FNB Black Card South Africa: Eligibility, Fees and Top eBucks Perks

Overview and eligibility

The FNB Black Card is one of South Africa’s top-tier banking cards, aimed at high-income customers who want premium travel perks, concierge services and strong rewards in eBucks. To qualify you typically need a minimum gross income of R750,000 a year and to be an existing FNB client with an established credit profile.

Aside from income, FNB looks for steady account behaviour: holding at least R75,000 in a qualifying account for three months, proof of address, ID and payslips. The bank performs affordability checks and credit assessments, so having clean credit records speeds approval.

Fees and costs

The usual monthly service fee for the FNB Black Card sits around R419, with a one-time initiation charge commonly applied on activation. Partners on joint accounts may get discounts and some card variants waive fees depending on package or relationship with the bank.

Foreign transaction charges and cash withdrawals can add cost, but for many cardholders the value of lounge access, travel insurance and eBucks rewards offsets the fee. Before applying, run the numbers on annual fees versus expected eBucks and travel savings.

Maximising eBucks rewards

eBucks is central to the FNB Black Card proposition: cardholders earn eBucks on travel, retail and everyday spend with higher earn rates at partner merchants like Takealot, Shoprite and selected fuel brands. To boost eBucks, concentrate spending on partner categories and book travel through FNB’s platforms when possible.

Use the FNB app to monitor eBucks balances, activate category boosters when available and time large purchases or travel around promotional periods. Converting points into eBucks and using them for flights, vouchers or grocery discounts is the quickest way to see tangible savings.

Perks, insurance and how to apply

The FNB Black Card includes premium perks such as worldwide concierge service, access to selected airport lounges like SLOW Lounges, travel and luggage insurance, roadside assistance and purchase protection. These benefits make it attractive for frequent travellers and discerning shoppers across South Africa.

Applications are straightforward: apply online through FNB or visit a branch with ID, three months’ payslips and proof of address. Speak to a personal banker to confirm eligibility, ask about fee waivers or bundled benefits, and request a pre-check to speed up approval and start earning eBucks sooner.