Telephone Banking Subscriptions ... additional cost, from the outstanding debit balance on your FNB ... Cellphone Bankin
Fee Description
Fee
Send Money from an FNB eWallet to another FNB eWallet
R8,50
Deposit cash into eWallet at FNB ADTs (ATMs with automated deposits)
R5,00
Monthly Fee
Free
Monthly Dormancy Fee (only charged after 6 consecutive months of inactivity)
R5,00
Payments to a bank account
R2,50
Purchases
Fee
Purchase in-store
Free
Prepaid purchase
R2,50
Cash Withdrawals
Fee
FNB ATM Cash Withdrawals (first withdrawal per send is free)
R6,00 per R500,00 (max R18,00)
Cash@Till
Free
TM
Statements and Balance Enquiries
Free
The following fee will be charged to the sender’s account when sending money to an FNB eWallet: Fee Description
Fee
Value: R20,00 – R1 000,00 Value: R1 000,01 - R2 000,00
R8,50 R12,50
Value: R2 000,01 - R3 000,00
R16,50
Transfer from your FNB account to your eWallet
Free (Unlimited Option) R3,30 (Pay-As-YouUse Option)
Credit Card FNB Credit Card is no longer just about credit, it has grown into the ultimate transactional tool giving you real value and benefits that make life rewarding with everyday savings. FNB Credit Card offers the following FREE Value-added Services* : Included: (part and parcel of your product)
• • • • •
Comprehensive Global Travel Insurance Automatic Debt Protection Lost Card Protection PIN Replacement AA Emergency Roadside Assistance (Petro Cards only)
Optional: (customer needs to apply)
• • • • •
Online Banking Subscriptions Telephone Banking Subscriptions Cellphone Banking Subscriptions inContact (SMS / email notification) Decline inContact
FNB Credit Card offers the following Rewards you can earn* : • eBucks • Rewards on Fuel • Rewards on Airtime Visit www.fnb.co.za for more information or call 087 575 1111 * Terms and Conditions apply.
Visit www.fnb.co.za for more information or call 087 575 9405 Terms and Conditions apply. Page 75
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eBucks* (Classic, Gold and Platinum Credit Cards only) eBucks is FNB’s innovative rewards programme. You can enjoy being rewarded by swiping your FNB Credit Card. Credit Card Annual eBucks Fee
R200,00 (per annum, per account on the anniversary of the Fee)
Earn rate: (Straight & Budget)
eB1 for every R10 spent
Value-added Services* : Comprehensive Global Travel Insurance Get free Comprehensive Global Travel Insurance for every ticket purchased with your FNB Credit Card. This innovative service gives travel ticket holders Comprehensive Global Travel Insurance, both locally and internationally. There’s no need to buy additional top-up cover.
AA Emergency Roadside Assistance (Petro Cards only) Free AA Emergency Roadside Assistance, giving you peace of mind motoring includes call-out & tow-in services.
Straight
Budget
Classic Credit Card
R5 000 ,00
Unlimited
This benefit now includes a new Stand By You service. Request this service when your car breaks down and an armed security guard will stay with you until the AA patrolman arrives.
Gold Credit Card
R10 000,00
Unlimited
Debt Protection Plan
Platinum Credit Card
R20 000,00
Unlimited
Loyalty Cap:
There is no minimum card spend required for you to start earning eBucks, but rewards will only be paid out once the minimum payment for that specific account is made. Excluded transactions include fuel purchases, cash withdrawals, third party payments, balance transfers, electronic fund transfers (EFTs) and gaming transactions.
Automatic Debt Protection protects you and your family, at no additional cost, from the outstanding debit balance on your FNB Credit Card account or the specified maximum amount as stated in the table below, whichever is the lesser at the time of your death or permanent disability. We offer Top-up Debt Protection Plan (TDPP) as a top-up to Automatic Debt Protection to extend your specified maximum debt cover at an additional cost, as per the table below.
Rewards you can earn* You can now earn Rewards on your fuel AND airtime purchases!
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Premium
Premium
Classic Credit Card
Free
R2 000,00
R6,00 / R1 000,00
R48 000,00
R50 000,00
Gold Credit Card
Visit www.fnb.co.za for more information.
