FNB Aspire Credit Card: the income range and documents you need to start your application

Your South African ID book or card and proof of residence go with your income records. Have them ready to begin your Aspire application.

FNB Aspire Credit Card

Aspire offers credit from R1,000 if you qualify and earn R42,000 to R450,000 a year. Prepare a recent payslip copy and three months’ bank statements.

Up to 55 interest-free days on straight purchases when you pay your full statement on time

Miss full payment by the due date and you lose the interest-free period. Interest runs from each transaction or fee until full settlement. Approval depends on FNB’s criteria.

Credit incurs instant interest on withdrawals, travellers cheques, some forex, debit-creating electronic transfers, budget, balance transfers and cash purchases.

START YOUR ASPIRE APPLICATION

Your interest rate, monthly fee and cash withdrawals

First National Bank sets your personal interest rate in your quote. Your R65 monthly fee combines R35 for the card account and R30 for the credit facility.

Credit card withdrawals at FNB ATMs cost R2.80 per R100 or part thereof. Other banks’ ATMs and mini ATMs cost R12 plus R2.80 per R100 or part thereof.

Have your income and application documents ready

Prepare these for Aspire; virtual cards have separate requirements.

  • Have a South African ID.
  • Virtual cards need active credit, trusted devices and FNB’s latest app.
  • Earn between R42,000 and R450,000 per year.
  • Have proof of residence.
  • Have a recent payslip copy and three months’ bank statements.

Choose how to start your Aspire application

  1. Select Apply now on FNB’s Aspire product page.
  2. Or send your details to request a call back.

Questions before you apply

Which purchases get Purchase Protect cover with my Aspire card?

Use your virtual card for tangible items, in-store or online, and get insurance up to R7,500 at no extra cost.

What do international purchases in rands cost on Aspire?

You pay 2.75% of the transaction value, capped at R125. This fee applies specifically to international card purchases in rands.

What do I need to activate my virtual credit card?

Create it in the latest FNB app with your active credit account and trusted device. It is automatically activated when created.

Can I get my Aspire card delivered without a fee?

Yes. Standard courier delivery and branch delivery have no delivery fee. Urgent, scheduled and international delivery are excluded.

APPLY FOR YOUR ASPIRE CARD