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What Is the FNB Premier Credit Card?
The FNB Premier Credit Card is a mid-tier premium credit card available to South Africans earning between R300,000 and R749,999 per year. It combines a competitive credit facility with a rich rewards programme and lifestyle perks, including airport lounge access, flight discounts, and complimentary travel insurance.
Whether you're looking to earn more on your everyday spending, manage your cash flow with up to 55 interest-free days, or access exclusive partner deals on devices and appliances, the FNB Premier Credit Card positions itself as more than just a payment tool.
How Does the FNB Premier Credit Card Work?
Once approved, your FNB Premier Credit Card gives you access to a revolving credit facility that you can use in-store, online, at ATMs, or abroad. Your interest rate is personalised based on your credit profile and appears on your monthly statement.
You earn eBucks on qualifying purchases, which can be redeemed at partner retailers or used to pay for flights, fuel, and more. The card also comes with a budget facility that allows you to pay off larger purchases over time at a preferential interest rate of prime or prime + 2% at selected partners like iStore, KOODOO, The Pro Shop, and Cycle Lab.
You can manage your card, set limits, freeze or cancel your card, and create a virtual card, all via the FNB app.
What Are the Benefits of the FNB Premier Credit Card?
The FNB Premier Credit Card rewards active spenders with a range of lifestyle and financial benefits that are designed to offset the monthly account fee.
Standout benefits include up to 8 complimentary SLOW Airport Lounge visits per year, up to 80% off selected domestic flights via eBucks Travel, and complimentary Global Travel Insurance when you purchase your return travel ticket with your FNB card or eBucks.
You also get automatic debt protection of R10,000 at no charge in the event of death or permanent disability and FNB Purchase Protect on items bought with your FNB Virtual Card, up to R10,000, at no extra cost.
Keep in mind that the monthly account fee is R250 per month, a significant increase from the previous R87 under the 2025/2026 pricing update. To make this card work for you financially, you'll want to actively use the rewards and travel benefits it offers.
Is the FNB Premier Credit Card Interest tax-deductible?
No. Interest charged on a credit card is not tax deductible for personal use. However, if you use your FNB Premier Credit Card for legitimate business expenses, you may be able to claim those costs depending on your tax situation; consult a tax professional for advice specific to your circumstances.
If you earn eBucks through your card spending, these rewards are generally not taxable in South Africa, as they are considered a discount or rebate rather than income.
Features
Earn eBucks on all qualifying purchases and spend them at Takealot, Pick n Pay, Engen, Clicks, and hundreds of partner stores
Up to 8 complimentary SLOW Airport Lounge visits per year
Up to 80% off selected domestic flights via eBucks Travel on the FNB App (discount applies to full ticket price including taxes and surcharges)
Complimentary Global Travel Insurance at no charge , activate at tic.co.za/fnb before departure
Automatic Debt Protection of R10,000 for death or permanent disability at no charge, with an option to increase cover
FNB Virtual Card with a regularly changing CVV for safer online payments, and up to R10,000 Purchase Protect at no extra cost
Budget facility at prime or prime + 2% at iStore, KOODOO.co.za, The Pro Shop, and Cycle Lab
Pay medical expenses at the prime interest rate
1 additional card at no extra cost
Pay with Apple Pay, Google Pay, Samsung Pay, Garmin Pay, SwatchPAY!, Scan to Pay, and FNB Pay
24/7 access to a dedicated team of Premier Bankers
Manage your card, set limits, and block or freeze via the FNB App
FNB Premier Credit Card Fees and Charges
The table below sets out the key fees for the FNB Premier Credit Card for 2025/2026:
Fee Type | Amount |
Required annual income | R300,000 – R749,999 |
Monthly account fee | R250 per month |
Initiation fee | Up to R199 (once-off) |
Interest-free period | Up to 55 days on purchases |
Additional card | Free (1 card included) |
Card swipes / transactions | Free |
Online banking / FNB App | Free |
Balance enquiry (own ATM) | Free |
Lost card protection | Free |
Automatic Debt Protection | R10,000 at no charge |
Purchase Protect (Virtual Card) | Up to R10,000 at no extra cost |
Global Travel Insurance | Free (ticket must be bought with FNB card or eBucks) |
SLOW Airport Lounge visits | Up to 8 per year at no charge |
Budget facility interest rate | Prime or prime + 2% (at qualifying partners) |
Medical expense repayments | At prime interest rate |
Important: The monthly account fee increased to R250 per month effective 1 July 2025. For a full schedule of ATM cash withdrawal, branch, and transfer fees, download the official FNB Premier pricing guide from fnb.co.za.
Fee waiver: If you are on an FNB Fusion Premier account, the separate credit card fee does not apply, your cheque and credit facility are bundled into a single monthly account fee.
FAQ
Who is the FNB Premier Credit Card best suited for?
This card suits South Africans earning between R300,000 and R749,999 per year who want to earn rewards on everyday spending and access premium travel benefits. It delivers the most value for those who fly regularly, shop at eBucks partners, and will actively use perks like the SLOW Lounge and flight discounts to offset the R250 monthly fee.
How do I earn and use eBucks with the FNB Premier Credit Card?
You earn eBucks every time you swipe or tap your card at qualifying partner stores, including Takealot, Pick n Pay, Engen, and Clicks. Your earn rate is determined by your eBucks reward level, which is based on how broadly you bank with FNB. Once earned, eBucks can be used to pay for flights, fuel, shopping, and more. Visit ebucks.com for the full earn structure and reward tiers.
How does the FNB Premier Credit Card travel insurance work?
The card includes complimentary Global Travel Insurance at no charge. To qualify, you must purchase your return travel ticket(s) using a qualifying FNB Debit, Fusion, or Credit Card, or with eBucks. You must activate your cover before departure at tic.co.za/fnb and carry your policy number while travelling. Coverage is available to cardholders under the age of 75 who are residents of South Africa, Lesotho, Namibia, or eSwatini. Contact the Global Travel Insurance helpdesk on 086 149 0100 for more information.
What is the FNB Virtual Card and how does Purchase Protect work?
The FNB Virtual Card is a digital version of your credit card that you create directly in the FNB App. Its CVV number changes regularly, reducing the risk of card fraud. You can create, cancel, or temporarily block the virtual card at any time. It supports Apple Pay, Google Pay, Samsung Pay, Garmin Pay, SwatchPAY!, Scan to Pay, and FNB Pay. FNB Purchase Protect provides instant insurance of up to R10,000 for items purchased with your virtual card, at no extra cost.
What is the difference between the FNB Premier Credit Card and FNB Fusion Premier?
The FNB Premier Credit Card is a standalone credit card that is held alongside your existing FNB transactional account. The FNB Fusion Premier combines a cheque account and a credit facility into a single product, charged at one monthly account fee of R250 , meaning there is no separate credit card fee on top. Both products offer the same core Premier benefits, including eBucks rewards, SLOW Lounge access, and travel insurance. Speak to your FNB Premier Banker to determine which option suits your banking needs.
What happens if my income changes and I no longer qualify?
If your income changes and you no longer fall within the R300,000 – R749,999 per year bracket, FNB may move your account to a more appropriate product tier. Contact FNB directly on 087 575 9404 or visit your nearest branch to discuss your options. Your eBucks rewards balance will typically be retained.
Fees and interest rates are subject to change. Information accurate as at 2025/2026. Visit fnb.co.za or download the official FNB Premier pricing guide for the latest fees. JustMoney.co.za is powered by NCRCB29.