The FNB Private Wealth Credit Card is FNB’s top-tier credit card. It is designed for very high earners and comes with a metal card option, generous lounge access and family benefits.
FNB lists an income of R1.8 million or more per year, or net assets above R15 million, as the requirement. Your limit, rate and approval still depend on an assessment.
Before you apply, it helps to see what the card costs and whether the extras match how you live and travel.
FNB Private Wealth Credit Card: main benefits
- Lounge access. You get up to 36 complimentary SLOW Lounge visits, plus up to 10 international lounge visits a year at a flat USD30 each.
- Metal card option. An optional metal card is available for R1,250, and it is waived for the first card if you hold eBucks Rewards Level 4 or above.
- Up to 55 interest-free days. This applies on purchases made on your straight facility.
- Family benefits. You get 50% off your partner’s monthly account fee and free FNBy accounts for children.
- Five extra cards. Up to five additional cards are included at no extra cost.
Who can apply?
You need an income of R1.8 million or more per year, or net assets above R15 million. You can apply in the FNB App, through the Private Wealth service suite or at a Private Wealth branch.
Every application is assessed on credit and affordability, so meeting the wealth level does not guarantee approval.
Quick overview
| Feature | FNB Private Wealth Credit Card |
|---|---|
| Income or assets | R1.8 million a year or R15 million net assets |
| Monthly account fee | R380 |
| Metal card | R1,250 (optional) |
| Interest-free period | Up to 55 days |
| Extra cards | Up to five included |
Who may find it useful?
- Very high earners who bank with FNB Private Wealth
- Frequent travellers who will use lounge visits and eBucks Travel
- Families who want shared banking benefits
- Cardholders who pay the balance in full every month
When another option may be better
This card is unlikely to make sense unless you travel a lot and use the family perks. A lower-cost premium card gives you most of the everyday value without the higher monthly fee.
Costs to check
FNB lists a R380 monthly account fee, and the metal card costs R1,250. FNB also states that with a Fusion Private Wealth Account there is no monthly account fee or facility fee on this card, so check which account you would hold.
Frequently asked questions
Is approval guaranteed?
No. FNB assesses your credit record and affordability before it decides.
How do I apply?
Use the FNB App, call the Private Wealth service suite on 087 730 6000 or visit a Private Wealth branch.
Is the metal card compulsory?
No. It is an optional extra that costs R1,250.
How to continue
Read the detailed review, compare the full cost with other options and apply only through FNB’s official channels.
NXDIN provides independent general information. We do not issue this card, process applications or guarantee approval, limits or pricing.