamic Life premiums every month
  • You will earn eBucks back on premiums for the following cover types: Life Cover, Critical Illness Cover, Permanent Disability Cover, Income Protection, Dynamic Life>> Home and Family Funeral
  • If you have Life Cover, you must have a nominated beneficiary, with a valid ID and contact number. Should you wish to formally nominate your estate/trust as a beneficiary please contact FNB Life for noting this, otherwise your policy will not qualify. For your Dynamic Life policy, you may also nominate FNB as a qualifying beneficiary.
  • The amount on which you earn eBucks is limited to a total monthly premium spend of R7 000.
  • The monthly premiums on your qualifying FNB Life Insurance Simplified, Customised or Dynamic Life products must be paid on time from your FNB Fusion Private Wealth account or FNB Private Wealth Cheque Account. You won't earn eBucks for any month where premiums weren't paid - either because you didn't make payment that month, or because FNB Life Insurance chose to waive your premium that month for any reason
  • The percentage earned back in eBucks is calculated based on the sum total of monthly premiums for all your qualifying FNB Life Insurance Simplified, Customised or Dynamic Life policies. Your participation in the eBucks programme allows us to better assess your risk enabling you to earn back a percentage of your premium in the form of eBucks and/or collect points towards your rewards level.
  • In the case of an FNB Life Simplified and Customised or Dynamic Life policy, only the payer of the premiums will earn eBucks; other lives insured and/or beneficiaries named in the policy won't earn eBucks.
  • These rules apply automatically upon you qualifying for eBucks Rewards.

FNB Forex

  • The eBucks you'll earn will be paid in the month after the transaction was done.
  • You'll only earn eBucks on transaction charges on FNB Forex inward and outward payments in a foreign currency (not South African Rand).
  • All FNB Forex transactions must be done via the FNB App or FNB Online Banking, except where you have a standing instruction with FNB Forex to transact on your behalf.
  • You don't earn eBucks on foreign notes, travellers' cheques, foreign currency account (FCA) funding, customer foreign currency (CFC) account funding, cash passport, PayPal™, MoneyGram™ or any other foreign exchange products.
  • You also don't earn eBucks when you're transacting on a special discount or pensioner pricing.

Smart Devices

  • The amount on which you earn eBucks is limited to a combined total monthly rand spend (on qualifying Smart Device contracts only) of R500.
  • Qualifying Smart Devices are limited to laptops, tablets and smartphones.
  • Only applicable to qualifying Smart Device contracts taken out on or before 30 June 2018

NEW! Double Up on fuel

  • This reward applies once a quarter in addition to your normal earn of up to R4 per litre every month for fuel purchases at Engen.

    The qualifying requirements that need to be met for each month of the quarter are:

    1. Vehicle Finance Agreement with WesBank, Toyota Financial Services and/or Volkswagen Financial Services'
    2. Have your vehicle loaded on nav» Car.
    3. Have 100% of your fuel spend at Engen fuel stations. If you buy fuel from any other fuel retailer, you will not be eligible to earn the Fuel booster
  • Meet all 3 of the qualifying requirements and earn an additional up to R4 per litre back in eBucks on your total Engen earn for the quarter, giving you up to R8 per litre back in eBucks.
  • You still need to meet the Engen earn rules as well as the abovementioned qualification requirements to earn Double Up on Fuel Rewards.
  • Quarters will run from July to September (Q1); October to December (Q2); January to March (Q3) and April to June (Q4)
  • The additional eBucks earn for the Double up on fuel reward will be allocated at the end of each quarter.

Things to remember

  • Ensure that ALL your FirstRand Bank accounts are in good standing. This means your accounts aren't overdrawn, in arrears or in default, you haven't missed a premium and you aren't undergoing sequestration, business rescue, or collection or liquidation proceedings (excluding debt review proceedings). FirstRand Bank accounts include but are not limited to FNB, WesBank, RMB Private Bank and Ashburton accounts.
  • Qualifying financial transactions include payments, transfers and purchases, but exclude debit orders, deposits and the viewing of accounts.
  • Card spend excludes Cash@Till®, EFTs and Transfers.
  • An account that's active means that there's regular activity on the account or that the account is still being used for its original intended purpose.

