Quick Facts
What is the FNB Aspire Credit Card?
The FNB Aspire Credit Card sits in FNB's mid-tier credit card range, offering a strong balance of rewards, travel perks, and everyday benefits. It's designed for professionals who want more than a basic credit card but don't need the premium features of a Gold or Platinum card.
At R99 per month, the Aspire card includes FNB's excellent eBucks rewards programme, 2 complimentary Slow Lounge visits per year, comprehensive purchase protection, and the convenience of FNB's digital banking ecosystem. The January payment holiday is a standout feature for managing post-festive season finances.
The card integrates seamlessly with the FNB App, allowing you to manage your credit, track spending, freeze your card instantly, and even use a virtual card number for safer online shopping.
Key Features
Fees & Charges
| Fee Type | Amount |
|---|---|
| Monthly Fee | R99 |
| Annual Fee | R1,188 (R99 x 12) |
| Cash Advance Fee | 4% (min R40) |
| Over Limit Fee | R200 |
| Late Payment Fee | R200 |
| Card Replacement | R150 |
* Fees are subject to change. Cash advances incur interest immediately with no interest-free period.
Requirements
How to Apply
Check your eligibility
Use the FNB online pre-qualification tool or visit a branch to see if you qualify for the Aspire card.
Apply online or in-branch
Apply through the FNB website, FNB App, or visit any FNB branch. Existing FNB customers may have pre-approved offers.
Submit documents
Provide your ID, proof of income, and proof of residence. FNB customers may not need to submit documents.
Credit assessment
FNB will assess your application and determine your credit limit. This usually takes 1-3 business days.
Receive your card
Collect your card from a branch or have it delivered. Activate via the FNB App and start using immediately.
Pros & Cons
Advantages
- Excellent eBucks rewards programme
- 2x complimentary Slow Lounge visits
- January payment break option
- Strong purchase protection
- Seamless FNB ecosystem integration
- Virtual card for added security online
Disadvantages
- Higher monthly fee than entry-level cards
- Higher minimum income requirement (R7,000)
- eBucks benefits maximised only with FNB products
- Slow Lounge visits limited to 2 per year
Frequently Asked Questions
Ready to Apply?
Get your FNB Aspire Credit Card and start earning eBucks rewards today.
Apply Online Call 087 655 0000Why Choose This Card?
- eBucks RewardsEarn on every purchase
- Airport Lounge2x Slow Lounge visits/year
- Payment BreakSkip January payment option
Use Credit Responsibly
Always pay your full balance to avoid interest charges. The January payment break still accrues interest. Only spend what you can afford to repay.
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Apply for the FNB Aspire Credit Card and enjoy rewards, lounge access, and more.