For up to 55 interest-free days on Premier straight purchases, pay the full statement balance by its due date. Transactions with immediate interest are excluded.
Separate purchases from credit uses that start charging interest straight away
Credit-funded cash withdrawals, budget purchases and balance transfers incur immediate interest. FNB may decline transactions above your limit, including those by additional cardholders.
Without full payment, interest-free days stop; interest runs from each transaction or fee until full settlement. Arrears block credit; collection fees may apply.
Your interest rate and the monthly cost of Premier
FNB sets your personal interest rate, shown on your statement. The R125 monthly fee comprises R95 for the card account and R30 for the credit facility. Your account option matters.
The fees are included in a matching Fusion Premier or Current Account bundle’s monthly fee. The R30 service fee may join your balance and attract interest.
The income and documents you need for Premier
Have your income and supporting documents ready to apply.
- Have a South African ID.
- Provide a recent payslip and three months’ bank statements.
- Earn R300,000 to R749,999 and pass affordability checks.
- Provide proof of residence.
- You need a credit card account to hold the linked credit facility.
Start your Premier application online
- Select Apply now on FNB’s Premier Credit Card page.
Your questions answered
Which other credit-funded transactions attract immediate interest?
Electronic transfers creating a debit balance, travellers cheque purchases, certain forex transactions and cash purchases also attract it.
What will I pay to open or increase my Premier credit facility?
Opening the credit facility costs R210 once. Increasing your credit limit or upgrading does not attract this initiation fee.
Can my own deposit unlock special partner budget rates?
You need credit available for the full price; the purchase uses that amount. Deposits cannot make up missing credit.
How can I ask FNB to call me about a Premier application?
To request a callback, submit your name, surname, phone and email. Approval depends on affordability and eligibility.