FNB Aspire Credit Card (Previously Gold)
Get flexible credit, meaningful rewards, and built-in protection. The FNB Aspire Credit Card helps you spend smarter with up to 55 days interest-free, eBucks on everyday purchases, and useful travel and lifestyle benefits — all in one low monthly fee.
Tip: A budget calculator can help you manage your monthly budget and credit use.
Why choose FNB Aspire?
This card offers a strong mix of rewards, protection, and convenience for value-seeking cardholders:
- eBucks rewards that pay you back: Earn on everyday spend at partners like Pick n Pay, Clicks and Engen, with caps and rules that keep rewards meaningful.
- Up to 55 days interest-free: Manage cash flow by paying your full statement balance on time.
- Travel + lifestyle perks: Unlock up to 2 SLOW Lounge visits per year when you book flights with eBucks Travel using your Aspire Credit Card.
- Enhanced security: Virtual Card with dynamic CVV, Online Secure for safe online shopping, inContact alerts, and Automatic Debt Protection at no extra cost.
- Free swipes + digital convenience: Unlimited card swipes and full control in the FNB App (block/unblock, change PIN, manage limits, report fraud).
FNB Aspire Credit Card features and fees
| Minimum income | R60,000 – R450,000 per year (Aspire tier) |
|---|---|
| Interest-free period | Up to 55 days on straight purchases (pay full statement by due date) |
| Interest rate | Personalised (set per customer; shown on your statement) |
| Monthly card account fee | R59 p.m. (Aspire Credit Card) — separate credit-facility service fee may apply |
| Card purchases | Free swipes (local & international; standard FX conversion fees may apply) |
| Rewards | Earn eBucks on everyday spend (fuel at Engen, groceries, health & beauty, travel partners) subject to caps and qualifying rules |
| Travel benefits | Unlock up to 2 SLOW Lounge visits p.a. via qualifying eBucks Travel bookings on the FNB App |
| Security & protection | Virtual Card (dynamic CVV), Online Secure, inContact, Automatic Debt Protection |
Notes: Fees and partner rewards are subject to FNB’s pricing guide and eBucks earn rules. T&Cs apply.
More ways Aspire works for you
- Fuel & groceries value: Earn back on Engen fuel and at selected grocery & retail partners when you meet eBucks criteria.
- Purchase Protect: Covered for eligible items bought on your FNB Aspire Virtual Credit Card for a limited period after purchase.
- Budget facility: Convert larger purchases to a budget plan (6–60 months) at a fixed rate linked to prime, subject to approval.
- Device & lifestyle offers: Access periodic vouchers and partner deals via the FNB App and eBucks.
How to apply for the FNB Aspire Credit Card
- Visit the FNB website.
- Complete the application: Provide your personal and financial details as prompted.
- Submit required documents: South African ID/passport, proof of income and residence.
- Get approved and activate: Once approved, your card will be issued and ready to use in-app and in-store.
