FNB Premier Credit Card for 55+ South Africans, Earn Up to 15% Ebucks, 55 Days Interest-Free and Global Travel Cover

Who the card suits and eligibility

The FNB Premier Credit Card is tailored for South Africans aged 55 and older or retired customers who want premium rewards and travel protection. To qualify you generally need an annual income between R240,000 and R749,999 and standard ID and income documents.

Eligibility requires a South African ID book or smart ID, a recent payslip, proof of residence and spousal consent if married in community of property. The FNB Premier Credit Card gives mature consumers access to personalised rates, unlimited swipes and helpful services like AA Emergency Roadside Assistance.

Maximise rewards with Ebucks — up to 15% back

One of the strongest selling points of the FNB Premier Credit Card is the Ebucks rewards programme, where you can earn up to 15% back on qualifying spend. Use the card for groceries, fuel, utilities and partner promotions to stack Ebucks quickly and convert everyday spending into savings.

Track and redeem Ebucks easily via the FNB app or online banking and focus spend on higher-reward merchants. With smart use of promotions and monthly monitoring, the FNB Premier Credit Card becomes a powerful tool to boost value from routine purchases.

55 days interest-free and comprehensive travel cover

The FNB Premier Credit Card offers up to 55 days interest-free on purchases, giving you breathing room to manage cash flow without unnecessary interest charges. Pay off the statement within the interest-free window to avoid finance charges and make the most of your credit limit.

Travel often? The card includes comprehensive global travel insurance and Visa customer support for international trips, covering medical emergencies, lost baggage and trip cancellations. Combined with cardless cash and global assistance, the FNB Premier Credit Card protects both your travel plans and pocket.

Fees, application process and customer support

Understand the costs: the FNB Premier Credit Card typically carries a monthly account fee (around R75), a facility service fee (R17/month) and a one-time initiation fee up to R175; additional service fees apply for cash withdrawals and certain transactions. Weigh fees against the high Ebucks returns and travel benefits to see the net value for your lifestyle.

Applying is straightforward—use the FNB app, apply online or call FNB to start your application. Have your ID, payslip and proof of residence ready. FNB’s inContact and customer support teams are available 24/7, and debt relief options are offered should you ever need them. Check eligibility on the FNB app and apply for the FNB Premier Credit Card today to start earning Ebucks and enjoy the travel protections and interest-free benefits.