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Understanding FNB Credit Card Pricing
Understanding the FNB credit card pricing and fees associated with an FNB Credit Card is essential for making informed financial decisions. This guide provides a comprehensive overview of the various fees, value-add services, and frequently asked questions related to FNB Credit Card pricing, empowering individuals to align their financial choices with their unique needs and goals.
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FNB Credit Card Pricing
Monthly Account Fees
- The standard monthly account fee for the FNB Business Credit Card is N$45.00.
Credit Limit Fee/Facility Fee
- The credit limit fee is calculated at 0.37% of the total credit limit, offering users flexibility in managing their credit.
Value-Add Services (FNB Credit Card Pricing)
FNB provides an array of value-add services at no additional cost, including:
- Comprehensive Global Travel Insurance
- Automatic debt protection
- Free inContact (SMS & email)
- E-mailing of statements
- Lost card protection
- FNB App subscription
Withdrawals (FNB Credit Card Pricing)
- Users can make cash withdrawals at FNB ATMs with a cardless withdrawal fee of N$13.70 per N$500.
- Non-FNB ATM withdrawals incur a fee of N$5.60 plus N$13.70 per N$500, with a maximum fee of N$35.00.
- Consultant assisted withdrawals at FNB branches have a fee of N$100.00 plus 3.80%.
- International ATM withdrawals attract a fee of N$65.00 plus 2.75% of the value.
Payments, Purchases, and Transfers
- Credit card purchases are free, offering convenience for users.
- For international transactions, a currency conversion fee of 2.75% of the value is applicable.
Statements and Balance Enquiries
The FNB Card offers various options for statements and balance enquiries, including:
- Free monthly statement via email
- A monthly statement via post incurring a fee of N$36.75
- FNB ATM mini-statement at N$1.00 per page
- Historical statements print at N$1.00 per page
- Free electronic balance enquiry
Convenience Fees (FNB Credit Card Pricing)
- Card replacement fee amounts to N$165.80, while card delivery to the nearest FNB branch is free of charge.
Penalty and Other Fees
- Late payment and over limit fees stand at N$200.00 each, emphasizing the importance of timely payments.
- Declined transaction fees are free of charge, providing transparency for users.
- Voucher retrieval fees are N$126.00 for local and N$336.00 for international transactions.
By comprehensively understanding the fees, services, and benefits associated with an FNB Credit Card, individuals can make informed decisions that align with their financial goals and lifestyle needs. It’s important to review the specific terms and conditions provided by FNB and consider how they apply to individual financial situations.
Frequently Asked Questions (FAQs) About FNB Credit Card Pricing
Q: What are the monthly account fees for an FNB Business Credit Card?
A: The standard monthly account fee for the FNB Business Credit Card is N$45.00.
Q: Are there any additional fees for credit limit or facility usage?
A: Yes, the credit limit fee is calculated at 0.37% of the total credit limit, offering users flexibility in managing their credit.
Q: What value-add services are provided with the FNB Credit Card?
A: FNB offers an array of value-add services at no additional cost, including comprehensive global travel insurance, automatic debt protection, free inContact (SMS & email), emailing of statements, lost card protection, and FNB App subscription.
Q: How much is the fee for cash withdrawals at FNB ATMs and non-FNB ATMs? (FNB Credit Card Pricing)
A: Users can make cash withdrawals at FNB ATMs with a cardless withdrawal fee of N$13.70 per N$500. Non-FNB ATM withdrawals incur a fee of N$5.60 plus N$13.70 per N$500, with a maximum fee of N$35.00.
Q: What fees are associated with international ATM withdrawals?
A: International ATM withdrawals attract a fee of N$65.00 plus 2.75% of the value.
Q: Are there any fees for credit card purchases and international transactions?
A: Credit card purchases are free, offering convenience for users. For international transactions, a currency conversion fee of 2.75% of the value is applicable.
Q: How can I receive statements and conduct balance enquiries for my FNB Credit Card? (FNB Credit Card Pricing)
A: The FNB Card offers various options for statements and balance enquiries, including free monthly statement via email, a monthly statement via post incurring a fee of N$36.75, FNB ATM mini-statement at N$1.00 per page, historical statements print at N$1.00 per page, and free electronic balance enquiry.
Q: What are the fees for card replacement, late payment, and over limit situations?
A: The card replacement fee amounts to N$165.80, while card delivery to the nearest FNB branch is free of charge. Late payment and over limit fees stand at N$200.00 each, emphasizing the importance of timely payments.
Q: Are there any fees for declined transactions and voucher retrievals?
A: Declined transaction fees are free of charge, providing transparency for users. Voucher retrieval fees are N$126.00 for local and N$336.00 for international transactions.
By comprehensively understanding the fees, services, and benefits associated with an FNB Credit Card, individuals can make informed decisions that align with their financial goals and lifestyle needs. It’s important to review the specific terms and conditions provided by FNB and consider how they apply to individual financial situations.
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