FNB Private Clients Credit Card

Bank conveniently with a Private Clients Credit Card and get family-orientated rewards and unique lifestyle benefits.

Monthly fee

R210

Required annual income

R750,000 and more

Apply now

What you get

Earn eBucks rewards

Earn eBucks rewards when shopping at partners like Takealot, Pick n Pay, Engen, and Clicks. Plus, access to exclusive FNB Credit Card offers from retailers such as iStore, KOODOO.co.za, The Pro Shop and Cycle Lab at an interest rate of prime or prime +2%.

Up to 55 days interest-free

Enjoy up to 55 days interest-free on purchases made on your straight facility. Pay an initiation fee of up to R210. Flexible monthly payment options on your complimentary credit card: pre-fund (interest free), settle in full (interest free), minimum repayment of 5% of the outstanding balance.

Budget facility benefits

Pay off your medical expenses at an interest rate of prime or prime +2%. Plus repay your device or appliance through the budget facility and earn up to 60% back in eBucks on your monthly premium.

Automatic debt protection

Automatic debt protection of up to R12,000 in the event of death or permanent disability with the option to top up cover.

Purchase Protect

Purchase Protect offers cover for tangible items purchased using your FNB Private Clients Virtual Credit Card up to R12,500 per claim for 30 days from date of purchase at no extra cost to you.

Complimentary credit card

Get up to three additional cards at no cost. You can also get a complimentary credit card when you bundle it with your FNB Private Clients Current or Fusion Account, with credit limits of up to R500,000.

Exclusive family rewards

Travel together

Enjoy up to 20 complimentary SLOW Lounge visits, plus unlock bonus visits in addition to discounted flights, accommodation, bus tickets and car hire with eBucks Travel.

Family banking

Receive up to 50% off your spouse/partner's monthly account fee and get kids FNBy & FNBy Next Accounts at no cost.

3x more value

With eBucks and Connect cellphone rewards plus exclusive retail offers.

Create and pay with your own virtual card

A faster, safer and more secure way to pay for online and in-store purchases wherever you are in the world. Our CVV number changes regularly. Create, cancel or temporarily block your card at any time and earn eBucks while you spend. Virtual cards can also be used for FNB Pay, Scan to Pay and all partner wallet transactions, including Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and SwatchPAY!, without a physical card.

Virtual card FAQs

Choose another option

Bring more value to your everyday banking. With FNB Fusion Private Clients, you get access to a credit facility for one monthly account fee of R475 per month and pay no monthly account fee or facility fee on your FNB Private Clients Credit Card.

More rewards. More value.

Maximise the value of your FNB Credit Card by exploring the range of amazing benefits and perks it offers - all designed to enhance your financial well-being and make your life easier.

FAQs and important information

What it costs

Monthly account fee: R210 p.m.
Three additional cards at no extra cost
Initiation fee: up to R210

More credit card benefits

Access to exclusive FNB Credit Card offers from retailers such as iStore, KOODOO.co.za, The Pro Shop and Cycle Lab at an interest rate of prime or prime +2%.
Pay off your medical expenses at an interest rate of prime or prime +2%.
Repay your device or appliance through the budget facility and earn up to 60% back in eBucks on your monthly premium.
Flexible monthly payment options on your complimentary credit card: pre-fund (interest free), settle in full (interest free), min repayment of 5% of outstanding balance.

eBucks and exclusive rewards

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 and WesBank
Up to 40% back in eBucks on your FNB Life Insurance premiums every month
Save up to R399 when you buy eTextbook vouchers with eBucks and Snapplify
Up to 2GB data, 30 voice minutes and 30 SMSs every month on your FNB Connect SIM
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
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 Wimpy breakfast or burger at participating Engen 1Stops every quarter
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

Exclusive FNB Credit Card 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.
Apple devices are also available via istore.co.za (select the device, select 'Buy on FNB' and follow the steps).
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.

Auto payment solution

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'.

Private Clients Credit Card

Apply on the FNB App or contact your private advisor.

FNB App

Online banking

Card

Qualifying criteria

•Earn between R750,000 and R1,799,999 per year to qualify

Required documents

•South African ID book (barcoded)/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

Apply now

Get your Private Clients Credit Card and enjoy exclusive benefits.

Apply now

View pricing guide Terms and conditions

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