fnb private clients travel insurance

DISCOUNT RULES

• Flight discounts are available to FNB Aspire; Premier, Private Clients, Private Wealth and RMB Private Bank clients.
• Your discount will be based on the highest qualifying FNB/RMB Private Bank transactional account that you hold. 
• As an example: If you hold an FNB Premier Current Account and an FNB Private Clients Credit Card, your reward level and eBucks discount level will be based on the FNB Private Clients Credit Card reward level as this is the higher product.
• For FNB Aspire customers, discounts are based on a maximum of R100 per one-way ticket.
• For FNB Premier, Private Clients and Private Wealth customers, discounts are based on your reward level:
• Level 1:  5%
• Level 2: 10%
• Level 3: 20%
• Level 4: 30%
• Level 5: 40%
• The main member requires an active transactional, qualifying FNB/RMB Private Bank account and must be registered for eBucks.
• Only personal eBucks accounts are eligible for flight discounts.
• eBucks for Business accounts do not qualify for flight discounts.
• Once a qualifying account has been opened and activated, a ‘qualified’ status will take a minimum of 3 working days to reflect on our systems. Once successfully processed, customers will be able to make flight bookings for their immediate family members. Kindly follow your banker’s instructions on how to activate your account.
• Reward levels are updated monthly between the 8th to the 14th of the month; where discount levels based on the previous month’s banking behaviours will be applied to customer profiles for a period of one month. Thereafter, the new month’s qualifying discount level applies.
• All accounts must active and in good standing .
• For a spouse / partner to qualify from the main member’s rewards and discounts, both partners must have the same active current account products.  Eg. An FNB Premier Cheque account, Premier Fusion account and Premier Islamic account are all active current accounts under Premier. 
• The spouse / partner must also be added to the main member’s family profile on the banking app.
• For children travelling between the age of 2-24 years to qualify from the main member’s travel discounts, they must hold an active transactional youth account and must be loaded onto both parents’ family profiles on the banking app. 
• Children under 2 years automatically qualify for discounts.
• Annual Discount Savings refers to the total rand value of discounts that an eBucks customer receives for use during the year  1 July – 30 June.
• Depending on the product you hold, this value is applied across eBucks discounts on flights, car hire and bus bookings as well as to purchases at eBucks Shop that are made via the FNB/RMB Private Bank App or eBucks Travel online.
• Only the eBucks discount value of these purchases will be deducted from your Annual Discount Savings balance when you choose to make use of your qualifying eBucks discounts towards your final purchase total.

For FNB Aspire Clients:

As a main member, you will receive your own Annual Discount Savings allocation of R1000 to use across Domestic flights and QuickBus bookings.

Maximum Discount Savings per ticket:

• QuickBus: R100 per one-way ticket*
• Domestic Flights: R100 per one-way ticket*

*A one-way ticket is eg. Johannesburg – Durban. 

For FNB Premier, Private Clients, Private Wealth and RMB Private Bank clients:

As a main member, you will receive your own Annual Discount Savings allocation for use on selected domestic and international flights, car hire, QuickBus bookings and selected eBucks shop purchases.

The amount you receive will be based on the highest qualifying FNB transactional account that you hold.

Annual Discount Savings allocations per account type are as follows:

FNB Premier: R5 000

FNB Private Clients: R10 000

FNB Private Wealth/RMB Private Bank: R20 000

* NEW RULES FROM 1 JULY 2024* - applicable to Aspire, Premier, Private Client, FNB Private Wealth and RMB Private Bank

• When the main member books travel for their spouse, the spouse will be able to benefit from the main member’s qualifying discount level as long as the main member has an Annual Discount Savings balance available. However, the rand value of the spouse’s discount will be deducted from the spouse’s Annual Discount Savings balance and not from the main member’s balance.
• If main member’s Annual discounts savings has been depleted, the spouse must book from their own profile in order to benefit from the main member’s qualifying discount
• Children can benefit from unlimited use of their qualifying parent’s travel discounts for as long as the main member / parent making the booking has an Annual Discount Savings balance available and the same parent is travelling with the child.
• Discounts for children travelling on their own will be deducted from the main booking member’s annual discount savings balance.
• Example: FNB Premier Customer (Annual Discount Savings is R5 000).
• Customer purchases a ticket for R1 000 (base fare) on the FNB/RMB Private Bank App, the customer is on reward level 5. The 40% discounted amount here is R400.
• The customer then purchases an item from the eBucks Shop for R1 000, the customer is on reward level 5 and their 40% qualifying discount amount here is R400.
• The customer received a total discount of R800 across both transactions, which was deducted from their Annual Discount Savings of R5 000. Therefore, the customer now has R4 200 in their Annual Discount Savings left for the year.
• Should you choose to allocate the remaining value of your Annual Discount Savings toward your qualifying discount total, only the value of the remaining Annual Discount Savings will be deducted from the qualifying discount amount and will be applied to your total purchase amount.
• It will not be possible to access the full value of your qualifying discount.
• Your qualifying reward level discounts will still apply and will only be affected in the event of the value of the discount you qualify for on an eBucks Travel or eBucks Shop transaction being greater than the balance left on your Annual Discount Savings allocation.
• Refer to question 9 below for more information.
• No. You have the option to not make use of your Annual Discount Savings allocation when booking flights, bus tickets and car hire. You can choose to use your allocation towards discounts on other purchases you may be planning for later in the year.
• You will no longer be able to receive eBucks discounts on your flight, car hire or bus ticket bookings made via eBucks Travel or on any purchases made on eBucks Shop.
• You may continue to book flights using your eBucks and/or rands and to unlock other benefits such BONUS Slow Lounge visits should you qualify.
• The Annual Discount Savings will be effective annually, 1 July – 30 June.
• No. Your Annual Discount Saving balance is not cumulative and any remaining balance that was not used during the year will fall away until your new Annual Discount Savings balance has re-set in September the following year with the first annual eBucks pay-outs.
• Your available Annual Discount Savings will be visible across your booking and purchase screens on the FNB/RMB Private Bank App and on the eBucks shop. 
• On the App, go to eBucks, then Travel and click on Annual Discount Savings to see your balance and history of discounts used.
• Discounts on flights are only calculated and applied to the base fare of the flight (airport taxes, levies, surcharges, VAT, and extras are excluded).
• Discounts only apply when your booking is made online on eBucks.com or on the FNB/RMB Private Bank App.
• Flight discounts apply to selected Domestic airlines in Economy class.
• Flight discounts apply to selected International airlines in Economy, Premium Economy and Business class.*
• Discounts are only valid for flights departing from and returning to South Africa.
• Should a customer wish to plan a stopover enroute to their destination (up to 4 legs are allowed), discounts will apply when booking via eBucks Travel Online, only if all legs are booked with a discounted airline partner.
• Discounts do not apply to first-class flights or on one-way international flights.

* Only applicable to FNB Premier, Private Clients, Private Wealth and RMB Private Bank customers.

• Discount partners could rotate monthly, so check on our platforms regularly to see which partner airlines are currently on discount.
• Look out for the “discount” banner on your search results or search by choosing discounted flights only.
• Yes, eBucks Travel has partnered with a vast selection of airlines with whom customers may book flights at highly competitive prices and you can continue to spend your eBucks towards your travel booking.
• No, you don’t need to pay with eBucks to qualify for discounts.  However, using your eBucks towards your final payment helps you save even more.

Changes and Cancellations

• Changes and cancellations must be done on the airline's website (www.lift.co.za) directly under the "Manage Booking" section, which is available 24 hours a day, 7 days a week for your convenience.
• Airline penalties for the customer’s account will apply as per each tickets’ rules.
• Changes and cancellations must be done on the airline's website (www.flysafair.co.za) directly under the "Manage Booking" section, which is available 24 hours a day, 7 days a week for your convenience.
• Airline penalties for the customer’s account will apply as per each tickets’ rules. 
• Changes and cancellations for all other airlines must be made directly with eBucks Travel during our office hours.
• Customers will be held liable for any additional costs to airfares and airport taxes and surcharges, as well as the airlines' penalty fees which vary depending on the airlines and value of the ticket purchased.
• eBucks Travel charges an additional  booking fee of  R110 for domestic flights and R265 for international flights over and above airline costs.
• eBucks Travel must wait for the airline to refund us before we can refund the customer.  Airline refunds can take up to 12 weeks to be processed.
• For emergency after hour assistance, kindly refer to our After Hours Emergency section.
• Changes: Any changes or upgrades to the qualifying passenger’s original flight booking may result in changes to the base fare as well as any airline penalties that may be incurred.
• Discounts are only applicable for original ticket bookings and will not be valid for any changes.  
• Cancellations / Refunds: If an existing discounted flight is cancelled (domestic or international), only the discounted value amount of the original flight booking will be reallocated to your Annual Discount Savings balance once eBucks Travel has obtained a refund from the airline; where the refund amount is greater than the original discounted amount that you paid at the time of booking.

LIFT Premium Benefit

• This is LIFT airline’s business class inspired offering that they call Premium to enhance your travel experience.
• Book your LIFT Premium flight/s with eBucks Travel on the FNB/RMB Bank App or online, during the offer period and receive a 25% discount.
• Pay for your booking using your FNB/RMB Private Bank Card (including Virtual Card), eBucks or part-pay with a combination of both.
• This benefit is open to all FNB and RMB Private Bank account holders (Retail and Commercial) who are qualifying members of the eBucks Rewards programme, regardless of their reward level. 
• The 25% discount will only be available through eBucks Travel when booking on the App or on the eBucks Travel website and is available on all LIFT Premium domestic routes. Note that qualifying customers won’t unlock additional benefits when booking online, only via the App.
• This discount has been extended and  is available for bookings made by 30 June 2025 for travel anytime. The discount is limited to the first 1000 tickets each month.  Once the 1000 seats have been reached, the price will adjust back to the LIFT published fare pricing on our platforms. 

There is no limit to the number of discounted tickets each customer may purchase. Unless the 1000 tickets have been reached within a month.

• The 25% discount is deducted from the base fare, excluding taxes and VAT.  The price you see on the eBucks Travel booking platforms are already discounted.
• LIFT has partnered with SLOW Lounge, thus allowing all LIFT Premium passengers, regardless of the booking platform used, to receive a complimentary visit to the SLOW domestic Lounges. Upon arrival at the lounge, please produce your LIFT Premium boarding pass to gain access.
• SLOW Lounge access through LIFT Premium does not have any impact on your complimentary or bonus visits earned through the eBucks programme.
• LIFT Premium offers great benefits such as dedicated check-in area, fast track security, priority boarding and unlimited ticket flexibility. For more information either visit the LIFT Premium info pages on the App or go to the LIFT website.
• eBucks.com and on the FNB/RMB Private Bank App.

Online booking support

• If a payment is successful, a confirmation screen will appear and prompt you to “Download” your booking confirmation and send it to the nominated email address.

           OR

• Log in to eBucks Travel via the FNB/RMB Private Bank App or eBucks website and navigate to the "Booking history" section. The booking confirmation email may be re-sent from this screen.
• If the booking confirmation email has not been received:
• Check your email’s junk mail folder; or
• Contact eBucks Travel on  087 587 2835  for assistance.
• Please note:  Emails may also be delayed due to system or network issues on either the sender’s or receiver’s side

There are two types of errors which may be experienced on our website:

a booking error and/or a payment error.

• Contact eBucks Travel on 087 587 2835 for assistance within Office Hours.
• If the payment was successful but a booking error was received, do not make another booking until the status of the booking has been confirmed with eBucks Travel on our emergency number: 064 546 2271.
• If a technical payment error is shown, there is still a chance that a booking has been made, kindly contact eBucks Travel for assistance on our emergency number: 064 546 2271.
• Login to the FNB/RMB Private Bank App, tap on the eBucks icon and navigate to eBucks Travel.
• On the eBucks Travel home page, scroll down until you see “My Traveller profile” and “My travellers”:
• “My traveller profile” is your own personal information;
• “My travellers” is for anyone else you would like to make travel bookings for.
• Remember that only direct family members who are part of your family banking profile could qualify for discounts on eBucks Travel.

eBucks Travel charges a minimal booking fee for all bookings made via the FNB/RMB Private Bank App, eBucks Online or the eBucks Travel Desk. Fees apply to new bookings.

• Domestic Flight Fee:  R65 per person
• International Flight Fee:  R320 per person

The minimum times for which advance booking should be made are:

• International flights: 6 hours before departure
• Domestic flights: 4 hours before departure
• Kindly visit the direct website of the airline that the booking has been made with in order to check-in.
• It’s recommended to always check-in online at least 24 hours before flight departure.
• Airline policies vary and some may open online check-in earlier than 24 hours before flight departure.
• Kindly visit the airline’s direct website to look at their pre-seating policy as their processes may vary.
• Any additional charges for pre-booked seats must be made with the airline and settled directly with them.
• A customer may either contact us to insert the number into the booking, or a customer could contact the airline directly to do that for them.
• Each airline has a different policy – kindly call us prior to booking your flights to confirm the airline’s wheelchair accessibility so that we can advise you accordingly.

South Africa (ZA) Minors: Minors younger than 18 years, traveling to/from South Africa.

both parents must hold :

• a valid passport; copy of a birth certificate/equivalent document

a singular parent must hold:

• a valid passport; copy of a birth certificate/equivalent document; a parental consent letter from the absent parent or legal guardian containing a copy of his/her passport or identity document and his/her contact details; OR
• a letter of special circumstances; OR
• a court order granting full parental responsibilities and rights or full legal guardianship to the present parent.
• In the case of the other parent being deceased, a death certificate is required. 

an adult other than a parent must hold: 

• a valid passport; copy of a birth certificate/equivalent document; a parental consent letter(s), copies of identification documents of parents/legal guardians, contact details of parents/legal guardians;  AND
• contact details of the person in whose care the minor will be, where applicable copy of a death certificate/adoption order/court order granting full or legal guardianship. 

when travelling as a Primary or Secondary School tour with a teacher or a trainee:

• a letter of consent from the school principal, confirming that consent letters from all parents are held by the school, together with an ID/passport copy of the accompanying teacher or traineer. 

unaccompanied minors must hold:

• a copy of his /her birth certificate; a parental consent letter containing a copy of his/her/their passport/s or identity document/s and his/her/their contact details (or consent from one parent together with a court order granting full parental responsibilities and rights or legal guardianship or death certificate or adoption order); AND
• a letter from the person receiving the minor in South Africa, containing address and contact details; copy of identification documents of the person receiving the minor, including visa/residence permit (if required). 

IMPORTANT NOTE: All documents must be in English. The parental consent letter must be issued within 6 months prior to the date of travel. 

• This does not apply to South African minors traveling to South Africa.
• This does not apply to holders of a valid visa.
• This does not apply to holders of a temporary residence permit issued by South Africa.
• This does not apply to minors in transit within the borders of South Africa. 
•  Each airline has their own policies, bookings for unaccompanied minors cannot be made via eBucks Travel online or the FNB/RMB Private Bank App.
• Kindly call us on 087 587 2835 during office hours so that we may assist with the booking directly via our Travel Desk.
• South African passports must be valid for at least 6 months from the last day of the booked trip, and there must be at least 3 blank pages in the traveller’s passport.
• Visas (entry and transit) may be required enroute, and it is the traveller’s responsibility to ensure that they have the correct documentation / permits when travelling.
• Health Requirements vary per country, with some requiring specific vaccinations to be evidenced on a vaccine card (e.g., Yellow Fever, COVID-19 etc.). It is the traveller’s responsibility to ensure that they have obtained all the necessary vaccinations for the entire journey, including transit points.
• It is each traveller’s responsibility to ensure that all necessary visas, vaccinations, and travel documents are in order whilst travelling.
• If all legs of a journey have been booked as 1 ticket with 1 ticket number (regardless of whether different airline flights are on the same ticket):
• Most airlines: If the first leg is missed, all the legs of the journey will be forfeited and a new ticket will have to be purchased.
• Airline exceptions: If the first leg is missed, a date-change penalty must be paid by the customer to reinstate the ticket and change it to the next available flight (this is allowed at the discretion of the airline). 
• If more than 1 individual airline ticket has been booked for the journey and there are multiple ticket numbers:
• If the flight on ticket number 1 is missed, it will not cancel the other tickets booked. The customer needs to ensure that the other airline(s) are advised of the changes to the first flight in order to ensure the necessary changes are made to further flights that match the new ticket.  The customer will be required to settle all relevant penalties incurred as a result.
• If all the legs of a journey have been booked as 1 ticket with 1 ticket number (regardless of whether different airlines flights are on the same ticket):
• The airline for the first leg is responsible for helping a customer get onto the next available flight, regardless of the airline they are travelling on.  
• The original airline is not responsible for a customer’s onward journey, the customer will need to contact the appropriate airlines to make the necessary changes. The customer will be required to settle all relevant penalties incurred as a result.
•  Each airline has their own policies, the airline will offer an alternative flight or advise of the options available to customers at the time of the schedule change.
• eBucks Travel acts as an agent of our airline suppliers. Airline suppliers’ cancellation terms and conditions will apply.

