FNB offers a range of credit cards designed to suit various income levels, from Aspire to Premier, Private Clients, and Private Wealth cards. Monthly fees start from as low as R59 up to R345. Required minimum income ranges from R60,000 to R1.8 million and above per year, with flexible credit limits and competitive interest rates subject to your credit profile.

How to Apply: Step-by-Step

• Visit the FNB credit card application page online.
• Choose the card that matches your annual income.
• Fill in personal and financial details accurately.
• Upload supporting documents such as ID and proof of income.
• Submit your application and wait for approval, which is usually quick.

Main Pros

FNB credit cards provide access to the popular eBucks Rewards Programme, letting you earn while you spend and redeem for travel, shopping or fuel.

The cards offer strong online and mobile banking access, plus additional perks such as SLOW Lounge access on higher-end cards for frequent travellers and business users.

Main Cons

A lower income may rule out access to the full range of premium cards, which have higher minimum salary requirements.

Monthly fees, while flexible, increase with card level and could add up for budget-focused users looking for basic features only.

Our Verdict

FNB is a trusted provider in South Africa offering credit cards for nearly every financial background. The application process is streamlined and efficient, and the rewards programme adds extra value. The variety of options ensures most users will find a card suited to their needs, though premium benefits are reserved for higher incomes. Overall, FNB’s credit cards are a reliable option for convenience, flexibility, and rewards.