Compare FNB Credit Cards
First National Bank (FNB) is
not only South Africa's oldest bank but one of the top dogs in South
Africa's banking industry. FNB prides itself as a bank for the people
and is involved in numerous activities to support South Africa as a
nation.
FNB prides itself on customer
service and satisfaction. The bank offers a number of credit cards to
try and cater for every South African's needs and financial situation.
FNB now offers an eBucks reward system on credit card transactions.
This allows customers to earn "eBucks" on every transaction which they
can then intern use to purchase every day items online such as gifts,
clothing and airtime.
FNB boasts some of the lowest
transaction fees, allowing you to make transactions and draw money free
of charge which is uncommon amongst other South African banks.
In order to apply for a credit
card your financial situation will determine your interest rate as well
as limit offered. Be sure to compare
credit
cards offered by other South
African banks with FNB credit cards.
CREDIT
CARD
|
SUITABLE
INCOME
(Per Annum)
|
INITIATION
FEE
|
MONTHLY
FEE
|
INTEREST
FEE
PERIOD
|
INTEREST
RATES*
|
| FNB
Platinum Credit Card |
R350
000 + |
R110.00 |
R36.66 |
2
Months |
Personalised |
| FNB
Gold Credit Card |
R140
000 + |
R110.00 |
R21.25 |
55
Days |
Personalised |
| FNB
Silver Credit Card |
R80
000 + |
R110.00 |
R14.00 |
U/A |
Personalised |
| FNB
Smart Credit Card |
R36
000 + |
R110.00 |
R28.00 |
44
Days |
Personalised |
| FNB
Standalone Petro Card |
N/A |
N/A |
R16.25 |
N/A |
U/A |
*FNB Credit Card now offer new
customers personalised interest rates when they apply for a credit
card. The introduction of personalised pricing on its credit card is
designed to reward customers who have built themselves a good credit
profile over the years.
FNB Credit Card Rewards and
Benefits
CREDIT
CARD
|
eBUCKS
|
inCONTACT
|
CELLPHONE
BANKING
|
ONLINE
BANKING
|
EMAILED
STATEMENTS
|
| FNB
Platinum Credit Card |
Yes |
Yes |
Yes |
Yes |
Yes |
| FNB
Gold Credit Card |
Yes |
Yes |
Yes |
Yes |
Yes |
| FNB
Silver Credit Card |
Yes |
Yes |
Yes |
Yes |
Yes |
| FNB
Smart Credit Card |
Yes |
Yes |
Yes |
Yes |
Yes |
| FNB
Standalone Petro Card |
N/A |
Yes |
Yes |
Yes |
Yes |
FNB
Credit Card Related Fees
Value added services*
Included:
(part and parcel of your product)
|
Optional:
(customer needs to apply for)
|
| Comprehensive
Global
Travel
Insurance* |
Free |
Online
Banking
Subscriptions |
Free |
| Automatic
Debt
Protection* |
Free |
Telephone
Banking
Subscription |
Free |
| Lost
Card Protection |
Free |
Cellphone
Banking
Subscription |
Free |
| PIN
Replacement |
Free |
inContact
(sms &
email notification) |
Free |
AA
Roadside Emergency
Assistance *
(Petro Cards Only) |
Free |
Debt
Protection Plan* |
1.
