Rating based on 569 reviews


FNB is a Registered Financial Service Provider / NCRCP16

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About FNB

As a large bank with a mega infrastructure that spreads across our beautiful nation, First National Bank is able to reach more people and make a bigger difference where it really counts.

We truly care about the people and communities we serve and will always go the extra distance to make things better for them.

Identifying your specific needs

We strive to get to know our customers and identify their specific loan needs through careful evaluation and affordability checks. This has allowed us to develop a range of lending products and services that fit into the lives of our customers and meet all their needs in the most precise and beneficial way.

What FNB can offer you

Whether you're an individual or a business FNB can provide you with a range of banking and lending solutions that are tailored to meet your needs.

From personal and business loans to credit cards and overdrafts, FNB offers you the widest, most innovative and modern products for your needs.

Our credit cards

FNB offers a range of credit cards for varying incomes and needs which include the Gold, Premier, Private Clients and Private Wealth products. With our cards you can earn eBucks rewards and Visa Privileges as well as a variety of features and benefits including additional cards, petrol cards and insurance products.

Interest Rate

From 0 %

In a Nutshell

  •  Available cards
    • Gold FNB VISA
    • Premier FNB VISA
    • FNB Private Clients
    • FNB Private Wealth
    • FNB Petro Card
  •  Rewards
    • eBucks
    • Visa Privileges
    • Access to SLOW Lounge
    • Roadside assistance
    • Take Me Home life service
  •  Interest-free purchase periods 55 days
  •  Annual fee ranges From R 516,00 per annum
  •  Average processing time 3 days
  •  Online application
  •  In-store application

Your FNB Credit Card - Options and Application

The FNB Gold credit card: This product requires an annual income that ranges from R80,000 to R349,999 and offers you eBucks rewards, debt protection, travel insurance, online banking and unlimited card swipes.

The FNB Premier credit card: This product requires an income of between R350,000 and R749,999 per annum and offers holders low monthly fees for high value, eBucks rewards, access to SLOW lounge, Visa privileges, subscription to online and mobile banking as well as lifestyle protection and travel insurance.

The FNB Private Clients credit card: For individuals with an annual income ranging from R750,000 and R1.5 million and offers all the benefits of FNB's credit card products including up to 5% eBucks rewards as well as Visa privileges and unlimited swipes.

Applying for one of the above cards

In order to obtain one of the above credit cards, you will require an RSA ID or passports with a valid permit, proof of residence, last 3 payslips or bank statements and a completed a credit application which can be done online or in branch at any FNB.

We will offer you what you need

We are a company that cares and we can guarantee that whatever you are looking for we will offer you. We offer a wide variety of products from bank accounts to loans to credit cards. Whatever you need we can get it for you even car loans we are here for you and when you join our team you will always have someone to call if you are needing assistance.

A calculator that sees you through

Perhaps you wondering what your credit card will cost you per month well with our loan calculator you can find out all you do. Is input the amount that you will be using on your card and your interest rate and the amount of time. You will be paying it back and you will see how much we will charge you and you can adjust it to find the amount that will suit you.

Keeping an eye on your finances

We have gone digital for you yes now you can have an app on your phone that will let you see your finances and make sure that your account is secure. You can even check how many rewards points you have earned. Paying people on the go has never easier with the FNB app.

Eligibility & Requirements

Other Products & Services

  • Bank Acounts
  • Credit Cards
  • Saving Acconts
  • Home Loans
  • Business Loans
  • Overdrafts
  • Student Loans
  • Insurance

Customer Reviews & Testimonials

Contact Details

 Visit Website


 Physical Address

  • 13,Thebe Hoskins House, 4 Breda St & MILL Street, Cape Town, Gardens, 8001, South Africa

Opening Hours

  •  Monday 09:00 – 17:00
  •  Tuesday 09:00 – 17:00
  •  Wednesday 09:00 – 17:00
  •  Thursday 09:00 – 17:00
  •  Friday 09:00 – 17:00
  •  Saturday 08:30 – 13:00
  •  Sunday Closed –