Personalised rate


At FNB we recognise that each person's needs are unique.
For this reason we have introduced personalised and competitive debt and credit interest rates. Contact the Private Wealth Service Suite on 087 730 6000 to find out more about your personalised interest rate and how you can benefit from this service.

Terms, conditions and rules apply.

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 transcations. For detailed list of exclusions, please see the terms and conditions below.

For any card enquiries, call the Private Wealth Service Suite on 087 730 6000, email us at fnbcard@fnb.co.za or visit your nearest FNB Branch.

Terms, conditions and rules apply.

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.

Automated payments


The Credit Card safety net.

Have 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 six convenient Auto Payment Solutions which will be applied monthly to pay your account:

  • Fixed amount - Pay a fixed amount of your choice. This amount cannot be less than the minimum amount owed
  • Full amount - Settle the full outstanding balance including your budget instalment(s) for the relevant month
  • Full straight statement balance - Settle the full amount outstanding on the straight facility as indicated on your statement monthly
  • Minimum payment amount due - Pay only the minimum amount outstanding on your account monthly, ie 5% of your full outstanding balance
  • Percentage payment - Select a percentage of outstanding balance to be deducted monthly. This amount can be anything from 5% - 100%

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 set up an Auto Payment Solution:

  • Log on to your internet banking profile and click on My Bank Account, then My Accounts
  • Select the relevant credit card and click on Settings
  • Then click on Auto Payment Solution and select your Auto Payment Option
  • You will then be required to enter the details of the account from which you want to make the payment
  • A confirmation screen will pop up, click on Confirm and then Finish

Or

Call the number on the back of your credit card

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.

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.
  • Free 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)
FREE
R1 000
FNB Classic Credit Card
FREE
R2 000
FNB Gold Credit Card
FREE
R5 000
FNB Premier Credit Card
FREE
R12 000
FNB Private Clients Credit Card
FREE
R12 000
FNB Private Wealth Credit Card FREE
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), 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 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.

Shop online


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

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 the 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 canceled.

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

In the event of your card being lost or stolen, call the Lost Card hotline immediately on 087 575 9406

Terms, conditions and rules apply.

Online Banking


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:

  • Convenient. You can do most things via Online Banking that you can do in a branch.
  • Secure. Keep track of your transactions with free inContact, OTP notifications and online protection software.
  • Simple. All you need is an FNB bank account and access to the internet.

When using your Online Banking, you pay no data fees.


With Online Banking you can do your day-to-day banking:

  • View detail balances and transactions
  • Transfer funds between accounts
  • Stop/reverse debit orders on Mobile and eChannels
  • Make payments
  • Manage recipients
  • Send Money
  • Download account statements

You can also buy:

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

You can use Connect to:

  • Link your FNB Banking App to your Online Banking profile

You can take control and protect your account by:

  • Managing your FNB cards
  • Viewing/updating your PINs
  • Activating/Updating Online Secure

You also get additional features that include:

  • Managing your eBucks account and finding partners
  • Getting personalised offers for upgrades and limit increases
  • Ordering new smartphones and tablets
  • Opening new accounts in under ten minutes
  • Buying and selling Krugerrands

View our How to register for Online Banking demo


Terms, conditions + rules apply.

Fraud management


Report suspected fraudulent transactions instantly via the FNB Banking App.

We use a number of security mechanisms to prevent fraud because your security and the privacy of your personal information are important to us. Be security conscious and help us protect you.

  • Verified devices: When an attempt is made to login to your Online Banking profile, we will detect if the device being used is verified.
  • Fingerprint ID: Update to the latest version of the FNB Banking App and do secure banking with Fingerprint ID.
  • Daily limits: Setting a daily limit allows you to take control of how much money can move in and out of your account per day.

