Seeking your recommendation...


The FNB Gold Credit Card is a financial instrument designed to elevate your financial experience. This credit card, offered by First National Bank (FNB), opens the door to a world of financial convenience, security, and exclusive perks.

With this card in your wallet, you’ll enjoy cashback rewards on purchases, the freedom to spend globally, robust security features, and around-the-clock customer support.

The FNB Gold Credit Card is your key to unlocking a host of privileges, whether you’re shopping online or traveling abroad. This card offers competitive interest rates and customizable credit limits to suit your financial needs.


It’s more than just a card; it’s your partner in simplifying transactions and enhancing everyday experiences. Join us and experience a new level of financial freedom with the FNB Gold Credit Card.

Benefits and advantages of the FNB Gold

The FNB Gold Credit Card boasts a range of benefits and advantages that make it a valuable financial tool:

  • Cashback Rewards: With this card, you can earn cashback rewards on your purchases, allowing you to save money while you spend.
  • Global Spending Power: Enjoy the freedom to make purchases both domestically and internationally, making it an ideal companion for travelers and online shoppers.
  • Security Features: FNB prioritizes your financial safety, offering robust security measures, including fraud protection and real-time transaction monitoring.
  • Customizable Credit Limits: Tailor your credit limit to your specific financial needs, giving you control over your spending and flexibility in managing your finances.
  • Comprehensive Insurance Coverage: The FNB Gold Card often includes insurance coverage, which provides added protection and peace of mind in various aspects of your life.
  • 24/7 Customer Support: Access round-the-clock customer assistance to address inquiries, resolve issues, or provide support whenever you need it.
  • Exclusive Privileges: Benefit from exclusive perks and offers tailored to FNB Gold cardholders, which may include discounts, special deals, and access to premium services.

How to apply for the FNB Gold

To apply for the FNB Gold Credit Card in South Africa, follow these steps:

  • Eligibility Check: Ensure you meet the eligibility criteria, including minimum income requirements and creditworthiness.
  • Visit the FNB Website: Go to the First National Bank (FNB) website to access the application portal.
  • Complete the Online Application: Fill out the online application form with your personal and financial details. Be sure to provide accurate information.
  • Required Documents: Prepare necessary documents such as proof of income, identification, and address verification.
  • Submission: Upload your documents and submit your application.
  • Review and Approval: FNB will review your application, including a credit check. If approved, you will receive an offer.
  • Acceptance: Review the offer and accept the terms and conditions.
  • Card Issuance: Upon acceptance, FNB will issue your Gold Credit Card, and you’ll receive it via mail.

Requirements to apply for the FNB Gold

To apply for the FNB Gold Credit Card in South Africa, you’ll typically need to meet these requirements:

  • Age: Be 18 years or older.
  • Residency: South African citizenship or permanent residency.
  • Income: Meet the minimum income criteria.
  • Creditworthiness: A good credit history is usually required.
  • Identification: Valid South African ID or passport.
  • Proof of Address: Provide a recent utility bill or official document confirming your address.
  • Bank Account: Hold an active South African bank account.



About the bank

The issuer of the FNB Gold Credit Card is none other than First National Bank (FNB), a pioneering financial institution recognized for its commitment to innovation and customer-centric services. FNB boasts an extensive legacy of adapting to the ever-evolving financial landscape, delivering cutting-edge banking solutions tailored to its diverse clientele.

FNB’s reputation is built on technological advancement, providing state-of-the-art digital banking services that grant clients effortless access to their accounts. Beyond the FNB Gold Card, the bank offers a comprehensive suite of financial products, including savings accounts, loans, and investment options.

Costs and fees of the FNB Gold

  • R48 monthly account fee
  • R16 monthly credit facility fee 
  • Once-off initiation fee of up to R175 
  • FREE membership to eBucks Rewards

Who is this card for?

The FNB Gold Credit Card is ideally suited for individuals seeking a versatile and feature-rich credit card. It’s recommended for those who desire the convenience of global spending, making it an excellent choice for frequent travelers and online shoppers. With cashback rewards, it’s an attractive option for those who want to earn benefits on their everyday purchases.

Additionally, the card is suitable for those who value financial security, thanks to its robust fraud protection and real-time monitoring features. Customers who appreciate customizable credit limits and competitive interest rates will also find this card appealing. The FNB Gold Credit Card is designed to enhance the financial experiences of those looking for a reliable and rewarding credit solution.

Is the FNB Gold card worth it?

Whether applying for the FNB Gold Credit Card is worth it depends on your specific financial needs and lifestyle. This card offers numerous benefits, including cashback rewards, global spending convenience, security features, and competitive interest rates, which can be valuable for individuals who travel frequently, shop online, or desire financial security. Additionally, the customizable credit limits provide flexibility.

However, it’s essential to consider your financial situation and creditworthiness to ensure it aligns with the card’s eligibility criteria. Take time to compare the card’s features with your spending habits and financial goals to determine if it suits your needs. For those who can maximize its perks and manage their finances responsibly, applying for the FNB Gold Credit Card can be a valuable choice.

Customer Support

Save the following contact numbers to your phone for ease of access:

  • Customer Call Centre: 087 575 1111
  • +2711 371 3711 (international)
  • Lost/stolen card: 0800 110 132
  • Fraud: 087 575 9444



We hope this information has been very useful to you. 

Thank you very much for reading us. 

Follow our website for more information on cards, loans and finance!