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FNB Private Clients Credit Card

felipe camilo
August 21, 2024

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The FNB Private Clients Credit Card offers an unparalleled combination of exclusivity and security. By obtaining this card, you gain access to personalized financial services designed to protect and grow your wealth.

The card includes a variety of benefits, from financial consulting to comprehensive insurance, all backed by FNB’s robust security. These features make the FNB Private Clients Credit Card an ideal choice for those seeking more than just a payment method—a true financial partner.

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Explore all the details and discover how this card can transform your banking experience. See how it can perfectly adapt to your unique needs.

About the FNB

First National Bank (FNB) is a leading financial institution in South Africa, known for its tradition and innovation. Founded in 1838, the bank is one of the oldest in the country, with a solid reputation for reliability and customer service.

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FNB is part of the FirstRand Group, one of the largest financial groups in Africa, offering a wide range of banking services, including current accounts, investments, insurance, and credit. The institution is recognized for its leadership in banking technology, providing modern and secure solutions for its customers.

With a continuous focus on meeting the needs of its most demanding clients, First National Bank positions itself as a reliable and innovative choice in the financial market. The FNB Private Clients Credit Card is a clear example of the bank’s commitment to offering high-quality products and personalized services.

FNB Private Clients Benefits

eBucks Rewards When Shopping with Selected Partners: With the FNB Private Clients Credit Card, you can accumulate eBucks rewards when shopping at a wide range of renowned partners, such as Takealot, Checkers, Engen, iStore, and Clicks. This means that every time you make a purchase at these establishments, a portion of the amount spent is returned to you in the form of eBucks, which can be used for discounts on future purchases or even to acquire products and services. This rewards program is ideal for those who want to maximize the value of their everyday purchases.

No Delivery Fees and Up to 55 Days of Interest-Free Credit: One of the great attractions of the FNB Private Clients Card is the absence of delivery fees, making it easier to get started. Additionally, the card offers up to 55 days of interest-free credit on your purchases, allowing you to manage your finances with greater flexibility. This means that as long as you pay the full balance by the due date, no interest will be charged on the purchases made. This benefit is especially useful for those looking to avoid the financial charges associated with using credit.

Up to 40% Back in eBucks on FNB Life Insurance Premiums: By taking out FNB life insurance, you can earn up to 40% of your premium payments back in eBucks, which can be used across a wide range of products and services. This exclusive benefit not only provides a way to protect your family and wealth but also rewards your loyalty to FNB with additional eBucks points, increasing the value of your insurance over time.

Innovative, Simple, and Secure Payment Methods with the FNB App: The FNB Private Clients Credit Card is integrated with the FNB App, offering a wide range of innovative, secure, and easy-to-use payment options. This includes contactless payments, which allow you to make transactions without inserting the card, instant transfers, and full financial management directly through the app. The convenience of being able to control everything centrally and securely is one of the card’s great advantages.

Automatic Debt Protection of Up to R12 000 in the Event of Death or Permanent Disability: This card provides an additional layer of financial security for the cardholder, offering automatic coverage of up to R12 000 in the event of death or permanent disability. This ensures that in adverse situations, your financial obligations with the credit card are covered, easing the financial burden on your family or loved ones during difficult times.

Purchase Protection for Items Purchased with the Virtual Card: When you use the FNB Private Clients Card to make purchases, especially online, you can rest assured knowing that you are covered by Purchase Protect, which offers coverage of up to R12 500 for items purchased with the virtual card. This means that if the products you buy are damaged, stolen, or lost, you may be reimbursed, providing extra security for your purchases.

Medical Expenses Financing with Competitive Interest Rates: If you need to finance medical expenses, the Private Clients FNB Credit Card offers highly competitive interest rates, ranging from prime to prime +2%. This makes it easier to pay for unexpected or planned medical expenses, allowing you to spread the cost over time without incurring high interest charges.

Device Financing with Up to 60% Back in eBucks: By using the credit budget to finance the purchase of a device, you can earn up to 60% back in eBucks on the monthly premium. This not only makes acquiring cutting-edge technology more accessible but also provides significant rewards that can be reinvested in future purchases or other benefits.

FNB Private Clients Fees and commissions

The FNB Private Clients Credit Card has a monthly fee of R176, along with an initiation fee of up to R199. These fees ensure access to all the exclusive benefits offered by the card.

Additionally, there is a credit facility service fee of R21. The card allows up to three additional cards at no charge, but from the fourth card onwards, the fee is R18.50 per card, per month.

The fees mentioned are subject to change without prior notice. It’s important to check the terms directly with FNB before applying for the card.

Positive points

Generous Rewards:
Earn eBucks when shopping with selected partners, maximizing the value of your daily transactions.
Comprehensive Coverage:
Automatic debt protection and coverage for purchases made with the card, providing greater financial security.
Flexible Payment Options:
Simplified and secure payments through the FNB app, as well as financing options with competitive rates.

Negative points

Limited Use of Benefits:
Some benefits, like purchase protection, may not be fully utilized by all users.
Complexity in Using Rewards:
Accumulating and using eBucks can be confusing for those unfamiliar with the system.
Dependence on Specific Partners:
The best rewards are tied to shopping with specific partners, which may limit your freedom of choice.

FNB Private Clients Card Limit

The credit limit of the FNB Private Clients Credit Card is highly personalized, varying according to the credit analysis and financial profile of the client. Clients of this card often have access to high credit limits, reflecting their financial capacity and relationship with the bank.

This limit can be adjusted as needed, either to meet temporary demands or to reflect a change in your financial situation. To request an adjustment, simply contact your designated account manager or use FNB’s digital channels.

How to apply for FNB Private Clients

Visit the FNB website and go to the credit card section for private clients.
Fill out the online application form with your personal and financial information.
Submit the necessary documents, such as proof of income and identity.
Wait for the credit analysis and approval confirmation.
Receive your card at the registered address and activate it to start using.

You will be redirected to the card website

How to contact FNB

For more information or assistance, you can contact FNB through the following channels:

Phone: 087 575 9404
Email: [email protected]

Elevate Your Finances with the FNB Private Clients Credit Card – Apply to unlock exclusive benefits, personalized services, and top-tier financial security. Don’t miss out—apply and start enjoying the privileges of being an FNB Private Client.