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
Make a purchase over R200 on your credit card
Request to transfer it to the budget facility
Choose your repayment term (6–60 months)
Pay a fixed monthly amount at a competitive interest rate
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
FNBy Accounts: FREE accounts for your children
FNBy Next Accounts: FREE accounts for older children
Financial education: Teach kids about money management early
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
Visit FNB.co.za
Navigate to Credit Cards - Private Clients
Click "Apply Now"
Complete the online application form
Upload required documents
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:
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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.
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