| Minimum Income | R 6 700 |
| Interest Rate | Income dependent |
| Max Credit Interest | 2 % |
| Interest Free Period (Days) | 55 |
| Monthly Card Fee | R 33.00 + R 150 once off initiation fee |
| Transaction Fee | Free |
| Cash Withdrawal Fee - ATM | R 6.70 (at FNB ATM per R 500) |
| Cash Withdrawal Fee - Other Bank ATM | R 11.00 + 1 % |
| Cash Withdrawal Fee - Bank Branch | R 43.00 + 1.61% of amount |
| Cash Fee* - Own Bank ATM | R 6.70 (at FNB ATM per R 500) |
| Cash Fee* - Other Bank ATM | R 11.00 + 1 % |
| Account Payment - Own Bank ATM | N/a |
| Transfer Fee - ATM | N/a |
| Transfer Fee - Bank Branch | N/a |
| Cash Withdrawal Fee - Overseas | R 35.00 + 1.61% of transaction value |
| Cash Deposit Fee - Own Bank ATM | R 7.50 + 1.2% of amount |
| Balance Enquiry - Own Bank ATM | Free |
| Garage Card Fee | N/a |
| Garage Transaction Fee | N/a |
| Internet Banking Fee | Free |
| Second Card Fee | R 12.50 pm |
| Replacement Card Fee | R 230 |
| Travel Insurance | Free global travel insurance |
| Card Protection | Free lost card protection |
| Benefits | Kulula air miles programme, Kulula Moolah cash back scheme, up to 3% cashback depending on monthly spend. Personalised interest rates vary, rate given on application. |
