FNB Credit Card Review: Flexible Limits, 55 Days Interest-Free, Rewards

Review of the FNB Credit Card for South Africans. Includes 55 days interest free, flexible credit limits, eBucks rewards, and secure app features. Learn the pros and cons before you apply with FNB ZA.

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First National Bank (FNB)

Benefit from up to 55 days interest-free, flexible credit limits tailored to your income, robust rewards and strong security for all purchases.




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FNB offers a competitive credit card with personalised interest rates based on your credit profile. Applicants can enjoy up to 55 days interest-free on purchases paid in full monthly. Credit limits are flexible and tailored around annual income brackets, from R60,000 for Aspire up to R1,800,000+ for Private Wealth. To qualify, applicants must provide valid South African ID, proof of residence, three months’ bank statements and a recent payslip. Conditions may vary per card type.

How to Apply for FNB Credit Card

  • Log in to the FNB online portal or download the mobile app
  • Complete the credit card application form
  • Upload all necessary documentation (ID, payslip, bank statements, proof of address)
  • Review your credit offer and accept the terms if satisfied
  • Submit application and await approval notification

Pros of the FNB Credit Card

One of the major advantages is the 55 days interest-free period, allowing you to manage expenses efficiently if you pay off your balance in time. Additionally, the app provides easy card management, credit limit adjustments, and robust security features—giving users full control.

The rewards system, including eBucks, further incentivises responsible banking by offering discounts and added benefits based on your reward level each month.

Cons of the FNB Credit Card

On the downside, it’s important to note that qualifying for higher tier cards requires a significant annual income. High interest rates apply to missed payments or cash advances, which can add up quickly if not managed properly.

Some perks, such as global travel insurance, may require activation. Additionally, not paying off your full balance forfeits the interest-free benefit for the following month.

Our Verdict

For individuals seeking flexibility, strong digital tools, and reliable rewards, the FNB Credit Card is a compelling choice. Be prepared to manage your account proactively to avoid interest charges and make the most of the benefits. Its application process is straightforward, and the range of options suits different income levels, making it suitable for various financial needs.

Recommended for you

First National Bank (FNB)

Benefit from up to 55 days interest-free, flexible credit limits tailored to your income, robust rewards and strong security for all purchases.




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