Discount Rules

• Car hire discounts are available to FNB Premier, Private Clients, Private Wealth and RMB Private Bank clients.
• Your discount will be based on the highest qualifying FNB/RMB Private Bank transactional account that you hold.
• Discounts are based on your reward level:
• Customers must hold an active, transactional, qualifying FNB or RMB Private Bank account and must be registered for eBucks and have reached at least discount level 1. Visit  www.eBucks.com  for more information.
• Only personal eBucks accounts are eligible for discounts.
• eBucks for Business accounts do not qualify for discounts.
• Accounts must be in good standing

*NEW from 1 JULY 2024*

• Customers can now enjoy discounts on domestic car hire any time without booking a flight.
• The discount of up to 40% on AVIS domestic car hire is based on the customers reward level at time of booking.
• The discount will be deducted from the Annual Discount Savings balance of the main member who is making the booking.The main member can book the car for their qualifying spouse and still qualify for the discount.
• Discounts are available when booking on the App or eBucks Travel website.
• Annual Discount Savings is the total rand value of discounts that an eBucks customer receives for use during the year 1 July – 30 June.
• Depending on the product you hold, this rand value is applied across eBucks discounts on flights, car hire and bus bookings as well as to selected purchases at eBucks Shop that are made via the FNB/RMB Private Bank App or eBucks Travel online.

For Premier, Private Clients, Private Wealth and RMB Private Bank clients:

As a main member, you will receive your own Annual Discount Savings allocation for use on selected domestic and international flights, car hire, QuickBus bookings and selected eBucks shop purchases. The amount you receive will be based on the highest qualifying FNB transactional account that you hold.

FNB Private Wealth/RMB Private Bank: R20 000

• No. Your Annual Discount Savings balance does not affect your eBucks balance. It only applies to the rand value of discounts that you will receive on your flight/car hire/bus ticket bookings made via eBucks Travel or on any purchases made on eBucks Shop.
• Refer to question 7 below for more information.
• Example: FNB Premier Customer (Annual Discount Savings is R5 000), purchases a flight for R2 000 (base fare) on the FNB/RMB Private Bank App. The customer is on reward level 5. The 40% discounted amount here is R800.
• The customer then hires a car for R1 000. (The customer is on reward level 5). The 40% discount amount here is R400.
• The customer received a total discount of R1 200 across both transactions, which was deducted from their Annual Discount Savings total of R5 000. Therefore, the customer now has R3 800 in their Annual Discount Savings left for the year.
• You will no longer be able to receive eBucks discounts on your flight, car hire, bus ticket bookings made via eBucks Travel or on any purchases made on eBucks Shop.
• On the App go eBucks then Travel and click on Annual discount savings to see your balance and history of discounts used.
• AVIS Car Rental for domestic rentals only.
• No, you may pay with rands and still qualify for discounts.  Using eBucks to pay will help a customer to save more.
• Yes, as many times as required! eBucks may be used as payment to save even more.

eBucks Travel charges a minimal booking fee for all bookings made via the FNB/RMB Private Bank App, eBucks Online and the eBucks Travel Desk.  Fees apply to new, changed, and cancelled bookings.

New bookings:

• Domestic Car Rental:  R65 per booking
• International Car Rental: R160 per booking
• Online bookings through the Travel Desk:  R150 per transaction over and above standard fees.
• Domestic Car rental: R110 per booking
• International Car Rental: R220 per booking

Cancellation:

• Domestic Car rental: R100 per booking
• International Car rental: R200 per booking
• When booking through eBucks Travel on the FNB/RMB Private Bank App or online, bookings cannot be made for longer than 14 days.
• All bookings for 14 days or longer need to be requested directly via the eBucks Travel Desk.
• When collecting a rental car, Avis will hold an authorisation amount on a customer’s credit card for the duration of the rental. This hold will cover the refuelling, additional kilometres, waivers and any additional services selected. This will reflect as an authorisation hold on the payment card, but no funds are taken from the customer’s account. The average holding amount (excluding the rental cost) is R2,800, but this may vary according to the customer’s specified rental requirements.
• Certain vehicle groups require two credit cards for collection.
• When the vehicle is returned, Avis will debit the additional extras due on the vehicle (fuel refilling, excess mileage, etc.) and a notification will be sent to the customer’s bank to release the hold. 
• If a vehicle is being rented over a weekend, an additional 'weekend authorisation' will be held for the duration of the rental as follows:
• Coastal Branches - R3,500 (on all car groups)
• Inland Branches - R7,500 on Car Groups A-E and R10,000 on Car Groups F-N
• The additional weekend authorisation will be waived for all Avis Preferred members or upon presentation of a valid airline boarding pass. 
• For more information, please visit the Avis website under their FAQ’s for lists of branches that require additional deposits.
• Avis does not accept virtual credit cards as form of guarantee. The driver’s physical credit card must be provided upon arrival at the depot.
• When booking online or through eBucks Travel on the FNB/RMB Private Bank App, these may be requested as part of the reservation, but it will not be guaranteed. 
• It is recommended that the rental company be contacted directly to confirm any additional equipment that may be required.
• Payment for additional equipment must be settled directly with the car rental company.
• Bookings must be cancelled 4 hours in advance prior to the booked pick-up time.  If not collected or cancelled outside of the 4 hours, a no-show penalty from AVIS as well as a cancellation fee from eBucks will apply.
• If the vehicle has not been collected as yet, contact eBucks Travel to assist with any required changes to domestic car rental bookings.  Fees may apply.
• If the vehicle has already been collected, and an extension on the reservation is required, Avis must be contacted directly on +27 11 387 8431 to process the change. Payment for the change must be done with Avis directly and eBucks cannot be used as payment.
• Discounts do not apply to reservation amendments and only apply to the cost of the initial reservation.
• If an emergency change or cancellation must be made outside of office hours, kindly refer to our After Hours Emergency section for more details.
• Yes, kindly contact our eBucks Travel Desk for assistance.
• No discounts apply to international Car Hire.
• For international car rental, the eBucks Travel Desk can assist with any amendments to car rental bookings prior to collection.
• Once in possession of the vehicle, any amendments must be arranged with the local car rental company and additional costs must be settled with them directly.

ACCOMMODATION & PACKAGES

• Accommodation or holiday packages can only be booked through the eBucks Travel Desk.
• Either visit our website for ideas on holiday packages or contact us for a quotation via email or telephone. 
• eBucks Reward discounts are not applied to accommodation, but we are kept informed of specials from our suppliers, so please always contact us for a quotation.
• We do our best to reply as soon as we can.
• It could take up to 48 hours to send a formal quotation.  If a quotation is required urgently, kindly contact our Travel Desk directly instead.
• Kindly note that an estimate is only valid at the time of quotation and is subject to availability until a final booking and payment is received.
• The “from” price provides an indication of the lowest price that was available at the time of loading to our site.
• Pricing may vary due to dates chosen, availability, rate fluctuations, supplier demand and rate of exchange on international travel.
• eBucks Travel receives pricing with certain validity periods from our suppliers.
• The eBucks Travel website is updated regularly in order to provide customers with the best average pricing.
• If a quotation has been received from us via email, simply complete the booking form attached on the quotation and return it to us by replying to the email. The eBucks Travel Desk would need to check availability and pricing once more before the booking is confirmed.  
• Bookings may be paid in eBucks, rands or a combination of both.

eBucks Travel charges a minimal booking fee for all bookings made via the eBucks Travel Desk. Fees apply to new, changed, and cancelled bookings.

• Domestic Accommodation:  R160 per booking
• International Accommodation: R265 per booking
• Domestic Accommodation R160 per booking
• International Accommodation: R265 per booking

Cancellations:

• Domestic & International Accommodation R350
• All bookings must be changed or cancelled directly with eBucks Travel.
• Supplier penalty fees will apply and will be advised at the time of the change or cancellation request.
• If an emergency change or cancellation needs to be made outside of our office hours, kindly refer to our After Hours Emergency section.
• Yes. Contact eBucks Travel for a quotation or to make a booking.
• eBucks Travel charges a minimal booking fee for all bookings made via the eBucks Travel Desk.  Fees apply to new, changed, and cancelled bookings.
• Domestic transfer:  R65 per booking
• International transfer: R110 per booking
• There are no eBucks discounts on transfers, but eBucks may be used to make payments towards a transfer booking to save even more.
• Supplier penalty fees will apply and will be advised at time of change or cancellation request.
• If an emergency change or cancellation must be made outside of our office hours, please refer to our After-Hours Emergency section.

AIRPORT LOUNGES

Complimentary & bonus visits.

• To get complimentary access to the SLOW Lounges, a customer must hold an active qualifying FNB Premier, Private Clients, Private Wealth or RMB Private Bank transactional account and be on a qualifying eBucks reward level. The number of complimentary visits allocated can change from month to month, depending on a customer’s reward level. Log on to the FNB/RMB Private Bank App to track your available complimentary visits.
• A customer can earn bonus SLOW Lounge visits with each flight booking made through eBucks Travel.
• A customer could also qualify for complimentary SLOW Lounge access if they hold an active FNB Platinum Business, Enterprise Business or Private Bank Business or Healthcare Business debit or credit card and meet the qualifying criteria.
• Refer to the Earn Rule pages (of your respective transactional account on ebucks.com for more info.  Visit  http://www.fnb.co.za/slow-lounge/domestic full qualifying criteria, access rules and fees.
• Available complimentary visits may be tracked via the FNB/RMB Private Bank App by following the steps below:
• Launch the App > Login > Select ‘eBucks’ > Select ‘Travel’ > Select ‘Airport Lounges’
• The calculator on the FNB/RMB Private Bank App may be used to estimate the total cost of entry for the main member and any accompanying guests prior to entering the Lounge.
• Yes, cardholders issued with secondary cards linked to the main member’s account may access the SLOW Lounge without the main account holder being present.
• Complimentary access will be granted if the main account holder has complimentary visits available. The secondary card needs to be issued in the traveller’s name.
• For FNB Aspire Credit Cardholders, only guests/children with a bonus visit may access the lounge. No additional guests/children will be allowed. Payment for entry is not permitted.
• FNB Premier, Private Clients, Platinum Business and Enterprise Business customers may enter the SLOW Lounge with one complimentary guest OR child between the ages of 2 and 18 years. Guest entries will be deducted from the customer’s annual complimentary allocation.
• FNB Private Wealth and RMB Private Bank customers can access the airport lounges with one complimentary guest AND one complimentary child between the ages of 2 and 18 years. Guest entries will be deducted from the customer’s annual complimentary allocation.
• All children below the age of 2 years access the lounges for free without depleting a customer’s complimentary allocation.

Additional SLOW Lounge visits, referred to as ’bonus visits’, may be earned when making a flight booking with eBucks Travel. For each traveller to qualify to earn bonus visits, the following criteria must be met:

*NEW from 1 August 2024

• Pay for your flight ticket with an active FNB Aspire Fusion Card, or an FNB Premier, Private Clients, Private Wealth or RMB Private Bank account, or part-pay using your qualifying card and eBucks, or pay only with your eBucks.
• Be on a qualifying eBucks reward level (not applicable to FNB Aspire Cardholders).
• Accounts must be in good standing.
• For children to qualify for bonus visits, they must hold an active FNBy, FNBy Islamic or FNBy Next transactional account and must be added to the Family Banking Profile of the parent/legal guardian who is travelling with them.
• FNB Aspire and / or Fusion Cardholder’s qualify for up to 2 bonus visits per annum.
• FNB Premier customers qualify for up to 8 complimentary visits per annum, depending on their reward level and can unlock up to 12 bonus visits per annum on any reward level.
• FNB Private Clients customers qualify for up to 20 complimentary visits per annum, depending on their reward level and can unlock up to 18 bonus visits per annum on any reward level.
• FNB Private Wealth and RMB Private Bank customers qualify for up to 36 complimentary visits per annum, depending on their reward level and can unlock up to 24 bonus visits per annum on any reward level.
• SLOW Lounge visits can be redeemed by swiping a qualifying bank card or by generating a QR code on the FNB/RMB Private Bank App and scanning it at the SLOW Lounge entrance together with the traveller’s boarding pass.
• For FNB Aspire Credit Cardholders, bonus visits may only be redeemed by generating a QR code on the FNB App and scanning it at the SLOW Lounge entrance.
• To generate a QR code follow these steps:  Launch the FNB/RMB Private Bank App > Login > Select ‘eBucks’ > Select ‘Travel’ > Select ‘Airport Lounges’ > Select ‘Access Now’
• Bonus visits are allocated between 1 August and 30 June of the following year.
• Upon qualification, bonus visits will be automatically added to a customer’s annual complimentary visits allocation, once a travel booking is made through eBucks Travel. 
• Bonus visits can be unlocked and used on domestic or international flight bookings, on any airline and regardless of whether the flight is discounted or not.
• When the cardholder accesses the Lounge, valid bonus visits will be depleted first before their allocated complimentary visits are depleted (where applicable).
• Bonus visits are valid for use from 7 days before the flight date to 7 days after the flight date.
• When the main account holder books a flight on eBucks Travel for themselves as well as their spouse or a travel companion who meets the qualifying criteria, the bonus visit will be allocated to each cardholder’s profile from their own allocation of bonus visits per year. Each qualifying account holder is required to generate their own QR code on the FNB/RMB Private Bank App or swipe their own card in order to access the Lounge.
• Note: Children do not have a set allocation of bonus visits. They have the potential to earn bonus visits provided that the parent/legal guardian who is making the flight booking has available bonus visits. To redeem bonus visits, the parent travelling with the child needs to swipe their qualifying card or scan a QR code from their FNB/RMB Private Bank App.
• Bonus visits are subject to general SLOW Lounge access rules, including:
• Access to SLOW Domestic Lounges will be limited to 90 minutes before boarding time.
• Access to SLOW International at OR Tambo is available 24/7.
• Access is subject to availability, according to SLOW Lounge capacity and safety rules.
• FNB Premier customers can use their complimentary visits at SLOW domestic Lounges only.
• FNB Aspire Credit Cardholders and FNB Premier customers can use their bonus visits at SLOW domestic Lounges and SLOW International.
• FNB Private Clients customers can use their complimentary and bonus visits at SLOW domestic Lounges and SLOW International.
• FNB Private Wealth and RMB Private Bank customers can use their complimentary and bonus visits at all SLOW domestic Lounges, SLOW International, as well as domestic and international Bidvest Premier Lounges where a SLOW Lounge is not available in the same airport terminal. This includes Bidvest Premier Lounges located in the following airports:  Port Elizabeth, George, Bloemfontein, Kruger-Mpumalanga, and East London airport as well as the Bidvest International Lounges located at Cape Town International Airport. 

            Note: Should you choose to enter a Bidvest Premier Lounge at an airport terminal where a SLOW Lounge is available, the applicable                  access fee will be charged.

• SLOW Lounges are located in the domestic terminals of OR Tambo, King Shaka, Cape Town and Lanseria International Airports. The SLOW International Lounge is only located at the international terminal of OR Tambo International Airport.
• Bidvest Premier Lounges are situated in the domestic terminals of all the major South African airports in Johannesburg, Cape Town, Durban, Port Elizabeth, George, East London, Mpumalanga and Bloemfontein, while international lounges are situated in Johannesburg and Cape Town airports.
• Entry into a domestic lounge is R300 per person per entry for every additional guest over and above the complimentary or bonus visits, or when a complimentary or bonus visit allocation has been exceeded, or when a customer does not qualify for complimentary or bonus visits.
• Entry into an international lounge is R480 per person per entry for every additional guest over and above the complimentary or bonus visits, or when a complimentary or bonus visit allocation has been exceeded, or when a customer does not qualify for complimentary or bonus visits.
• The use of a bank card or QR code to enter the lounge is not seen as a purchase and as a result, there is no need to enter a card PIN.
• The customer’s account will be debited with the lounge entry charges and as a reflect banking fee.
• If a customer qualifies for complimentary visits, this fee will be reversed. As this is not a purchase, no receipt or invoice will be issued.
• QuickBus discounts are available to FNB Easy Bundle, FNB Aspire, Premier, Private Clients, Private Wealth and RMB Private Bank clients.
• Your discount will be based on the highest qualifying FNB/RMB Private Bank transactional account that you hold. Example: If you hold an FNB Premier Current Account and an FNB Private Clients Credit Card, your reward level and eBucks discount level will be based on the FNB Private Clients Credit Card reward level as this is the higher qualifying product.
• FNB Easy Bundle customers, discounts are based on a maximum of R50 per one-way ticket.
• FNB Aspire customers, discounts are based on a maximum of  per one-way ticket.
• FNB Premier, Private Clients and Private Wealth customers, discounts are based on your reward level: 
• Customers receive discounts accoring to the type of account that they hold and their qualifying eBucks reward levels (where applicable).
• Each time you make use of a qualifying discount, the discount amount will be deducted from your Annual Discount Savings balance.
• The discounts you receive will be based on the availability of your Annual Discount Savings balance that will be allocated to you as of 1 July – 30 June 
• If on a transaction, you qualify for a discount that is greater than the current balance of your Annual Discount Savings, then you will receive a discount only up to the value of your available Annual Discount Savings balance.
• Once your Annual Discount Savings balance has been depleted, you will no longer qualify to receive discounts on your bookings until 1 July when your new Annual Discount Savings is allocated to you.

