FNB Credit Card Review: Rewards, Flexible Options, and Easy Application

First National Bank (FNB) credit card review for South Africa covering flexible rates, rewards, pros, cons, and easy application steps. Get all the facts you need before you apply online now.

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First National Bank (FNB)

Flexible rates from R59/month, minimum income from R60,000, rich reward options, custom credit limits, and robust fraud protection.




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FNB (First National Bank) offers several credit cards tailored for different customer needs in South Africa. Card rates start at R59 per month, with minimum annual income requirements from R60,000 up to R1,800,000 and beyond. Customers gain access to eBucks rewards, robust fraud protection, travel benefits, and contactless payment features. Credit limits and eligibility will vary depending on the specific card you select and your personal financial profile. FNB cards are well-known for their user-friendly management and security features, making them a versatile choice.

How to Apply: Step-by-Step

  1. Visit the FNB credit card application page.
  2. Select the card option that suits your income and needs.
  3. Fill in your personal and financial information in the online form.
  4. Submit required documents and await approval from FNB.
  5. Once approved, your card will be delivered or available for collection.

Pros of the FNB Credit Cards

One of the strongest advantages of FNB credit cards is the tiered choice, which allows customers to match products to their earnings and spending needs. Additionally, the eBucks rewards programme offers real cash-back on everyday shopping, fuel, and travel, making it easy to extract tangible value from your monthly spend.

Security is another plus, with FNB’s advanced digital tools, transaction alerts, and card management through their digital app. The availability of contactless payments and loyalty benefits further enhances convenience and user experience.

Cons of the FNB Credit Cards

Some customers might find the monthly fees, starting from R59 and increasing with higher-tier cards, to be on the higher side, especially if not fully utilising the card’s benefits.

Additionally, the income requirements for some premium cards like Private Wealth and Private Clients are steep, putting them out of reach for average earners.

Our Verdict

Overall, FNB’s credit card suite is very competitive in South Africa. It combines strong value with high-grade security and rewards for everyday spending. Provided your income meets the entry thresholds, FNB is a strong contender for anyone seeking a reliable and feature-rich credit card solution.

Recommended for you

First National Bank (FNB)

Flexible rates from R59/month, minimum income from R60,000, rich reward options, custom credit limits, and robust fraud protection.




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