FNB Black Card for South Africans – Luxury perks, airport lounges and eBucks rewards
Everything South Africans need to know about the FNB Black Card, from SLOW lounge access and eBucks rewards to travel cover and eligibility
Overview of the FNB Black Card
The FNB Black Card is the premium credit offering from First National Bank tailored for affluent South Africans who want luxury and practical banking in one. Cardholders get an elevated banking experience with eBucks rewards, travel insurance and a personal banker to help manage finances.
Designed for frequent travellers and high spenders, the FNB Black Card combines exclusive merchant partnerships with priority services like airport lounge access and concierge support. The card works globally and is particularly useful for those who spend often at Takealot, Engine, Shoprite and Gautrain partners.
Luxury perks, rewards and everyday value
One of the strongest draws is the eBucks rewards programme: earn eBucks on everyday spending and convert points into vouchers for flights, retail or fuel. The FNB Black Card also offers purchase protection, extended warranties and access to VIP events, which make the annual fee easier to justify for the right user.
Extras such as 24/7 concierge service, private shopping assistance and dedicated customer service mean the FNB Black Card is more than a payments tool — it’s a lifestyle companion. Local benefits like discounts with South African merchants and special Gautrain offers add tangible monthly value for cardholders.
Travel benefits and SLOW lounge access
Travel perks are central: comprehensive travel and luggage insurance, priority boarding and entry to SLOW lounges at major South African airports give real peace of mind. If you travel regionally or internationally, having lounge access and travel cover through your FNB Black Card can save time and money.
The card also waives or reduces foreign transaction fees at many points and allows global ATM withdrawals, making it practical for frequent international trips. Roadside assistance and emergency travel support through the card’s insurance add an extra layer of security while you’re on the move.
Eligibility, fees and how to apply
To qualify you typically need an FNB account, proof of income and a minimum gross income around R750,000 a year, or maintain qualifying balances such as R75,000 for three months in specific accounts. FNB conducts affordability checks and credit assessments before approval.
Application can be done online via FNB’s app or at a branch; activation is quick once approved. Consider the monthly service fee and initiation costs against the value you’ll reclaim in eBucks, lounge usage and travel insurance to decide if the FNB Black Card suits your lifestyle.
