If you're looking to manage your finances better, make convenient purchases, or build your credit history, a credit card can be a valuable tool. First National Bank (FNB) offers a range of credit cards tailored to different needs and preferences. But who exactly qualifies for an FNB credit card? In this comprehensive guide, we'll delve into the eligibility criteria and key factors that determine whether you can obtain an FNB credit card.

Before applying for an Fnb credit card, you must ensure that you meet the eligibility criteria set by the issuer regarding age, income, occupation and other parameters. Ensuring that you meet these requirements will avoid rejection of your credit card application. Read on to know about Fnb credit card eligibility in detail.

While basic criteria like age, occupation, location, etc. remain the same for most Fnb credit cards, the minimum income requirement differs for each card variant. Moreover, for the same card, minimum income may be different for salaried and self-employed applicants. Refer to the table below for general eligibility for credit cards from FNB Card.

FNB Credit Card Eligibility Criteria for Salaried & Self-Employed Individuals

The eligibility criteria for both salaried and self-employed individuals may vary from each other for every credit card. However, there are certain common norms that are followed while checking their eligibility as mentioned below:

●     Age: FNB Card has set a minimum and maximum age limit for the applicants to avail credit cards. Your age should be between 18 and 70 years at the time of applying for an Fnb credit card.

●     Credit Score: Your credit score must be above average to obtain an Card. In general, a credit score of 550 and above is preferred. Additionally, you should not have any default payments in your credit history.

●     Regular Income: If you intend to obtain an Credit card, you must have a regular flow of income. Moreover, your income should meet the Fnb Card’s minimum salary eligibility for the credit card R84,000.00 to R449,999.00 per annum. Note that the premium credit cards usually have a high income requirement as compared to the entry-level cards.

●     Documentation: You should be able to provide valid proof of identity, address and income. The set of documents may vary according to the card and your type of occupation.

●     South Africa residence: Online applicants must be S.A residents. Non-resident aliens may apply through a local Fnb financial center.

Documents Required for Fnb Credit Card

You are required to submit a few documents during the Fnb Card application process. These documents are needed to prove your identity, address, and income. Here’s a list of acceptable documents.

Document Type

Details

Identity Proof

●     Passport size photo

●     Driver’s License, Passport, or any other government approved photo ID

Address Proof

Driver’s License, or any other government approved address proof

Income Proof

●     Latest 1 or 2 salary slips (not more than 3 months old)

●     Last 3 months’ bank statement

●     Your income and employment details

Note- You may also be asked to submit additional documents apart from those mentioned above based on the Fnb Card policies.

General benefits of the FNB credit card include:

Free travel insurance when purchasing flight tickets with their credit card, travel insurance coverage, Automatic debt protection to a certain maximum depending on the credit card, Access to exclusive deals from selected partners, Personalised interest rates and more.

Frequently Asked Questions

How many days does it take to get FNB card?

Answer: Call 087 575 1111 for information on having your card delivered to where you are. Delivery may take 3 to 5 working days.

How long does a credit card application take to be accepted?

Answer: Credit card issuers are required by law to respond within 30 days, but online applications may be approved in a few minutes.

How do you know if you qualify for a credit card FNB?

Answer: Qualifying criteria

Aspire: Annual income between R84 000 - R449 999.

Premier: Annual income between R350 000 - R849 999.

Private Clients: Annual income between R750 000 - R1 799 999.

Private Wealth: Annual income of R1 800 000 or more.

Petro Card: Earn a minimum of R80 000 p.a.