FNB’s consumer credit card range has five cards: Aspire, Premier, Private Clients, Private Wealth and Petro. No card called Black appears in that consumer listing. FNB does offer a Black Business Credit Card, which you can apply for only if you hold an FNB Business Account.
So there is no single “minimum salary for a Black FNB card”. For the consumer cards, the required annual income runs from R42,000 for Aspire up to R1.8 million or more for Private Wealth, the top card. FNB lists the bands on its credit card comparison page.
Eligibility Requirements at a Glance
- Business card: the Black Business Credit Card needs an FNB Business Account. FNB names Gold, Platinum, Black, Petro and Auto cards in its business range
- Top consumer cards: the Private Clients and Private Wealth credit cards, which are qualified for on income (Private Wealth also on net asset value)
- Granting of any facility is subject to FNB’s qualifying criteria for that product
Income and Affordability Requirements
FNB lists these required annual incomes for its consumer credit cards:
- Aspire: R42,000 to R450,000
- Premier: R300,000 to R749,999
- Private Clients: R750,000 to R1,799,999
- Private Wealth: R1.8 million or more a year, or a net asset value above R15 million
- Petro Card: R84,000 or more
FNB’s business credit card page gives no income band for the Black Business Credit Card. It is linked to your FNB Business Account instead. Meeting the income band does not guarantee approval, because FNB also assesses affordability and your credit record.
Credit and Financial Requirements
Credit is subject to FNB’s credit and affordability assessment, and the credit limit is set after that assessment. For the Private Wealth card, a metal card is optional at R1,250, and FNB may rebate it for the first card if you are on eBucks Rewards Level 4 or above.
FNB’s pricing guide and its product pages show different monthly fees for the Private Wealth and Private Clients credit cards, so check the current pricing guide for the card you want before you apply.
Documents and Verification Required
For the Private Clients and Private Wealth credit cards, FNB asks for:
- A barcoded SA ID book or a valid SA passport if you are a South African resident, or a passport with a valid work or retirement permit if you are not
- Proof of residence in your name that is not older than three months
- Your latest payslip or your last three months’ bank statements
For Aspire and Premier, FNB lists a recent payslip, three months’ bank statements, a South African ID book or card and proof of residence.
For the Black Business Credit Card, FNB asks for the ID of the business’s authorised signatories and the ID of the person the card is for.
How to Apply and Improve Approval Readiness
You can apply for a Private Clients credit card on the FNB App or through your private advisor. For a Private Wealth credit card you can use the FNB App, your private advisor or the Private Wealth Service Suite on 087 730 6000, or visit a Private Wealth office. For the business card, open or use your FNB Business Account and apply through FNB’s business credit card page.
- Compare your annual income to the bands above to see which card you fit
- Have your payslip or three months’ bank statements and proof of residence ready
- Check the current pricing guide for the card before you accept it
Frequently Asked Questions
What is the minimum salary to apply for a Black FNB card?
There is no consumer Black card in FNB’s credit card listing, and FNB publishes no income band for the Black Business Credit Card. For its top consumer cards, FNB asks R750,000 to R1,799,999 a year for Private Clients and R1.8 million or more (or a net asset value above R15 million) for Private Wealth.
Is there an FNB Black card?
FNB has a Black Business Credit Card in its business range. You need a Business Account with FNB to apply for it.
Which FNB credit card is the highest?
Private Wealth, for an annual income of R1.8 million or more or a net asset value in excess of R15 million.
Is the Private Wealth metal card free?
No. FNB charges R1,250 for the optional metal card, which can be rebated for the first card if you are on eBucks Rewards Level 4 or above.
Income bands, fees and card names are set by FNB and are updated from time to time. Confirm current terms with FNB before you apply. See loan requirements and browse all finance and funding requirements.