See How to Apply for the FNB Private Clients Credit Card

What do I need to know before applying for a FNB Private Clients Credit Card?

The FNB Private Clients credit card is highly efficient for those with annual incomes of up to R1,799,999, offering rewards suitable for your family and lifestyle with added security.

First National Bank provides a wide variety of banking services to meet different needs and spending levels.

The FNB Private account, in particular, offers a range of benefits, including a comprehensive 24/7 service experience and investment assistance.

The FNB Private Clients credit card, part of this account, carries the Visa logo and is a strong option for use both domestically and internationally.

FNB’s digital system offers free cards with regularly changing CVVs, fully compatible with services like Apple Pay, Google Pay, and FNB Pay.

Additionally, you earn more eBucks on transactions, along with additional FNB purchase protection of up to R10,000.

Regarding costs, there is an initiation fee of R175 and a monthly card fee of R160, with no extra cost for additional cards and transactions. Personalized interest rates apply to purchases.

The FNB Private Clients card offers up to 40% discounts on tickets purchased through the eBucks system and provides at least 8 annual visits to the SLOW Lounge, with potential for expansion.

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

Who can Apply?

First National Bank clearly outlines the conditions for applying for a credit card with the bank. First, you must be at least 18 years old and properly registered in the country.

This means that foreigners need to present a valid passport with a residence and work visa.

Most importantly, to qualify for the card, the applicant must have an annual income between R750,000 and R1,799,999.

Before applying, you need to present the following documents:

• Proof of residence no older than 3 months
• South African ID book or passport with work authorization
• Most recent payslip or 3 months of bank statements

It is important to note that even if you meet the requirements, approval is subject to the availability of First National Bank.

In this way, the credit card does not differ much from the traditional options available in the South African market.

How do I Apply for the FNB Private Clients Credit Card?

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

The first information requested is your RSA ID number and cellphone number.

Subsequently, FNB will ask for more details, such as your full name and address, email, and gross income. The bank may also request a list of expenses to better understand your financial situation.

During the process, you might be asked to submit the required documents. FNB also offers other application methods, such as the ‘Call me Back’ form, which asks for your name and contact details to initiate service.

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

More Details

FNB’s rewards system is eBucks, offering exclusive discounts and deals in stores as well as 3x more on mobile phones.

When you sign up with the bank, your spouse receives a 50% discount on the monthly fee, and there are no costs for children’s accounts.

The FNB Private Clients Credit Card offers up to 55 interest-free days on purchases, automatic debt protection of R12,000 in case of death or permanent disability, and purchase protection of up to R10,000.

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

Thus, the FNB credit card provides good comfort for your expenses and even for unexpected situations.

Want to learn about another option?

The South African market has other good credit card options, including no-cost ones like the Absa Bank for Students, which has no annual fee.

Additionally, Absa provides easy access as it is specifically designed for those without a credit history. Here’s how to apply.

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