Fnb black card

The FNB Black Card!

The FNB Black Card is a premium credit card offered by First National Bank (FNB) in South Africa. It's designed for high-net-worth individuals who want to enjoy exclusive benefits, rewards, and privileges. Here are some of the key features and benefits:

Key Features:

  1. Rewards Program: Earn points for every rand spent, which can be redeemed for travel, merchandise, or cash back.
  2. Travel Insurance: Enjoy comprehensive travel insurance, including medical, trip cancellation, and travel delay cover.
  3. Airport Lounge Access: Get access to airport lounges worldwide, including FNB's own lounges in South Africa.
  4. Concierge Service: Enjoy personalized concierge services, including event planning, travel booking, and more.
  5. Exclusive Events: Attend exclusive events, such as wine tastings, golf tournaments, and charity functions.
  6. Premium Benefits: Enjoy premium benefits, including complimentary upgrades, priority check-in, and extra baggage allowance on flights.
  7. High Credit Limit: Enjoy a high credit limit, making it easier to manage your expenses.
  8. No Foreign Transaction Fees: No foreign transaction fees when using your card abroad.
  9. Travel Assistance: Get assistance with travel-related issues, such as lost or stolen luggage, flight delays, and more.

Benefits:

  1. Exclusive Discounts: Enjoy exclusive discounts at participating merchants, including hotels, restaurants, and retailers.
  2. Personalized Service: Receive personalized service from a dedicated relationship manager.
  3. Card Benefits: Enjoy a range of card benefits, including purchase protection, extended warranty, and travel insurance.
  4. Rewards Redemption: Redeem your points for travel, merchandise, or cash back.
  5. Card Upgrades: Upgrade your card to enjoy even more benefits and rewards.

Eligibility:

To be eligible for the FNB Black Card, you typically need to meet certain criteria, such as:

  1. Income: A minimum annual income of R1.5 million (approximately USD 100,000).
  2. Credit Score: A good credit score, indicating a history of responsible credit behavior.
  3. Relationship with FNB: A strong relationship with FNB, including a high balance or regular transactions.

Fees:

The FNB Black Card comes with a range of fees, including:

  1. Annual Fee: A annual fee of R12,000 (approximately USD 800).
  2. Interest Rate: A interest rate of 22.5% per annum (compounded monthly).
  3. Foreign Transaction Fee: A foreign transaction fee of 2.75% (minimum R50, maximum R500).

Overall, the FNB Black Card is designed for high-net-worth individuals who want to enjoy exclusive benefits, rewards, and privileges. However, it's essential to carefully review the fees and terms before applying.