See How to Apply for the FNB Private Clients Credit Card

What do You Need to Know Before Applying for the FNB Private Clients Credit Card?

The FNB Private Clients is one of the many credit cards from First National Bank that can offer eBucks rewards, access to SLOW Lounges, and great comfort for the family.

The FNB Private Clients credit card is an excellent choice for those with annual incomes up to R1,799,999, providing rewards tailored to your family’s needs and lifestyle with enhanced security.

Regarding costs, there is an initiation fee of R175 and a monthly card fee of R160, with no additional charges for extra cards and transactions. Purchases are subject to personalized interest rates.

First National Bank offers a diverse range of banking services to accommodate various needs and spending habits.

Specifically, the FNB Private account delivers numerous benefits, such as:

• A 24/7 comprehensive service experience and investment support.
• More eBucks on transactions, along with extra FNB purchase protection up to R10,000.
• Up to 40% discounts on tickets bought through the eBucks system
• At least 8 annual visits to the SLOW Lounge, with the possibility for more.

The FNB Private Clients credit card, associated with this account, features the Visa logo and is a robust option for both domestic and international use.

FNB’s digital platform provides free cards with regularly updated CVVs, compatible with Apple Pay, Google Pay, and FNB Pay.

If you’re interested in this type of card, continue reading.

Who can Apply?

First National Bank clearly specifies the requirements for applying for a credit card. Applicants must be at least 18 years old and properly registered in the country.

Foreign nationals must present a valid passport along with a residence and work visa. Additionally, to be eligible, the applicant must have an annual income ranging from R750,000 to R1,799,999.

Before applying, you need to provide proof of residence dated within the last 3 months, a South African ID book or passport with work authorization, and the most recent payslip or 3 months of bank statements.

It’s important to note that meeting these requirements does not guarantee approval, as it is subject to the availability of First National Bank.

Therefore, the credit card application process is similar to other standard options available in the South African market.

Learn How to Apply for the FNB Private Clients Credit Card

The official Private Clients page of First National Bank includes an orange ‘Apply Now’ button. Clicking it takes you to the application form.

Initially, you need to provide your RSA ID number and cellphone number.

Next, FNB will request additional information such as your full name, address, email, and gross income. They may also ask for a list of your expenses to better understand your financial situation.

During the application process, you may be required to submit the necessary documents. FNB offers alternative application methods, such as the ‘Call Me Back’ form, which collects your name and contact details for follow-up.

You can also visit a First National Bank branch for assistance and to start the card application.

More Details

FNB’s rewards program, eBucks, provides exclusive discounts and deals in stores, along with three times the rewards on mobile phones.

When you join the bank, your spouse benefits from a 50% discount on the monthly fee, and children’s accounts come at no additional cost.

The FNB Private Clients Credit Card offers:

• Up to 55 interest-free days on purchases
• Up to R12,000 in automatic debt protection in the event of death or permanent disability.
• Purchase protection up to R10,000.

Additionally, you can pay your medical expenses at Prime or Prime+2% interest rates, depending on the terms.

In summary, the FNB credit card offers substantial convenience for managing expenses and handling unexpected situations.

Want to learn another option?

The FNB Private Wealth is another line of credit cards that offers more advanced features, albeit with higher costs, for use worldwide.

The card is very comprehensive, providing eBucks benefits even at fuel stations and full connectivity, and you can find out how to apply.

Written by

Gabriel Gonçalves