FNB Aspire Credit Card

An FNB Aspire Credit Card helps you prepare for the unexpected while giving you exceptional benefits like saving on fuel and groceries and making your money go further.

Required income

R42,000–R450,000

Monthly fee

R65

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What you get

Budget facility

A budget facility at no cost linked to your credit card, ideal for larger purchases. Plus, get a personalised and competitive interest rate.

Up to 55 days interest-free

Interest-free on purchases made on your straight FNB Credit Card facility. Plus pay R19.50 for an additional card and get a credit limit from R1,000.

Auto payment solution

Pay off your credit card account with a built-in calculator which deducts any pre-payments from the the debit order amount. On the payment due date, your amount payable (per the payment option selected) will automatically be deducted from your bank account and your credit card will be credited subject to one day 'uncleared effects'.

Ways to pay from R65 p.m.

A wide variety of innovative, simple and secure ways to pay with our FNB App. Monthly account fee of R65, initiation fee up to R210.

Purchase Protect

Get instant insurance for items purchased with your virtual card in-store or online at no extra cost up to R7,500. The cover is limited to tangible items only such as furniture and personal items including clothing, cellphones, and laptop.

eBucks rewards

Get 20% back in eBucks on your monthly device and appliance repayments when you shop on the eBucks Partner Shop using your FNB Aspire Credit Card.*

Bank with all the benefits

Rewarding travel benefits

Unlock up to 2 complimentary SLOW lounge visits when booking flights with eBucks Travel and pay no additional charge for Global Travel Insurance.

Find out more

Earn eBucks rewards

Earn and spend eBucks while you shop across a variety of partners like Takealot, Pick n Pay, Engen and Clicks at no additional cost.

Get covered

Automatic debt protection of up to R5,000 in the event of death or permanent disability with the option to top up cover.

eBucks rewards and exclusive offers

How to get these exclusive offers

At iStore, The Pro Shop or Cycle Lab, inform the cashier to put the transaction on the FNB budget plan and select the term.
FNB will transfer the purchase to the budget facility at a competitive interest rate.
The transfer may take up to 3 - 5 working days to go through. In the meantime, you will be charged your normal personalised interest rate.

Important points to remember

Apple devices are also available via istore.co.za (select the device, select 'Buy on FNB' and follow the steps). Find out more on www.istore.co.za/FNB
PlayStation consoles, games and accessories are available on KOODOO.CO.ZA.
You must have a limit available to cover the total amount of the purchase price and your balance will reduce by the full amount.
Prefunding your credit card for the purchase will not qualify the transaction for the budget plan promotional rate, specifically if the limit does not cover the purchase amount. Prefunding means the purchase was not done on credit but with your own funds.

Refer to our full terms and conditions.

More rewards, more value

Maximise the value of your FNB Credit Card by exploring the range of amazing benefits and perks it offers - all designed to enhance your financial well-being and make your life easier.

Debt protection FAQs

Automatic Debt Protection amounts by product

FNB Petro Card (Standalone)
Premium: No charge
Specified maximum amount: R1 000

FNB Aspire Credit Card
Premium: No charge
Specified maximum amount: R5 000

FNB Premier Credit Card
Premium: No charge
Specified maximum amount: R10 000

FNB Private Clients Credit Card
Premium: No charge
Specified maximum amount: R12 000

FNB Private Wealth Credit Card
Premium: No charge
Specified maximum amount: R15 000

Lost card protection

Report a lost or stolen card to a dedicated, toll-free, 24-hour hotline and FNB will assist in the event of a non-PIN related fraud incident on your account before the card is cancelled.

Top up debt protection premiums

Premiums are calculated on the monthly average outstanding amount minus the free portion covered under Automatic Debt Protection. Terms and conditions apply.

Create and pay with your own virtual card

A faster, safer and more secure way to pay for online and in-store purchases wherever you are in the world. Your CVV number changes regularly. Create, cancel or temporarily block your card. Plus, earn eBucks while you spend. Virtual cards can also be used for FNB Pay, Scan to Pay and all partner wallet transactions, including Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and SwatchPAY!.

Virtual card FAQs

Choose another option

Choose FNB Fusion Aspire and get more value for you and your family, with access to a credit facility at a single monthly account fee of R125 p.m.