The FNB black card is highly recognized in South Africa because of its distinction from other types of cards. Apart from its distinctive features, it also comes with so many benefits, and acquiring one puts you amid the elite group of South Africans.

What is the FNB Black Card?

The FNB black card is a credit or debit card offered to the high net worth class who earns above R750,000.00 per year, by First National Bank. You will enjoy different types of benefits if you’re eligible for this card, which includes access to an estimated credit of R300,000.00. Holders of the black card which got its name from its black color, are often business owners and C-Suite level administrators.

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How to Apply for theFNB Black Card

To apply for an FNB Black Card, you have to meet the qualifications, which include a minimum earning of R750,000.00 per annum. The first national bank makes use of its system to evaluate your credit score making it easy to access your earnings and cash inflow. After meeting all the basic requirements, the bank will grant you the card you applied for.

You can also read on how to transfer from Capitec to FNB here.

Types of FNB Black Cards

FNB private clients debit card

FNB private client’s debit card is modeled for professionals and entrepreneurs who want to accomplish their financial dreams. To be eligible for this FNB black card you need to earn a minimum of R750,000.00 or more per annum. This card has a monthly service fee of R385.00 per month and comes with a dedicated private banker.


  • A gross income of R750,000.00 or more
  • Keep R75,000.00 for three months in your gold or premium account.

FNB private wealth debit black card

This is one of the best black cards in South Africa, a private wealth debit card made for the ultra-rich. 


  • Must earn a minimum of R1,500,000.00 per annum in gross income
  • Own assets worth R15,000,000.00 or more

FNB enterprise business card debit

This black card is structured to meet enterprising business needs. Businesses earning above R60,000,000.00 in turnover per annum can apply for this card. This card is relationally based and services fees are charged according to your business needs.


  • Must have revenue of R60,000,000.00 or more

FNB private clients credit card

 This card has a monthly service fee of R192.00 per month. Has a facilitation service fee of R17.00 and an initiation fee of up to R172.00. You also get some membership rewards. 


  • Must earn R750,000.00 per annum or more or
  • Maintain a balance of R75,000.00 for 3 consecutive months
  • Must have a good credit score

FNB private wealth credit card

This black card has a monthly service fee of R248.00 per month, a facilitation service fee of R17.00, and an initiation fee of R172.

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  • Must earn an income of R1,500, 000.00 per annum 
  • Own assets worth R15,000,000.00
  • Have a good credit score