FNB Gold Credit Card Review South Africa 2025, eBucks Rewards, Fees, Travel Cover and Petrol Perks

Overview of the FNB Gold Credit Card

The FNB Gold Credit Card is a popular choice across South Africa for customers looking to earn eBucks while enjoying solid travel cover and practical day-to-day perks. With income-based credit limits, FNB sets a personalised limit in rand that grows as your income does, so the card adapts to your lifestyle.

Contactless tap-and-pay, eBucks linkage and an interest-free period of up to 55 days make the FNB Gold Credit Card a flexible option for Mzansi shoppers. The card’s integration with FNB’s digital banking also helps you track spending and set up automatic payments from your FNB accounts.

eBucks Rewards, Fuel and Grocery Perks

One of the strongest selling points of the FNB Gold Credit Card is the eBucks rewards programme: earn up to 1.5% back in eBucks on every purchase and boosted rates of 15% at partners such as Checkers and Shoprite. Petrol perks and Uber rebates put real rand value back into your pocket when you fill up or ride around town.

eBucks earned via the FNB Gold Credit Card can be redeemed for groceries, travel, airtime or used at FNB partners, making everyday spending more rewarding. The automatic eBucks linkage means you start earning immediately after activation without extra hassle.

Fees, Insurance and Eligibility

FNB publishes clear fees for the Gold Credit Card, including a monthly service fee and an initiation fee, so you know what to expect in rand before applying. Comprehensive travel insurance and AA roadside assistance are included features that add peace of mind for local and international trips.

Eligibility requires South African residency, a minimum age of 18 and a credit profile that meets FNB’s criteria; income thresholds apply for the Gold tier. Always check the latest fee table on FNB’s site because fees and charges can be updated.

How to Apply and Manage Your Card

Applying for the FNB Gold Credit Card is straightforward: apply online via FNB’s website, submit ID, recent payslips and three months’ bank statements, then await approval. The process is digital-friendly and you can track status through the FNB app or internet banking.

Once you have the card, use FNB’s online tools to manage limits, activate eBucks and set up alerts to avoid missed payments. Regularly reviewing statements helps you make the most of interest-free days and reward opportunities, ensuring the FNB Gold Credit Card stretches your rand further across South Africa.