FNB Credit Card Balance Transfer Offer: 9.9% Interest and Flexible Repayment

Thinking of consolidating your debts? FNB Credit Card’s Balance Transfer gives you 9.9% interest for 9 months and 12-month flexible repayments. See if you qualify and read our pros and cons verdict.

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FNB Credit Card

Enjoy a 9.9% interest rate on balance transfers for nine months with a minimum transfer of R3,000 and flexible repayment from 12 months upward.




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The FNB Credit Card Balance Transfer offer provides South Africans a way to consolidate debt at a competitive 9.9% interest rate for the first nine months. The minimum transfer amount begins at R3,000, with a minimum repayment period of twelve months. This balance transfer is available to FNB Credit Card holders over 21 years old, whose accounts are in good standing. The offer gives eligible cardholders an opportunity to simplify repayments and save with preferential rates.

How to Apply for the FNB Balance Transfer Offer

  1. Ensure you are an existing FNB Credit Card holder, over 21, and your account is in good standing.
  2. Decide on a transfer amount, with a minimum of R3,000.
  3. Complete the balance transfer application through FNB’s official channels.
  4. Wait for confirmation on your credit card statement that your transfer is complete.
  5. Keep making payments on your current account until the transfer is reflected on your FNB statement.

Key Benefits

The low introductory interest rate of 9.9% for the first nine months stands out, providing immediate savings on transferred balances. Additionally, the application process is transparent and designed to help customers manage existing debt efficiently.

The ability to pay off large amounts over a fixed term brings predictability to your financial planning. The flexibility of choosing your payment period, starting from 12 months, is also a notable advantage.

Potential Drawbacks

The special interest rate applies only if you continue making repayments on time. Late payments can result in losing the preferential rate. Furthermore, prepaying the balance before the nine-month period ends will cause the interest rate to revert to the standard ruling rate.

There is also no guarantee on how long the transfer process takes, and you remain responsible for your existing payments until completion.

Our Verdict

The FNB Credit Card Balance Transfer offers great savings potential for responsible cardholders looking to consolidate and manage their debt. While there are some limitations, the competitive interest rate and clear conditions make this offer a smart move for those who qualify.

Recommended for you

FNB Credit Card

Enjoy a 9.9% interest rate on balance transfers for nine months with a minimum transfer of R3,000 and flexible repayment from 12 months upward.




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