FNB Black Card Review and All You Need to Know 2022

Aside from being distinguished, the FNB black card offers plenty of benefits, and possessing one places you in an exclusive club of South Africans.

What is a Black Card ?

In South African, a “black card” is a credit or debit card that is aimed at high-net-worth people earning more than R750,000.00 per year. The name of the card is taken from the color of the card itself. A black card typically provides the user with access to a credit facility of R300,000.00. Business owners and C-Suite executives are the most common types of people that have a black card.


What are the different types of FNB Cards?

  • FNB private wealth debit black card
  • FNB enterprise business card debit
  • FNB private clients debit card
  • FNB private wealth credit card
  • FNB business credit card
  • FNB private clients credit card

FNB private clients debit card

The FNB private clients debit card provides a bunch of benefits. Designed for professionals and business owners who wish to accomplish their financial goals via the use of credit cards.

To be eligible for this FNB black card, you must earn a minimum of R750,000.00 per year or higher in gross income. This card has a monthly service charge of R385.00 per month and comes with a personal banker who is assigned exclusively to you.

The following are the criteria and benefits of obtaining a private clients card.

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FNB Black Requirements

  1. You must have a gross income of R750,000.00 or more, or
  2. You must have R75,000.00 in your gold or premium account for a period of three months.

Advantages FNB private clients debit card

  1. Use your card to purchase airline tickets, Uber food, and other online purchases to earn eBucks points, which may be worth up to 40% of your whole purchase.
  2. You may make free card purchases, airtime purchases, payments and transfers using the FNB app, as well as debit order transactions using your card.
  3. Withdrawals of up to R10,000.00 are completely free.
  4. When you buy gasoline from any engine repair, you may get up to R4.00 in cash back.
  5. You are entitled to two free money transfer transactions each month.
  6. Every month, you may get free atm deposits of up to R9,000.00.
  7. If you maintain a minimum balance of R75,000.00 in your account each month, your monthly account service costs may be waived.
  8. You will be assigned a dedicated private banker who will be assigned to you on an individual basis.
  9. Having access to the lazy lounge
  10. Every month, you’ll get 500MB, 60 minutes, and 60 SMS messages for free.

Disadvantages of FNB private clients debit card

  1. In-branch deposits, debit order management, and payments are subject to higher fees.
  2. You are charged much more for linked bank account transfers at the FNB branch than you would be if you did them via the app.
  3. When a transaction is rejected, a large amount of money is collected in your account.
  4. You may be charged an overdraft fee of up to R69.00, and you may also be charged interest.

After all has been said and done, I can confidently state that the FNB private clients black card is fantastic. As a private client cardholder with FNB, I can testify to the fact that this is the case. It provides services that are second to none.

If, like me, you don’t have the patience to wait until the following morning, the dedicated private banker is available 24 hours a day, seven days a week.

The process of applying for my mortgage bond was very simple. A few minutes ago, I phoned my bank and informed her that I wanted a house loan. It just took her a few minutes to inform me what papers I needed to submit, and she took care of the rest.

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That, in my opinion, is what I mean by “value for money.”

When the private banker is unable to be reached on her work phone or mobile phone, you will get a call in advance to inform you of this.

In any case, having one’s finances regularly scrutinized by a private banker is a standard that is very pleasant.

When I initially switched from a gold account to a private client’s debit account, I ran into several difficulties. I had an excessive number of debit orders for my account, and it cost me a lot of money every time one of the debt orders bounced. Every debit order that bounced resulted in a fee of about R150.00 being applied to my account. I suppose this was my fault since I didn’t handle my affairs in a very effective way.

If you have debit orders, I would recommend that you constantly have money in your bank account so that they do not bounce back.

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FNB private wealth debit black card

Private wealth debit card, one of the finest black cards in South Africa, is designed for the ultra-rich. The card comes with a slew of appealing benefits. Let’s take a look at the benefits, criteria, and drawbacks of having a FNB black card.


  • Must have a gross income of at least R1,500,000.00 per year or assets worth at least R15,000,000.00.

Benefits FNB private wealth debit black card

  1. Can get a private wealth credit card,
  2. When you travel, have complete coverage.
  3. Pay and clear for free, as well as payments and transfers, airtime purchases, debit orders, card purchases, and card replacement.
  4. On FNB’s life insurance, you may earn up to 40% back in ebucks.
  5. Get free statements, balance inquiries, linked account transfers, and more.
  6. Get up to R20,000.00 in free cash deposits each month.
  7. When you use eBucks to make Uber Eats purchases, you will get 15% back in eBucks.
  8. Global account transfers are free of charge.
  9. When you maintain a minimum balance of R100,000, the monthly account services charge is waived.
  10. You will get access to the slow lounge.
  11. You may withdraw money from your card as many times as you like.
  12. Every month, you will get 500mb, 60 minutes, and 60 SMS.

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Disadvantages of FNB private wealth debit black card

The FNB private wealth debit black card screams “rich.” This FNB black card comes with a plethora of advantages. This seems to be the finest FNB debit card when compared to others. Almost all services are provided for free. However, you must pay a larger monthly service cost to get it.

