FNB's FREE notification messaging service

This innovative messaging service enables you to keep track of transactions on your account, via email or SMS, and you can choose to receive your messages during the day between 7am and 8pm or 24 hours a day.

You get to select which accounts are linked to inContact.

Register for inContact via Online Banking or call 087 575 9404.

Terms, Conditions and Rules apply.

inContact Pro

FNBs FREE Notification Messaging System

Prevent fraud on your account. Keep track of money moving in and out.

Innovative messaging system to keep in touch with account balances, manage your money and prevent fraud.

inContact gives you the flexibility to choose when, why and how you manage your money.

Choose to receive your messages during the day between 7am and 8pm or 24 hours a day.
Choose to be notified when you spend over a certain amount on your account. Choose which accounts are linked to inContact.

Terms, Conditions and Rules apply.

A variety of chequebook options

Choose from a selection of cheque books to suit your needs.

Terms, Conditions and Rules apply.

Unlimited Free Swipes

A short-term facility that helps you gain more financial flexibility. Ideal for emergencies and unforeseen circumstances.

Terms, Conditions and Rules apply.

Get rewarded with discounts on products and services

Get rewarded by simply doing your banking with us. You'll qualify for discounts on a variety of products and services.

Terms, Conditions and Rules apply.

Free subscription to Online and Cellphone Banking

Make use of our electronic banking channels for banking anywhere, any time.

Terms, Conditions and Rules apply.

Link Visa Cheque Cards, Visa Electron Debit Cards or Petrol Cards

You are allowed multiple linked cards, ensuring that your business can run seamlessly.

Terms, Conditions and Rules apply.

55 days interest free

Take a break with no interest

With FNB you can now enjoy up to 55 days interest free on your straight facility purchases*.

*Purchases exclude cash transactions, traveller's cheque purchases and certain forex transactions. Please see Terms and Conditions for detailed exclusions.

For any credit card enquiries, call us on 087 575 1111, email us at fnbcard@fnb.co.za or visit your nearest FNB branch . For fast applications, you can call 0860 FASTAP (327827).

Terms, Conditions and Rules apply.

Comprehensive Global Travel Insurance

Comprehensive Global Travel Insurance will keep you covered no matter where you go in the world, when you purchase you purchase your return travel tickets on your FNB Current or Credit Card.

To qualify for Comprehensive Global Travel Insurance:

Which cards qualify* for FNB's Comprehensive Global Travel Insurance?

*For FNB Classic Credit Card Cover, go to the Global Travel Insurance page

Why do I need this?

Use your qualifying Credit or Current Card to purchase a local or international travel ticket and get FREE Comprehensive Global Travel Insurance. SAVE on your insurance and be conveniently covered for the first 90 days of your journey.

With Comprehensive Global Travel Insurance you get:

FNB Gold Credit Card:

FNB Platinum, Private Clients and Private Wealth Credit Card

How do I get Comprehensive Global Insurance?

This offer is available to FNB Current and Credit Card holders, below the age of 70* and credit cardholders, who have not yet turned 71* who are residents of any of the below countries:

For assistance contact:

If you are 71 years or older, FNB provides a special type of insurance to suit your needs. For more information view the Global Travel Insurance Policy with the Senior Schedule of benefits

Travel Policy

For additional cover amounts. we have another option you can choose from in our Optimum Options cover .

For your travel insurance policy, please note the following:

Terms, Conditions and Rules apply.

Auto Payment Solution

The Credit Card safety net

Have the convenience of having your credit card account paid on time, every time!

Did you know that FNB Credit Card's Auto Payment Solution allows you to pay your account with ease and serves as a safety net? Have the convenience of having your credit card account paid automatically on time, every time. The Auto Payment Solution works with a 'built in' calculator which takes into account any pre-payments and deducts these amounts from the required debit order amount.

Credit cardholders can select one of six convenient Auto Payment Solutions which will be applied monthly to pay your account:

Benefits of an Auto Payment Solution:

Easy steps to set up an Auto Payment Solution:

On the payment due date, your amount payable (as per the payment option you have selected) will automatically be deducted from your bank account and your credit card will be credited subject to one day "uncleared effects".

Terms, Conditions and Rules apply.

FNB Rewards for Smart Account

As a Smart Account customer, you can get FREE airtime* every month if you bank smart! Qualifying to get FREE airtime* is easy, all you need to do every month is:

Every month you can:

Terms, Conditions and Rules apply.

