The FNB Gold Credit Card is the entry-level option in FNB’s lineup, coming with a monthly fee of R51. This price point places it above some of its competitors, particularly Absa’s Flexicore and Gold cards.
- FREE unlimited swipes: Save money with free credit card swipes
- Online Secure: Activate Online Secure for enhanced protection during online shopping
- AA Emergency Roadside Assistance: Get assistance with fuel, flat tires, and battery restarts with a linked Petro Card
- Contactless payments: Make fast and secure payments with FNB Pay on your Android smartphone or by tapping your card
- Comprehensive Global Travel Insurance: Enjoy coverage when purchasing return travel tickets with your Gold Credit Card
Additionally, it offers the ability to move unexpected medical expenses to budget at the prime rate. However, there’s a catch here: the term “prime” is somewhat misleading, as there’s no preferential rate beyond the standard prime rate.
The rewards program ties into FNB’s eBucks, offering cashback on petrol purchases and up to 15% cashback on purchases at ShopRite and Checkers. However, the phrase “up to” is a bit of a misnomer, as reaching these maximum percentages can be quite challenging.
Overall, the Gold Credit Card provides 55 days of interest-free purchases, slightly less than Absa’s 57 days. While it has its perks, the Gold Credit Card’s cost and vague reward terms might make it less appealing for some users.
eBucks Rewards: Earn as You Spend
Your FNB Gold Credit Card comes with FREE eBucks Rewards membership! This program allows you to earn eBucks on your purchases:
- Earn up to 1.5% back in eBucks on all FNB Gold Credit Card purchases (in-store, online, and international)
- Earn up to 15% back in eBucks on Checkers & Shoprite purchases
- Earn up to 15% back in eBucks on your Connect contracts and prepaid airtime
- Earn up to 15% back in eBucks when you fill up with fuel, use Uber domestically, and on qualifying FNB Life Policies
Understanding the Fees associated with the FNB Gold Credit Card:
- R48 monthly account fee (includes monthly credit facility fee)
- R16 monthly credit facility fee
- Once-off initiation fee of up to R175
- FREE membership to eBucks Rewards
Is FNB Right for You?
FNB’s credit cards come with a variety of perks and features, but they also come at a higher cost compared to some competitors. For frequent domestic travelers, the lounge access might be a worthwhile investment. However, for those seeking straightforward cashback rewards or lower fees, exploring other options might be wise.
Ultimately, the best choice depends on your specific needs and spending habits. Consider what perks are most valuable to you and weigh them against the costs to find the best fit for your financial lifestyle.
