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FNB Private Clients Credit Card

The FNB Private Clients Credit Card is an exclusive premium credit card designed for high-income earners (R750,000 to R1,799,999 annually) who want access to personalised banking services, extensive rewards, and lifestyle benefits. With a dedicated private banker, comprehensive global travel insurance, airport lounge access, and enhanced eBucks earning potential, this card delivers exceptional value for affluent South Africans.

29 January 2026

At JustMoney, we help you compare premium credit cards to find the best fit for your lifestyle and financial needs. This comprehensive guide covers everything you need to know about the FNB Private Clients Credit Card.

Card features and requirements

Minimum annual income R750,000 to R1,799,999 per year
Monthly account fee R143 (waived with FNB Fusion Private Clients Account)
Credit facility fee R171 per month
Initiation fee R175 (once-off)
Additional cards First 3 free, then R18.50 per card per month
Interest-free period Up to 55 days on purchases
Interest rate Personalised (based on your credit profile)
Credit limit R75,000 to R300,000 (based on income and credit history)
Age requirement 18 years and older

Why choose the FNB Private Clients Credit Card?

The FNB Private Clients Credit Card is more than just a payment tool, it's a comprehensive banking solution with exclusive benefits designed for high-net-worth individuals. This card is ideal for those who want premium banking services combined with exceptional rewards and lifestyle perks.

At JustMoney, we understand that choosing the right credit card is crucial for maximising your spending power and rewards potential.

Key benefits

  • Dedicated private banker: 24/7 access to your personal banking team
  • No card fees with Fusion: Bundle with FNB Fusion to waive monthly account and facility fees
  • Enhanced eBucks rewards: Earn up to 50% back at selected retailers
  • SLOW lounge access: Up to 20 complimentary airport lounge visits annually
  • Global travel insurance: Comprehensive coverage up to R10 million
  • Purchase protection: Up to R12,500 per claim
  • Unlimited virtual cards: Enhanced security for online shopping
  • Budget facility: Flexible repayment terms (6–60 months) on large purchases

Fees and charges

Monthly fees

Monthly account fee (Standard) R143
Credit facility fee (Standard) R171
Total monthly cost (Standard) R314
Monthly account fee (With FNB Fusion) FREE
Credit facility fee (With FNB Fusion) FREE
Total monthly cost (With FNB Fusion) FREE (included in Fusion fee)
Initiation fee R175 (once-off)

Money-saving tip: Bundle your Private Clients Credit Card with the FNB Fusion Private Clients or Single Facility® Account to eliminate both the monthly account fee and facility fee, saving R3,768 annually.

Transaction fees

Card purchases (Swipe/Tap) FREE
Cash withdrawal - FNB ATM R1.90 per R100
Cash withdrawal - Branch R60 + R2.10 per R100
Cash withdrawal - Other bank ATM R2.50 per R100
Balance enquiry - FNB ATM FREE
Cash deposit - FNB ATM R0.95 per R100
Third-party payments R8.20
Linked account transfers R4.20
Branch transfers R70
International transaction fee 2.5% currency conversion

Additional card fees

  • First 3 additional cards: FREE
  • Additional cards (4th onwards): R18.50 per card per month
  • Card replacement: FREE
  • Lost card protection: Included

eBucks rewards program

The FNB Private Clients Credit Card offers exceptional earning potential through the eBucks Rewards program. The more you spend, the more you earn—and eBucks can be redeemed for travel, shopping, fuel, and more.

How to earn eBucks

Smart Spend (Virtual Card) Up to eB1,500 monthly
Checkers and Shoprite Up to 15% back in eBucks
Clicks Up to 15% back in eBucks
SPAR Up to 15% back in eBucks
iStore Up to 15% back in eBucks
ARC Up to 30% back in eBucks
Takealot Up to 50% back in eBucks
Engen fuel Up to 10% back in eBucks
FNB Life Insurance premiums Up to 40% back in eBucks
FOREX fees Up to 50–100% back in eBucks
Prepaid electricity and airtime Up to 15% back in eBucks
Kauai Up to R120 monthly (when 100% spend on card)

Bonus: Earn up to 60% back in eBucks on device repayments through the budget facility.

How to redeem eBucks

  • eBucks Travel: Book flights, accommodation, car hire, and bus tickets
  • Shopping: Use at Pick n Pay, Woolworths, Makro, and hundreds more retailers
  • Fuel: Redeem at Engen service stations
  • Movie tickets: Ster-Kinekor and Nu Metro
  • Entertainment: Streaming services, gaming vouchers
  • Financial products: Apply eBucks toward savings, investments, or loan payments

Travel benefits

Airport lounge access

  • SLOW lounges: Up to 20 complimentary visits annually
  • Bonus visits: Additional visits when booking through eBucks Travel
  • Locations: Available at major South African airports
  • Guests: Bring a guest with your complimentary access

Global travel insurance

Comprehensive coverage when you purchase return travel tickets with your card:

Travel insurance Up to R10 million
Coverage period First 90 days of trip
Travel companions Up to 8 people covered
Medical expenses abroad Included
Lost luggage Included
Trip cancellation Included

Requirement: Simply purchase your return travel tickets using your FNB Private Clients Credit Card to activate coverage.