For FNB Easy Bundle clients:

• Discounts only apply to the main FNB Easy Bundle Account holder's account and not to any other members of their family profile.

For Aspire, Premier, Private Clients, FNB Private Wealth and RMB Private Bank

• For children travelling between the age of 2-24 years to qualify from the main member’s travel discounts, they must hold an active transactional youth account and must be loaded onto both parents’ family profile on the banking app. 
• Annual Discount Savings refers to the total value of discounts that an eBucks customer receives for use during the year (1 July – 30 June).

Each main member gets their own Annual Discount Savings of R500 allocated across QuickBus bookings when bookings are made via the FNB App.

Maximum Discount Savings per ticket:  QuickBus: R50 per one-way ticket*

For FNB Aspire clients:

As a main member, you will receive your own Annual Discount Savings allocation of R1000 to use across Domestic flights and QuickBus bookings.

• QuickBus: R50 per one-way ticket*

*A one-way ticket is e.g. Johannesburg – Durban. 

As a main member, you will receive your own Annual Discount Savings allocation for use on selected domestic and international flights, car hire, QuickBus bookings and selected eBucks Shop purchases.

*NEW RULES FROM 1 JULY 2024* - applicable to Aspire, Premier, Private Client, FNB Private Wealth and RMB Private Bank

• When the main member books travel for their spouse, the spouse will be able to benefit from main member’s qualifying discount level for as long as the main member has an Annual Discount Savings balance available. However, the value  of the spouse’s discount will be deducted from the spouse’s Annual Discount Savings balance and not from the main member’s balance.
• If main member’s Annual discounts savings has been depleted, the spouse must book from their own profile in order to benefit from their qualifying discount. 
• Children can benefit from unlimited use of their qualifying parent’s travel discounts for as long as the main member / parent making the booking has an Annual Discount Savings balance available and travelling with the child.
• The discount for children travelling on their own will be deducted from the main booking member’s Annual Discount Savings balance.
• Yes, you will still be able to enjoy the safety and convenience of booking your tickets securely via the FNB/RMB Private Bank App.

New bookings & payments

• QuickBus facilitates bus ticket bookings for all major bus operators across Africa. This enables customers to save time and money by comparing, choosing, and booking from multiple bus operators - all in one place.
• The more common bus operators in South Africa are Intercape, Greyhound Premium, Citiliner Plus, Vilamore, and Delta Coaches.
• For a full list of bus operators, please visit the QuickBus website.
• Booking bus trips via the app is convenient and hassle-free. Card payments are processed securely, and customers can pay using either rands, eBucks or a combination of both when booking a trip on the FNB/RMB Private Bank App. In addition, the app allows a view of all a customer’s previous online bookings.
• Any FNB or RMB Private Bank customer over the age of 18 who has the FNB/RMB Private Bank App can book a bus ticket using QuickBus on the App however, only those that qualify for discounts can get the savings.
• Yes, confirmation of the person’s consent must be obtained first in order to provide us with their personal information. In the case of a minor, the parent’s or legal guardian’s consent will be required in order to provide us with their personal information.
• Yes. Business customers can log into their personal FNB/RMB Private Bank App to book tickets with QuickBus. Business customers don’t qualify for discounts.
• Yes, the traveller profile may be viewed on the FNB/RMB Private Bank App and customers are able to add or remove travellers as and when required.
• Yes, customers can pay using either rands, eBucks or a combination of both.
• No, eBucks can only be used if a booking is made via the FNB/RMB Private Bank App.
• Bookings are only available on the app and not via FNB/RMB Private Bank Online Banking.
• No, only FNB/RMB Private Bank cards will be accepted.
• A confirmation email will be sent to the booking customer.
• Bookings may also be viewed under the “My bookings” tab under “Book Bus” on the FNB/RMB Private Bank App. Booking confirmations may also be re-sent from this screen if it has not been received.
• Once a booking has been paid and completed, each booking will constitute a direct agreement between the booking customer and the bus operator which is subject to the bus operator's service terms.
• Take note of the departure time and arrive at the pick-up point at least 15 minutes before departure. Ensure that all necessary travel and identity documents are packed and ready to be presented upon request.
• The ticket and/or ticket number with a valid ID or passport will need to be presented at check-in to board.

Changes, Cancellations & Refunds

• This will depend on the bus operators’ policies. The customer will have to contact them directly for any amendments, cancellations, or refunds on a booking.
• It is advisable to contact the bus operator before the time of departure, in order to change a booking.
• Most bus operators do allow changes prior to the departure, depending on the fare rules of the purchased ticket, but may impose a penalty fee for the requested change.
• Kindly refer to the QuickBus terms and conditions on the FNB/RMB Private Bank App for more information.

Contact details may be found directly on the bus operators’ website.

Below are the numbers for some of the most commonly used bus operators in SA:

• Intercape: 021 380 4400
• Greyhound Premium: 011 230 5222
• Citiliner Plus: 011 230 5222
• Delta: 011 338 5464
• Vilamora Tours: 087 153 3388
• Any refunds for bus booking payments will only be made in rands (including any portion that has been paid using eBucks) and will be processed by the bus operator.
• No children under the age of 12 will be not permitted to travel alone and must be accompanied by a parent or guardian older than 18 years. 12-to-18-year old’s may be permitted to travel alone by the travel operator, provided that the parent completes an indemnity form. This only applies to destinations within South Africa.
• Kindly refer to the specific terms and conditions of the bus operator. In general, children under the age of 18 months may travel on their parent/guardian’s lap for free, provided that they do not occupy a seat and there is only one child per accompanying adult. Cross border travel requires an affidavit from the parent that is not travelling with the child.
• Note: It is the customer’s responsibility to check all travel terms and requirements with the travel operator first.
• Kindly refer to the specific terms and conditions of the travel operator. In general, children over 18 months should occupy a seat and present a paid ticket on the day of departure.
• Children under the age of 18 are not permitted to travel cross-border without an adult to accompany them. Kindly ensure that at least one authorised adult accompanies a  minor passenger, and that the accompanying adult/parent/legal guardian is familiar  with the applicable regulations of each country the minor may travel through.
• Each bus operator has their own luggage policy. A general guideline is that each fare-paying passenger is permitted to take two pieces of luggage, free of charge and at their own risk. Each item of luggage should not exceed 80 cm x 60 cm x 30 cm in size and be of a total mass not exceeding 20 kg for local South African routes, and 30 kg for cross-border routes. Please refer to the chosen Operator’s luggage policy.

PAYMENT TERMS

• eBucks Rewards is a FirstRand Bank loyalty programme and only services FNB and RMB Private Bank account holders. Only FNB and RMB Private Bank Personal and Business Cheque and Credit Cards are accepted.
• Unfortunately not. The payment process only allows for one eBucks account and one rand account for payments, but eBucks can be transferred via www.eBucks.com from:
• A Personal eBucks account to another Personal eBucks account and;
• A Business eBucks account to a Personal eBucks account.
• Yes, payment may be made either fully in eBucks, rands, or with a combination of both.

BUSINESS ACCOUNTS

• Qualifying Business clients with eBucks for Business Accounts can book flights and car hire on the FNB/RMB Private Bank App or via eBucks.com.
• Bookings may also be made for any accommodation or package directly with the eBucks Travel Desk.
• eBucks for Business Accounts do not qualify for eBucks discounts. 
• Business eBucks, rands or a combination of both may be used to pay towards a booking.
• Business accounts do not qualify for the same discounts as retail customers, however you do benefit from the 25% off on LIFT Premium flights.
• Business clients who are registered for eBucks and who are mandated to transact on the Business eBucks account will be able to make bookings.
• Kindly contact eBucks Travel to request an invoice. 

AFTER-HOURS & EMERGENCY ASSISTANCE

Our standard office hours are:

• Mondays, Tuesdays, Thursdays, and Fridays, 08:00 – 17:00
• Wednesdays, 09:00 – 17:00
• Saturdays, 09:00 – 12:00

eBucks Travel Contact details:

• Contact number: 087 587 2835
• Email us: [email protected]
• Closed on all Sundays and public holidays, including Easter Weekend (Friday to Monday) Any time outside of these standard office hours are treated as After Hours and customers are urged to only engage eBucks Travel in an After Hours request in the case of an emergency.
• If a confirmed booking has been made with eBucks Travel, but a customer is experiencing difficulty with:
• checking-in at the airport or for a flight,
• collecting a vehicle hired through eBucks Travel or
• checking in at accommodation booked through eBucks Travel

If urgent booking changes must be made or cancelled:

• On the evening of departure,
• Within 72 hours of traveling over weekends.
• After hour support on bus bookings is excluded from this service – kindly contact the bus operator directly.
• Yes, if After Hours assistance is requested and this is not viewed as a travel emergency, a handling fee  will apply over and above the standard fees charged.
• Applicable fees include:
• Fees are charged per transaction in addition to the relevant standard fees
• After hours (non-emergency) Assistance fee: R200
• Emergency Number: 064 546 2271
• Monday - Friday: after 17:00
• Saturdays: after 12:00 until Monday morning 08:00

TRAVEL RULES

• Visa requirements vary from country to country, and customers are required to fulfil the passport, visa, and other immigration requirements for their entire itinerary, including all applicable transiting and stopover destinations.
• Travellers should confirm these requirements with the relevant High Commissions, embassies and/or consulates at the time of booking at least two months prior to departure to ensure that they are aware of any changes to a country’s entry requirements.
• The onus is on you to check the entry requirements for all destinations you are travelling to and through.
• eBucks Travel can assist in providing this information when requested by you. Please note that the eBucks Travel team are not visa consultants and will not be held liable should you fail to fulfil any passport, visa or immigration requirements.
• A passport must be valid for 6 months beyond the return date into South Africa and all South African passport holders are required to have a minimum of three blank pages in their passport excluding the front and back cover in order to enable entry visas to be issued. If there is insufficient space in the passport, entry will be denied, and the person is likely to be detained pending return to their country of origin.
• eBucks Travel doesn’t issue travel insurance; however, when using a qualifying FNB/RMB Private Bank card and/or eBucks to purchase an international return travel ticket(s), global travel insurance is provided at no cost.
• Once your ticket is booked, please visit the relevant website to issue your complimentary insurance policy online which you need to travel with encase of an emergency.
• Travel Insurance website:    www.tic.co.za/fnb
• Alternatively, contact the TIC helpdesk prior to purchasing a ticket to confirm what services are available.
• Contact details: TIC Help Desk: 0861 490 100 or 011 521 4111
• Health requirements and COVID vaccination requirements differ from country to country. Kindly contact the nearest Travel Clinic or local General Practitioner for information.
• Further information is also available at www.iatatravelcentre.com.

FNB Travel Insurance Review 2024

FNB Travel Insurance provides travel insurance of up to R5 million for medical and related expenses. FNB Travel Insurance is […]

FNB Travel Insurance provides travel insurance of up to R5 million for medical and related expenses.

FNB Travel Insurance is designed for FNB credit card and cheque account holders under the age of 75.

Outpatient services require an additional fee of R2,000.00 for medical and related expenses upon claim submission. In contrast, inpatient clients facing a medical emergency do not incur extra charges.

The insurance becomes active upon purchasing return tickets with a participating FNB cheque or credit card. Additionally, residents of Lesotho, Namibia, and Swaziland are eligible for this coverage.

Quarantine costs are reimbursed at R3,000.00 per day, capped at R30,000.00. An excess fee of R500.00 applies when making a quarantine-related claim.

Dental care up to R2,000.00 is covered, with an excess fee of R350.00 applicable for dental claims.

The plan also includes coverage for accidental death while traveling, up to R250,000.00, and accidental permanent disability, up to R750,000.00.

Other related expenses covered by the insurance policy include:

Medical Transportation, Repatriation and Evacuation

Compassionate emergency visit, repatriation of children, repatriation of travel companion.

• Burial, Cremation or Return of Mortal Remains

Other types of emergencies are also covered by FNB Travel Insurance. The following are the pre-existing medical emergencies that are covered by the plan.

FNB Travel Insurance Included Medical Emergencies

The FNB plan covers the sudden and unexpected onset of a pre-existing medical condition that may necessitate emergency medical treatment. The plan pays for inpatient hospital expenses. Pre-existing medical conditions are covered for a maximum of R500,000.00.

The plan also covers any additional expenses incurred as a direct result of covered injuries, illnesses, or diseases.

The plan cover policyholders for the following:

The plan covers transportation to the most appropriate medical facility for the insured to receive necessary treatment. The plan allows for an organized plan in which an assistance company can assist in transporting the insured to a facility. If necessary, repatriation to the insured’s home country is also provided. FNB will make such arrangements through their assistance company.

If the insured is hospitalized for 5 days or more in a row, the policy will pay for reasonable hotel and airfare expenses for a family member. Accommodation is paid for in a three-star hotel and does not include calls, meals, or drinks.

The insurance covers a family member who, on the advice of a doctor, stays with you until you are able to resume your journey.

If your accompanied children are left stranded in the event of your hospitalization, repatriation, or death, FNB travel insurance will arrange and pay for their transportation back to their country of residence, if necessary, with a qualified escort, provided they are also insured by FNB.

If your traveling companion is left stranded due to your hospitalization, repatriation, or death, FNB will arrange and pay for their transportation back to their country of residence with a qualified escort if required, provided they are also insured by FNB Insure.

List of FNB Credit Cards that Qualify for FNB Travel Insurance

• FNB Aspire Credit Card
• FNB Premier Credit Card
• FNB Private Client Credit Card
• FNB Private Wealth Credit Card
• RMB Private Bank Credit Card
• FNB Fusion Gold Card
• FNB Fusion Premier Card
• FNB Fusion Private Clients Card
• FNB Fusion Private Wealth Card
• FNB Premier Debit Card
• FNB Private Client Debit Card
• FNB Private Wealth Debit Card
• RMB Private Bank Debit Card
• FNB Islamic Premier Debit Card
• FNB Islamic Private Clients Debit Card
• FNB Islamic Private Wealth Debit Card
• FNB Business Platinum Debit Card
• FNB Enterprise Debit Card
• FNB Islamic Business Platinum Debit Card
• FNB Islamic Enterprise Debit Card
• FNB Business Private Clients Debit Card
• FNB/RMB Private Bank Business Debit Card
• FNB Business Gold Credit Card
• FNB Business Platinum Credit Card
• FNB Business Black Credit Card
• FNB Business Lodge Credit Card
• FNB Corporate Gold Credit Card
• FNB Corporate Platinum Credit Card
• FNB Corporate Black Credit Card
• FNB Corporate Lodge Credit Card

Advantages of FNB Travel Insurance

• The travel insurance is free for FNB and RMB credit card and cheque account holders.
• The travel insurance is free for the first 90 days of your journey.
• Other nationalities, such as Swati, can also purchase the product.
• Accidental death is covered under the plan.
• Accidental permanent disablement has the highest cover amount of up to R750,000.00.
• The cover is available to individuals up to the age of 74, which is a high age restriction.
• Emergency medical and related expenses are covered for up to R5,000,000.00 on international travels.
• In-hospital pre-existing conditions are covered by the plan for up to R500,000.00.

Disadvantages of FNB Travel Insurance

• The cover is only available to some FNB credit card and cheque account holders.

FNB Travel Insurance Application

• Must have a participating FNB credit card.
• Purchase your return tickets using your qualifying FNB card.

FNB Travel Insurance is one of South Africa’s most comprehensive travel insurance products. The product is designed to cover not only medical expenses but also in-hospital medical expenses due to pre-existing conditions, as well as accidental death and permanent disability coverage.

The plan also covers death and disability caused by war and terrorism. The plan eliminates the need for travellers to require additional coverage while traveling. However, it is recommended to keep some money aside when traveling to pay for any excess fees required when making a claim.”

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How to get FNB travel insurance

Going for a holiday can be an exciting moment. The last thing you will wish for is something that will stand in your way. Sadly, people have lost their most precious item or time because they lacked information or opportunity that would have saved the day for them. It is in a situation like this that the FNB travel insurance comes to the rescue. Fortunately, the TIC travel insurance FNB on your credit card goes for free, but it is highly recommended that you still go for a little top-up cover in addition to your credit card insurance.

Trip indemnification is one of the most popular indemnification policies in South Africa and beyond. Many establishments offer it. FNB travel insurance and RMB travel insurance have been serving their numerous customers for a few years. Many people who do not use the FNB are asking the question, “can I get travel insurance through my bank?” Many other banks offer good travel indemnification. Their process is discussed here.

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Does FNB have travel insurance?

Yes, the FNB has travel indemnification. First National Bank helps you cover unexpected troubles on your trip through Comprehensive Global Travel Insurance. With the CGTI, you are insured, no matter the location you find yourself. In fact, you will get free covering from the bank if you use a qualified FNB cheque or credit card to buy your flight tickets (local or international).

