How to Apply for your FNB Premier Credit Card
FNB Premier Credit Card stands out as a premium credit card offering distinctive features and potential benefits to its users. Cardholders can borrow a good amount of money. The credit limit will be approved based on the individual financial profile and credit history.
The card has no extra charge on budget purchases and no extra charges for additional cards for spouses. But it has a monthly account fee of R99. Any individual who has an annual income of R350 000 to R749 999 can have this card.
Some major benefits that a cardholder will get:
- Travel benefits: FNB premier credit card has exclusive travel rewards such as up to 8 complimentary SLOW Lounge visits and 40% off on selected flights. This card comes with no charge for Global Travel Insurance.
- Exclusive deals: When you purchase or take up any special offers at any of the partner shops, interest rate will be competitive. FNB Premier Credit Cardholders will get assistance with travel bookings, reservations, and various lifestyle-related services with a personalized and enhanced experience.
- Automatic debt protection: FBN Premier Credit Card holder will be covered in event of death or permanent disability. The debt protection will be up to R12 000.
- Digital banking: FNB is a technologically advanced bank. FNB provides digital banking services including online account management, mobile banking apps, real-time transaction alerts, and virtual cards. Cardholders can pay with simple and secure ways with the FNB App.
- Higher credit limit: FNB Premier Credit Card provides a greater credit limit to its users.
On top of all the benefits, FNB is a highly reputed bank in South Africa. There are many awards for performing outstanding in the financial sector that are under FNB’s possession.
Prerequisites
FNB Premier credit card requires an annual income of R350 000 to R749 999. Other than the annual income, you must have to submit some documents such as:
- Your recent payslip copy.
- Three month’s bank statements.
- South African ID book/card.
- Proof of residence.
About the bank FNB
First National Bank is one of the oldest banks in South Africa and a major division of the FirstRand Group. FNB was formed in Grahamstown in 1838 and within 1874 it opened four branches. First National Bank of South Africa merged with Rand Merchant Bank and Momentum Insurance & Asset Management and formed The FirstRand Group in 1998.
The national banking regulator, South African Reserve Bank listed FirstRand as a “locally controlled bank.” FirstRand has a deal footprint in over 35 countries in Africa, as well as presence in the UK, USA, India and China.
Who is this card for?
FNB premier credit card is a premium segment credit card offering a range of rewards and potential benefits. Any individual having an annual income between R300 000 to R749 999 can apply for this card.
This card has travel benefits, reward programs, interest free purchases and some other benefits. So anyone who travels frequently can have this card.
Step by step to apply for the card
You can apply for this card from the FNB website. The step by step process for applying this card is given below:
Step 1: online application
Applying for the FNB Premier Credit Card is a straightforward process.
- You can visit the official FNB website.
- Click on the borrow and then credit cards
- You will find Premier credit card at the second
- Click on apply now
- Submit your ID number and phone number
Step 2: document submission
Applicants will need to submit necessary documents including proof of identity, proof of income, and other details required by FNB.
Step 3: credit assessment
FNB will review applicant’s creditworthiness.The process involves reviewing credit history, income, and other financial factors to determine eligibility. After reviewing the appropriate credit limit will be decided.
Positives and negatives of the card
Like all other cards, Premier Credit Cards have some positive and negative sides as well. Those are:
Positive sides
- Premier credit card offers a higher credit limit, which is personalized on applicant profile.
- Specialized rewards program
- Travel insurance and airport lounge access
- Interest free purchase period
- Free lost card protection
- No extra charge for credit card budget purchases and additional cards free.
Negative sides
- It has a higher annual fee than other standard credit cards.
- Requires a high annual income and favorable credit history.
- Foreign transaction fees are associated with the FNB Premier Credit Card.
How to unlock the card?
Once you receive the card, you will need to activate it before using it. To activate it, you can use the FNB app, online banking, or call the number written on the other side of your card.
Fees and tariffs
The premier credit card contains standard fees. It has a monthly fee of R 109 and once-off initiation fee of up to R199.
There will be no extra charge for credit card budget purchases and one additional card for spouses. There are some charges when withdrawing money, find out what they are here.
Customer service
Being the finest bank in terms of client experience, FNB is highly concerned about providing quality customer service. If you have any questions, call at 087 575 1111 if you are from South Africa and +2711 371 3711 from outside South Africa.
In case of lost or stolen card, call at 0800 110 132 and if you face any fraudulent issue, call at 087 575 9444.
A secure chat option is available around-the-clock on the app. Forms specifically for complaint and queries are available. For any questions, you can visit the nearest branch or request a call back service. Apple Store, Play Store, and Huawei App Gallery provide the FNB mobile app.
You may express your satisfaction with their customer service by completing the compliments form.