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Premier FNB Credit Card

Geovana Ramos
December 7, 2023

When considering credit card options, the FNB Premier stands out with a range of unique benefits. This card offers exclusive travel protection, ensuring peace of mind with coverage for trip cancellations, lost luggage, and more.

The FNB Premier also provides significant discounts on fuel, allowing for savings on daily expenses. You can earn up to R4 per liter back in eBucks at Engen stations, making everyday life more economical and rewarding.

Additionally, the FNB Premier enhances your shopping experience with attractive rewards. Cardholders can earn up to 15% back in eBucks when shopping at selected retailers. Keep reading to discover more about the exceptional benefits of the FNB Premier.

About the FNB:

First National Bank (FNB) is one of South Africa’s oldest and most respected financial institutions, with a history dating back to 1838. As part of the FirstRand group, FNB offers a wide range of banking services, including checking and savings accounts, credit, and investment products.

FNB is renowned for its innovation and commitment to customer service excellence. Utilizing advanced technology and an extensive network of branches and ATMs, the bank simplifies financial management for millions of customers across Africa and beyond.

In addition to its strong local presence, FNB operates in several other African countries and has a global outlook. Its focus on sustainability and corporate social responsibility reinforces its role as a leader in the banking sector.

Card Benefits

Shopping Rewards: Earn up to 2% back in eBucks when you use your FNB Premier card for purchases in physical stores and online. Additionally, you can earn up to 15% back in eBucks on purchases at Checkers, Shoprite, and when using Uber domestically. This rewards program ensures that you get more value out of every purchase.

SLOW Lounge Visits: Enjoy up to 8 complimentary visits per year to the SLOW Lounge, offering a range of amenities such as freshly brewed coffee, tasty snacks, high-speed WiFi, private studies, and spa treatments. This benefit provides a luxurious and comfortable environment for travelers to relax and unwind.

Automatic Debt Protection: Receive coverage of up to R12,000 in the event of death or permanent disability. This automatic debt protection ensures that you and your loved ones are financially secure, providing peace of mind during unexpected circumstances.

Purchase Protection: Benefit from coverage for items purchased using your FNB Virtual Credit Card, both in-store and online. This purchase protection helps safeguard your valuable purchases against damage, loss, or theft, enhancing your shopping experience with added security and confidence.

Premier FNB Fees and Commissions

The FNB Premier Credit Card comes with a monthly account fee of R109 and an initiation fee of up to R199. One additional card is provided free of charge. The card offers an interest-free period of up to 55 days on purchases, with competitive interest rates tailored to individual credit profiles.

Transaction fees include R2.30 per R100 for local ATM withdrawals and R75 plus 2.75% of the withdrawal amount for international ATM withdrawals. Card replacement incurs a fee, ensuring cardholders have access to necessary services without unexpected high costs.

Please note that fees and rates are subject to change without prior notice. Always check the official FNB website or contact customer service for the most current information.

Positive points

eBucks Rewards:
Earn up to 15% back on purchases at selected retailers like Checkers, Shoprite, and Engen, enhancing the value of your everyday spending.
Travel Benefits:
Enjoy up to 8 complimentary visits per year to SLOW Lounges at major airports, offering high-speed WiFi, spa treatments, and comfortable seating areas.
Insurance Coverage:
Includes free global travel insurance and automatic debt protection, providing financial security in unexpected events.

Negative points

Limited Store Coverage:
The eBucks rewards program offers higher points at selected retailers like Checkers, Shoprite, and Engen, which can limit rewards for those shopping outside these partners.
Restricted Travel Benefits:
Travel perks, such as free airport lounge access and airfare discounts, are only available when bookings are made through eBucks Travel, which might be inconvenient for some users.
High Requirements for Maximum Rewards:
To maximize reward earnings, cardholders need to meet high monthly spending thresholds and specific banking criteria, which can be challenging for those with lower spending habits.

Credit card limit

The credit limit for the FNB Premier Card is customized based on the individual’s financial profile and credit capacity. It can vary significantly depending on the bank’s credit assessment. This evaluation process takes into account various factors, including annual income, credit history, repayment ability, and other financial commitments.

To obtain a specific credit limit for your case, a detailed credit assessment conducted by the First National Bank (FNB) team is necessary. This process may involve submitting documents such as proof of income, bank statements, and additional information that can assist in determining a credit limit suitable to your financial needs.

How to apply for Premier FNB

Visit the Official FNB Page: Go to the First National Bank (FNB) website.
Select the “Premier” Card: Find and click on the “Premier” card option.
Click “Start Application”: Click the “Start Application” button.
Fill Out the Form: Enter your personal information in the application form.
Wait for a Response: Submit the form and wait for FNB to contact you about your application.