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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 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 + 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

  1. Visit the FNB website.

  2. Complete the application: Provide your personal and financial details as prompted.

  3. Submit required documents: South African ID/passport, proof of income and residence.

  4. Get approved and activate: Once approved, your card will be issued and ready to use in-app and in-store.

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