Total cover
Specified Maximum Amount
Free
R5 000,00
R5,00 / R1 000,00
R75 000,00
R80 000,00
Platinum Credit Card
Airtime Get up to 15% back in eBucks or 10% back in cash on your qualifying prepaid airtime purchases made through FNB’s electronic channels (Online Banking, Cellphone Banking and the FNB Banking App).
Top-up Debt Protection Plan (TDPP)
Specified Maximum Amount
Free
R12 000,00
R5,00 / R1 000,00
R88 000,00
R100 000,00
Free
R1 000,00
R6,00 / R1 000,00
R9 000,00
R10 000,00
Standalone Petro Card
Fuel Get up to 15% back in eBucks or 10% back in cash on your qualifying fuel purchases made with your FNB Credit or Linked Petro Card.
Automatic Debt Protection (ADP)
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SLOW Platinum Credit Card customers enjoy exclusive access to SLOW Domestic Lounges, which can be found at the Domestic Terminals of O.R. Tambo International, Cape Town International and King Shaka International Airports. Qualifying criteria and terms of usage are detailed in the tables below. Terms, Conditions and Rules Apply.
Meet the qualifying criteria by: Having an active Platinum Credit Card in good standing** Having total monthly swipes to the value of at least R5 000,00 on your Platinum Credit Card in the billing / statement period preceding your visit * **
SLOW International For a limited period only, Platinum Credit Card customers can enjoy exclusive access to the SLOW International Lounge located at the International Terminal of O.R. Tambo International Airport. Any additional entries in excess of those mentioned above and where qualifying criteria has been met is charged at R250,00 per person.
Do you meet the qualifying criteria?
R250,00 pp (50% discount) R75,00 per child between the ages of 2-18years
Terms and Conditions apply. An account in good standing means that none of your FNB and FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, or be subject to any legal process with FNB or FirstRand Bank as defined in our Ts & Cs.
R500,00 pp
SLOW Domestic Lounges Do you meet the qualifying criteria?
Charges
Peak time allocation
Off-peak time allocation
2 free SLOW Lounge visits per billing/ statement period for cardholders only. No guest visits.
4 free SLOW Lounge visits per billing/ statement period for the cardholder (including guests).
SLOW in the City Platinum Credit Card customers also enjoy exclusive access to SLOW in the City located in the heart of Sandton. Please note that these facilities are charged for, and they are available to Platinum Credit Card customers for a limited time only. Please note that Terms, Conditions and Rules apply. For further details on all your Rewards and Benefits, visit www.fnb.co.za.
R250,00 pp
R250,00 pp
Note: Peak times are on Weekdays (Mon-Fri): 04h45-07h00 and 15h00-17h30 as well as on Sundays: 15h00 - 17h30. All entries are non-transferrable, with any additional entries (in excess of those mentioned above and where qualifying criteria has been met) being charged at R250,00 pp (peak) & R125,00 pp (off-peak).
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For ease of reference, monthly NCA Card fees for our product range have been segmented below. Fees that have not changed or have decreased are shown in orange.
Card Fees
Additional Card Fees (per card linked to account)
Linked Petro Card (per card linked to account)
Initiation Fee (once-off)
Classic Credit Card
R24,50
R11,66
R12,50
R135,00
Gold Credit Card
R28,00
R11,66
R12,50
R135,00
Platinum Credit Card
R55,00
R12,50
R12,50
R135,00
Standalone Petro Card
R27,04
R27,04
Not applicable
R135,00
Definitions: • Card Fee: Refers to the costs of account and transactional maintenance of your Primary Card Account.
• NCA Customers (Credit agreements after 1 June 2007). • You are an NCA customer if: • You entered into a credit agreement with us on or after 1 June 2007.
• You were an existing FNB Credit Card customer, who after 1 June 2007 chose to re-contract with us.
• Usury Customers (Credit agreements prior to 1 June 2007 - Governed by the Usury Act).
• You are a Usury customer if: • You were a customer of FNB Credit Card prior to 1 June 2007.
