FNB Credit Card
Get a prime-linked interest rate on selected purchases, flexible budget facility, trade-in options, and a secure process for online transactions.
The FNB Credit Card offer brings attractive benefits for shoppers looking to optimise their spending. Featuring a preferential interest rate at prime on selected purchases, cardholders can shop at outlets like iStore, The Pro Shop, Cycle Lab, and KOODOO.co.za and benefit from monthly budget arrangements.
Credit limits are subject to approval during the application’s financial assessment. The credit card amount is charged upfront, but the total shifts to a budget facility, letting you pay reduced instalments at the prime-linked rate. There are added perks, like optional trade-ins after 12 to 24 months for specific partners.
Step-By-Step Application Guide
Applying for the FNB Credit Card is straightforward:
- Visit FNB’s official website and select the credit card application section.
- Complete the online application form with your financial and personal details.
- Submit supporting documents as required.
- Wait for credit assessment and approval from FNB.
- Once approved, accept the terms and activate your card via the FNB App.
Principaux avantages
The FNB Credit Card stands out for shoppers who value a prime-linked interest rate, making big-ticket purchases more affordable over time. Flexible payment through the budget facility helps manage monthly finances.
Cardholders also enjoy added security with the Online Secure system, including a One Time PIN for online shopping, and the option to trade in eligible products and get value back.
Pitfalls to Consider
Despite the attractive prime-linked deals, the card’s lowest rates are only available at select retailers. Purchases outside these partners may incur higher fees.
Additionally, credit approval depends on your financial situation and is not guaranteed. The upfront charge prior to budget facility transfer may disrupt spending plans for some.
Final Thoughts
Overall, the FNB Credit Card offers valuable promotions, security, and budget flexibility. If you shop at partner stores and manage your payments responsibly, it’s an appealing option.