Travel discounts (eBucks Travel)

Book through eBucks Travel to access:

  • Flights: 10–75% discounts (based on eBucks level)
  • Accommodation: Exclusive hotel rates
  • Car hire: Discounted rental rates
  • Priority Fast Track: Skip airport queues

Purchase protection and insurance

Automatic coverage (no extra cost):

Automatic debt protection Up to R12,000 (covers death or permanent disability)
Purchase protection Up to R12,500 per claim (Virtual Card purchases covered for 30 days)
Lost card protection Included (zero liability for unauthorised transactions)

Budget facility

The budget facility allows you to convert large purchases into manageable monthly payments at competitive rates.

Features

  • Repayment terms: 6 to 60 months
  • Interest rates: Prime, or Prime +2% for medical expenses
  • Qualifying purchases: Items over R200
  • Device purchases: Up to 60% back in eBucks on device premiums
  • Available devices: iPhones, iPads, Samsung, PlayStation, appliances

How it works

  1. Make a purchase over R200 on your credit card
  2. Request to transfer it to the budget facility
  3. Choose your repayment term (6–60 months)
  4. Pay a fixed monthly amount at a competitive interest rate
  5. Earn eBucks on device repayments (up to 60% back)

Medical expenses: Budget unexpected medical bills at Prime or Prime +2% interest rate.

Virtual card benefits

The FNB Virtual Card on the FNB App provides enhanced security for online and in-store purchases.

  • Dynamic CVV: Security code changes regularly
  • Unlimited virtual cards: Create multiple cards for different purposes
  • Instant control: Create, cancel, or block cards anytime
  • Global acceptance: Use wherever Mastercard/Visa is accepted
  • FNB Pay compatible: Tap to Pay and Scan to Pay functionality
  • Partner wallets: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Private banking services

As an FNB Private Clients cardholder, you receive access to comprehensive private banking.

Dedicated support

  • Personal Private Banker: Your own dedicated banker available 24/7
  • Expert team: Access to financial advisors, wealth planners, and specialists
  • Specialist lending: Tailored financing solutions for homes, investments, businesses

Wealth management

  • Financial planning: Personalised wealth-building strategies
  • Investment advisory: Portfolio management and investment guidance
  • Estate planning: Fiduciary services and estate management
  • Stockbroking: Local and offshore trading services
  • Property finance: Loans for dream homes, holiday homes, investment properties

Family banking benefits

Spouse/partner discount

  • 50% off: Your spouse or partner gets 50% off their monthly account fee
  • Same benefits: Access to the same premium banking services

Children's accounts

Digital banking features

Manage your Private Clients Credit Card seamlessly across all FNB channels:

  • FNB App: Full account management on mobile
  • Online Banking: Comprehensive web-based banking
  • Cellphone Banking: Quick access via USSD
  • ATMs: 24/7 self-service banking
  • Branches: In-person support when needed

Digital services (all FREE)

  • Balance enquiries
  • Statement downloads
  • Card management (block, unblock, replace)
  • Payment scheduling
  • Automatic payments
  • Transaction notifications
  • Spend tracking
  • Budget tools

How to apply

Online application

  1. Visit FNB.co.za
  2. Navigate to Credit Cards - Private Clients
  3. Click "Apply Now"
  4. Complete the online application form
  5. Upload required documents
  6. Submit your application

Comparing premium credit cards

At JustMoney, we help you compare credit cards to find the best option for your needs. Here’s how the FNB Private Clients Credit Card compares to other premium options:

Feature FNB Private Clients Standard Bank Prestige Absa Premium
Annual income required R750k - R1.8m R300k+ R500k+
Monthly fee (bundled) FREE R250 R200
Airport lounge visits 20 free 6 free 8 free
Travel insurance R10 million Included Included
Rewards program eBucks (up to 50%) UCount Absa Rewards
Credit limit R75k - R300k Varies Varies

Frequently asked questions (FAQs)

Can I waive the monthly fees?

Yes, bundle your Private Clients Credit Card with the FNB Fusion Private Clients Account or Single Facility® Account to eliminate both the R143 monthly account fee and R171 credit facility fee, a total saving of R3,768 per year.

What's the difference between Private Clients and Private Wealth cards?

Private Wealth is for higher earners (R1.8m+ annual income) with even more premium benefits including a metal card, higher credit limits, and unlimited lounge access. Private Clients is designed for the R750k–R1.8m income bracket.

What is the budget facility?

The budget facility lets you convert purchases over R200 into installment payments over 6–60 months at competitive interest rates. It's particularly useful for devices (earn up to 60% back in eBucks) and medical expenses (Prime or Prime +2% rate).

Can I get additional cards for family members?

Yes, the first 3 additional cards are free. After that, it's R18.50 per card per month. Your spouse/partner can also get their own account at 50% off.

How does the personalised interest rate work?

FNB assesses your credit profile, income, and banking behavior to determine a personalised interest rate for your credit card. Better credit profiles receive lower rates.

What's included in purchase protection?

Items purchased with your FNB Virtual Credit Card are covered up to R12,500 per claim for 30 days from the purchase date. This covers tangible items like electronics, furniture, and clothing.

Need help with your finances?

JustMoney is here to help you make good money choices:

  • Check your credit score: Get your free credit score and find out where you stand financially. It's instant and totally free with JustMoney. A good credit score is essential for premium credit card approval.
  • Personal loans: Need to consolidate debt or fund a large purchase? Explore personal loan options through our platform. We help you compare offers from trusted lenders.
  • Debt consolidation: Managing multiple credit cards? Learn about debt consolidation options that could help you reduce interest and simplify payments.
  • Money management: Visit our banking and money tips section for expert advice on maximising your credit card rewards and managing credit responsibly.
  • Speak to a coach: Register for a FREE call-back and make good money choices with guidance from our financial coaches.

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