Better banking benefits

Whether you are preparing for the unexpected, planning a luxurious holiday trip or just need an account for your larger purchases, your FNB Credit Card can assist with all of this and more.

Complimentary Travel Insurance

Travel with peace of mind around the world.

This insurance is available to

FNB Debit, Fusion, Credit Card or eBucks holders below the age of 75 who are residents of South Africa, Lesotho, Namibia and eSwatini.

Covered for international travel

Stay covered when you travel internationally departing from South Africa, Lesotho, Namibia or eSwatini and returning to these countries.

Purchase your tickets to qualify

Buy your international and return air travel ticket(s) prior to departure with a qualifying FNB card to qualify for the travel insurance.

Global emergency assistance

For emergency assistance while travelling, contact Medical Services Organisation (MSO) on: +27 11 521 4575 ('Reverse-charge' your call).

Travel insurance FAQs

How to qualify for Global Travel Insurance

Buy your return travel ticket(s) with a qualifying FNB Debit, FNB Fusion or Credit Card or eBucks. Global Travel insurance is available to FNB Debit, Fusion, Credit Card or eBucks holders below the age of 75 who are residents of any of these countries: South Africa, Lesotho, Namibia and eSwatini. If you are between the ages of 75 - 85, FNB provides specific insurance to suit your needs. Contact the Global Travel Insurance Helpdesk on 086 1490 100 for more information. Please note: Ensure that you travel with your Global Travel Insurance Policy and Schedule of benefits. You will require a policy number to claim. Activate your cover before departure on www.tic.co.za/fnb.

Schedule of benefits

Get complimentary Global Travel Insurance cover when you use your qualifying FNB card to purchase your international return travel ticket(s). This offer is available to FNB Debit, Fusion, Credit Card or eBucks holders below the age of 75 who are residents of any of these countries: South Africa, Lesotho, Namibia and eSwatini. If you are between the ages of 75 - 85, FNB provides specific insurance to suit your needs. Ensure that you travel with your Global Travel Insurance Policy and Schedule of Benefits. You will require a policy number to claim. Activate your cover before departure on www.tic.co.za/fnb.

Access exclusive FNB partner deals

Whether you are an avid gamer, technology enthusiast or enjoy a great game of golf, there's something special for everyone when you shop using your FNB Credit Card. Get competitive interest rates when you shop selected Apple devices, golf clubs, bicycles and PlayStation consoles at our partners Cycle Lab, iStore, The Pro Shop and KOODOO.CO.ZA.

Partner deals FAQs

How to get these exclusive offers

At iStore, The Pro Shop or Cycle Lab, inform the cashier 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.

Important points to remember

Apple devices are 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.
You must have a limit available to cover the total amount of the purchase price and 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 rate, specifically if the limit does not cover the purchase amount. Prefunding means the purchase was not done on credit but with your own funds.

Auto payment solution

Pay your credit card account automatically and conveniently on time. The auto payment solution uses a built-in calculator which deducts any pre-payments from the debit order amount. 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'.

1

Flexible payments

Pay either the full outstanding balance including your budget instalment or the minimum monthly amount (5% of your outstanding balance).

2

Manage on the go

Maintain your auto payments using the app under Credit Card Account > Account Options > Maintain auto payments.

3

Save money and time

Pay no transactional fees except for cash withdrawals, fuel and casino transactions and EFTs.

Debt protection cover

Get protected against life's unexpected events.

Automatic Debt Protection

Covers the outstanding debt on your credit card up to a specified amount in the event of death or permanent disability.

Top up with extra cover

The Top Up Debt Protection Plan covers the full outstanding credit card debt in the event of death or disability including minimum instalments up to 12 months in the event of temporary disability and unemployment.

Purchase Protect

Get instant insurance for items purchased with your virtual card at no extra cost.

Debt protection details

Automatic Debt Protection amounts by product

FNB Petro Card (Standalone)
Premium: No charge
Specified maximum amount: R1 000

FNB Aspire Credit Card
Premium: No charge
Specified maximum amount: R5 000

FNB Premier Credit Card
Premium: No charge
Specified maximum amount: R10 000

FNB Private Clients Credit Card
Premium: No charge
Specified maximum amount: R12 000

FNB Private Wealth Credit Card
Premium: No charge
Specified maximum amount: R15 000

Lost card protection

Report a lost or stolen card 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.

Top up debt protection premiums

Premiums are calculated on the monthly average outstanding amount minus the free portion covered under Automatic Debt Protection. Terms and conditions apply.

Move your medical expenses to your budget

Unplanned medical costs can be stressful and costly. We can help by moving your medical expenses to your budget facility at a competitive interest rate.

How to move your medical expenses to your budget

1

Swipe/tap your FNB card

Swipe/tap your FNB card for a qualifying medical transaction.

2

Receive a budget plan offer

We'll message you with a budget plan offer.

3

Reply to move it to budget

Reply to move it to budget and your limit will be moved to budget over 6 months.

Medical expenses FAQs

Qualifying medical transactions

Any GP visits, in-hospital transactions (surgery or casualties) or selected specialist transactions.

Excluded medical 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 and personal care facilities, laboratories, pharmacies and retail stores.

Need more information?

Get in touch with us to find out more about your credit card benefits.

View travel insurance policy Seniors schedule (age 75 to 79) Seniors schedule (age 80 to 85) Top up debt protection T&Cs (1 August 2017 to current) Top up debt protection T&Cs (prior to 1 August 2017)

Get in touch

Travel Insurance Helpdesk 086 1490 100

Emergency assistance (MSO) +27 11 521 4575

*Terms and conditions apply. Refer to our full terms and conditions. Travel on a one-way ticket or for emigration is excluded from the travel insurance benefit.