FNB offers an impressive range of credit cards designed for South Africans with different lifestyles and financial needs. The range covers entry-level options starting from R59 per month (Aspire) up to premium Private Wealth cards. Monthly income requirements vary from R60,000 to over R1.8 million for the top tier. Each card provides competitive rates, spending power, and exclusive eBucks rewards for cardholders.

Interest rates on FNB credit card products are competitive and credit limits are tailored to your profile and income bracket. You may qualify for additional features like SLOW lounge access, petro cards, or comprehensive travel insurance, especially on higher-tier cards. Applicants should expect a formal credit check and must meet the respective minimum gross income for their chosen card. Documentation such as proof of address and income is standard.

How to apply: step by step

If you are considering an FNB credit card, the application is completed online in a few straightforward steps:

1. Choose the card suited to your income and needs.
2. Complete the secure application form with personal and employment details.
3. Upload required documents, such as ID, payslips and proof of address.
4. Wait for credit assessment from FNB.
5. Once approved, your card is delivered to your chosen address or branch.

Key benefits

FNB credit cards offer excellent rewards through the eBucks programme, where every swipe can earn valuable points, usable for travel, fuel, shopping and more. Cardholders also benefit from robust security measures and easy management via the FNB app.

Premium options include airport lounge access and tailored customer service for higher-income members. This makes the cards suitable for regular travellers or professionals seeking perks and flexibility.

Potential downsides

Monthly fees can become significant at the upper tiers, especially with additional cards or paid perks. Also, strict income requirements mean not everyone will qualify for premium benefits.

Your maximum credit limit will always depend on your credit record and affordability checks, which could be limiting for some applicants. Other banks might offer entry-level cards with lower salary requirements.

Verdict

FNB credit cards stand out for their flexible structure, solid rewards programme and secure, easy-to-use digital banking. They particularly shine if you already bank with FNB or want a seamless rewards ecosystem. While there are some income requirements to keep in mind, overall these cards represent good value for a wide range of consumers in South Africa.