FNB’s Credit Card Offer gives applicants a chance to access interest rates as low as prime on selected purchases at top South African partners such as iStore, The Pro Shop, Cycle Lab, and KOODOO.co.za. This offer includes the option to move purchases to a budget facility, making it easier to manage repayments over a 12 to 24-month term. Full amounts are initially charged to your account and then conveniently shifted to monthly instalments at a competitive interest rate. Customers also have the attractive option of trading in their purchase after one or two years—potentially recouping up to 50% of the item’s value. Flexible eligibility depending on your personal or business needs, as well as budget control, make this card stand out in its class.

How to Apply for the FNB Credit Card

• Visit the FNB Credit Card application webpage.
• Select if you’re applying as an individual or for your business.
• Fill in your personal or business details as required.
• Submit your application for assessment and await the decision.

Pros of the FNB Credit Card Offer

One big advantage of this card is the prime or prime +2% interest rate at partner stores. This can mean significant savings, especially if buying higher-value items for your home, business, or personal use.

The card’s flexibility to transfer purchases to a budget facility and the ability to trade in products after a set term offer more value and peace of mind for long-term buyers.

Cons of the FNB Credit Card Offer

Applicants should be aware the card is subject to existing FNB credit requirements and approval, so not everyone will qualify.

Trade-in offers depend on specific partner arrangements and the item’s condition, so not all items may qualify for maximum value returns.

Our Verdict on the FNB Credit Card Offer

As an unbiased reviewer, the FNB Credit Card Offer impresses with its competitive rates, flexible payment options, and attractive trade-in programme. It’s well-suited for customers willing to commit to larger purchases and who value ongoing value and control. Overall, it stands out as a solid choice for South Africans looking for more than just a standard card.