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This policy is similar to RMB travel insurance, which is why the RMB private bank card is part of the qualified cards used for getting insured via FNB. Besides, FNB travel indemnification works with TIC (Travel Insurance Consultants) to ensure that travellers from Southern African nations are protected and insured. With the TIC travel insurance, FNB covers both individual and corporate customers for the first 90 days of their journey.

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The policy from First National Bank gets you up to R10 million for medical expenses. However, you can get this travel insurance when booking with credit card certified by First National. Also, you will get up to R2.5 million for personal liability. The Comprehensive Global Travel Insurance from FNB insures you in the event of any of the following:

• Accidental loss of baggage
• Theft or damage of baggage
• Flight delays
• Baggage delays
• Case of stolen passport or trip documents
• Bank card fraud
• Cancelled flights
• Expenses for evacuation in the case of a Natural disaster
• Your visa application rejection
• Kidnap or illegal detention
• Identity swindle
• Any Hazardous activity
• In the case of repatriation as a result of the death

How do I activate my travel insurance?

Having a credit card handy comes with a lot of benefits. One of them is the trip indemnification that it comes with. Though it is free, the printing on the card itself looks highly professional. The indemnification saves one the embarrassment of cutting your trip short. You are covered when you activate the free insurance on your credit card and buy your air ticket. However, it must be an air ticket departing and returning to South Africa and must be with the credit card.

Check out some of the Best travel insurance companies in South Africa

Importantly, you need to verify from your bank what your credit covers before you activate your trip cover policy. Some of the credit card trip indemnifications cover only medical expenses and medical emergencies. The best forms are trip indemnification for sudden sickness and injury. There are many South Africa credit card providers to consult to ascertain the activation status of your credit card travel insurance before you embark on your journey. They will also guide on the application process of trip indemnification when booking with a credit card.

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How do I get FNB travel insurance?

To get your FNB trip indemnification, you need to meet the following requirements.

• You must be a South African citizen or be a permanent resident.
• You must be between the ages of 18 and 70 years.
• You need to have a cheque account or credit card to pay for your proposed trip tickets.

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To apply, you will need to visit any FNB branch with your South African ID book/card or your proof of residence. It must bear your name and not less than three months old.

How do I activate my FNB travel insurance?

Those who want to know how to get travel insurance with FNB can simply call the FNB travel desk on 0861490100, or visit any branch close to them. You can check for FNB travel insurance reviews to make sure it is what you want to do.

Is FNB life insurance good?

First National Bank also offers life indemnification to its customers. This service covers all financial support to the dependents on the customer. All outstanding debts, estate taxes, and children’s education will be insured in a situation where the individual is not around or down with a terminal illness. Therefore, it is safe to say that FNB life indemnification is suitable for South African citizens.

What you need to know about the FICA and RICA

FNB travel insurance contact

For information on how to activate free trip indemnification on your credit card from FNB call them on the telephone line, 0861 490 100. They are open 24 hours a day. Customers calling from outside of South Africa should dial +27 11 371 3711 and then, followed by 087 when it requests for it.

FNB travel insurance has a different process with lots of packages for their subscribers. You can take advantage of this since life is full of eventualities. But then, you should bear in mind that FNB credit card travel insurance is only completed when you contact them after making your journey arrangements.

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Source: Briefly News

Favour Adeaga (Lifestyle writer) Dr. Favour Adeaga is an author, speaker, and coach. He graduated with a degree in Mass Communication from The Polytechnic, Ibadan, Nigeria. He did his internship at The Nation Newspaper and taught diploma students in Newspaper and Magazine courses at the Nasarawa State University, Keffi. He has curated the facts and life hacks category since 2018. Dr Favour is the author of several books available on Amazon. He currently lives in Nigeria. Email: [email protected]

Digital Financial Education

FNB Travel Insurance: Your Comprehensive Guide to Journey Coverage

So, picture this: you’re getting ready to jet off on an epic international adventure, but in the back of your mind, you’re kind of stressing about all the things that could possibly go wrong. Lost luggage, sudden illness, trip cancellations – it’s enough to make your head spin!

But here’s the good news – if you’re an FNB cardholder, you might just have a secret weapon up your sleeve. It’s called FNB Travel Insurance , and it’s basically like having a guardian angel watching over you while you’re off exploring the world.

The best part? If you’re eligible, this insurance automatically kicks in the moment you book your return international tickets using your FNB card. No extra paperwork, no jumping through hoops – just a whole lot of peace of mind, right from the get-go.

Now, I know what you’re thinking: “Insurance policies are so confusing! How do I know what I’m actually covered for?” And you’re totally right – it’s super important to read through the fine print before you pack your bags. FNB’s travel insurance policy covers a whole range of scenarios, from minor hiccups to major emergencies, so it’s worth taking a few minutes to familiarize yourself with the details.

And hey, even if you’re a seasoned adventurer, it never hurts to double-check what’s what. FNB has got options for different age groups, including specialized coverage for the over-70 crowd, so everyone can get in on the globe-trotting action.

But what if you’re mid-trip and you suddenly have a question or concern about your coverage? No worries, friend – FNB’s got your back with their Global Travel Insurance Help Desk. It’s like having a direct line to a team of travel insurance superheroes, ready and waiting to answer all your queries and make sure you’re totally prepared for whatever your journey throws your way.

And let’s face it – when you’re far from home, it’s a huge relief to know that you’re covered for things like accidental death and other scary travel scenarios. With FNB Travel Insurance, you can focus on making amazing memories and leave the worrying to the experts.

So go ahead – book that flight, pack your bags, and get ready for the adventure of a lifetime. With FNB Travel Insurance by your side, you can explore the world with confidence, knowing that you’re protected every step of the way.

Understanding FNB Travel Insurance

Travel insurance from FNB is designed to safeguard customers while they are travelling. FNB provides peace of mind through comprehensive coverage for a variety of potential travel-related issues.

What Is FNB Travel Insurance?

FNB, or First National Bank, offers Global Travel Insurance services to its qualifying cardholders. This insurance is intended to cover individuals when travelling internationally. Customers need to use their qualifying FNB card to purchase their international return travel tickets to activate the free insurance cover.

Benefits of Travel Insurance with FNB

Travel Insurance with FNB has several benefits:

• Indemnification for unforeseen travel troubles,
• Coverage for medical and related expenses up to a pre-specified limit,
• Access to a Global Travel Insurance help desk for assistance and enquiries.

Key Features of FNB Travel Insurance

Some of the key features of FNB Travel Insurance include:

• A free Global Travel Insurance cover for eligible cardholders,
• A maximum medical coverage of up to R5 million ,
• Availability for FNB credit card and cheque account holders under the age of 75.

By offering reliable travel insurance, FNB enhances the travel experience for its customers, providing an essential service that can be relied upon in case of emergencies abroad.

Eligibility and Activation

To benefit from FNB’s travel insurance, one must comply with certain eligibility criteria and follow specific steps to activate the cover. This section outlines the eligibility requirements, activation procedures, and the FNB card types that offer travel insurance.

Who Is Eligible?

FNB’s travel insurance is available to individuals who:

• Are South African citizens or permanent residents .
• Are aged between 18 and 70 years .

To be eligible, individuals must also hold an FNB cheque account or credit card and use it to pay for their international return travel ticket(s).

Steps to Activate FNB Travel Insurance

The activation of FNB travel insurance involves:

• Purchasing an international return travel ticket(s) using an eligible FNB card .
• Logging into the online banking platform.
• Following the prompts to activate the free trip indemnification service associated with the card.

FNB Card Types Offering Travel Insurance

FNB provides travel insurance benefits with the following cards:

• FNB Credit Cards : Cardholders can avail of the travel insurance when they purchase their travel tickets using the card.
• FNB Debit Cards : Similarly, purchasing tickets with an FNB debit card can grant access to the insurance benefits.

Cardholders are encouraged to understand the specifics of their coverage by reviewing their insurance policy details and ensuring they meet all requirements before travelling.

Coverage and Benefits

FNB Travel Insurance provides its policyholders with comprehensive coverage, ensuring a wide range of benefits for various unforeseen incidents during travel. It is designed to give travellers peace of mind with significant support for medical and other travel-related emergencies.

Medical Expenses and Emergencies

FNB Travel Insurance covers Up to R5 million for medical expenses incurred due to illness or injury. This includes necessary and reasonable medical treatment, as well as dental cover in the case of an emergency. The coverage ensures travellers can access quality medical care without the burden of exorbitant costs.

Repatriation and Evacuation

In the event that a policyholder requires urgent medical care which is not available locally, FNB Travel Insurance covers the costs for repatriation to a suitable medical facility. Moreover, if necessary, the policy provides for evacuation to the insured’s country of residence for ongoing treatment.

Accidental Death and Disablement

The insurer extends its coverage to include benefits in the unfortunate event of accidental death or accidental permanent disablement while travelling. These circumstances are considered on a case-by-case basis, with specific terms detailed in the policy documentation.

Additional Travel Insurance Benefits

Policyholders are also covered for incidents that may not be directly health-related but still have significant implications for their travel plans. Global Travel Insurance includes protection against events such as war and terrorism . The additional benefits ensure travellers are supported even in the most extreme and unexpected of circumstances.

Claims and Assistance

When engaging with FNB Travel Insurance, policyholders are provided with a structured process for filing claims and are supported by accessible help desks and emergency assistance services.

How to File a Claim

To initiate a claim , FNB Travel Insurance clients should contact the claims department directly. It is crucial to report an incident as soon as possible to expedite the process. Clients can make a claim by:

• Calling : 087 312 0001

Claimants need to have their policy number and relevant supporting documentation handy when they reach out.

Global Travel Insurance Help Desk

For queries and support related to FNB’s Global Travel Insurance, customers can contact the Global Travel Insurance Help Desk for assistance. The help desk can provide guidance on policy details, coverage limits, and procedures. Customers can access this service by:

• Calling : 0861 490 100
• Assistance is available to offer information on the policy and aid with any questions the policyholder may have.

Emergency Assistance Services

In the event of an emergency while travelling, policyholders can access emergency assistance services provided by FNB Travel Insurance. These services are available around the clock to ensure travellers have support when they need it most. In case of an emergency, customers can:

• Call internationally for reverse-charge services : +27 11 991 8409
• Services include medical assistance, emergency evacuation, and other critical support in times of need.

This network ensures that policyholders have access to immediate help, no matter where in the world they may be.

Terms and Limitations

This section delves into the specifics of First National Bank (FNB) Travel Insurance, addressing the intricacies of pre-existing conditions, geographical restrictions, and the duration and extent of coverage. The terms and conditions of the policy are pivotal in understanding the limitations and benefits afforded to policyholders.

Pre-Existing Conditions

FNB Travel Insurance stipulates that coverage for pre-existing medical conditions may be subject to certain restrictions. Policyholders need to declare any existing medical issues as these could affect the validity of their claim. Travel insurance typically does not cover any medical expenses arising from conditions that were known before the policy commenced.

Geographical Limitations

FNB provides international travel insurance that covers the policyholder globally. However, there might be geographical restrictions in the policy, which often exclude countries with heightened risk or ongoing conflict. Specific insurance coverage might extend to trips within the Southern African Development Community (SADC) region, including Lesotho, Namibia, and Swaziland .

Duration and Extent of Coverage

The duration and extent of FNB’s travel insurance can vary. Coverage may have limits on the number of days they cover an international trip. The financial limits of coverage are significant, with some policies offering up to R5 million for medical-related expenses. It is essential for travellers to understand the terms and conditions (T&C) as they outline the maximum duration of coverage and the extent to which the policyholder is protected.

Additional Services and Perks

FNB’s travel insurance is enhanced by a suite of additional services and perks, designed to provide convenience and comprehensive coverage for travellers. These offerings leverage FNB’s digital platforms and cater to individual and group insurance needs, ensuring a well-rounded travel insurance experience.

FNB Online Banking and App Features

FNB’s online banking and the dedicated mobile app offer policyholders the ability to manage their travel insurance with ease. Users can access their travel insurance policy details, check coverage limits, and initiate claims directly through these platforms. Moreover, the app includes features that allow travellers to:

• View and download their insurance policy documents
• Quickly get in touch with customer service for support

Family and Group Add-Ons

Understanding the importance of family and group travel, FNB Travel Insurance policies include options for comprehensive coverage that extend beyond the individual. Benefits for families and groups comprise:

• Compassionate emergency visit coverage, in case a traveller needs to return home due to an emergency.
• Repatriation of children , ensuring that minors are returned home safely should a guardian be unable to care for them during travel.
• Options to add additional members to the policy, providing flexibility for group travel scenarios.

Complementary Services with FNB Travel Insurance

Complementary services included in the FNB Travel Insurance offering go beyond basic coverage to provide additional peace of mind. Key services entail:

• Emergency medical assistance available around the clock
• Travel companion repatriation , which includes arrangements for a travel companion’s return in the event of an insured’s hospitalisation or death.

Each service is designed to alleviate the stresses of unforeseen incidents during travel, reflective of FNB’s commitment to thorough and considerate travel insurance solutions.

FNB Travel Insurance Products

First National Bank (FNB) provides an array of travel insurance products tailored to safeguard customers on their journeys, whether personal or business. The offerings are segmented to address the diverse needs, covering customers who hold FNB credit cards and those seeking standalone travel insurance packages.

Personal Travel Insurance Packages

FNB’s Personal Travel Insurance Packages are designed to protect individuals and families when travelling abroad. One gains eligibility for a complimentary Global Travel Insurance policy when purchasing international return travel tickets using a qualifying FNB credit or debit card. This insurance generally covers emergency medical expenses and can be extended to cover other unforeseen incidences depending on the customer’s requirements. For travellers between 71 and 85, FNB provides an alternative insurance option that addresses their unique needs.

Business Travel Insurance Solutions

For businesses, FNB offers Business Travel Insurance Solutions , understanding that business trips come with their own set of risks and challenges. These insurance products cater specifically to the needs of businesses and their employees, offering coverage for medical emergencies, trip cancellations, lost baggage, and other travel-related inconveniences. The coverage ensures peace of mind for both the employer and the employee, enabling focus on business matters.

Credit Card-Specific Travel Policies

Customers with FNB Credit Cards benefit from tailored Credit Card-Specific Travel Policies . By using an FNB credit card to book travel, clients can automatically receive travel cover, which may include but is not limited to, medical expenses and coverage for accidental death and permanent disability. The specifics of the coverage can vary based on the type of credit card held and the details of the policy linked to it.

Frequently Asked Questions

What is FNB Global Travel Insurance? FNB Global Travel Insurance provides coverage for individuals travelling internationally. It offers protection against unexpected events such as medical emergencies, trip cancellations, and loss of personal belongings.

Who is eligible for FNB Travel Insurance? Eligibility typically extends to South African citizens or permanent residents aged between 18 and 70 years, who have purchased their return international travel tickets using a qualifying FNB card.

How can one obtain FNB Travel Insurance? Travel insurance is automatically granted to qualifying FNB credit card holders. A cardholder must use their FNB card to pay for the international return tickets to activate the insurance cover.

What does the travel insurance cover? The insurance plan typically covers accidental death and trip cancellations, among other benefits. One should review the policy document to understand the full scope of coverage.

Is there a cost for FNB Travel Insurance? The travel insurance is commonly offered at no additional charge for the first 90 days of travel for qualifying FNB and RMB credit and cheque account holders.

How does one make a claim? To initiate a claim, one should contact the Global Travel Insurance Help Desk. Retaining a copy of the travel policy and understanding its terms is crucial when filing a claim.

What should account holders know about the claim process? Policyholders must follow the instructions in the policy document for claims. Contacting the help desk promptly and providing necessary documentation is essential for claim processing.

It is pertinent for travellers to fully understand their policy’s limitations and benefits before commencing their journey.

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Travel Get In Touch

To speak to us, call us on

0861 490 100

Get in touch.

For any insurance related enquiry call the FNB Contact Centre on 3959881 or call toll free 0800 302 302

Schedule of Benefits

Travel insurance policy, travel insurance, travelling the world.

Comprehensive Global Travel Insurance will keep you covered no matter where you go in the world.

Get FREE Comprehensive Global Travel Insurance cover when you use your FNB Credit Card to purchase your international airline travel ticket(s).

Getting it made easy

Cover you can count on.

SAVE on your insurance and be conveniently covered for the first 90 days of your journey.

The Schedule of Benefits Travel Insurance Policy

Up to 5 million cover

Up to 5 million cover for medical expenses

Personal liability cover

Personal liability cover of up to P2.5 million

Cover from delays to damage

Cover in the event of personal accidents, cancellations, travel delays and lost, stolen, or damaged baggage

Qualifying criteria

• Botswana citizen or permanent resident
• Ages Between 18 and 70 years 71 years to 85 years
• FNB Credit Card used to purchase an international airline ticket.

