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.
| 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 |
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.
| 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.
| 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 |
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.
| 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.
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.
Book through eBucks Travel to access:
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) |
The budget facility allows you to convert large purchases into manageable monthly payments at competitive rates.
Medical expenses: Budget unexpected medical bills at Prime or Prime +2% interest rate.
The FNB Virtual Card on the FNB App provides enhanced security for online and in-store purchases.
As an FNB Private Clients cardholder, you receive access to comprehensive private banking.
Manage your Private Clients Credit Card seamlessly across all FNB channels:
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 |
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.
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.
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).
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.
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.
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.
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