Balance Transfer

Consolidate your debt at 9.9% for the first 9 months

Using a Balance Transfer, you are able to shift all your outstanding debt into the budget facility on your FNB Credit Card.

Use the Balance Transfer payment table to get an indication of your repayments.

Period 18 Months 24 Months 30 Months 36 Months 42 Months 48 Months 54 Months 60 Months
R 4,000 R 240 R 184 R 151 R 129 R 113 R 101 R 92 R 85
R 5,000 R 300 R 230 R 189 R 161 R 141 R 127 R 115 R 106
R 6,000 R 360 R 277 R 227 R 193 R 170 R 152 R 138 R 127
R 8,000 R 480 R 369 R 302 R 258 R 226 R 203 R 184 R 170
R 10,000 R 600 R 461 R 378 R 322 R 283 R 253 R 230 R 212
R 12,000 R 720 R 553 R 453 R 387 R 399 R 304 R 276 R 254
R 14,000 R 840 R 645 R 529 R 451 R 396 R 354 R 322 R 297
R 16,000 R 960 R 738 R 604 R 516 R 452 R 405 R 368 R 339
R 18,000 R 1,080 R 830 R 680 R 580 R 509 R 456 R 414 R 382
R 20,000 R 1,200 R 922 R 755 R 644 R 565 R 506 R 460 R 424
R 30,000 R 1,800 R 1,383 R 1,133 R 967 R 848 R 759 R 691 R 636
R 40,000 R 2,400 R 1,844 R 1,511 R 1,289 R 1,131 R 1,013 R 921 R 848
R 78,000 R 4,681 R 3,596 R 2,946 R 2,513 R 2,205 R 1,975 R 1,796 R 1,653

* Subject to Terms and Conditions, (This table is purely for illustrative purposes and is based on assumed repayment period, transfer amount and monthly instalment. It is not necessarily indicative of the amount you will be responsible for).

To apply call 0860 BT CARD (282 273) during office hours.

Terms, Conditions and Rules apply.

Visa Global Customer Assistance Service

Friendly assistance wherever you go in the world

Through the Global Customer Assistance Service (GCAS) programme, Visa provides high-quality assistance to Visa cardholders when they travel overseas.

This is a multilingual service and is available globally, 24-hours a day, 365 days a year.

The services available include:

If you need assistance please call 0800 990 475 or +1(0) 410 581 9994 from anywhere in the world.
Or alternatively send an email to: cardcancellationqueries@fnb.co.za for Lost / Stolen Card and Emergency Card Replacement
or
email cancellations@fnb.co.za for Emergency Card Authorisation

Terms, Conditions and Rules apply.

Debt Relief Solutions

Increase your monthly cash flow and lower your credit card repayments, or just get assistance with repaying your credit card debt

FNB can help you consolidate your credit card debt, short term debt and retail accounts with a solution that is right for you. You'll have extra cash at your disposal and know exactly how much you owe every month! These options are also useful when you are struggling to meet your repayment requirements.

Steps to finding your ideal debt solution :

There are 4 solutions to choose from:

Straight-2-Budget: Consolidate your total straight balance and your budget balance into one Budget Plan and reschedule your payments over 6-60 months at your current budget interest rate.

Simply call 087 575 1111 and ask for the Straight-2-Budget Debt Relief Plan!

Budget Plan Consolidation: Simply consolidate your multiple budget facilities into one and reschedule your repayments over a shorter or longer period at a set interest rate. This solution allows you to lower your monthly credit card budget facility repayments over a 6 - 60 months.

Call 087 575 1111 and ask for Budget Plan Consolidation.

Balance Transfer: Consolidate any retail, store, short term or personal loan that you may have and transfer it onto your budget facility at a promotional rate for the first 9 months!

Call 0860 BT CARD (28 2273) today and use your FNB Credit Card to pay back your debt in a manageable and timely fashion with a Balance Transfer at a promotional rate for the first 9 months!

Credit Card Assist Plan: You get the peace of mind of choosing a repayment period from 6 - 96 months, enabling you to pay off your credit card balance in a timeframe that suits you!

Call 087 575 9432 and ask for the Credit Card Assist Plan - giving you the power to settle your credit card balance on your own terms!

Terms, Conditions and Rules apply.