Ways to apply

Other ways to apply

Call us on 3959881 or call toll free 0800 302 302

Documents needed

• Botswana ID book/card
• Proof of residence (in your name, not older than 3 months)

Find a branch

First National Bank of Namibia LTD C/O Fidel Castro & Independence Ave Box 195, Windhoek Tel: 061 2992111 [email protected]

The Parkside branch also services RMB, Homeloans and WesBank clients.

RMB Namibia Tel: 061 2992340

RMB Corporate Banking Tel: 061 2998446 [email protected]

WesBank C/O Fidel Castro & Independence Ave Box 195, Windhoek Tel: 061 2992437 [email protected]

Homeloans C/O Fidel Castro & Independence Ave Box 2150, Windhoek Tel: 061 2992523 / 061 2992524 [email protected]

Private Clients

C/O /Fidel Castro & Independence Ave First Floor Box 285, Windhoek Tel: 061 2992838

C/O Chasie & Frankie Fredericks St, Ground Floor Shop 44, The Grove Mall shopping centre Box 35387, Kleine Kuppe, Windhoek Tel:061 2992222

Southern Industrial Area

P/Bag 5177, Ausspannplatz [email protected]

John Meinert

C/O Independence Ave & John Meinert St Box 23043, Windhoek Tel: 061 299 2222

110 Nickel St, Prosperita Box 285, Windhoek el: 061 2992222

Contact Centre C/O Fidel Castro & Independence Ave Box 285, Windhoek el: 061 2992222

Pick n Pay Complex, Independence Katutura Box 62207, Katutura, Windhoek Tel: 061 2992222 [email protected]

Northern Industrial

16 Nguni St, Northern Industrial Area Box 23043 Tel: 061 299 2222

Private Wealth C/O Fidel Castro & Independence Ave Ground Floor Box 285, Windhoek Tel: 061 2998447

207 Independence Ave, Windhoek Box 285, Windhoek Tel: 061 299 2222

Bureau de Change 207 Independence Ave, Windhoek Box 285, Windhoek Tel: 061 299 2222

First National Bank of Namibia LTD 17 Main St, Box 91 Aranos Tel: 061 299 2222

First National Bank of Namibia LTD BH Complex Main Rd, Box 13407 Eenhana Tel: 061 299 2222

First National Bank of Namibia LTD 44 Church St, Box 14 Gobabis Tel: 061 299 2222

Grootfontein

First National Bank of Namibia LTD Hage Geingob Ave, Box 30 Grootfontein Tel: 061 2992222

Henties Bay

First National Bank of Namibia LTD C/O Jakkalsputz & Duineweg, Box 447 Henties Bay Tel: 061 299 2222

First National Bank of Namibia LTD 79 Main St Tel: 063 270012 Fax: 063 270079

First National Bank of Namibia LTD Main St Hidipo Hamutenya, Box 24 Karibib Tel: 061 299 2222

Katima Mulilo

First National Bank of Namibia LTD Hage Geingob Drive, Erf 329 Katima Mulilo Tel: 061 299 2222

Keetmanshoop

First National Bank of Namibia LTD 76 Hampie Plichta Ave, Box 77 Keetmanshoop Tel: 061 299 2222

First National Bank of Namibia LTD 12 Bismarck St, Box 10 Luderitz Tel: 061 299 2222

First National Bank of Namibia LTD Erf 280 Dr Sam Nujoma Ave, Box 131 Mariental Tel: 061 299 2222

First National Bank of Namibia LTD Nkurenkuru Shopping Mall, Main Rd Tel: 061 299 2222

First National Bank of Namibia LTD Okahao-Tsandi main Road, Box 42 Okahao Tel: 061 299 2222

First National Bank of Namibia LTD Shop 16, Okahandja Shopping Mall, Box 140 Tel: 061 299 2222

First National Bank of Namibia LTD 89 John Tjikuua St, Box 212 Okakarara Tel: 061 299 2222

First National Bank of Namibia LTD Room no 16, Okongo Complex, Box 15216 Okongo Tel: 061 299 2222

First National Bank of Namibia LTD Omuthiya Shopping Centre, Shop no 10 Main Road Omuthiya Box 19281 Omuthiya Tel: 061 299 2222

First National Bank of Namibia LTD 37 Main Rd, First City Centre Box 42, Ondangwa Tel: 061 299 2222

First National Bank of Namibia LTD Tel: 061 299 2222 Area Office

Ongwediva Shop 28-32, Oshana Mall, Main Road, Tel: 061 299 2222 Box 3321, Tel: 061 299 2222

First National Bank of Namibia LTD NDC Park 1, Main Road, P/Bag 3008 Opuwo Tel: 061 299 2222

First National Bank of Namibia LTD 8th Avenue, Box 204 Oranjemund Tel: 061 299 2222

Oshakati Game Game Shopping Complex, King Mandume Road P/Bag 5510, Oshakati Tel: 061 299 2222

First National Bank of Namibia LTD Erf 272, Okatana, Main Road P/Bag 5510, Oshakati Tel: 061 299 2222

FNB Insurance Brokers Namibia (PTY) LTD Office No 8, Oshakati Complex Tel: 061 299 2222

First National Bank of Namibia LTD No 13, Unie St, Box 81 Otavi Tel: 061 299 2222

Otjiwarongo

First National Bank of Namibia LTD 7 George St, Box 64 Otjiwarongo Tel: 061 299 2222

Otjiwarongo Midway Agency Hage Geingob St, Spar Complex, Shop no 2 Tel: 061 299 2222 Box 64 Otjiwarongo

Central North Area Office 196 Hage Geingob St, Box 2047 Otjiwarongo Tel: 061 299 2222 Fax: 067 308805

FNB Insurance Brokers Namibia (PTY) LTD 44 Hage Geingob St, Box 667 Otjiwarongo Tel: 061 299 2222 Fax: 067304438

First National Bank of Namibia LTD Tsandi, Main Road, Box 35 Outapi Tel: 061 299 2222

First National Bank of Namibia LTD Erf 29, Shop 7, President Ave, Outjo Park, Box 16 Outjo Tel: 061 299 2222

First National Bank of Namibia LTD Erf 1, C/O Church & Bahnhoff, Block B, P/Bag 1008 Rehoboth Tel: 061 299 2222

First National Bank of Namibia LTD 2 Lood St, Box 418 Rosh Pinah Tel: 061 299 2222

First National Bank of Namibia LTD Maria Mwengere Street Box 149 Rundu Tel: 061 299 2222

First National Bank of Namibia LTD 16 Tobias Hainyeko St, Box 1 Swakopmund Tel: 061 299 2222

Mondesa 1040 C/O Independence & Mandume Ndemufayo Ave Mondesa, Box

First National Bank of Namibia LTD 74A Presidents Ave, Box 251 Tsumeb Tel: 061 299 2222

First National Bank of Namibia LTD 138 Sam Nujoma Ave, Box1 Walvisbay Tel: 061 299 2222

Kuisebmond Shop 4& 5 Nataniel Mauxuilili Service Centre Kuiseb Mall, Kuisebmond, Box 1819 Kuisebmond Tel: 061 299 2222 Fax: 064 280501

WesBank Finance No 5, 11 Road, Walvisbay Box 2941, Windhoek Tel: 061 299 2222 Fax: 064 203409

FNB Insurance Brokers Namibia (PTY) LTD 116 6 St, Box 1640 Walvis Bay Tel: 061 299 2222 FNB Insurance Brokers complaints fnbibcomplaints@fnbnamibia

Klein Windhoek

No 9 Eaton Heights, Bassingthweighte St Klein Windhoek Box 285, Windhoek Tel: 061 2992222

Maerua Mall

1st Floor, Shop no 37 Maerua Mall Shopping Centre Tel: 061 299 2222

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Daily Banking

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Switch to FNB

Ways to bank, bank better, industry expertise, international banking, integrated tax administration system, product rates, pricing guide, terms + conditions, talk to us + important numbers, fraud + disputes, switch to fnb..., private banking, fnb banking app.

Bank on the go safely and securely with the FNB Banking App. As a registered Online Banking user, you can access the FNB Banking App. Using the free FNB Banking App, you pay no data fees.

Do your day-to-day banking

• View detailed balances and transactions
• Transfer funds between accounts
• Make payments
• Make Cardless Cash withdrawals

You can also buy

• Prepaid airtime
• Prepaid electricity

Visit your App Store to download the FNB Banking App today. Just register and you're on your way. Downloading the FNB Banking App is compatible with Android™ and Apple™.

Terms, conditions, rules + standard network rates apply.

Private Banker

With Private Clients you have your own one-stop, Private Banker who will assist you with all your banking needs. Your Private Banker is supported by a team of specialists which means that with one phone call or email, your personal Private Banker can:

• Assist with all your banking queries as your single point of contact into FNB
• Provide fnancial and wealth management solutions through a team of specialists
• Offer you the best investment solutions to suit your needs
• Assist in arranging forex with FNB
• Assist you to structure your lending in a way that works for you

SLOW Lounge access

SLOW Lounge boasts many features and services, such as freshly brewed coffee, tasty snacks and an abundance of power sockets, high speed Wi-Fi, private studies, spa treatments, and a selection of books and newspapers to enjoy while you wait for your fight or train.

SLOW Lounges are located at the domestic terminals of the O.R. Tambo, Cape Town and King Shaka International Airports as well as at the international terminal of the O.R. Tambo International Airport.

Terms, conditions & rules apply.

Comprehensive Global Travel Insurance

Comprehensive Global Travel Insurance will keep you covered no matter where you go in the world, when you purchase your return travel ticket(s) on your credit card you will get up to N$10 million cover for the first 90 days of your trip. What's more is we will cover up to 8 travel tickets for your travel companions too.

Why do I need this?

Save on your insurance and be conveniently covered for the frst 90 days of your journey. How do I get Comprehensive Global Travel Insurance? To qualify for Comprehensive Global Travel Insurance you require a qualifying FNB Cheque, FNB Fusion or Credit Card with which to pay for your travel ticket.

• Purchase your return travel ticket(s) using your qualifying FNB card
• Contact your Private Banker for Global Travel Insurance
• For emergency assistance while on travel contact Medical Services Organisation (MSO) on: +27 11 521 4575 ('Reverse-charge' your call using this number from anywhere in the world)

This offer is available to FNB Cheque or Credit Card holders, below the age of 70* and credit card holders, who have not yet turned 71* who are residents of any of the below countries: South Africa, Botswana, Lesotho, Namibia, and Swaziland. With Comprehensive Global Travel Insurance you get:

• Up to N$ 10 million cover for medical expenses
• Personal liability cover of up to N$ 2.5 million
• Cover in the event of accidental death, pre-existing medical conditions, total permanent disablement, cancellations, travel delays and lost, stolen or damaged baggage For more information view the Global Travel Insurance Policy together with the Comprehensive Schedule of Benefits

For assistance contact:

For Global Travel Insurance contact your Private Banker Medical Services Organisation (MSO): +27 11 521 4575 ('Reverse-charge' your call using this number when from anywhere in the world) If you are over 70, FNB provides a special type of insurance to suit your needs. For more information view the Global Travel Insurance Policy with the Senior Schedule of benefits. These documents are also available from the Global Travel Helpdesk Please ensure you have a copy of this Travel Policy prior to travelling and ensure you fully understand it

inContact s FNB's transaction notification service that gets sent to your cellphone

inContact offers you the ability to:

• Identify any unauthorised transactions on your accounts.
• Receive messages for transactions on accounts that belong to you only.
• Manage the funds in your accounts.
• Receive messages with details of your multiple debits that are processed overnight i.e. debit orders, stop orders and scheduled payments.

inContact will not send messages for transactions on accounts which you access via a link or mandate. You can register for this service at any FNB branch via Online Banking or by calling 061 299 2838

Report fraud with Smart inContact

Report fraudulent transactions instantly via the FNB Banking App. Alternatively, contact us to report a fraudulent incident: 061 299 2838 or contact your Private Banker.

Lost Card Protection

Lost card? No problem. Manage your cards via the app. Protection in the event of a lost or stolen card. Report a lost or stolen card within 24 hours of the incident and FNB will assist in the event of a non PIN related fraud incident on your account before the card is cancelled. Lost Card Protection may not apply if it is determined that you were careless in protecting your card or PIN.

Personalised interest rates

At FNB we recognise that each person's needs are unique. For this reason we have introduced personalised and competitive debit and credit interest rates. Call us or visit your nearest branch to fnd out more about your personalised interest rate and how you can benefit from this service.

Terms and Conditions apply.

55 Days interest free

Enjoy up to 55 days interest free on purchases made on your straight FNB Credit Card facility. Purchases do not include cash transactions, traveller's cheque purchases and certain forex transactions.

Free Budget Facility

The Credit Card Budget Facility is a convenient feature that allows you to choose from a range of repayment periods from 6 - 60 months It is ideal for making larger purchases and paying it off over longer periods of time. Any purchase in excess of N$200 can be placed on budget. The Budget Facility is linked to your FNB Credit Card and the monthly instalments are directly debited off your straight facility.

Auto Payment Solution

The Credit Card safety net.

Have the convenience of having your credit card account paid on time, every time!

Did you know that FNB Credit Card's Auto Payment Solution allows you to pay your account with ease and serves as a safety net? Have the convenience of having your credit card account paid automatically on time, every time. The Auto Payment Solution works with a 'built in' calculator which takes into account any pre-payments and deducts these amounts from the required debit order amount.

Credit cardholders can select one of six convenient Auto Payment Solutions which will be applied monthly to pay your account:

• Fixed amount - Pay a fixed amount of your choice. This amount cannot be less than the minimum amount owed
• Full amount - Settle the full outstanding balance including your budget instalment(s) for the relevant month
• Full straight statement balance - Settle the full amount outstanding on the straight facility as indicated on your statement monthly
• Minimum payment amount due - Pay only the minimum amount outstanding on your account monthly, ie 5% of your full outstanding balance
• Percentage payment - Select a percentage of outstanding balance to be deducted monthly. This amount can be anything from 5% - 100%

Benefits of an Auto Payment Solution:

• Do not pay any transactional fees/charges on your FNB Credit Card, excluding cash withdrawals, fuel transactions, EFT's and casino transactions
• Save time and money
• Experience convenience and peace of mind knowing your account is paid regardless of where you are

Easy steps to set up an Auto Payment Solution:

• Log on to your internet banking profile and click on My Bank Account , then My Accounts
• Select the relevant credit card and click on Settings
• Then click on Auto Payment Solution and select your Auto Payment Option
• You will then be required to enter the details of the account from which you want to make the payment
• A confrmation screen will pop up, click on Confrm and then Finish

Call the number on the back of your credit card

On the payment due date, your amount payable (as per the payment option you have selected) will automatically be deducted from your bank account and your credit card will be credited subject to one day "uncleared effects"

Debt protection

FNB recognises that you have a real need to protect yourself and your family from outstanding debt on your credit card in the event of your death or permanent disability. With this in mind, Automatic Debt Protection is available to our customers at no additional cost.

Terms and conditions apply.

Online Banking

Online Banking offers the following banking services:

• Transfer funds real-time between your FNB accounts
• Make real-time payments to FNB account holders
• Payments made during business hours to recipients holding accounts at other banks reflect in the account the next day
• Create recurring payments to automatically pay your recipients
• Make cross-border payments
• Future date payments to up to one year in advance
• Submit requests to stop cheques
• Set up and maintain your recipients
• Send a payment advice to any email address
• Reference validation
• View the real-time balances of all your FNB accounts
• View up to 65 days of transaction history on certain accounts
• View any uncleared funds and interest earned on certain accounts
• Manage your investment accounts
• Set up statements delivery online
• You can view and download transaction history real-time

Lost Card Protection and Card Replacement protects you in the event of non-PIN related fraud on your account if your card is lost or stolen. All you need to do is report the loss or theft immediately to the dedicated, 24-hour, toll-free, Lost Card hotline and provide written confirmation of this within 24 hours.

Lost/stolen cards - contact details

Credit and debit card cancellations (061) 299 2999 (all hours)

Schedule of Benefits

Please note: The table of features is a summary of the Travel Policy. It is essential that you obtain a copy of the full Travel Policy prior to commencing your journey. You may contact the Global Travel Insurance Helpdesk on 0861 490 100 and they will arrange for the policy to be sent to you.

Schedule of Benefits for Seniors

Travel insurance for seniors.

• What you get
• Peace of mind - you are covered in the case of emergency
• Up to N$100 000 cover for medical expenses
• Personal liability cover up to N$2.5 million
• View the Schedule of Benefits for Seniors
• Read the Terms and Conditions for Seniors - 48KB *

What you pay

• Up to 31 days - N$435
• Up to 62 days - N$525
• Up to 92 days - N$640

Qualifying criteria

• You need to be between 70 to 75 years of age
• You need to have an FNB Credit Card account

Contact details

• FNB Card Customer Enquiries: +264 61 299 2222 or +264 61 299 2213
• Global Travel Insurance Help Desk: 0027 860 490 100
• The Comprehensive Global Travel Insurance includes medical expenses and personal liability cover and provides cover against personal accident, cancellation, travel delay and lost, stolen or damaged luggage
• By purchasing travel tickets at full fare on an FNB Credit Card, prior to the departure, ticket holders are automatically covered for the first 90 days of the journey

Peace of mind as you are covered in the case of emergency medical expenses and personal liability.