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Other FNB Credit Card Related Fees
• • Purchases Maximum rate for Platinum and Islamic Platinum Fee Cheqeu Acc
• Account Fee Cheqeu Acc • Linked Maximum rate for Platinum and Islamic Platinum Transfers & Account Payments IVR Smart Transfer to FNB
Free
Linked Account Transfers
R3,30
Third Party Payments
R7,00
Telephone Banking (consultant assisted)
R34,00
Transfers and Payments at Branch
R40,00
Balance Enquiries
Fee
FNB ATM
Free
FNB Branch
R3,95
International
R3,95
Other Banks’ ATM
R3,95
R45,00 + % of withdrawal value
Voucher Retrieval Requests
Fee
% of value : Platinum Gold Classic
2.00% 2.25% 2.50%
Local
R70,00
International
R240,00
International^ (ATM and Branch)
R27,00 + 1.60% of withdrawal value
Statements
Fee
Deposits
Fee
Current monthly statement (email)
Free
Cheque Deposits (free for Encore)
R16,00
Current monthly statement (post)
Free
Dual statement (email & post)
R15,00
FNB ATM Mini Statement (view or print)
R2,80
Credit Card Purchase (Local)*
Free
Credit Card Budget Purchase
Free
Fuel Transaction Fee (Petro Cards only)
R4,50
Cash Withdrawal Fees
Fee
FNB ATM (per R500,00)
R6,30 (max R25,20)
Other Banks’ ATM
R6,50 + FNB ATM Fee
FNB Mini ATM (per R500,00 or part thereof)
R3,00
Other Banks’ Mini ATM (per R500,00 or part thereof)
R4,50
Branch (includes all financial institution branches and the purchase of foreign exchange)
R33,00 + 1.49% of withdrawal value
Cash on Budget
FNB ATM with Automated Deposit Terminal (ADT): • % of value • Minimum
0.70% R5,50
Cheque Clearance Fee
R240,00
FNB Branch and FNB ATM with envelope deposits: • % of value • Minimum
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FNB Branch
1.35% R30,00
R5,00 (per request R1,00 per page thereafter, max R50,00)
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Statements (continued)
Fee
Convenience Fees
Historical Statements
Send money to an FNB eWallet
Paper statement
R5,00 (per request R1,00 per page thereafter, max R50,00)
Email (per statement)
R5,00
Other Fees
Fee
Changes to Account Limits
Free
Bank Cheque Administration Fee
R60,00
Special Arrangement Fee
R330,00
Reschedule Fee
R90,00
Budget Facility Setup Fee (if not done at Point of Sale)
R33,50
Unpaid Fees
R230,00
Temporary Credit Service Fee** (only applicable to NCA accounts with credit agreements after 1 June 2007)
R55,00
Section 129 Letter Fee
R35,23
Declined Transaction Fee
R7,00
* ^ **
Value: R20,00 – R1 000,00
R8,50
Value: R1 000,01 – R2 000,00
R12,50
Value: R2 000,01 – R3 000,00
R16,50
Reversal of incorrect ‘Send money to an FNB eWallet’ transaction
R20,00
Cardless Cash Withdrawal (Cellphone Banking)
R4,00 + FNB ATM Fee
Pay2Cell
R3,30
LOTTO TM / PowerBall Purchase
R1,80
Prepaid Transaction Fee (FNB ATM, Cellphone, Online & Telephone Banking)
R1,80
International Currency Commission and Conversion Fee of 2.75% of the transaction value applies for International purchases. This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATM’s charge an additional surcharge. A monthly service fee in accordance with the National Credit Act and not exceeding the maximum permissible. Card fees are not negotiable.
Important information: Fees that have not changed or have decreased are shown in orange.
• The above pricing is inclusive of VAT. • The 50% Encore discount applies to the Card Fees of the Primary
Arrears Fee (only applicable to NCA accounts with credit agreements after 1 June 2007)
R125,00
Card Replacement Fee
R105,00
Fast-track Card Replacement Fee (per card)
R385,00
•
Card Courier Personal Delivery
R195,00
•
Card Delivery to the nearest FNB Branch
Free
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Fee
•
•
Credit Card and Linked Petro Card. The 50% discount does not apply to additional cards. FirstRand Bank Limited reserves the right to amend product features or pricing at anytime with reasonable notice. We further reserve the right to re-price our products at anytime subject to Regulatory or Legislative changes. A detailed copy of the pricing is available at your nearest FNB Branch and on the website. NCA interest rates are personalised and appear on the Credit Card Statement. Visit our website at www.fnb.co.za for a copy of the Terms and Conditions that govern our agreement. Should you require further information on any FNB Credit Card products or services, please contact FNB Credit Card Customer Enquiries on 087 575 1111. Page 86