Lost Card Protection

Protection in the event of a lost or stolen credit card

Report a lost or stolen card within 24 hours of the incident to the dedicated, toll free, 24 hour hotline! FNB will assist in the event of a non-PIN related fraud incident on your account.

In the event of your card being lost or stolen:

Terms, Conditions and Rules apply.

Verified by Visa

Protect your FNB Visa Card against fraudulent use online

Verified by Visa uses a One Time PIN (OTP) that is sent to you and comes at no extra cost.

To activate Verified by Visa on your FNB Visa Card, you must be an Online Banking user.

Verified by Visa will automatically be activated on your FNB Credit Card from February 2014.

You will also be able to activate your card by logging on to your FNB Online Banking profile and following these prompts:

How to use Verified by Visa when shopping online:

Terms, Conditions and Rules apply.

Free Budget Facility

Pay off your debt over more time

A Budget Facility is a convenient feature that allows you to choose from a range of repayment periods. It is ideal for those who would like to make larger purchases, which they want to pay off over time.

Terms, Conditions and Rules apply.

Free Card Delivery

Have your card delivered to your doorstep

Whether you're at work or home, we'll bring your card to you

Are you applying for a new credit card? Do you need to replace a lost, stolen or damaged card?

Call 087 575 1111* for more information or for instructions on how to have your card delivered wherever you want - no more queuing.

Delivery may take 3 to 5 working days. Delivery fees apply on Classic, Gold and Petro Cards.

*If you still have your current card, you can call the relevant number at the back of your card for assistance.

Terms, Conditions and Rules apply.

Total Guard Maintenance

Cover up to 3 electronic or home appliances plus 2 additional future items

For less than R20 per month you could be covered for items bought with your FNB Credit Card. This cover includes 2 additional items that you may purchase in the future.

If your products are still covered by their original warranty, Total Guard will liaise with the manufacturers and get your products repaired. If they are out of warranty, Total Guard will arrange collection and repair

Choose from two pricing options for the FNB Total Guard Home Maintenance Plan:

The monthly premium will be debited from your Credit Card

For all Sales and Service queries please call us on 0861 746 222.

Terms, Conditions and Rules apply.

The FNB Banking APP

Unparalleled simplicity and convenience

As a registered Online Banking user, you can access the FNB Banking App

Download the free app for Android™, Apple™,BlackBerry™ and Nokia™ Symbian devices*.

Using the Free FNB Banking App you can

For queries please email: fnbappsupport@fnb.co.za
To find out how to link your device call: 087 575 0362

*Android devices include HTC, Samsung, LG, Motorola, Sony Ericsson and Huawei. BlackBerry devices include the Torch, Storm, Bold and Curve that are OS5 or higher

Terms, Conditions and Rules apply.

Visa Privileges

Visa - your perfect companion

Enjoy more from life, whether you're travelling or at home.

Your Visa Credit Card offers an excellent selection of travel, dining, shopping and lifestyle opportunities.

While on your travels, should you have a medical emergency or your credit card is lost or stolen, you have access to an international support network to assist you: Visa Global Customer Assistance Service (GCAS) - 0800 990 475.

Find out more about Visa privileges.

Terms, Conditions and Rules apply.

Accidental Death Plan

Cover in the event of an accidental death

FNB Credit Cardholders may purchase an Accidental Death Plan which provides cover for you or your loved ones in the event of your death in an accident.

Benefits

Cover amount Individual Plan Family Plan*
R 100 000 R52 R64
R 150 000 R71 R89
R 200 000 R90 R114
R 250 000 R109 R139
R 300 000 R128 R164
R 350 000 R147 R189
R 400 000 R166 R214
*Benefit entitlement on the Family Plan
Plan Holder 100% of cover amount
Spouse 50% of cover amount
Children (Up to 5 Children) R10 000 each

Process

For all administrative enquiries, please call 0860 102 398 weekdays 08:00 - 17:00 or send an email to customerservice@fnbinsurance.co.za

For Take Me Home bookings, please contact 0861 643 278 and provide your Accidental Death Plan Policy Number

Terms, Conditions and Rules apply.

Fiduciary and Wealth

Leave a Legacy

Ensure your wealth is protected.

The FNB Banking, Fiduciary, Lending and Wealth Specialists will provide advice and guidance on various financial implications that may occur in the future.

Personalised services include:

Trust and Fiduciary

Estate Planning

Offshore Estate Planning

Contact your Private Banker for more information

Terms, Conditions and Rules apply.