This offer only applies if you are under the age of 70 and buy your travel tickets with an FNB Credit Card. If you are between 70 and 75, we can offer you travel insurance for seniors.

To view the latest schedule of benefits and terms and conditions, visit the Travel Insurance Consultants website on www.tic.co.za or contact a consultant for more information.

Global Travel Insurance Help Desk: 0860 100 484 (RSA) or +27 (0)11 521 4000

Credit cards

Explore the world of private clients.

A Private Clients Credit Card gives you access to exclusive rewards and benefits with the support and exceptional service of a dedicated Private Banker. Simplify your life and enjoy the privileges a Private Clients Credit Card offers.

• Get up to 55 days interest-free credit
• Daily ATM withdrawals of up to N$9000
• Link additional cards to your card account
• View pricing guide

Guarding your banking journey

• Convenience
• Getting it made easy
• Start Application Now

Great things await...

Bank safely and securely with the FNB Banking App.

Your Private Banker

Your single, convenient point of contact with FNB - a trusted and dedicated Private Banker.

Enjoy unlimited access to the luxurious SLOW SA and Bidvest Lounges.

Keeps you covered no matter where you go in the world - for free.

Safer banking is always top of mind, so we've put many measures in place to ensure this. You can cancel your card via the app report fraud instantly.

• Report fraud
• Lost card protection

The features of convenience

Enjoy a range of solutions to help you manage your cash flow.

You get a 55 days interest free period.

Budget facility

Choose a repayment period of between 6 and 60 months.

Automated payments

Never worry about missing a payment, choose from 5 convenient repayment options.

Receive Automatic Debt Protection on the outstanding debt on your credit card.

Applying made easy

Simplify your life.

Earn between N$750 000 and N$1 499 999 per annum or a net asset value of N$10 million

How to get it

Other ways to apply

Contact us on 061 299 2838 In Windhoek, Private Clients, Independence Ave, @Parkside 1st Floor *Visit your nearest branch

Documents needed

• Namibian ID / valid passport with a work permit and employment contract.
• Proof of income

How to Get FNB Travel Insurance & Benefits

First National Bank (FNB) also provides travel insurance services. The company offers general insurance products in both commercial and retail sectors. FNB Travel Insurance provides travel insurance plans for travel and vacation purposes.

• FNB offers a range of travel insurance options to safeguard against unexpected mishaps during your journeys.
• To obtain FNB travel insurance, be a South African citizen or permanent resident aged 18-70, with a cheque account or credit card.
• Purchase insurance through the official website or banking app, following the simple steps outlined in the guide.
• FNB’s travel insurance plans cover a variety of benefits, including medical expenses, emergency assistance, and more.
• Buying FNB travel insurance online offers cashless treatment, mandatory requirement fulfillment, easy plan comparison, and minimal documentation.

In this guide, we’ll walk you through the process of obtaining FNB travel insurance, ensuring you’re well-equipped to make the right choice for your travel needs.

Table of Contents

How to get FNB travel insurance?

Before we delve into how to obtain FNB Travel Insurance, let’s take some time to understand why travel insurance is necessary. Travel insurance functions as a safety net, providing financial protection against unexpected events such as trip cancellations, medical emergencies, and loss of belongings.

It ensures that you won’t get stuck when things don’t go according to plan and won’t be buried under heavy bills. Before discussing travel insurance in detail, I would like to mention that if you own a car and are looking to insure it, FNB Car Insurance could be a good option for you.

Take your overseas travel to the next level ✈️ FNB Private Banking offers amazing travel benefits for you and your family with the FNB Global Account debit card. From discounts on local flights and car rental, to complimentary travel insurance. #FNBPrivateBanking #LoveFNB — FNB South Africa (@FNBSA) December 20, 2022

To get your FNB trip indemnification, you need to meet the following requirements.

• You must be a South African citizen or a permanent resident.
• Age must be between 18 – 70 years not yet 75 (Automatic cover).
• You need to have a cheque account or credit card to pay for your proposed trip tickets.
• Visit the official website to buy travel insurance .
• Scroll down and tap on insurance.
• Select travel insurance.
• Read the terms and conditions.
• Tap on Apply and follow the prompts.

How to Buy Travel Insurance with FNB App

𝐓𝐨 𝐭𝐚𝐤𝐞 𝐮𝐩 𝐚𝐧𝐲 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬, go to the menu section of the FNB App, scroll and click on insurance, select the type of insurance u want, and submit ur application for further assessment. Visit https://t.co/ak6ttzScCS #FNBInsurance #LoveFNB pic.twitter.com/47bbpKhMhv — FNB South Africa (@FNBSA) February 10, 2022

Step 1: First of all login to the Fnb Mobile App. ( Note: If you have not installed the App then read our previous article Register FNB Banking App ).

Step 2: Select Insurance

Step 3: Tap on travel insurance & Apply Now

Step 4: Start your insurance application process

Step 5: Accept the terms and conditions

Step 6: Congratulations

How to access the benefits

• Purchase your return travel ticket(s) using your qualifying FNB card
• Contacting the Global Travel Insurance Help Desk on  0861 490 100 .
• For emergency assistance whilst traveling, contact Medical Services Organisation (MSO) at +27 11 521 4575 (‘reverse-charge your call using this number from anywhere in the world)
• Choosing the Right Plan for You : Once you’re on the FNB travel insurance page, you’ll be presented with a selection of insurance plans. Each plan comes with its own set of features and coverage limits. Take your time to carefully review the details of each plan. Consider factors such as the destination of your trip, the duration of your stay, and the activities you plan to engage in.

If you want to avail the facility of FNB Journey Insurance , how to apply for it online. If you want to know this then please read; my previous post will be very helpful for you in applying.

Fnb Travel Insurance Benefits

Why should you buy Travel Insurance Online?

Buying Fnb travel insurance online has several benefits in this digital era. Take a look at some of the reasons you should buy travel insurance online:

• Cashless Treatment Facility
• Fulfils Mandatory Requirement
• Easier To Compare Plans Online
• No Need For Insurance Agents
• Minimal Documentation
• Buy anytime anywhere contactless
• Emergency hospital cash

List of Qualifying Fnb Credit Cards list

• FNB Aspire Credit Card
• FNB Premier Credit Card
• FNB Private Client Credit Card
• FNB Private Wealth Credit Card
• RMB Private Bank Credit Card
• FNB Fusion Gold Card
• FNB Fusion Premier Card
• FNB Fusion Private Clients Card
• FNB Fusion Private Wealth Card
• FNB Premier Debit Card
• FNB Private Client Debit Card
• FNB Private Wealth Debit Card
• RMB Private Bank Debit Card
• FNB Islamic Premier Debit Card
• FNB Islamic Private Clients Debit Card
• FNB Islamic Private Wealth Debit Card
• FNB Business Platinum Debit Card
• FNB Enterprise Debit Card
• FNB Islamic Business Platinum Debit Card
• FNB Islamic Enterprise Debit Card
• FNB Business Private Clients Debit Card
• FNB/RMB Private Bank Business Debit Card
• FNB Business Gold Credit Card
• FNB Business Platinum Credit Card
• FNB Business Black Credit Card
• FNB Business Lodge Credit Card
• FNB Corporate Gold Credit Card
• FNB Corporate Platinum Credit Card
• FNB Corporate Black Credit Card
• FNB Corporate Lodge Credit Card

FNB Travel Insurance Options

FNB offers various travel insurance plans catering to the needs of different types of travelers. Whether you explore anywhere in the world, embark on business trips, or simply want to enjoy a holiday, FNB Insurance is the best choice for you. Their plans include several benefits such as medical coverage, protection against trip cancellation, reimbursement for lost luggage, and even 24/7 travel assistance.

Free travel Insurance with an FNB credit card

If you have an FNB credit card or are considering getting one, I recommend visiting the official FNB website, contacting their customer service , or referring to the terms and conditions associated with the specific credit card you’re interested in.

Get FREE Global Travel Insurance cover when you use your qualifying FNB card to purchase your international return travel ticket(s). This offer is available to FNB Debit, Fusion, or Credit Card holders below the age of 75 who are residents of any of these countries: South Africa, Lesotho, Namibia, and Swaziland. If you are over 74, FNB provides specific insurance to suit your needs.

Contact & Support

For information on how to activate free trip indemnification on your credit card from FNB call them on the telephone line, 0861 490 100 . They are open 24 hours a day. Customers calling from outside of South Africa should dial +27 11 371 3711 , +27 11 521 4575, and then, followed by 087 when it requests it.

FNB travel insurance has a different process with lots of packages for their subscribers. You can take advantage of this since life is full of eventualities. But then, you should bear in mind that FNB credit card travel insurance is only completed when you contact them after making your journey arrangements.

In a world of uncertainties, FNB travel insurance stands as your safety net, offering support when you need it the most. By following the steps outlined in this guide, you’ve taken a proactive step towards ensuring your travels are not only exciting but also worry-free. Remember, a well-prepared traveler is a confident traveler. So go ahead, explore the world, and let FNB Travel Insurance handle the rest.

Frequently asked questions

To obtain FNB travel insurance, be eligible, visit the official website or use the FNB app, select “Insurance,” choose “Travel Insurance,” read and accept terms, then tap “Apply” and follow the prompts.

You can call now Fnb assistance at 0861 490 100.

Get Fnb Global Travel Insurance coverage when you use your qualifying FNB Cheque or Credit card to purchase your local or international return travel ticket(s). SAVE on your insurance and be conveniently covered for the first 90 days of your journey.

Editorial Note:  The information provided in this article is generic and for informational purposes only. It is not a substitute for specific advice in your circumstances. You are recommended to obtain specific professional advice before you take any/refrain from any action.

Hello friends, my name is RK Singh and I am an engineer. However, by profession, I am a blogger; I have a keen interest in the finance niche. My main goal in starting this blog is to solve the difficulties people face in using online banking, bank branch codes, debit cards, and credit cards. I am not affiliated with any bank or company. I strive to provide people with accurate information so that they can achieve their goals correctly. If you still have any queries, please feel free to follow my social media accounts listed below and ask questions without hesitation. Thanks.

For More Information, Please Follow Me On Social Media.

Private Clients FNB Credit Card

Discover the Benefits of the New FNB Private Clients Credit Card – Learn Why This Card Stands Out!

FNB Private Clients Credit Card is an advantageous option for those meeting income requirements and seeking exclusive benefits. It offers access to Rewards Programs, global travel insurance, and other perks to enhance your lifestyle. Manage your finances effectively and enjoy elite services.

Travel with confidence and make everyday purchases effortlessly. The comprehensive travel insurance and Rewards Programs maximize your benefits. This card is perfect for those who value functionality and luxury.

Discover how the FNB Private Clients Card combines convenience and exclusive privileges in one powerful package.

Top Benefits of the Private Clients FNB

• eBucks Rewards: Earn eBucks rewards when shopping at partners like Takealot, Checkers, Engen, iStore, and Clicks. Maximize your spending with up to 40% back on FNB Life Insurance premiums and other purchases.
• Travel Benefits: Enjoy up to 8 complimentary lounge visits per year at domestic and international SLOW Lounges. Additionally, benefit from discounted flights and car hire when booked through eBucks Travel.
• Comprehensive Protection: Get Automatic Debt Protection up to R12,000 in the event of death or permanent disability, and Purchase Protect offers cover for items purchased using your virtual credit card up to R12,500.

Why the Private Clients FNB Card is Worth Having

The FNB Private Clients Card is recommended for those seeking exclusive benefits and an enhanced financial experience. This card offers access to Rewards Programs, global travel insurance, and other perks that elevate your lifestyle.

With the FNB Private Clients Credit Card, you can travel with confidence, knowing you’re protected by comprehensive travel insurance. This ensures peace of mind during your trips, allowing you to make the most of every moment.

The Rewards Programs let you maximize the benefits of your daily spending. Accumulate points and enjoy exclusive advantages that make your purchases more rewarding and enjoyable.

Ideal for those who value functionality and luxury, this card offers elite services that simplify financial management. Enjoy the benefits of a card designed to meet your unique needs and experience unmatched convenience and privileges.

Security Features of the Private Clients FNB Card

The FNB Private Clients Credit Card is a secure choice for those seeking protection and exclusive benefits. This card is equipped with advanced security technology, including EMV chip and fraud protection, ensuring your transactions are safe and secure.

FNB is a renowned bank with a long history of trust and innovation in the financial sector. Backed by a solid bank, you can be confident that your card is managed with the highest standards of security and efficiency.

Additionally, the FNB Private Clients Card offers real-time alerts to monitor your transactions and ensure any suspicious activity is detected immediately. This added layer of security provides peace of mind with every purchase.

The FNB Private Clients Card combines the reliability of a leading bank with cutting-edge technology to offer a safe and convenient experience. Enjoy peace of mind and exclusive benefits by applying for your card.

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FNB Credit Card Review

Overall, First National Bank can be summarised as a leading financial institution with a rich history that spans over a century. that offers access to Credit Cards , Travel Insurance, and Investment Opportunities plus Multiple Account Types and services for Personal, Business, and Corporate Banking. First National Bank credit cards stand out for their competitive rates, flexible terms, and value-added benefits.

FNB Credit Cards – Analysis of Providers Main Features

• ☑️ FNB Credit Cards – Overview
• ☑️ Applying for a FNB Credit Card
• ☑️ Managing and Using FNB Credit Cards
• ☑️ The Benefits of FNB Credit Card Options
• ☑️ FNB Cashback Rewards Program
• ☑️ FNB Travel Benefits
• ☑️ FNB Enhanced Security Features
• ☑️ Access to Exclusive Offers and Discounts
• ☑️ Tips on Maintaining and Improving Your Credit Score with FNB Credit Cards
• ☑️ How FNB is Disrupting Traditional Banking Models
• ☑️ FNB Mobile App Overview and Features
• ☑️ Importance of Choosing the Right Credit Card
• ☑️ In Conclusion
• ☑️ Frequently Asked Questions

Get a credit card with personalised interest rates and much, much more.

Fill in some quick details and we'll call you.

Get the credit card that gives you:.

10% to 75% off flights. Plus, Priority Fast Track so you can skip airport queues.

10% to 25% off accommodation and car hire

Access to The Lounge, our exclusive pre-flight experience with SAA's airport lounges

• Up to 75% back on healthy groceries at Pick n Pay or Woolworths
• Up to 50% back on HealthyCare items from Clicks or Dis-Chem
• Up to 20% back in Ðiscovery Miles on qualifying fuel spend and Uber rides
• Up to 30% off when you shop with Ðiscovery Miles on Miles D-Day
• Dynamic Interest Rates - where you pay less on your credit

FNB Credit Cards – Overview

FNB offers access to a wide range of credit card options, including Aspire, Premier, Private, and, Private Health options.

FNB Aspire Credit Card

The FNB Aspire Credit Card is designed to offer great benefits to its holders. These benefits include free comprehensive global travel insurance and automatic debt protection. The card also offers a higher credit limit, allowing cardholders to manage their finances.

FNB Aspire Credit Card Features and Benefits

The FNB Aspire Credit Card comes packed with the following features and benefits:

• ✅ Up to 30 days interest -free on card purchases.
• ✅ The ability to unlock and earn additional eBucks.
• ✅ Full day-to-day banking transactions.
• ✅ Unlimited card swipes.
• ✅ The ability to make purchases with your Virtual card on the App.
• ✅ Purchase Protect offers cover for items purchased using your FNB Aspire Virtual Credit Card up to R7 500 per claim for 30 days from the date of purchase at no extra cost to you.
• ✅ Enjoy 2 Slow Lounge visits per year.

Finally, access to unlimited virtual cards at no extra cost – ideal for online shopping with added safety because of its dynamic 3-digit CVV that changes regularly.

FNB Aspire Credit Card Eligibility criteria

• ✅ An annual income of between R84,000 – R449,000.

FNB Aspire Credit Card Fees and Interest Rates

• ✅ Monthly fee: R45
• ✅ Credit facility service fee: R17
• ✅ Initiation fee (once-off): Up to a maximum of R175
• ✅ Additional card fee: R17.50
• ✅ Cash withdrawals: Information not provided in the document
• ✅ FNB Credit Card purchases: No charge
• ✅ FNB Credit Card budget purchases: No charge
• ✅ Fuel transaction fee (FNB Petro Cards only): R6.25

FNB Credit Card customers can obtain a tailored and personalized interest rate for a credit card, meticulously determined based on individual credit profile and financial capability.

This exclusive offering ensures that the interest rate applied to credit cards aligns precisely with each customer’s unique circumstances, providing them with a truly customized and favorable financial solution.

FNB Premier Credit Card

The FNB Premier Credit Card provides instant access to a team of dedicated private bankers ready to assist anytime. The card is personalized to suit the lifestyle and financial needs of the cardholder, enhancing the banking experience.

