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FNB Private Clients Credit Card review: all-inclusive value and features

If you are an exclusive client that wants to access top-tier services, then you should take a minute to read this FNB Private Clients Credit Card review.

FNB Private Clients Credit Card: exclusive benefits with personalized rates

See what this credit card has to offer you. Source: The Mister Finance.
See what this credit card has to offer you. Source: The Mister Finance.

As you probably imagine, this FNB Private Clients Credit Card review is suitable for those who want to access one of the highest levels of financial services.

FNB Private Clients Credit Card

How to apply for the FNB Private Clients Card

Learn how easy it is to apply for an FNB Private Clients Credit Card and start earning rewards while enjoying spectacular banking features.

To sum up, this card is offered by the First National Bank and features competitive and personalized rates with up to 55 days of free interest on purchases.

RequirementsAnnual income from R750 000 to R1 799 999;
Valid SA ID book or passport with valid work or retirement permit;
At least 18 years old;
Good credit score;
Proof of residence;
Recent payslips or bank statements (three months) 
Initiation FeeR175.00 (maximum – one-time fee)
Monthly FeeR150.00 
FeesCredit facility service fee: R17.16;
Linked Petro Card (per card linked to account): R29.50;
Card replacement: R125 (after add 5 cards);
Card purchases: Free;
Balance enquiries: Free;
Mini statement or historic statement: Free;
FNB Instant Payments: Free;
Payments and transfers (FNB App, online banking, cellphone banking): Free;
Debit orders: Free;
Send Money: Free;
International currency commission and conversion fee: 2%
RewardseBucks Rewards (get rewarded when purchase at selected stores)

Now, learn the details about this credit card and if it is really worthwhile.

How does the FNB Private Clients Credit Card work?

Whether you seek access to fantastic banking features or want to feel peace of mind while traveling abroad, this Private Clients Credit Card might be a great tool.

Although some fees apply, the advantages are worth enough to consider applying.

Firstly, it waves the monthly account fee if you bundle with Fusion, Single Facility, or Current Account.

Secondly, it offers competitive rates along with up to 55 days of free interest on purchases.

Other benefits are included as follows:

  • FNB Global Travel Insurance and debt protection of up to R12 000 plus purchase protection of up to R12 500 (conditions apply);
  • Unlimited virtual cards;
  • Budget facility with flexible repayment plan from six to 60 months;
  • Exclusive offers on The Pro Shop, iStore, Cycle Lab, and KOODOO.co.za;
  • SLOW Lounges access;
  • Private advisor;
  • FNB app.

Thirdly, you can access rewards through the eBucks Rewards program, in which you get rewarded when purchasing at eligible stores.

Certainly an amazing card. However, you must know that it comes with an R150 fee per month, among other costs.

Also, it is a card for a specific public that earns from R750 000 to R1 799 999 as annual income.

FNB Private Clients Credit Card benefits

A credit card with insurance and rewards for you and your family. Source: Canva.
A credit card with insurance and rewards for you and your family. Source: Canva.

As shown on this FNB Private Clients Credit Card review, this card is an excellent tool when you seek comprehensive protection, whether in South Africa or outside of it, along with rewards and competitive rates.

However, this Visa is not for all!

Pros

  • It offers rewards, purchase and debt protection, and travel insurance;
  • It provides you with a private advisor and a fantastic app;
  • It features unlimited virtual cards and a budget facility with a flexible repayment plan;
  • You can access SLOW lounges when traveling.

Cons

  • It requires at least an annual income of R750 000.

Pre-approved credit cards for low credit score available now

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How good does your credit score need to be?

Undoubtedly, a card at this level requires good creditworthiness. Moreover, it requires an annual income that ranges from R750 000 to R1 799 999 with other eligibility criteria you can check on the following post!

How to apply for the FNB Private Clients Credit Card?

Then, if you are interested in getting a valuable credit tool, learn how to apply for an FNB Private Clients Credit Card.

FNB Private Clients Credit Card

How to apply for the FNB Private Clients Card

Learn how easy it is to apply for an FNB Private Clients Credit Card and start earning rewards while enjoying spectacular banking features.

About the author  /  Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by  /  Aline Barbosa

Senior Editor

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