SLOW Domestic Lounges

SLOW Domestic Lounges can be found in the domestic terminals of OR Tambo, Cape Town and King Shaka International Airports.

Benefits

Operating Hours

OR Tambo International Airport Cape Town International Airport King Shaka International Airport
Monday - Thursday 04h30 - 20h00 04h30 - 20h00 04h30 - 20h00
Friday 04h30 - 21h00 04h30 - 20h30 04h30 - 21h00
Saturday 06h00 - 18h00 06h00 - 17h30 06h00 - 18h00
Sunday 06h00 - 20h30 06h00 - 20h30 06h00 - 19h30

Peak Times include:

Access to SLOW Domestic Lounges will be limited to 90 minutes before boarding time.

FNB Platinum Current Account and Credit Card

Qualifying fees and criteria

Qualifying cards Qualifying criteria Qualifying entries per calendar month Fee per visit when qualifying criteria are met Fee per visit when qualifying criteria are NOT met Fee per additional entry (over and above the qualifying entries)
Current & credit card Reward level 1 or above 2 including guests** FREE R250 per person R250 per person

If you only hold a Platinum Current Account or only a Platinum Credit Card and your accounts are in good standing*, a fee of R250 per person will apply.

*Good standing: This means that none of your FNB or FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our terms and conditions.

**No guests will be allowed during peak times.

Additional Platinum rules

FNB Private Clients Current Account and Credit Card

Qualifying fees and criteria

Qualifying cards Qualifying criteria Qualifying Entries**** per calendar month Fee per visit when qualifying criteria are met Fee per visit when qualifying criteria are NOT met Fee per additional entry (over and above the qualifying entries)
Current & credit card Reward level 1 or above 4 including guests** FREE R250 per person R250 per person

If you only hold a Private Clients Current Account or only a Private Clients Credit Card and your accounts are in Good standing*, a fee of R250 per person will apply.

*Good standing: This means that none of your FNB or FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our terms and conditions.

**No guests will be allowed during peak times.

***Allocated free entries are shared between the SLOW Domestic Lounges and SLOW International.

Additional Private Clients rules

FNB Private Wealth Current Account & Credit Card

Qualifying fees and criteria

Qualifying cards Cardholders qualifying criteria Qualifying cardholder entries** per calendar month Fee per visit when qualifying criteria are met Fee per visit when qualifying criteria are NOT met Fee per additional entry (over and above the qualifying entries)
Current and/or Credit Card Reward level 1 2 including guests FREE R250 per person R125 per person
Current and Credit Card Reward level 2 or above Unlimited, including only 1 guest per visit and children under 18 FREE R250 per person R125 per person

**Allocated free entries are shared between the SLOW Domestic Lounges, SLOW International and Bidvest Premier Lounges.

Additional Private Wealth rules

FNB Business Platinum Current and Credit Card

Qualifying fees and criteria

Qualifying cards Qualifying criteria Qualifying entries*** per calendar month Fee per visit when qualifying criteria are met Fee per visit when qualifying criteria are NOT met Fee per additional entry (over and above the qualifying entries)
Current card Active Business Platinum Current account in good standing* with total deposits of at least R16 500 in the preceding calendar 2 including guests** FREE R250 per person R250 per person
Credit card Active Business Platinum Credit Card in good standing* 2 including guests** FREE R250 per person R250 per person

*Good standing: This means that none of your FNB or FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our terms and conditions.

**No guests will be allowed during peak times.

***Allocated free entries are shared between the SLOW Domestic Lounges and SLOW International

Additional Business Platinum rules

Business Black Current Account & Credit Card

Qualifying fees and criteria

Qualifying cards Qualifying criteria Qualifying Entries** per calendar month Fee per visit when qualifying criteria are met Fee per visit when qualifying criteria are NOT met Fee per additional entry (over and above the qualifying entries)
Current card*** Active Business Black Current card in good standing* with total deposits of at least R33 000 in the preceding calendar month Unlimited, including only 1 guest per visit FREE R250 per person R250 per person
Credit card Active Business Black Credit Card in good standing* Unlimited, including only 1 guest per visit FREE R250 per person R250 per person

*Good standing: This means that none of your FNB or FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our terms and conditions.

**Allocated free entries are shared between the SLOW Domestic Lounges and SLOW International.

*** Access will only be granted to holders of specific FNB Business Black Current cards, displaying the details highlighted below:

First 7 digits Card Image
4910507
4910508

Additional Business Black rules

Access Rules

Terms, Conditions and Rules apply.

