FNB Credit Card Review: Prime Rates, Budget Facility & Exclusive Apple Deals

Get premium Apple and lifestyle deals at prime rates with FNB Credit Card. Budget facility, trade-in offers and flexible repayments make this card a smart choice for tech and sport lovers.

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First National Bank

Get Apple and lifestyle deals at prime rates with the FNB Credit Card, featuring budget options and the chance to trade in for upgrades.




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FNB offers a competitive credit card focused on premium value for South African consumers. With interest rates starting at prime or prime plus 2% on selected partner purchases, this card caters to tech fans and shoppers alike. You can use your qualifying card at stores such as iStore, The Pro Shop, Cycle Lab, and KOODOO for special deals, including attractive repayments through FNB’s budget facility. Whether you’re after the latest Apple device or sporting gear, purchases can be traded in after 12 or 24 months for a portion of the value – ideal for regular upgraders.

How to Apply for the FNB Credit Card

  • Access the application portal online.
  • Fill in your personal and financial details.
  • Choose the credit limit and product that fits your needs.
  • Submit all required supporting documents.
  • Wait for approval notification and card delivery.

Pros of the FNB Credit Card

The trade-in feature for tech and lifestyle purchases allows you to upgrade regularly and always have the latest gadgets or equipment. The interest rate at prime for select purchases is also highly competitive, helping you save on repayments, especially when compared to other standard credit providers.

Moreover, moving high-value purchases to your budget facility helps manage cash flow, making costly electronics or sports gear affordable in month-to-month instalments. You maintain financial flexibility while enjoying premium products.

Cons of the FNB Credit Card

Exclusive deals only apply at partner stores, limiting where the best rates can be accessed. Purchases outside of these partners may attract higher, standard credit card rates. If you’re not looking to regularly upgrade, the trade-in feature may not add much value.

Full purchase amounts initially come off your straight facility before transitioning to the budget facility, requiring some planning.

Our Verdict on the FNB Credit Card

The FNB Credit Card stands out for South Africans who want premium deals, tech upgrades, and flexible repayments. If you see value in regularly upgrading your smartphone or sporting equipment, FNB’s trade-in offer is worth it. While limitations exist in terms of partner networks, the overall blend of competitive interest rates and budget management makes it an excellent contender for those seeking value and lifestyle rewards.

Recommended for you

First National Bank

Get Apple and lifestyle deals at prime rates with the FNB Credit Card, featuring budget options and the chance to trade in for upgrades.




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