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First National Bank
R115/month, income required from R300 000 p.a. Enjoy top-tier rewards, eBucks earn, SLOW Lounge access and competitive rates on the FNB Premier Credit Card.
The FNB Premier Credit Card stands out as a leading option for South Africans seeking convenient banking, premium rewards, and exclusive perks. With a monthly fee of R115 and an annual income requirement starting at R300,000, this credit card grants access to benefits many banks don’t match. Card holders earn eBucks, unlock SLOW Lounge visits, and enjoy global travel insurance, making it a versatile tool for both everyday use and premium experiences.
While the interest rates are competitive—especially on special offers and selected partners—holders of the FNB Premier Credit Card also benefit from up to 55 days interest-free on purchases and debt protection up to R10,000. The card can be managed entirely from the FNB App, including the creation of a secure virtual credit card with added Purchase Protect insurance.
How to Apply: Step-by-Step Guide
- Ensure your annual income is between R300,000 and R749,999.
- Gather required documents: South African ID, proof of address, bank statements, and payslips.
- Go to the FNB website or use the app to start your application.
- Complete the online application form and submit your documents.
- Wait for approval and receive your card by post or collect it in-branch.
Key Advantages: Pros of the FNB Premier Credit Card
Using the FNB Premier Credit Card brings high value, with rewards on spends via eBucks at major retailers like Takealot, Pick n Pay, and Clicks.
Access to airport SLOW Lounges and up to 40% off local and international flights are outstanding benefits for frequent travellers.
Disadvantages: Cons of the FNB Premier Credit Card
One drawback is the income threshold, limiting access for those earning below R300,000 per annum. The R115 monthly fee can add up over time.
Those not maximising rewards or using travel perks may find it less cost-effective compared to more basic cards.
Final Verdict: Is It Worth It?
For individuals and families seeking a blend of rewards and premium services, the FNB Premier Credit Card delivers genuine value.
If you travel often or enjoy lifestyle benefits and can leverage eBucks, this card is a smart, rewarding choice in South Africa’s market.