FNB Business Gold Credit Card

Introduction

The FNB Business Gold Credit Card gives South African businesses a line of credit for business spend, tied into FNB’s well-regarded digital banking. It supports expense management, rewards through eBucks, and everyday business purchasing.

Who it suits

It fits a business that banks with FNB or wants a business card integrated with strong digital banking and a rewards programme, to manage spend and short-term cash flow.

What you get

  • A revolving business credit facility.
  • Integration with FNB’s digital banking and app.
  • eBucks rewards and business benefits.
  • Expense separation for cleaner books.

Costs

The card carries fees, interest on balances carried, and FNB’s eligibility criteria. Check the current fees, interest rate and requirements before applying.

Our take

The FNB Business Gold card is a solid choice if you already use FNB and value its digital tools and rewards. As with any credit card, it is best for cash-flow timing and spend control, not funding growth. For that, see our funding options and manage cash flow carefully.

Compare funding options

Related: Cash flow  ·  Funding options  ·  Business banking

Main Features

Flexible Repayment: You can choose from full monthly settlement, a revolving credit facility (minimum 10% repayment), or a budget facility.

Zero Transaction Fees: No transaction fees on standard purchases (excluding fuel and cash withdrawals).

Rewards and Cashback: You can earn and maximise returns through FNB’s eBucks Rewards for Business, which offers up to 15% back on fuel, prepaid electricity, and selected retail partners.

Travel Benefits: FNB offers its gold members automatic global travel insurance and access to VISA partner discounts.

Advanced Security: For added security, the offering includes inContact Pro instant notifications, Online Secure for safe online purchases, and protection against fraudulent, non-PIN-related incidents.

Vehicle and Travel Aid: You can add a linked petro card to cover fuel and tolls, and gain access to digital Virtual Cards for safe contactless payments.

Pricing

FNB charges annual and monthly facility fees, as well as standard transaction and service charges.

  • Monthly Account/Facility Fee – From R49 per month
  • Purchases – There are zero transaction fees for local point-of-sale (POS) and online purchases.
  • Cash Withdrawals – Standard ATM cash withdrawal fee, starting at R2.80 per R100.
  • Interest Rates – Personalised interest rates are capped per the National Credit Act (NCA), starting from the prime rate of 11.25% + 2% up to over 17% depending on your risk profile.
  • Card Replacement – R120
  • Declined Transactions – R8,00
Pros and Cons

Pros

Rewards programmes
Interest-free days
Improved cash flow
Tracking and reporting on purchases

Cons

Unlike other business credit cards, you get 35 interest-free days instead of 55 days.
Potential for debt
Creditworthiness impact
FAQs

The documents you’ll need can vary depending on your business structure. Generally, you’ll need your South African ID, business registration documents, and recent financial statements. It’s best to contact FNB directly for a specific list.

Yes, new businesses can apply, but they may need to provide additional documentation or have a personal banking relationship with FNB.

FNB considers various factors when reviewing applications, not just your credit score. Having a healthy business bank account with FNB can improve your chances.

Yes, FNB charges foreign transaction fees for using your card outside of South Africa.

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