How to Apply for your FNB Aspire Credit Card
FNB Aspire Credit Card protects you in the uncertain events of your life also giving you exceptional benefits like saving on fuel and groceries. This card requires an annual income of R60 000 to R299 999 and it will cover you with the credit limit up to R250 000.
FNB Aspire Credit Card has automatic, simple, and secure payment option with the mobile app. It has purchase protection and data bonus with FNB connect SIM top-up. Some other major benefits that you will get as Aspire Credit Card holder are given below:
- EBucks rewards: Spending on a variety of partners like Takealot, Checkers, Engen, iStore, this card allows you to earn eBucks.
- Insurance: Covers you in the event of death or permanent disability with up to R5 000 debt protection.
Yet:
Global travel insurance: When traveling internationally departing from South Africa, Lesotho, Namibia, or eSwatini, and returning to one of these countries, global travel insurance will cover you with 24/7 assistance in the event of a medical emergency. This card allows its users to get 2 complimentary annual Slow Lounge visits and pay no charge for Global Travel Insurance.
Virtual card: The FNB Virtual Card is the faster, safer and secure way to pay for purchases online and in-store around the world. The CVV number changes frequently and you can cancel or block your card anytime. Virtual cards allow scan and pay to all partner wallet transactions, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, and Swatch PAY.
Despite providing numerous benefits through its Aspire Credit Card, FNB is well reputed in South Africa and won prestigious awards in different categories.
Prerequisites
There are some prerequisites to apply for this card. The first qualifying criteria is you need to earn between R60 000 to R299 999 annually. You will be required to submit some documents to apply for this card. Those are:
- Recent payslip copy.
- Three month’s bank statement.
- South African ID book/card.
- Proof of residence.
About the bank FNB
First National Bank or FNB is one of South Africa’s “big four” banks and one of the three major divisions of the FirstRand Group. FNB is the oldest bank in South Africa which was formed in Grahamstown in 1838. The bank opened four branches at Grahamstown, Middelburg, Cradock and Queenstown by 1874. FNB is listed on the Botswana Stock Exchange under the symbol FNBB.
In 1998, FirstRand Group was formed by merging First National Bank, Rand Merchant Bank and Momentum Insurance & Asset Management. FirstRand group was listed as a locally controlled bank by the South African Reserve Bank.
FNB currently has subsidiaries in Botswana, Lesotho, Ghana, Namibia, Swaziland, Zambia, and Channels Island. The bank has been honored with so many awards in different categories for performing as the best bank.
Who is this card for?
As discussed above, any individual who has an annual income of R60 000 to R299 999, can have this credit card. FNB Aspire Credit Card allows you to save on fuel and groceries. It comes with an internet offer, EBUCK rewards, and insurance benefits. So, any individual can have this card and avail the benefits and rewards of this card in day to day life.
Step by step to apply for the card
The applying process for this card is very simple. Follow the step-by-step guide to know how to apply for this card:
Step 1:check eligibility
To apply for this card you must meet minimum eligibility criterias such as:
- You must be at least 18 years old.
- You should have a valid South African ID or Smart ID card.
- You must have a proof of income
Step 2: required documents
After you meet meet the eligibility criteria, you will be required to collect all necessary documents including:
- A copy of your South African ID or Smart ID card.
- Recent payslips or recent three months bank statements
- Copy of utility bill or lease agreement, not older than 3 months.
Step 3: apply online for the card
Once you collect all the necessary documents, visit the FNB official website to fill up the online application form.
- Go to FNB official website
- Click then choose the credit card option.
- You will find the Aspire Credit Card on top.
- Click on ‘Apply Now’ and fill in the online application form with ID number and cell phone number.
- Upload scanned copies of the required documents.
Positives and negatives of the card
Considering all the factors described throughout the article, FNB Aspire Credit Card has some main advantages and disadvantages as well.
Positive sides
- Rewards and incentives on everyday spending.
- Airport lounge visits for free.
- Personalized and competitive interest rates.
Negative sides
- Annual fee.
- Required an annual income.
How to unlock the card?
Your FNB Aspire Credit Card will be mailed to your address or you may be required to pick it up at a local FNB branch. You will receive the information on how to activate your card and set up your PIN from the customer service department.
There will be instructions provided with your card to activate it. Usually you need to login into FNB’s online banking or call their customer service for activation.
Fees and tariffs
Aspire Credit Card has some fees on credit card facilities. Find out more about fees.
Credit facility fees
- Per month the cost is R55.
- A maximum initiation fee of R199 once.
- Credit facility service charge is R21.
Credit card account fees
- Credit card account monthly fee is R34.
- Additional card fee is R17.50.
Cash withdrawals fees
- There is no charge on credit card purchases.
- There is no charge on budget purchases.
Cash withdrawal fees
- FNB ATM charge is R2.60 per R100 withdrawal.
- Other ATMs and mini ATMs charge is R12 and R2.60 per R100 withdrawal.
- Withdrawal from any financial institution branches and the purchase of foreign exchange charge is R80 and R3.20 for per R100.
- Cash on budget charge is R80 and R3.20 on per R100.
- International withdrawal from ATM and branch are R80 and R3.20 for per R100.
Customer service
FNB is very concerned about customer service and was awarded as the best bank in customer experience. For any query, contact Aspire service suite at 087 575 4653 and to report a fraudulent email, call or message immediately contact 087 575 9444 if you are from inside South Africa or +27 11 369 2924 if you are from Outside.
A 24/7 secure chat option is available on the app. There are separate forms for complaint and queries. You can request a call back service or visit your nearest branch for any query. FNB mobile app is available on Apple Store, Play Store, and Huawei app Gallery.
If you like their customer service, you can praise them by filling out compliments form.