FNB offers a competitive credit card packed with attractive benefits for both personal and business users. The interest rate on purchases can be as low as prime plus 2% for new budget facility purchases from November through January. Credit limits are tailored to your annual income, ranging from R60,000 to over R1,800,000, ensuring a fit for almost every financial profile. For those seeking flexibility, you can split your spending between straight and budget facilities for easier repayment.

How to Apply for the FNB Credit Card

• Login to your FNB profile via their digital application portal or app.
• Choose the card type suitable for your income bracket.
• Submit your latest payslip, three months’ bank statements, ID, and proof of residence.
• Complete the affordability and personal information sections.
• Review and accept the offer to finalise the application.

What Are the Pros?

One notable benefit is the generous 55-day interest-free facility, letting you manage your cash flow efficiently. There’s also robust security, including instant card blocks and real-time alerts for every transaction.

Furthermore, FNB’s eBucks rewards add even more value. With every purchase, you collect points that can be redeemed for a huge range of rewards, making every cent spent work harder for you.

What Are the Cons?

Application requires comprehensive paperwork, which might slow the process for some. Also, if payments aren’t managed carefully, missing a due date could result in losing your interest-free period immediately.

Lastly, access to premium rewards is tied to account behaviour and monthly banking activity, so not everyone may enjoy the top-tier perks from the start.

Verdict: Is the FNB Credit Card Worth It?

If you’re searching for a credit card with flexible limits, great security, and a trusted brand in South Africa, FNB’s offering is worth considering. Attractive rates and solid rewards help tip the scales for responsible spenders. Just be prepared for a thorough application process, and always keep your payments on time to maximise the benefits offered.