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FNB Aspire Credit Card (Previously Gold Credit Card)

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.

10 September 2025

Learn more about the FNB Aspire credit card

With strong rewards, travel perks, modern security, and flexible credit, the FNB Aspire Credit Card (previously Gold Credit Card) is built for smarter everyday spending.

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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 and lifestyle perks: unlock up to two 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 and 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 (when you pay the full statement by the due date).
Interest rate Personalised (set per customer; your rate is shown on your statement).
Monthly card account fee R59 per month (Aspire credit card) – a separate credit-facility service fee may apply.
Card purchases Free swipes (local and international; standard foreign-exchange conversion fees may apply).
Rewards Earn eBucks on everyday spend (fuel at Engen, groceries, health and beauty, travel partners), subject to caps and qualifying rules.
Travel benefits Unlock up to two SLOW Lounge visits per year via qualifying eBucks Travel bookings on the FNB app.
Security and protection Virtual card (dynamic CVV), Online Secure, inContact alerts and Automatic Debt Protection.

Note: fees and partner rewards are subject to FNB’s pricing guide and eBucks earn rules. Terms and conditions apply.

More ways Aspire works for you

  • Fuel and groceries value: earn back on Engen fuel and at selected grocery and retail partners when you meet eBucks criteria.

  • Purchase protection: selected eligible items bought on your FNB Aspire virtual credit card are covered 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 and lifestyle offers: Access to periodic vouchers and partner deals via the FNB app and eBucks.

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