FNB Premier Credit Card Features and Benefits

The FNB Premier Credit Card comes packed with the following features and Benefits:

• ✅ Get eBucks Rewards and up to 8 free SLOW Lounge visits per year, plus 12 bonus visits per year, when you book your flights through eBucks Travel.
• ✅ Pay without using a plastic card. Virtual cards can be used without a physical card for FNB Pay (Tap to Pay and Scan to Pay) and all partner wallet transactions, including Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, and SwatchPAY!
• ✅ A customized interest rate with up to 55 days of interest-free financing.
• ✅ Purchase Protect provides coverage for purchases made with your FNB Premier Virtual Credit Card up to R10,000 per claim for 30 days from the date of purchase at no additional cost.
• ✅ Free global travel insurance to cover medical expenses incurred while traveling abroad.
• ✅ Access to a budget facility with repayment terms between 6 and 60 months for purchases exceeding R200.
• ✅ Pay your unforeseen medical expenses at the prime rate of interest.

and much, MUCH more!!

FNB Premier Credit Card Eligibility criteria

• ✅ An annual income of between R350,000 – R849,000.

FNB Premier Credit Card Fees and Interest Rates

• ✅ Access to unlimited FNB Virtual Cards at no extra cost – ideal for online shopping with added safety because its dynamic 3-digit CVV changes regularly.
• ✅ There is no charge on 1 additional card; after that, R18.50 per card is linked to the account.
• ✅ Credit card budget purchases at no charge.
• ✅ Credit facility service fee of R17.
• ✅ Initiation fee (once-off) up to a maximum of R175.
• ✅ FNB Premier Credit Card monthly account fee of R82.

FNB Private Clients Credit Card

The FNB Private Clients Credit Card offers exclusive lifestyle benefits and rewards. Cardholders have access to their private banker and can earn rewards through the eBucks Rewards Program. This card caters to FNB’s private clients’ unique needs.

FNB Private Clients Credit Card Features and Benefits

• ✅ No monthly account fee and facility fee for your FNB Private Clients Credit Card if bundled with your matching FNB Fusion, Single Facility®, or Current Account.
• ✅ Access specialist lending expertise and services to help you meet your unique financial needs and aspirations.
• ✅ Interest rates are personalized to you and appear on the FNB Fusion Private Clients Account, Single Facility, and credit card statement.
• ✅ A credit facility service fee is charged monthly for the routine administration of maintaining your credit facility.
• ✅ A credit card monthly account fee is charged monthly for the administration and maintenance of your credit card account.

FNB Private Clients Credit Card Eligibility Criteria

• ✅ An annual income of between R750,000 – R1,799,999.

FNB Private Clients Credit Card Fees and Interest Rates

• ✅ Credit Facility Service Fee: R171 per month. This fee is charged for the administration and maintenance of your Credit Facility. This fee is included in the FNB Fusion Private Clients and Current Account / Single Facility® monthly account fee.
• ✅ Initiation Fee (once-off): Up to a maximum of R175.
• ✅ FNB Private Clients Credit Card Monthly Account Fee: R143 per month. This fee is charged for administering and maintaining your Credit Card account. This fee is included in the FNB Fusion Private Clients and Current Account / Single Facility® monthly account fee.
• ✅ Additional Card Fees: First 3 cards at no charge. After that, R18.50 per card per month.
• ✅ eBucks Rewards Membership: No charge.

FNB Credit Card customers can obtain a tailored and personalized interest rate for a credit card, meticulously determined based on the individual credit profile and financial capability.  This exclusive offering ensures that the interest rate applied to credit cards aligns precisely with each customer’s unique circumstances, providing them with a truly customized and favorable financial solution.

FNB Private Wealth Credit Card

The FNB Private Wealth Credit Card offers a personalized rate of up to 55 days interest-free. Cardholders enjoy extensive airport lounge access for themselves and their guests. The card also offers unbeatable rewards, enhancing the value proposition for FNB’s wealthier clients.

FNB Private Wealth Credit Card Features and Benefits

The FNB Private Wealth Credit Card comes packed with the following features and benefits:

• ✅ The FNB Private Wealth Credit Card is the ideal transactional banking instrument, providing lifestyle-tailored benefits and a competitive personal interest rate.
• ✅ Access to a dedicated Private Advisor, Private Analyst, and a team of specialists who collaborate with you and your family to help you realize your future goals and create a legacy.
• ✅ The singular account fee includes an FNB Money Maximiser account, a Local/Global trader account, a Non-Juristic Trading account, a Global account, and eBucks.
• ✅ The FNB Fusion Private Wealth Account or FNB Private Wealth Credit Card offers an exclusive metal card.
• ✅ The FNB Fusion account gives you and your family access to credit for a single monthly account fee.
• ✅ The FNB Fusion account simplifies your banking and provides a line of credit to help you manage unexpected expenses.
• ✅ Up to 30 days without interest on purchases.
• ✅ FNB also offers an FNB Islamic Private Wealth Current Account with comparable value-added features, reward perks, and pricing to the FNB Private Wealth Current Account. With Islamic Banking, your Islamic Savings Account comes with a competitive monthly profit share.

and much, MUCH more!

FNB Private Wealth Credit Card Eligibility Criteria

• ✅ Annual income of R1,800,000>.

FNB Private Wealth Credit Card Fees and Interest Rates

• ✅ Credit facility service fee: R1722 (charged monthly for the administration and maintenance of your Credit Facility. This fee is included in the FNB Fusion Private Wealth and Current Account/Single Facility® monthly account fee).
• ✅ Initiation fee (once-off): Up to a maximum of R175.
• ✅ FNB Private Wealth Credit Card monthly account fee: R258.
• ✅ Additional card fees: First 5 cards are free; after that, R18.50 per monthly card.
• ✅ Linked Petro Card (per card linked to the account): R29.50.
• ✅ eBucks rewards membership: No charge.
• ✅ Card delivery fee: No charge for courier delivery 8 am or 5 pm), R260 for urgent delivery, no charge for branch delivery, R730 for international delivery, and R150 for scheduled delivery.
• ✅ Card replacement fees: R125 for FNB Private Wealth Debit Card/FNB Fusion Private Wealth Card, R110 for temporary card replacement, and R125 for FNB Petrol Card.

FNB Petro Credit Card

The FNB Petro Credit Card is designed for those who frequently travel by road. As an FNB Petro Card holder, you will get free automatic AA Emergency Roadside Assistance, ensuring you’re never stranded. This card offers a unique blend of benefits tailored to meet the needs of motorists.

FNB Petro Credit Card Features and Benefits

The FNB Petro Credit Card comes packed with the following features and benefits:

• ✅ The FNB Standalone Petro Card caters to your vehicle fuel, maintenance, and toll expenditures, providing you with the assistance you need when you need it.
• ✅ The monthly account fee includes the credit facility, service charge, and credit card account fee.
• ✅ Obtain access to a credit facility account and a transactional account linked to a single Petro card, granting you unmatched convenience and versatility.
• ✅ Cost-free subscription to inContact. This implies that FNB will send you an SMS whenever your account receives or expends more than R100.
• ✅ Free FNB Mobile Banking, Internet Banking, Telephone Banking, and the FNB App subscription.
• ✅ Balance inquiries through FNB Mobile Banking, Online Banking, Telephone Banking, and the FNB App.
• ✅ PIN replacement.
• ✅ Monthly payments are made automatically, providing the convenience of having your account paid on time.
• ✅ Make secure purchases with your chip-and-PIN Petro card.
• ✅ Simple, intelligent, and convenient contactless payments – Simply waiving your card before a contactless-enabled Point-of-Sale (POS) terminal enables you to make quick and secure payments for low-dollar purchases.

FNB Petro Credit Card Eligibility criteria

• ✅ A minimum annual income of R80,000.

FNB Petro Credit Card Fees and Interest Rates

• ✅ Credit facility service fee: R17 per month
• ✅ Monthly account fee: R44
• ✅ Additional card fee: R20
• ✅ Credit card budget purchases: No charge
• ✅ Fuel transaction fee: R6.25
• ✅ Voucher retrieval request: R105 for local, R295 for international
• ✅ Declined transaction fees: R8
• ✅ Card replacement fee (per card): R150
• ✅ International card delivery: R760
• ✅ Courier Delivery: No charge
• ✅ Urgent delivery: R265
• ✅ Branch Delivery: No charge
• ✅ Schedule delivery: R160 (Scheduled delivery will be free if KYC documentation needs to be collected.)

FNB Credit Card customers can obtain a tailored and personalized interest rate for a credit card, meticulously determined based on individual credit profile and financial capability.  This exclusive offering ensures that the interest rate applied to credit cards aligns precisely with each customer’s unique circumstances, providing them with a truly customized and favorable financial solution.

Applying for a FNB Credit Card

The straightforward application procedure for an FNB credit card can be initiated online, over the phone, or in person at an FNB branch . The bank offers a variety of credit cards, each of which is tailored to various lifestyles and financial needs.

Consequently, it is essential to compare the features and benefits of each card to determine which one meets your requirements the best.

✅ Eligibility requirements:

Depending on the type of credit card, specific eligibility requirements may vary. Still, applicants must generally be at least 18, possess a valid South African identification card, and verify income.  Furthermore, approval is contingent upon credit reviews and other bank policies.

✅ Application process:

You must provide your name, contact information, employment history, and financial information during the application procedure. This information is utilized to determine your creditworthiness and credit limit.

✅ Required documents:

Typically, the following are required for a credit card application:

• ✅ A certified South African identification document
• ✅ Documentation of residency, such as a utility receipt
• ✅ Evidence of earnings, such as recent pay stubs or bank statements

✅ Approval and credit limit considerations:

The approval of a FNB credit card is contingent upon a credit check. The bank will assess your ability to repay the credit card balance based on your credit history, income, and other financial information.

Your credit limit will be determined by several factors, including your income, credit history, and the type of credit card you apply for.

Managing and Using FNB Credit Cards

✅ Card activation and PIN setup

Activating your FNB credit card is a straightforward procedure that can be completed online, by phone, or at a FNB ATM. You will be prompted to create a Personal Identification Number (PIN) for your card during activation.

Certain transactions, such as cash withdrawals at ATMs and purchases at point-of-sale (POS) terminals, will require this PIN.

✅ Understanding the credit limit and available credit

The credit limit on your FNB credit card represents the maximum quantity you can charge. This limit is based on your creditworthiness as of the application date.

It is essential to comprehend that your available credit equals your credit limit minus any outstanding balance. Using the FNB online banking portal or mobile app, you can verify your credit limit and available credit anytime.

✅ Making payments and due dates

You can make payments on your FNB credit card through multiple channels, including online banking, mobile banking, and FNB branches .

To avoid late fees and maintain a decent credit history, making at least the minimum payment by the due date each month is crucial. If submitted before 5 p.m. Central Time, payments will be posted to your account the same day.

✅ Managing card transactions and statements

FNB provides an intuitive online platform for managing your card transactions and statements. You can access your transaction history, balance, and periodic statements. This makes it simple to monitor expenses and manage your account.

✅ Reward redemption options

FNB credit cards feature a rewards program that allows cardholders to receive points for every dollar spent on eligible purchases.

These points are redeemable for cash back, gift vouchers, travel rewards, and more. The precise redemption options may differ based on the type of card and the available rewards.

The Benefits of FNB Credit Card Options

Below are some of the benefits offered by FNB’s Credit Cards :

• ✅ Versatile Credit Limits: FNB presents a diverse range of credit cards, each tailored to accommodate various income levels and spending habits. This adaptability empowers customers to select the card that perfectly aligns with their unique financial circumstances.
• ✅ Rewards Program: FNB credit cardholders can take advantage of the bank’s comprehensive rewards program, eBucks. By making qualifying purchases, customers accumulate eBucks, which can later be redeemed for various goods and services.
• ✅ Interest-Free Grace Period: FNB extends an interest-free grace period on purchases, given that the outstanding balance is paid in full before the monthly due date. This valuable feature facilitates effective monetary management for customers.
• ✅ Enhanced Security Measures: FNB credit cards incorporate advanced features such as chip and PIN technology and 3D Secure for online transactions. These robust safeguards grant customers peace of mind during their payment activities.
• ✅ Global Acceptance: FNB credit cards, operating within the Visa and Mastercard networks, enjoy widespread acceptance at millions of locations worldwide. This exceptional global reach makes FNB credit cards an excellent choice for international travelers.
• ✅ Convenient Online and Mobile Banking: FNB delivers robust online and mobile banking platforms, empowering credit cardholders to effortlessly oversee their accounts, make payments, and review transactions at their convenience, anytime and anywhere.
• ✅ Budget-friendly Facility: FNB credit cardholders gain access to a budget-friendly facility, enabling them to make significant purchases and gradually pay them off over a predetermined period. This feature simplifies the management of larger expenses.
• ✅ Complimentary Perks: Depending on the specific card type, FNB provides additional benefits such as complimentary access to airport lounges, travel insurance coverage, and personalized concierge services.

FNB Cashback Rewards Program

The FNB Cashback Rewards Program offered by First National Bank (FNB) is a key feature of their credit card offerings.  Designed to reward customers for their everyday spending, this program, often called the eBucks Rewards Program, is a multi-faceted system that provides real value to FNB’s credit cardholders.

✅ How the FNB cashback rewards program works:

The eBucks Rewards Program works on a simple principle: the more you use your FNB credit card, the more you earn.

A certain percentage is returned to the cardholder as eBucks for every qualifying purchase made using the card. These eBucks can then be redeemed for a wide range of goods and services, giving cardholders a ‘cashback’ on their spending.

✅ FNB Cashback Rewards Eligibility and Earning Potential:

Eligibility for the eBucks Rewards Program is straightforward. All FNB credit cardholders are automatically enrolled in the program. However, to start earning eBucks, cardholders must first meet certain qualifying criteria.  This typically involves using your FNB credit card for a certain number of transactions or reaching a specific spending threshold each month.

Understanding how to earn and maximize your eBucks is crucial to getting the most out of the program. Earning potential is determined by a tiered system, which is based on the cardholder’s level of engagement with FNB’s products and services.

The more products and services you use, the higher your rewards level and the more eBucks you can earn. This tiered system encourages customers to consolidate their banking and financial services with FNB, increasing their earning potential.

Moreover, FNB often runs promotions and exclusive offers that allow cardholders to earn extra eBucks or discounts when they spend their eBucks at certain retailers.  This not only enhances the value of the rewards but also provides an incentive for cardholders to use their FNB credit card more frequently.

• ✅ eBucks: The primary earning from the program is eBucks, which are reward points that can be redeemed for a wide range of goods and services.
• ✅ Discounts on Fuel: You can use your eBucks to get discounts on fuel at participating service stations.
• ✅ Grocery Savings: eBucks can be redeemed for grocery discounts at selected retailers.
• ✅ Travel Rewards: eBucks can be used to book flights, car rentals, and hotel stays, often at discounted rates.
• ✅ Electronics and Appliances: You can use your eBucks to purchase electronics and appliances from selected retailers.
• ✅ Lifestyle Experiences: eBucks can be redeemed for various lifestyle experiences, such as dining, spa treatments, and entertainment.
• ✅ Online Shopping: eBucks can be used online at various e-commerce platforms.

Finally, you can donate your eBucks to a charity of your choice.

FNB Travel Benefits

FNB does not provide extensive travel benefits but offers travel insurance to clients. Clients can experience worry-free journeys across the globe with FNB’s exceptional Global Travel Insurance and FNB’s travel deals.

✅ FNB Travel Insurance:

As an FNB Debit, Fusion, or Credit Card holder below the age of 75 and a resident of South Africa, Lesotho, Namibia, or Swaziland, you are eligible to receive free Global Travel Insurance when you use your qualifying FNB card to purchase international return travel tickets.  Furthermore, FNB offers specialized insurance options to customers 75 and older, tailored to their unique needs.

Below are a few benefits of FNB’s travel insurance:

✅ Emergency Medical & Related Expenses:

• ✅ Coverage up to R5,000,000 for international emergencies.
• ✅ No excess for in-patient expenses, ensuring peace of mind during hospitalization.
• ✅ Out-patient expenses are covered with a minimal excess of R2,000.
• ✅ All necessary medical transportation, repatriation, and evacuation expenses are included.
• ✅ Compassionate emergency visits, repatriation of children, and travel companion services provided.
• ✅ Comprehensive coverage for burial, cremation, or the return of mortal remains.
• ✅ Daily hospital cash benefit of up to R3,000, assisting with unexpected hospital costs.
• ✅ Dental cover up to R2,000, with a minimal excess of R350.
• ✅ Quarantine expenses covered up to R30,000, offering financial support during unexpected situations.

✅ Pre-existing Emergency Medical Expenses (Up to age 70 years):

• ✅ Extensive coverage of up to R500,000 for pre-existing in-hospital medical expenses.
• ✅ All medical transportation, repatriation, and evacuation expenses are covered.
• ✅ Compassionate emergency visits, repatriation of children, and travel companion services included.

