The First National Bank (FNB) is one of the most relevant banking institutions in South Africa and one of the most commonly used are its credit cards, which can assist with planning and building a good credit history. That’s why it is worth it to know how to make a FNB credit card application.
In this article we will tell you more about how to apply for a card at FNB. We offer an overview of the requisites to qualify for credit with the bank, as well as of the options available to you to make your application.
Keep reading our article and discover more about how to apply for a credit card at FNB!
How Do You Qualify For A FNB Credit Card?
Before you consider applying for a credit card with FNB, you need to make sure you qualify. No matter how you choose to apply, you will need to provide the following documents:
- A South African ID book or Smart Card;
- A copy of your most recent payslip or proof of income if you are self-employed;
- A valid proof of residence in South Africa;
- Bank statements for the last 3 consecutive months.
You should keep in mind that the bank offers different types of credit cards, and each has a minimum annual income requirement. You should make sure your income qualifies you to apply for the card you want before submitting your application.
The most accessible FNB card requires a minimum annual income of R84.000, but comes with the least benefits when compared to the rest. The most exclusive card, on the other hand, requires you to earn at least R1.8 million per year to qualify, but offers many luxuries and opportunities for those who can have it.
You are advised to also consider the monthly service fee associated with each card. The smallest fee is R55 per month, and it increases depending on the type of card you wish to get.
Other than that, be aware that approval on your application involves a credit history seen by the bank.
How To Make A FNB Credit Card Application
When you have made sure you qualify for a credit card and have the required documents on hand, you can proceed to choose what way to apply is good for you. There are a few options to choose from, the first of them being the most common: to go to a FNB branch and ask for service from an attendant.
Another way to apply for a credit card is by phone. If you prefer to call the bank yourself, you can reach the applications line at 087 736 4800. The line’s operating hours are Monday to Friday between 08:00 and 17:00.
You can also fill out a Call Me Back form so a service centre worker can reach you on a phone number you provide and assist you make your application remotely. You can fill out the form on this website, just scroll down until you find the “Ways to apply” section and tap on the Call Me Back link.
Thirdly, you can make your application using FNB’s internet banking service. You can browse the available cards and apply for the one of your choice on the bank’s credit card page. You can use this option no matter if you are registered for online banking with FNB or not, and even if you don’t have an account with them in the first place.
You can also send an e-mail to [email protected] asking to make an application. Customer service should reply with instructions to assist you with the procedure.
Now that you have learned more about how to make a FNB credit card application, continue reading our blog and keep yourself always well-informed!
Frequently Asked Questions
How Long Does It Take For FNB To Deliver A Credit Card?
FNB credit cards may take from 3 and up to 5 working days to be delivered to your home. You may call 087 575 1111 for more information about credit card delivery. Please be mindful of delivery fees when applying for your card.
Why Is My FNB Credit Card Application Declined?
Your FNB credit card application may have been declined because of many factors. Maybe you have not been able to fully provide the required documentation, or your annual income is lower than the minimum required by the card you applied for.
It may also have been because of your credit score, which may be low thanks to pending debts or other factors. It is advisable to reach out to the bank to make sure why exactly your application was denied and how you can act so it can be accepted in the future.
What Credit Score Is Needed For A Credit Card In South Africa?
In South Africa, a credit score of at least 550 is usually considered the minimum for your credit card application to go through. You can see your credit history at institutions.