Dedicated Private Banker


Your Private Banker & Go-to Guy is supported by a team of specialists which means that with one phone call, email, or contact using FNB Online Banking or the FNB Banking App, your personal Private Banker can:

  • Help with all your banking queries
  • 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
  • Help you to structure your lending in a way that works for you

How to contact your Private Banker:


Direct phone line - Call your Go-to Guy directly

Direct email - Get in touch with your Go-to Guy via email

Online Banking - Select 'Contact my Banker' when logged in to Online Banking

Private Wealth Service Suite - Contact the Private Wealth Service Suite on 087 730 6000

Secure Chat - Connect with your Private Banker via the FNB Banking App.

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, simply download the FNB Banking App and register your qualifying card. When you're ready to make a payment, look out for the contactless logo. Then, 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 set up FNB Pay on your Android phone:

  • Have the latest version of the FNB Banking App downloaded on your smartphone
  • Ensure your phone has the latest version of Android (4.4 or higher) and NFC (NearField Communication) enabled
  • Register an FNB Debit Card or FNB Credit Card for FNB Pay
  • Select FNB Pay on the FNB Banking App
  • Use FNB Pay whenever you see the contactless symbol

Contactless card payments


Tap your Contactless Card. It's that simple.

Contactless technology allows you to make fast and secure payments for low value purchases by simply waving your card in front of a contactless enabled Point-of-Sale (POS) terminal.

Need to pay for a high value purchase? No problem. For your safety it simply means that you will be required to insert your PIN as usual.

What is Contactless Technology?
Embedded in your FNB Contactless Credit Card is a special chip and antenna. When you wave your card in front of the Contactless reader, your account information is transmitted via short range radio frequency. It's safe, simple and fast.

Why is it a better way to pay?

  • It's easy to use - Simply wave and pay
  • It's completely secure - your FNB Contactless Credit Card is just as secure as any other Chip & 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 credit card payments which mean spending less time in queues.

Pay with your FNB Contactless Credit Card in three easy steps:

  1. Lookout for the Contactless symbol in-store and on the Point-of-Sale (POS) terminal.
  2. Once the cashier has tallied up your purchases and you are ready to pay, hold/wave your card within 4cm of the Contactless Reader for a few seconds.
  3. The transaction is complete once the green light appears.

(Note: Some merchants have waived the need for a signature, others may ask you to sign the till receipt)

eBucks Lifestyle


As an FNB Private Clients customer, you can enjoy the service of eBucks Lifestyle, where a Lifestyle Assistant will assist you with the following travel and leisure arrangements:

  • All travel arrangements, including accommodation and local as well as international packages
  • Assisting in sourcing sport and event tickets

In addition, your Lifestyle Assistant will be able to:

  • Arrange Priority Pass memberships - the world's largest independent airport lounge access programme, offering its members access to over 900 airport lounges worldwide. Depending on your reward level, you could qualify for up to ten (10) complimentary visits per year - each valued at $27 - to any Priority Pass lounge.
  • Book Avis Point 2 Point transfers - an inner-city 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) complimentary local transfers per year in an economy vehicle when booked online through eBucks.com
  • Book Speed Pass services - VIP meet and assist airport services. As a customer, you qualify for a 15% discount at over 285 international airports worldwide, which means a friendly face greets you at the airport, removing language barriers and lengthy queues through customs and immigration.
Your reward level 1 2 3 4 5
FREE Priority Pass International Lounge visits per year 0 1 2 4 10
FREE Avis Point 2 Point local trips per year (when booked via the eBucks website) 0 1 2 4 5
Discount on Speed Pass services 15%

Things to remember:

  • Priority Pass memberships are dispatched from the UK and can take up to 17 working days to be delivered once ordered via eBucks Lifestyle.
  • Clients will qualify for Priority Pass membership only once a reward level has been determined. Priority Pass lounge charges incurred may be delayed for up to 6 weeks after date of visit.
  • Complimentary Priority Pass visits can only be used for access to International Priority Pass Lounges outside of South Africa and not any local International or Domestic Priority Pass Lounges.
  • Complimentary Avis Point 2 Point transfers must be booked online using the Avis Point 2 Point self-service booking system.