SLOW in the City

Time and Space for extremely busy people

SLOW in the City can be found directly opposite the Sandton Gautrain Station, corner of Rivonia and West street.

Benefits

Operating Hours

Monday - Friday: 07h00 - 19h00

FNB Platinum Current Account and Credit Card

Day access qualifying fees and criteria

Qualifying products Qualifying criteria Qualifying entries per calendar month Fee per visit when qualifying criteria are met Fee per visit when qualifying criteria are NOT met Fee per additional entry (over and above the qualifying entries)
Current or Credit Card Reward level 1 or above No Free visits R150 per person R150 per person No Free visits

FNB Private Clients Current Account and Credit Card

Day access qualifying fees and criteria

Qualifying product Qualifying criteria Qualifying entries per calendar month Fee per visit when qualifying criteria are met Fee per visit when qualifying criteria are NOT met Fee per additional entry (over and above the qualifying entries)
Current or Credit Card Reward level 1 or above 2 Free visits* FREE R150 per person R150 per person

*Only 2 FREE guests per visit per day

Additional Private Clients rules

FNB Private Wealth Current Account and Credit Card

Day access qualifying fees and criteria

Qualifying cards Qualifying cardholder criteria Qualifying entries per calendar month Fee per visit when qualifying criteria are met Fee per visit when qualifying criteria are NOT met Fee per additional entry (over and above the qualifying entries)
Current or Credit Card Reward level 1 No free visits R150 per person R150 per person R150 per person
Current or Credit Card Reward level 2 to 5 4 Free visits* FREE R150 per person R150 per person

*Only 2 FREE guests per visit per day

Additional Private Wealth rules

FNB Business Platinum Current Account and Credit Card

Day access qualifying fees and criteria

Qualifying cards Qualifying criteria Qualifying entries per calendar month Fee per visit when qualifying criteria are met Fee per visit when qualifying criteria are NOT met Fee per additional entry (over and above the qualifying entries)
Current Card Active Business Platinum Current account in good standing* with total deposits of at least R16 500 in the preceding calendar month 2 Free visits** FREE R150 per person R150 per person
Credit Card Active Business Platinum Credit Card in good standing* 2 Free visits** FREE R150 per person R150 per person

*Good standing: This means that none of your FNB or FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our terms and conditions.

**Only 2 FREE guests per visit per day.

Additional Business Platinum rules

FNB Business Black Current Account and Credit Card

Day access qualifying fees and criteria

Qualifying cards Qualifying criteria Qualifying entries per calendar month Fee per visit when qualifying criteria are met Fee per visit when qualifying criteria are NOT met Fee per additional entry (over and above the qualifying entries)
Current Card*** Active Business Black Current card in good standing* with total deposits of at least R33 000 in the preceding calendar month 4 Free visits** FREE R150 per person R150 per person
Credit Card Active Business Black Credit Card in good standing* 4 Free visits** FREE R150 per person R150 per person

*Good standing: This means that none of your FNB or FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our terms and conditions.

**Only 2 FREE guests per visit per day.

***Access will be granted to specific Business Black Current cards only

First 7 digits Card Image
4910507
4910508

Additional Business Black rules

SLOW in the City Membership

SLOWmembership / Ten

For a monthly fee of R770, qualifying FNB cardholders can apply for a 10 day SLOW in the City membership.

Membership access qualifying fees and criteria

Qualifying cards Cardholder qualifying criteria Qualifying entries per calendar month Fee per qdditional entry (over and above the qualifying entries
FNB Platinum Current and Credit card

SLOWmembership / Twenty

For a monthly fee of R2200, qualifying FNB cardholders can apply for a full month SLOW in the City membership.

Membership access qualifying fees and criteria

Qualifying cards Cardholder qualifying criteria Qualifying entries per calendar month Fee per qdditional entry (over and above the qualifying entries
FNB Platinum Current and Credit card

*Good standing: This means that none of your FNB or FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, nor should the account holder be undergoing sequestration, or be subject to any legal process with FNB or FirstRand Bank as defined in our terms and conditions.

**Only 5 FREE guests per visit per day

*** With SLOWmembership Twenty you receive access to SLOW in the City for the full month

Membership package also includes:

SLOW in the City is a cash-less facility

Meeting and conference rooms are charged for and must be booked unless otherwise stated.