FNB’s credit card offer stands out in the market by providing up to 55 days of interest-free purchases on the straight facility. This gives clients a significant breathing space before having to pay any interest on their spending. Credit limits and rates are tailored to match your credit profile, making the card accessible and adaptable to your lifestyle. Application is straightforward and can be completed online or via the FNB app in just minutes.

How to Apply Step-by-Step

• Log into your FNB Banking App or visit their official website
• Go to the credit card section and select “Apply Now”
• Choose the card that matches your income bracket
• Fill in your personal and financial details as prompted
• Upload your recent payslip, three months’ bank statements, and ID
• Submit your application and await approval confirmation

Key Pros of the FNB Credit Card

One of the main advantages is the interest-free period of up to 55 days, which makes it easier to manage short-term cash flow. The card offers robust digital security, with options to block, unblock, or reorder your card instantly via the app.

Additionally, FNB’s flexible credit limit adjustment allows you to shift available funds between your straight and budget facilities, optimising the way you spend and repay.

A Couple of Cons to Consider

The eligibility criteria may be out of reach for some individuals, as a minimum income of R60,000 per year is required for the Aspire card. Comprehensive supporting documentation is necessary for approval, which may slow down the process for some applicants.

Interest applies immediately for cash transactions and fuel purchases, so the full 55-day interest-free benefit does not extend to those types of spending.

Our Verdict

Overall, the FNB credit card is well-suited for those looking for a combination of everyday convenience, flexible spending, and advanced management features. It provides real value with its lengthy interest-free period, security, and reward options, easily managed via the intuitive app.