Contact eBucks Lifestyle

  • Telephone: 087 575 0050
  • Operating hours:
    • Monday to Friday from 08:00 to 17:00
    • Saturdays from 09:00 to 12:00
    • Closed on Sundays and public holidays
  • Email ebuckslifestyle@ebucks.com for queries or requests regarding holiday packages, travel benefits and Lifestyle experiences.

The rewarding choice


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

  • Earn up to 3% back in eBucks when you pay with your Private Wealth Credit Card in-store
  • Earn up to 3% back in eBucks when you use your Private Wealth Credit Card to shop online.
  • Earn up to 15% back in eBucks on your FNB Connect contracts and prepaid airtime, FNB Life Cover Protect Series, 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.
  • Earn up to R4 per litre back in eBucks on your fuel spend, exclusive to Engen.
  • Double up on fuel (quarterly) and earn up to R8 per litre back in eBucks on your fuel spend at Engen

Private Wealth Credit Card | Earn an annual income of R1 500 000+


Join the extraordinary
side of banking

Pricing guide

Choose banking that's been uniquely designed for the remarkable individual. Experience solutions that
go further and provide the services your lifestyle really needs. Our Private Wealth Credit Card offers it all.



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

Enjoy the finer things in life


Soak up the benefits eBucks Lifestyle offers you when you have a Private Wealth Credit Card.
Contact eBucks Lifestyle on 087 575 0050 to experience the exclusive service. Terms, conditions and rules apply.

 

Travel in style

Let us help you book flights and accommodation. Get Avis Point2Point transfers and complimentary Priority Pass membership.

Read more

Live the life you want

Life is more exciting with eBucks Lifestyle. We'll help you pick out that perfect gift, source event tickets or organise experiences - we've got you covered.



Rewards


As a Private Wealth Credit Cardholder, you get access to the next level of rewards. Earn eBucks on all of your credit card purchases and enjoy massive discounts on vouchers, tech gadgets, travel deals and more, plus local and international flights.

Terms, conditions and rules apply.

 

Get more out of banking with us


Maximise your rewards with a Private Wealth Cheque and Credit Card bundle. You'll enjoy better, all-inclusive value with the Private Wealth Bundle at a single discounted fee. This includes your complete day-to-day banking product suite, free additional cards and more included transactions as well as better rewards and benefits.

 
 

Private Wealth gives you more...


As a credit cardholder, you automatically enjoy a host of benefits, ready to make banking and life as easy as possible. Also sign up for 5 FREE additional credit cards and petro cards.

Airport Lounge access

Comprehensive Global Travel Insurance

AA Emergency Roadside Assistance

Make controlling your finances easy


Personalised rate

Enjoy a personalised interest rate tailored to your unique credit profile

Read more

Interest free

Get up to 55 days interest free

Read more

Budget facility

Choose a repayment period of between 6 and 60 months

Read more

Automated payments

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

Read more

Debt protection

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

Read more

Securing your banking journey


We use a number of security measures to safeguard your banking with us, in order to prevent fraud and protect your personal information. Here's what you need to know:

 

The power of convenience


Your credit card is as versatile as you are. Use it effortlessly to bank, 24/7.

FNB Banking App

Self-service banking for when you're on the go

Read more

Dedicated Private Banker

You own private banker will attend to everything you need.

Read more

Online Banking

Available 24/7 365 days a year.

Read more

FNB Pay

Tap your Android smartphone for fast and secure payments.

Read more

Contactless Card

Tap your Private Wealth Credit Card for quick and easy payments.

Read more

Applying made easy


Private Wealth Credit Card

Qualifying criteria

  1. Earn an income of R1.5m or more per year to qualify
  2. OR have a net asset value in excess of R15 million.

Ways to apply

Apply now!

Other ways to apply

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

Private Wealth Service Suite 087 730 6000

Your nearest Private Wealth office

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