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Private Clients FNB Credit Card

Geovana Ramos
December 7, 2023

The FNB Private Clients credit card stands out as a premium option, offering exclusive benefits and services. With a focus on personalization, it aims to meet each client’s unique financial needs, providing tailored solutions and dedicated support.

Clients can earn eBucks rewards, up to three times their monthly account fee. This rewards program ensures more value from daily spending, making the banking experience both rewarding and efficient.

FNB Private Credit Card holders benefit from exclusive offers at major retailers and access to luxurious lounges like the SLOW Lounges. These perks enhance lifestyle convenience and comfort. Continue reading to discover more about the exceptional benefits the FNB Private Clients credit card offers.

About the FNB:

FNB (First National Bank) is one of South Africa’s leading financial institutions, with a rich history dating back to 1838. Originally established as Eastern Province Bank, it became part of the FirstRand Limited group, one of the country’s largest financial conglomerates. FNB is recognized for its innovation and comprehensive services, catering to a wide range of clients from individuals to large corporations.

The bank is known for its strong emphasis on technology and innovation, pioneering various digital banking solutions in South Africa. FNB offers a variety of services, including checking and savings accounts, loans, investments, and credit cards like the Private Clients FNB. These offerings are designed to provide convenience and value to its customers.

In addition to its financial products and services, FNB is also committed to corporate social responsibility. Through various initiatives, the bank supports local communities and promotes sustainable development. This commitment reflects the bank’s philosophy of being not just a leader in the financial sector but also a catalyst for positive change in society.

Card Benefits

Earn ebucks: Clients can earn up to three times their monthly account fee in eBucks. This program maximizes rewards on everyday spending, providing up to 40% back on FNB Life Insurance premiums each month.

Exclusive offers: Enjoy special offers from top retailers such as iStore, Pro Shop, Cycle Lab, and KOODOO.co.za, along with competitive interest rates. Additionally, the card offers up to 55 days of interest-free purchases and no fees for credit card delivery.

Privileged lounge access: Benefit from access to luxurious lounges, including the renowned SLOW Lounges, enhancing your travel experience with a relaxing environment before flights.

Comprehensive protection: Automatic Debt Protection up to R12,000 in the event of death or permanent disability, and Purchase Protect covering items bought with your virtual credit card up to R12,500.

Convenient payment options: A variety of innovative, simple, and secure ways to pay using the FNB App.

Private Clients FNB Fees and Commissions

The FNB Private Clients credit card includes a Credit Card Facility Fee of R22 per month and no charge for the Credit Card Rewards Fee, allowing linked credit cards to earn eBucks without additional costs. The interest rate is variable based on individual credit assessments, ensuring personalized financial management.

Cash withdrawals at FNB ATMs incur a fee of R2.00 per R100 withdrawn, and international transactions are charged at 2.75% of the transaction value. These fees ensure transparency and convenience for all cardholders, whether they are making domestic or international transactions.

Please note, all fees and rates are subject to change without prior notice. Always check the latest pricing guide for up-to-date 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

High Monthly Fees:
The card has a monthly account fee of R450, which can add up over time.
Variable Interest Rates:
The interest rate varies based on individual credit assessments, potentially leading to higher costs for those with lower credit scores.
Cash Withdrawal Fees:
Withdrawing cash at FNB ATMs incurs a fee of R2.00 per R100, which can accumulate quickly for frequent users.

Credit card limit

The credit limit for the FNB Private Clients credit card is determined based on a detailed credit assessment and the individual’s specific financial profile. This evaluation considers various factors, such as credit history, current income, existing financial obligations, and payment behavior.

To obtain a personalized credit limit, FNB carefully analyzes all these aspects, ensuring that the limit granted is appropriate to each client’s financial capacity. This process helps maintain the client’s financial health and minimizes risks for the bank.

How to apply for Private Clients FNB

Visit the official FNB website using your preferred web browser.
Navigate to the “Private Clients” category, which can typically be found under the personal banking section.
Click the “Apply Now” button prominently displayed on the Private Clients page.
Fill out the short application form with your personal and financial details as requested.
Review all the information entered to ensure accuracy and completeness before submitting the form.
Submit the completed form and wait for confirmation of your request. You will receive an acknowledgment of receipt and further instructions regarding the next steps in the application process.