FNB Private Wealth Credit Card Features & Benefits

FNB Private Wealth credit card

The FNB Private Wealth Credit Card provides comprehensive mastery in the oversight, expansion, and safeguarding of your wealth, encompassing every facet of your financial voyage. It melds ingenuity and proficiency with an individualized approach to foster enduring connections with customers throughout their lifetime and more.

This card is a financial product offered by First National Bank (FNB) that caters to individuals with higher income levels and more complex financial needs. This credit card is designed to provide exclusive benefits and services to meet the requirements of affluent customers. Let’s take a look at the key features and benefits of this credit card that set it apart from the competition.

What is the FNB Private Wealth credit card?

First National Bank (FNB), a banking institution operating across multiple countries including South Africa, presents this credit card as a financial product. It is specifically tailored to provide customers with an array of benefits and features aligning with their individual lifestyles and financial requirements. It’s more than just a credit card; it’s a gateway to a world of privileges and opportunities. With its tailored features, it provides a seamless and personalized banking experience.

Key features of the FNB Private Wealth 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 airport lounge access, getting up to 40% off your bus ticket when you book with eBucks Travel and discounts on airfare or hotel bookings.
  • The credit limit on the card determines the maximum amount the cardholder can borrow. This limit is set based on the applicant’s financial profile and credit history. The Private Wealth credit card has a maximum debt protection limit of R228,000 and a swipe limit of R90,000.
  • 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.
  • 55 days interest-free rate.

FNB Private Wealth credit card fees 2023

FNB Private Wealth credit card
FeeAmount
Credit facility Service FeeR17*
Initiation fee (once-off)Up to a maximum of R175
FNB Private Wealth Credit Card monthly account feeR278
Additional card feeFirst 5 cards at no charge, thereafter R18.50 per card, per month
eBucks rewards membershipNo charge
New Metal Credit cardR1 050
Replacement Metal Credit card (lost/stolen or damaged)R1 050
Reissue Metal Credit cardR1 050
Fraud Replacement Metal Credit card – 1 No fee card at no charge per pricing cycle, thereafter R1050 per cardR1 050 per card
Interactive Voice Response (IVR) smart transfer to FNBNo charge
International card purchase fee2% of transaction value
(max 100)
Balance EnquiryNo Charge
Changes to account limitsNo charge
Card replacement feeR150 per card
Urgent deliveryR265
International deliveryR760
Scheduled deliveryNo charge

What are the requirements for Fnb Private Wealth credit card approval?

The FNB Private Wealth 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 between R1800000 to more per annum.
  • Have a good credit score above 750.
  • Must be 18 years or older.
  • Provide a recent copy of the payslip.
  • 3 months bank statement.
  • Your income and employment details
  • Have a South African ID

eBucks rewards for the FNB Private Wealth credit card

  • Up to 40% back in eBucks on your FNB Life Insurance premiums every month.
  • Get up to 40%* off selected flights for you and your family with eBucks Travel.
    Unlock an Avis Car Hire discount of up to 40% off when you book flights on the FNB Banking App.
  • Get up to 40% off your bus ticket when you book with eBucks Travel. Safe & hassle-free bus ticket booking on the FNB App with QuickBus.
  • When your family banks with FNB and loads your virtual card for Netflix payment, you can earn a remarkable 40% cashback on your monthly subscription.
  • You can earn points if spend 0 – 6499 (0.50%), 65000 to 11499 (0.90%), 11500 – 13999 (1.3%), 14000 to 16999 (1.8%), and 17000 + (3%).

Advantages of the Credit Card

  • Free monthly subscription to FNB electronic channels and mobile channels
  • Free inContact subscription; messaging that alerts you to activity in your account
  • Free emailed monthly statements
  • Hassle-free debit order and salary switching
  • Cash@Till™ no charge for withdrawing cash at till points at selected retailers
  • Exclusive FNB Private Wealth Black Card with enhanced in-store security
  • No transactional fees when you swipe your Exclusive FNB Private Wealth Black Card locally or internationally
  • Free card delivery and replacement
  • No annual card fees
  • Safer online shopping with Online Secure (requires a One Time PIN)
  • Flexible pricing options to suit your transactional behaviour

Credit card benefits

  1. Access to unlimited virtual cards at no extra cost – ideal for online shopping with added safety because its dynamic 3-digit CVV changes regularly.
  2. For a safe, secure, and convenient alternative to in-store payments that don’t require cash or a physical card, you can use Tap to Pay and Scan to Pay. These options are available on partner wallets such as Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, and SwatchPAY!
  3. Earn rewards on fuel
  4. eBucks Travel
  5. Purchase Protect
  6. Death Protect cover
  7. eBucks rewards
  8. Earn Up to 40% back in eBucks on your Video Streaming (Netflix) and Music Streaming (Spotify®) subscriptions when you and your family bank with FNB.
  9. Exclusive FNB Metal card that is resilient, durable and comes enabled with tap functionality.

Frequently asked questions

Who qualifies for FNB Private Wealth card?

With an annual income of R1.8m or a Net Asset Value of R15m with our FNB Fusion Private Wealth Account, your spouse or partner qualifies for the same account as you regardless of their income.

What are the benefits of a Private Wealth card?

Personalised rate with up to 55 Days Interest-Free period.
Extensive airport lounge access for you and your guests.
Unbeatable rewards and Exclusive complimentary benefits.

How do I access the lounge with my FNB private wealth card?

Simply generate a QR code on the FNB App and scan it at the lounge entrance or swipe your qualifying FNB Private Wealth Card.

Editorial Note: The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own 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 code, debit card, and credit card. 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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