FNB Premier Credit Card Review

The FNB Premier Credit Card gives tailored rewards, lifestyle perks, and financial solutions designed for ambitious, forward-thinking professionals.

Welcome to the world of next-level banking with the FNB Premier Credit Card—your personal access pass to premium rewards, effortless convenience, and a lifestyle tailored to you. Whether you’re planning a spontaneous getaway, upgrading your tech, or powering up your daily essentials, this card transforms each swipe into a moment of value.

With no initiation fee, a full bundle account included, and a vibrant ecosystem of eBucks partners like Takealot, Engen, and Clicks, this card doesn’t simply keep up with your lifestyle—it supercharges it! Combine that with travel perks, smart payment solutions, and a dedicated Premier banking team, and you’ve got a financial ally that’s as ambitious as you are. 

Benefits of the FNB Premier Credit Card

1. Bountiful eBucks with partner spending: Shopping with Takealot, Pick n Pay, Engen, Clicks, and more earns you valuable eBucks—why settle for ordinary when your everyday essentials earn you rewards? 
2. Seamlessly smart digital pay tools: Manage spending with flair—use the FNB App for flexible, secure, and cutting-edge payment options that make both virtual and physical transactions a breeze. 
3. Up to 55 interest-free days + medical payment support: Enjoy a generous interest-free buffer on purchases and pay medical bills at an attractive prime-linked rate, making your finances feel more manageable and less stressful. 
4. Preferential rates via the budget facility: Shop big at iStore, KOODOO.co.za, Cycle Lab, and more using your budget facility at attractive prime or prime + 2% rates—making those larger purchases smarter and more wallet-friendly. 
5. Purchase Protect via FNB Virtual Credit Card: Shop online or in-store using your virtual card and get peace of mind with cover up to R15 000—because protection shouldn’t cost extra. 
6. Earn up to 40% back in eBucks on select purchases: Opt to purchase new tech or appliances via the eBucks Partner Shop and earn up to a colossal 40% in eBucks on your monthly repayments—elevate your tech game while saving big. 
7. Travel in style with SLOW lounge access & flight discounts: Unlock up to 8 complimentary SLOW Lounge visits and nab up to 40% off selected flights (depending on your eBucks level), with Global Travel Insurance included—travel smarter, and more luxuriously. 
8. Automatic Debt Protection cover: Life happens—be ready. Receive automatic cover of up to R10 000 for death or permanent disability, with flexible top-up options to suit your peace-of-mind needs. 
9. Minimal transaction costs to keep more in your pocket: Ride smooth with low Cash@Till fees (R2), and transparent pricing so you’re always in control of your spending. 
10. Modern virtual card convenience: Create, cancel, freeze, or refresh your virtual card—and tap into Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and more—without ever needing your plastic card in hand. 
11. Affluent lifestyle backed by premier support: Enjoy 24/7 access to premier bankers—your go-to team for tailored guidance, support, and making the most of your card experience. 
12. Trusted, personalized interest rates: With personalized interest rates and a transparent pricing structure, you always know what you’re paying—and why it’s worth it. 

Who Can Apply?

• Annual income between R300 000 and R749 999 
• South African resident, with valid ID documentation (ID book/card) and proof of residence
• Supporting documents required: Recent payslip, past three months of bank statements, proof of residence, and ID 

How to Apply (Step-by-Step)

1. Head to the FNB Premier Credit Card page on the FNB website
2. Hit “Apply now”, or select “Call me back” or “Find a branch” for help
3. Fill in the online application with your personal and financial info
4. Submit required documents (payslip, bank statements, ID, proof of residence)
5. Await approval—and once approved, activate your card via the FNB App or Online Banking 

Frequently Asked Questions

• What’s the monthly fee on the card?

The FNB Premier Credit Card carries a monthly service fee of R250, aligning with the broader Premier bundle offering. 

• How does the eBucks fuel reward work?

Fuel with your virtual card and you earn eBucks—often R4 per litre at Engen—capped at a certain monthly spend (e.g., up to R2 000), which can net you about R400 in eBucks if you’re at reward level 5. 

• What does the Purchase Protect cover?

When using your FNB Virtual Credit Card for purchases, you automatically receive Purchase Protect cover up to R15 000—no extra fees, just secure shopping. 

• What travel perks come with this card?

You get up to 8 complimentary SLOW Lounge visits annually, up to 40% off select domestic and international flights based on your eBucks reward level, and Global Travel Insurance included—making travel smoother and more rewarding.