FNB Gold Credit Card Features & Benefits

FNB Gold Credit Card Features

The FNB Gold Credit Card is a financial product offered by First National Bank (FNB), a prominent banking institution. This type of credit card is designed to provide various benefits and features to its users. It’s important to note that specific details and offerings may vary based on the current terms and conditions as of your inquiry date.

This credit card offers enhanced credit limits with inclusive global travel insurance and in-built automatic loan protection. With a cost-free budgeting facility ranging from 6 to 60 months for convenient payments, enjoy products and services seamlessly across local, international, and online platforms. This offer is available to individuals with an annual income of R84,000.00.

What is the FNB Gold credit card?

Fnb Gold card is a financial product offered by First National Bank (FNB), a banking institution in various countries including South Africa. Gold card is designed to offer customers a wide range of benefits and features that suit their lifestyle and financial needs.

Key features of the FNB Gold Credit Card typically include:

  • The card often comes with rewards programs that allow cardholders to earn points or cashback for their spending. This cardholder gets benefits like fuel, prepaid airtime, prepaid electricity, and free Comprehensive FNB Global Travel Insurance if you buy tickets using your Business Credit, Gold, and Platinum cards.
  • Higher Credit Limits and a personalized credit limit of between R10 000 and R60 000.
  • FNB typically offers Internet banking platforms and mobile apps that allow cardholders to manage their accounts, track their spending, and make payments conveniently.
  • Advanced security features such as chip technology and one-time passwords help protect against fraudulent transactions.
  • FNB generally provides customer support services to assist cardholders with any inquiries, issues, or concerns related to their credit card account.

FNB Gold credit card fees 2024

Credit facility service feeR17
Initiation fee (once-off)Up to a maximum of R175
Credit Card monthly account feeR52
Additional card feeR17.50
Linked FNB Petro Card (per card linked to account)R21
FNB Credit Card purchasesFree
FNB Credit Card budget purchasesFree
Fuel transaction fee (FNB Petro Cards only)R5.75
FNB ATMR2 per R100
Other banks’ ATMs and mini ATMsR10.00 + FNB ATM Fee
FNB mini ATMR2 per R100
Cash on budgetR80 + R2.85 per R100
International (ATM and branch)R80 + R2.50 per R100
Cash@TillFree
FNB ATM with Automated Deposit Terminal (ADT)R1.10 per R100
FNB Branch and FNB ATM with envelope depositsR80 + R2.50 per R100
IVR Smart Transfer to FNBFree
Linked account transfersFree
Third-party paymentsR9.00
Telephone bankingR80
Transfers and payments at FNB BranchR80
Declined transaction feeR9.50
Courier deliveryFree
Urgent deliveryR250
Branch deliveryFree
International card deliveryR700
Credit card monthly rewards feeFree
Card replacement feeOne free replacement
per year, thereafter
R120 per card

What are the requirements for Fnb Gold credit card approval?

The FNB Gold Credit Card is linked to eBucks, allowing cardholders to accumulate cashback in the form of eBucks rewards. We are presenting below the list of eBucks rewards available for credit card holders.

  • Must earn a minimum income of R 84 000.00 per annum
  • Have a good credit score above 660.
  • Must be 18 years or older.
  • Provide a recent copy of the payslip.
  • Need to be a South African citizen
  • 3 months bank statement.
  • Your income and employment details

Benefits of the Gold Credit Card

  • Earn 2.5% cashback on your qualifying swipes and up to 15% back on your fuel, prepaid airtime, prepaid electricity, and Checkers & Shoprite spend.
  • A revolving facility allows a minimum monthly repayment of 10% of the outstanding balance, plus interest and fees.
  • A budget facility allows you to purchase goods of at least R200 and repay over 3-24 months.
  • No transaction fees on purchases (excluding fuel and cash withdrawals)
  • Access to 24/7 helpline for fraud and lost cards 087 575 9406, 087 575 1188.
  • Reduce the possibility of fraudulent activity with Chip & PIN technology, inContact Pro, and Online Secure for online purchases.
  • Free Comprehensive Global Travel Insurance if you buy tickets using your Business Credit, Gold, Platinum, and Lodge cards.
  • Budget Facilities and Revolving Credit Facilities.
  • Up to 30 days interest-free on card purchases.

How to Apply Online

  1. First of all, visit the official website and tap on the “Apply Now” button.
  2. Fill in the application form online; be honest with your application because they will check.
  3. Submit the application.
  4. FNB has a credit card calculator online where you can work out your monthly installments on all expensive purchases. This will help you budget your money properly.
  5. Wait a couple of days to see if the application was successful.
  6. If it is successful, you will receive your card within 7 working days.

Frequently asked questions

What is the Fnb Gold credit card interest rate?

Obtain a steady 14.5% – 21.5% interest rate *You must purchase your new device through the straight facility on your credit card.

How does FNB Gold Card work?

FNB decides on your credit limit based on your income. This is unique as some of the other banks tend to give you a credit limit and that is that. You can upgrade your credit limit when you are earning more money.

What are the benefits of an FNB Gold account?

Enjoy unlimited day-to-day banking, join eBucks rewards for free, borrow money for those emergencies, and save towards your dream at R110 p.m.

Editorial Note: The information provided in this article is generic and for informational purposes only. It is not a substitute for specific advice in your circumstances. You are recommended to obtain specific professional advice before you take any/refrain from any action.

Author

Hello friends, my name is RK Singh, and I am an engineer. But by profession, I am a blogger. My main goal in starting this blog is to solve the difficulties people face in using online banking, bank branch codes, debit cards, and credit cards. I am not affiliated with any bank or company. I try my best to give the correct information to the people so that they can achieve their goals in the right way.

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