✅ Accidental Death & Permanent Disablement:

• ✅ Coverage of R250,000 for accidental death, ensuring financial security for loved ones.
• ✅ Coverage of R750,000 for accidental permanent disablement, providing support during unforeseen circumstances.
• ✅ Complete coverage for accidental death and permanent disablement due to war and terrorism.

✅ Emergency Assistance Services:

• ✅ Comprehensive emergency assistance services are provided for covered events, ensuring support during unforeseen situations.

✅ Enjoy Worldwide Coverage:

• ✅ FNB Global Travel Insurance offers worldwide coverage (excluding the USA) for travel durations ranging from 1 to 90 days. Wherever your adventures take you, FNB has you covered.

✅ FNB Travel Deals:

Furthermore, FNB credit cards open the door to exclusive travel benefits and offers. These coveted perks encompass enticing discounts on airfares, luxurious hotel accommodations, convenient car rentals, and even enticing vacation packages.

Moreover, select FNB credit cards extend the luxury of complimentary access to airport lounges, elevating the travel experience by providing a serene and comfortable environment for relaxation and rejuvenation.

FNB Enhanced Security Features

Security is paramount for all credit card consumers in the digital age. First National Bank (FNB) is aware of this and has implemented enhanced security measures to safeguard its credit cardholders against fraud and unauthorized transactions.

In addition to providing a secure transaction environment, these features give cardholders peace of mind when using their FNB credit cards .

✅ Chip and PIN Technology

Chip and PIN technology is one of the most essential security elements of FNB credit cards. This technology substitutes an embedded microchip for the traditional magnetic stripe on the rear of the card. The chip is encrypted, and counterfeiting it is extremely difficult.

The cardholder must submit a Personal Identification Number (PIN) to verify their identity during a transaction. This two-factor authentication process – something you have (the card) and something you know (the PIN) – reduces the risk of fraud by a significant margin.

✅ 3D Secure for Online Purchases

Additionally, FNB offers 3D Secure for online purchases. This is an additional layer of security for credit and debit card transactions conducted online.  The cardholder is prompted to input a One-time PIN (OTP) or password to authenticate the transaction when purchasing online from a 3D Secure merchant.

This OTP is sent to the cardholder’s registered mobile number to ensure that only the authorized cardholder can complete the transaction.

✅ Fraud Detection and Alerts

FNB has comprehensive systems to monitor your credit card for unusual activity. If the system detects an out-of-the-ordinary transaction, it will identify it as potentially fraudulent. The bank might then temporarily restrict the card and contact the cardholder to confirm the transaction.

FNB also provides real-time notifications for all credit card transactions. These alerts, which can be sent via SMS or email, enable cardholders to track their spending and promptly identify unauthorized transactions.

✅ Online and Mobile Banking Security

The online and mobile banking platforms of FNB utilize the most advanced encryption technology to safeguard sensitive data. Cardholders can view their account information, make payments, and conduct other banking transactions without fear of intercepting their data.

In addition, FNB offers additional security features for mobile banking, such as biometrics and facial recognition, to ensure that only you can access your account.

✅ Card Replacement Service

The bank provides a prompt card replacement service if a FNB credit card is lost or stolen. The lost or stolen card is promptly deactivated to prevent unauthorized use, and the cardholder receives a replacement card.

Access to Exclusive Offers and Discounts

First National Bank (FNB) provides its credit cardholders with many exclusive offers and discounts in addition to conventional banking services. These benefits are a part of FNB’s strategy to improve the customer experience and bring value to their credit card products. They range from discounts on shopping and dining to travel offers and leisure experiences.

✅ Shopping Discounts:

FNB credit cardholders are frequently eligible for exclusive purchasing discounts at various retail partners. These can include discounts on apparel, electronics, and other products. By making these purchases with their FNB credit card, cardholders can save money and maximize their expenditures.

✅ Dining Offers:

FNB also collaborates with various restaurants and dining establishments to offer its credit cardholders exclusive deals. These can include discounts on meals, complimentary dishes, and holiday-specific promotions.

✅ Travel Deals:

FNB credit cards can provide access to exclusive travel offers for avid travelers. These may include airfare discounts, hotel accommodations, car rentals, and vacation packages.

Some FNB credit cards also provide complimentary access to airport lounges, making travel more comfortable and relaxing.

✅ Lifestyle Experiences:

FNB recognizes that its clients have diverse hobbies and interests. Consequently, they provide a variety of lifestyle experiences for their credit cardholders only. These can include discounted concert, theatre, and sporting event tickets and access to unique events and experiences.

✅ eBucks Rewards Program:

The eBucks Rewards Program is another way for FNB credit cardholders to access exclusive offers and discounts. Cardholders can receive discounts on various products and services, from fuel and groceries to travel and electronics, by accumulating and spending eBucks.

✅ Partner Offers:

FNB frequently collaborates with various business partners to offer credit cardholders exclusive promotions. These can range from telecommunications companies offering discounted data plans to insurance companies offering discounted rates to FNB customers.

Tips on Maintaining and Improving Your Credit Score with FNB Credit Cards

Maintaining and improving your credit score is essential for your financial well-being. Here are some tips on what to do and what to avoid when using your FNB credit cards to help maintain and improve your credit score:

To Maintain and Improve your credit score with FNB Credit Cards you should:

• ✅ Make timely payments: Ensure you pay your credit card bills on time to avoid late fees and negative impacts on your credit score. Consider setting up automatic payments or reminders to help you stay on track.
• ✅ Maintain a low credit utilization ratio: Aim to keep your credit utilization ratio, which compares the amount of credit you use to your total available credit, as low as possible. You should not use more than 30% of your available credit to demonstrate responsible credit usage.
• ✅ Regularly monitor your credit: Stay informed about your credit status by checking your credit reports and scores. This will help you identify any errors or potentially fraudulent activity. FNB offers credit monitoring services that can assist you in staying updated on changes in your credit profile.
• ✅ Use credit responsibly: Only charge what you can afford to repay and avoid maxing out your credit cards. Use your credit cards for necessary expenses and emergencies rather than excessive or impulsive spending.

Finally, Maintain a long credit history. The length of your credit history can positively impact your credit score. Consider keeping older credit card accounts open to demonstrate a longer credit history, even if you do not use them frequently.

To Maintain and Improve your credit score with FNB Credit Cards you shouldn’t:

• ✅ Avoid missing payments: Late or missed payments can significantly harm your credit score. Make every effort to pay at least the minimum amount due on time each month.
• ✅ Steer clear of excessive credit applications: Applying for multiple credit cards or loans within a brief period can harm your credit score. Only apply for credit when necessary and space out your applications.
• ✅ Do not close old credit card accounts: Closing old ones can shorten your credit history and potentially increase your credit utilization ratio. Unless these accounts come with high fees or a specific reason to close them, you should keep them open.
• ✅ Refrain from maxing out your credit cards: Maxing out your credit cards or carrying high balances can negatively affect your credit score. Aim to keep your balances low and strive to pay off your credit card bills in full whenever possible.

Finally, Do not ignore credit issues. If you encounter financial difficulties, contacting your creditors or FNB as soon as possible is important to discuss potential solutions. Ignoring credit issues can lead to further damage to your credit score.

How FNB is Disrupting Traditional Banking Models

FNB , or First National Bank , is one of the largest financial institutions in South Africa. It has been at the forefront of disrupting traditional banking models in several ways:

• ✅ Digital Banking: FNB was one of the first banks in South Africa to offer a comprehensive suite of online banking services. This includes basic services like checking account balances and transferring funds and more advanced features like applying for loans, managing investments, and even buying and selling homes.
• ✅ Mobile Banking: FNB has also been a leader in mobile banking. Its app allows customers to do everything they can online but from their mobile devices. This includes unique features like geo-payments, allowing users to pay for goods and services based on location.
• ✅ Innovative Products and Services: FNB has been known to launch innovative products and services that challenge traditional banking models. For example, it launched eBucks, a rewards program that gives customers points for using FNB’s services, which can be redeemed for a wide range of goods and services.
• ✅ Financial Inclusion: FNB has tried bringing banking services to underserved communities. This includes offering accounts with low fees, providing financial education, and even launching a mobile bank branch that can travel to remote areas.
• ✅ Use of AI and Data Analytics: FNB uses artificial intelligence and data analytics to improve its services. This includes using machine learning algorithms to detect fraudulent transactions and analyzing customer data to offer personalized financial advice.

These are just a few examples of how FNB disrupts traditional banking models. The bank’s focus on digital innovation, customer-centric products, and financial inclusion has set it apart in the banking industry.

FNB Mobile App Overview and Features

Banking on the FNB Mobile App offers a fast, easy, and convenient way to manage your finances from the comfort of your home or on the go. With a wide range of features and services, you can access everything you need right at your fingertips.

✅ Accounts + Balances:

Stay informed about your finances with ease. The app allows you to view the balances of all your linked accounts, including day-to-day accounts, investments, loans, and rewards. Additionally, you can track the movement of your money by accessing your transaction history.

✅ Transfers and Payments:

Effortlessly move your funds between accounts in just a few simple steps. The app provides a seamless transfer experience, allowing you to select the relevant accounts, enter the desired amount, and include a reference for your records.  You can also review your transfer history to keep track of your transactions.

✅ Payments and eWallets:

Make payments conveniently and securely through the app. Whether it is a one-time payment or a recurring bill, you have multiple options available. You can pay beneficiaries, create, and manage payment beneficiaries, make public payments to entities like SARS or Eskom, and even use FNB Pay for contactless payments. The app also enables global forex payments, eWallet transfers, and payment scheduling for added flexibility.

Send money instantly to anyone in South Africa, Zimbabwe, Mozambique, Lesotho, or Swaziland using only their cellphone number. The app’s eWallet feature provides a convenient way to transfer funds, and it also offers cardless cash withdrawals, allowing you to access cash quickly when needed.

✅ Global Payments:

Effortlessly make international payments and receive foreign currency. The app supports global payments, ensuring secure and convenient transactions. Furthermore, you can earn eBucks on transaction fees when sending or receiving foreign currency.

Additionally, GEO payments allow you to send or receive money to individuals nearby with the FNB Banking App.

✅ Manage Your Account:

Take control of your accounts with the app’s account management features. You can easily manage your cards, including ordering new cards, canceling them, updating limits, and viewing PINs.

Debit orders and cheques can be managed effectively, with options to view and stop debit orders and stop cheques. Account settings allow you to customize your experience, such as receiving email statements and changing account nicknames.

Importance of Choosing the Right Credit Card

Choosing the right credit card is of utmost importance when managing your finances effectively and maximizing the benefits of credit card usage.

✅ Financial Health:

A credit card should be compatible with your financial goals and lifestyle. Determine the most advantageous credit card features based on your spending patterns, repayment capabilities, and financial priorities by analyzing your spending habits, repayment abilities, and financial priorities.

If you frequently travel, for instance, a credit card with travel rewards and airline perks would be preferable to one with cashback benefits.

✅ Rewards and Benefits:

Credit cards have various rewards programs and perks that can significantly improve your financial experience. Consider credit cards with rewards and perks corresponding to your preferences and spending habits.

Choose a card that offers the most value to you, whether it is cashback on specific categories, discounts at partner merchants, or travel perks such as lounge access and travel insurance.

✅ Interest Rates and Fees:

Understanding the interest rates and fees associated with a credit card is essential for avoiding unnecessary expenses.

Compare various credit cards’ annual percentage rates (APR), balance transfer fees, foreign transaction fees, and late payment fees. Choose a card with competitive interest rates and low fees to reduce the total cost of credit.

✅ Credit Score Impact:

Your credit card usage significantly impacts establishing and maintaining a good credit score. Creditworthiness can be improved through on-time payments, responsible credit utilization, and a positive repayment history.

Choose a credit card that reports your payment history to credit bureaus and provides tools for monitoring and enhancing your credit score.

✅ Customer Service and Support:

Access to dependable customer service and support is essential for a successful credit card transaction.

Consider the credit card issuer’s standing and the quality of its customer service. Consider options such as around-the-clock customer service, online account management tools, and proactive fraud protection to ensure prompt assistance.

✅ Financial Flexibility:

The appropriate credit card should allow you to manage your finances effectively. Consider grace periods without interest, installment payment options, and flexible credit limits.

These features can assist you in optimizing your cash flow, controlling your expenses, and avoiding unnecessary interest fees.

✅ Security Measures:

Credit card security is of paramount importance in the digital age. Ensure the credit card issuer employs stringent security measures to safeguard your personal and financial data.

EMV chip technology, two-factor authentication, and fraud monitoring systems can provide peace of mind and safeguard against unauthorized transactions.

In Conclusion

FNB is a leading financial institution with a rich history that spans over a century. As one of the largest banks in South Africa, FNB has consistently been at the forefront of innovation, offering a diverse range of financial products and services tailored to meet the evolving needs of its customers.

Among these offerings, FNB’s credit cards stand out for their competitive rates, flexible terms, and value-added benefits. This review will delve into the specifics of FNB’s credit card offerings, providing an in-depth analysis of their features, benefits, and suitability for different financial needs.w

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Frequently Asked Questions

Does fnb offer a credit card.

Yes, FNB offers a variety of credit cards suited to its customers’ diverse requirements and financial situations.

Which FNB Credit Card or Suit is the best?

The “best” FNB credit card would hinge on a person’s financial situation, spending habits, and preferences. FNB offers an Aspire, Premier, Private Client, Private Wealth, and Petro Credit Card, each with unique features and benefits.

What bank is an FNB Credit Card?

An FNB credit card is a payment card issued by First National Bank (FNB), one of the largest financial institutions in South Africa. Like other credit cards, cardholders can borrow funds from the bank up to a certain limit to pay for goods or services.

How long does FNB take to approve a credit card?

FNB’s approval time for credit cards can differ but typically takes a few business days after all required documentation is submitted.

What makes FNB different from traditional banks?

FNB distinguishes itself from conventional banks by emphasizing digital innovation, customer-centric products, and financial inclusion.

Can anyone join FNB, or is it exclusive to FNB Limited members?

FNB is accessible to anyone fulfilling the account opening requirements; membership is not restricted to FNB Limited members.

What security measures are in place to protect customer data?

Encryption, secure login procedures, and fraud detection systems are in place to safeguard customer data at FNB.

How does FNB leverage technology to enhance the banking experience?

Through its comprehensive online and mobile banking platforms, AI and data analytics, and innovative digital products and services, FNB leverages technology to enhance the banking experience.

Are there any fees associated with using FNB’s services?

Yes, fees are associated with utilizing FNB’s services, including monthly account fees, initiation fees, withdrawal fees, etc.

What kind of shared-value partnerships does FNB offer?

FNB offers shared-value partnerships through its eBucks rewards program, which enables customers to earn redeemable points for various goods and services by using FNB’s services.

How can FNB influence the banking industry as a whole?

FNB’s innovative products and services, digital-first strategy, and commitment to financial inclusion can influence the entire banking industry.

How do I qualify for a FNB Credit Card?

To be eligible for a FNB Credit Card, you must typically meet certain income requirements, have a solid credit history, and be a South African resident.

What are the fees associated with FNB Credit Cards?

Depending on the specific card, the fees associated with FNB Credit Cards may include an annual fee, interest charges, and transaction fees.

Can I use my FNB Credit Card internationally?

Yes, you can use your FNB Credit Card abroad; however, foreign transaction fees may apply.

How can I track my credit card transactions?

You can monitor your credit card transactions through FNB’s online and mobile banking platforms.

Can I set spending limits or block certain transactions on my card?

Yes, FNB’s online and mobile banking platforms permit you to set spending limits and block specific card transactions.

What happens if my card is lost or stolen?

If your card is lost or stolen, you must contact FNB promptly to report the loss and block the card.

How can I earn and redeem cashback rewards?

You can earn and redeem cashback rewards through FNB’s eBucks rewards program, which awards points for using FNB services.

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New accounts and upgrades enjoy immediate access to eBucks reward level 3 and FNB Private Wealth benefits for the first 3 months, or higher if criteria are met.

Enjoy access to the metal card - exclusive to Private Wealth clients. Terms, conditions and earn rules apply. Rebate fee will be offered to customers on eBucks level 3 and above.

Access up to 1200 international airport lounges with your complimentary Global debit card linked to your Global Account. Open an offshore bank account with FNB Channel Islands.

Enjoy 10 eWallet sends and 10 real-time payments on the app at no additional cost.

Access a non-trading juristic account, ideal for non-trading entities like family trusts or an asset holding company.

Earn a money market fund rate on your savings with a complimentary Money Maximiser account.

Money Protect helps you in the event of certain card fraud, you may be refunded partially or fully up to R15 000.

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More benefits for you

Elevate your lifestyle with exclusive eBucks benefits. Unlock up to eB15 000 a month on grocery spend at Checkers and SPAR and up to eB30 000 (R3 000) a month on health/beauty spend.

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Get rewarded with WhatsApp messaging on us. Plus, get up to 15% back in data on your FNB Connect SIM plan and bundle purchases.

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Enjoy up to 40% off flights, car hire and bus tickets, and access to curated travel deals and complimentary SLOW Lounge visits through eBucks Travel.

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Transactions

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