If you keep a balance of R100,000 in your account, your monthly fees will be waived. Many people do not have as much money to maintain in their bank account, but if you have, it will most likely work well for you.

Calculate your opportunity cost if you don’t need to maintain so much money in a bank account. If you’re going to earn money with that R100,000, utilize it.

This card, like the FNB private client debit black card, comes with a private banker. In addition to the private wealth account, you will get a private banking analyst to assist you in managing your financial affairs.

If you have this card, you can earn a lot of ebucks. If you prefer to shop online or ride the Gautrain, you may benefit from the ebucks incentives. On purchases, you may earn up to 40% back in ebucks.

FNB enterprise business card debit

Clearly intended for businesses. This card is available to businesses with a yearly turnover of more than R60,000,000.00. This card is relationally oriented, and service fees are paid depending on your business’s requirements.

Definitely designed to suit the requirements of entrepreneurial businesses.

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FNB enterprise business card debit Requirements

  1. Must have revenue of R60,000,000.00 or more

Advantages of FNB enterprise business card debit

  1. Get ebucks rewards when you use your car at Engine, Gautrain, Shoprite, takealot, and other stores,
  2. Get free comprehensive global life cover when you travel,
  3. Get an analyst for your business,
  4. Free unlimited card purchases and ATM withdrawals
  5. Get ebucks points when you travel and hire a car with AVIS,
  6. Get free statements and balance check whenever
  7. Get a private banker for your business,
  8. The card comes tailor-made to cater for your industry needs

Disadvantages of FNB enterprise business card debit

Not every business can get this card, only a selected few businesses have a chance of owning this elite black card. If your business makes more than R60,000,000.00 in revenue you can visit your nearest FNB branch to start your application. Your business may be in need of this financial product

FNB private clients credit card


Before you apply for this credit card there are a few things that you may need to know. This card has a monthly services fee of R192.00 per month. Has a facilitation service fee of R17.00 and an initiation fee of up to R172.00. In addition, you get a free ebucks membership rewards.


  1. Must earn R750,000.00 per annum or more or
  2. Maintain a balance of R75,000.00 for 3 consecutive months, and
  3. Must have a good credit score


  1. Get up to 55 days of interest-free purchases,
  2. Get ebucks rewards when you buy on selected stores,
  3. Free mini statements and historic statements,
  4. Free balance enquiries and card purchases,
  5. Free linked accounts transfer and payments,
  6. Free card replacement,
  7. Access to slow lounge,
  8. Credit from R75,000.00

If you are looking to start a new credit on a black card I recommend FNB private clients credit black card. It is an easy way to grow from private clients to private wealth cardholder. This account requires a smaller balance kept in your account for the waiving of service fees.

The difference is so huge that needs to be maintained, you will need to keep an extra R25,000.00 if you are a private wealth holder.

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FNB private wealth credit card

This fnb black card has a monthly services fee of R248.00 per month. Has a facilitation service fee of R17.00 and an initiation fee of up to R172.


  1. Must earn an income of R1,500, 000.00 per annum or
  2. Own assets worth R15,000,000.00 and
  3. Have a good credit score


  1. Get up to 55 days of interest-free purchases,
  2. Get ebucks rewards when you buy on selected stores,
  3. Unpaid mini statements and historic statements,
  4. Balance enquiries and card purchases at no cost
  5. Free linked accounts transfer and payments,
  6. Credit from R100,000.00
  7. Unpaid card replacement,
  8. Access to slow lounge

FNB business black credit card

The FNB business credit card charges R250.00 monthly service fees.


  1. Must have revenue of R60,000,000.00 or more per annum,
  2. The company must have a good credit score rating and
  3. Must have a business account with FNB


  1. Free SLOW Domestic and International Lounge visits per year and Complimentary SLOW in the City Access
  2. Through the GCAS (global customer assistance services) program, Visa provides high-quality assistance when you travel overseas. Available globally, 24/7, 365 days a year
  3. Get free comprehensive global travel insurance that keeps you covered locally and internationally when you purchase your travel tickets using
  4. Get ebucks when using your card on selected stores
  5. Free card transactions

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If you already have a FNB personal or business card, it is simple to apply for a new one. FNB has a technology that calculates your earnings and utilizes that information to provide you with card choices that you are eligible for in real time.

To upgrade a debit card, no documentation is needed; just enter your new address and your card will be sent.

Proof of income is needed to establish the amount of credit you qualify for when applying for a credit. You may use your mobile app to check which goods you qualify for if you want to see whether you qualify for a new product.

When receiving a fnb black card, don’t make hasty choices. Understand how moving from your existing card will benefit you. Affordability is a major consideration in this case.

I’ve seen individuals take out credit and then not be able to pay it back within a month. FNB black credit cards come with a large credit limit, so be prepared to utilize just the credit that you can afford.

Check your credit score first before applying for a credit card. If your credit score is poor, examine your credit report to see what you’re doing wrong. FNB will not provide you credit if you are unable to manage your credit.

Visit the FNB Website for additional information.

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