R3/ R1000
2. R5/R1000 |
| eBucks
Rewards** (Not applicable to Petro Cards) |
| Annual
eBucks
Fee |
R160
per
annum |
|
Earn
Rate: (Straight
& Budget)
Platinum, Gold & Silver Credit Card
|
eB1
for every R10
spent |
| Credit
Card Purchase |
Free
|
| Credit
Card Budget
Purchase |
Free |
| Fuel
Transaction Fee |
R3.50 |
International
Currency
Commission and Conversion Fee:
% of transaction value |
2.75% |
Linked
Account Transfer & Account Payments
|
| IVR
Smart Transfer to
FNB |
Free |
| Linked
Account Transfers |
R3.30 |
| Third
Party Payments |
R7.20 |
| Telephone
Banking
(Consultant Assisted) |
R20.00 |
| FNB
ATM |
R1.00
-R500.00
R5.50
R501.00 -
R1000.00
R11.00
R1001.00
+
R16.50 |
| Other
Banks ATM |
R5.75
+ FNB ATM Fee |
Cash
on Budget
(Not offered on Smart Credit
Cards) |
R35.00
+ % of value
(Maximum R1 500)
Silver 2.50%
Gold 2.25%
Platinum 2.00% |
| International
ATM and
Branch |
R23.50
+ 1.50% of value |
| Cheques |
R13.50
(Free for Encore)
|
| Cheque
Clearance Fee |
R195.00 |
| Cash |
1.10%
of value (Minimum
R16.50) |
| Cash
at Automated
Deposit Terminal (ADT) |
0.65%
of value (No
Minimum) |
Voucher
Retrieval Requests
|
| Local |
R55.00 |
| International |
R190.00 |
| FNB
ATM |
Free |
| FNB
Branch |
R3.00 |
| International |
R3.25 |
| Other
Banks ATM |
R3.25 |
| Current
Month Emailed
Statement |
Free |
| Current
Month Paper
Statement |
Fee |
| Dual
Statement (paper
& email) |
R10.00 |
| Mini
Statement (FNB
Branch) |
R2.25 |
| FNB
Branch (per page) |
R4.50 |
| Historical
Statements
(per account per emailed statement) |
R5.30 |
| Declined
Transaction
Fee |
R5.00 |
| Over
Limit Fee (not
applicable to NCA accounts with credit agreements after 1 June 2007) |
R187.00 |
| Unpaid
Fees |
R187.00 |
| Late
Payment Fee (not
applicable to NCA accounts with credit agreements after 1 June 2007) |
R187.00 |
| Balance
Transfer (BT's)
early settlement fee (not applicable to NCA accounts with credit
agreements after 1 June 2007) |
R220.00 |
| Arrears
Fee (only on NCA
accounts with credit agreements after 1 June 2007) |
R100.00 |
| Changes
to Account Limits |
Free |
| Bank
Cheque
Administration Fee |
R50.00 |
| Special
Arrangement Fee |
R300.00 |
| Reschedule
Fee |
R70.00 |
| Budget
Facility Setup
Fee (if not done at Point of Sale) |
R27.00 |
| Section
129 Letter Fee
*** |
R35.23 |
| Prepaid
Transaction Fee
(FNB ATM, Cellphone, Online and Telephone Banking) |
R1.50 |
| Card
Replacement Fee
(per card) |
R55.00 |
| Card
Courier Personal
Delivery (free for Platinum Credit Card holders) |
R165.00 |
| Card
Delivery to the
nearest FNB Outlet |
Free |
* Terms and Conditions apply.
** Excluded transactions include fuel, cash withdrawals, third party
payments, balance transfers and electronic fund transfers.
Smart Credit Card (not eligible).
^ This fee is subject to exchange rate fluctuations and may be reviewed
quarterly. Some international ATMs charge an additional surcharge.
***Subject to Magistrate's Court tariffs and registered mail costs.
Card fees are not negotiable.
Important information:
• The above pricing is inclusive
of VAT.
• FirstRand Bank Limited
reserves the right to amend product features or pricing at any time
with reasonable notice. We further reserve the right to re-price our
products at any time subject to Regulatory or Legislative changes.
• A detailed copy of the pricing
is available at your nearest FNB branch and on the website.
• Interest rates are
personalised and appear on the credit card statement.
Disclaimer
Please note that the above rates quoted above are current from printing
and to be used as a guideline only. There rates are subject to change.
Please note that Terms and Conditions apply. Contact the bank directly
for additional information and current fees and charges.
