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Aspire FNB Credit Card

Geovana Ramos
December 6, 2023

The FNB Aspire Credit Card stands out as an innovative option, offering financial benefits that adapt to cardholders’ needs. With competitive interest rates and a rewards program, it ensures maximum value for your spending.

Cardholders enjoy exclusive access to luxurious SLOW lounges at airports, enhancing travel comfort. Additionally, special offers at FNB partners provide further savings on selected products and services.

Designed for your lifestyle, the FNB Aspire Card includes flexible payment options and up to 60 days interest-free, making financial management more efficient. Continue reading to discover all the advantages.

About the FNB:

FNB (First National Bank), established in 1838 as Eastern Province Bank, is one of South Africa’s premier financial institutions. Now part of the FirstRand Limited group, one of the country’s largest financial conglomerates, FNB has a storied history and a reputation for innovation. The bank serves a diverse clientele, ranging from individuals to large corporations, with a comprehensive suite of financial products and services.

FNB is renowned for its emphasis on technology and digital innovation, leading the way in South Africa with various digital banking solutions. The bank offers a wide array of services, including checking and savings accounts, loans, investments, and credit cards such as the Aspire Credit Card, all designed to provide maximum convenience and value to customers.

Beyond its financial offerings, FNB is dedicated to corporate social responsibility. Through numerous initiatives, the bank supports local communities and fosters sustainable development. This commitment underscores FNB’s philosophy of not only being a financial leader but also a catalyst for positive societal change.

Card Benefits

Exclusive Offers at FNB Partners: Cardholders enjoy special rates on selected products and services when using the Aspire Credit Card at FNB partners, maximizing the value of their purchases and providing added savings.

Access to the Luxurious Airport SLOW Lounges: Aspire Credit Card holders get up to two complimentary visits per year to the SLOW lounges at airports when booking flights through eBucks Travel. This benefit offers a comfortable and luxurious experience while you wait for your flight.

eBucks Rewards Program: By spending regularly with the Aspire Credit Card, cardholders can earn eBucks points. These points can be redeemed for various rewards, including discounts on travel, shopping, and more.

Global Travel Insurance: Cardholders receive free global travel insurance for up to 90 days, offering peace of mind during international trips.

Flexible Payment Options: The card provides up to 60 days interest-free on purchases and flexible payment solutions, making financial management easier and more efficient.

Balance Transfer Facility: Consolidate your debts with the balance transfer option, which allows for a single monthly repayment at a competitive interest rate.

Purchase Protection: Items bought with the Aspire Credit Card are covered by purchase protection, ensuring the safety of your valuable purchases.

Free Cash@Till® Withdrawals: Enjoy the convenience of free Cash@Till® withdrawals, adding further value to your shopping experience.

Automatic Debt Protection: The card includes automatic debt protection, covering outstanding debt in the event of death or permanent disability.

Aspire FNB Fees and Commissions

The FNB Aspire Credit Card has a monthly account fee of R45. Cardholders can enjoy up to 55 days interest-free on purchases, with a credit limit of up to R300,000, depending on their credit profile. Interest rates are personalized and competitive, typically starting at 15% per annum on the credit facility.

Balance transfers from other credit facilities are available, subject to specific interest rates and terms. Transactional fees apply for cash withdrawals, and international transactions incur additional fees for currency conversions.

Please note that fees and charges are subject to change without prior notice. For the latest information, refer to FNB official pricing guide.

Positive points

Efficient lost Card Management:
Enjoy the peace of mind of managing lost cards effectively through an intuitive app.
55-day interest-free period:
Maximize your financial flexibility with a generous up to 55-day interest-free period on direct purchases.
Contactless payments:
Practicality is at your fingertips with the option of contactless payments.

Negative points

Annual income requirement:
The FNB Aspire Credit Card is reserved for those with an annual income between R60,000 and R299,999.
Solid credit history:
Obtaining the Aspire Credit Card requires a solid credit history, with a focus on transparency and financial accountability.
Higher interest rates:
The interest rates can be higher compared to other credit cards, especially if you do not have an excellent credit history.

Credit card limit

The credit limit of the FNB Aspire Credit Card can vary depending on the credit profile of the cardholder. This amount is determined based on a detailed analysis of the applicant’s financial history and profile, taking into account factors such as income, payment history, and other financial commitments.

Generally, the credit limit can reach up to R300,000. This high amount reflects FNB confidence in the cardholder’s financial capability. The assignment of such a high limit results from a thorough and personalized evaluation, ensuring that the credit granted aligns with the client’s payment capacity and financial needs.

How to apply for Aspire FNB

Visit the Aspire Credit Card Page: Navigate to the Aspire Credit Card page on the FNB website.
Click on “Apply Now”: Locate and click on the “Apply Now” button.
Fill in Personal and Financial Details: You will be directed to an online application form. Complete this form with your personal and financial details.
Submit the Application: After filling out the form, submit your application for review.