FNB Aspire credit card Review 2024

The FNB Aspire Credit Card offers a credit limit of up to R250,000.00 and is accessible to individuals earning annual […]

FNB Aspire Credit Card

The FNB Aspire Credit Card offers a credit limit of up to R250,000.00 and is accessible to individuals earning annual incomes ranging from R84,000.00 to R499,999.00.

The FNB Aspire Credit Card comes with the following facility fees:

  • Credit facility service fee: R17.00
  • Initiation fee (one-time): R175.00
  • Monthly fee for the FNB Aspire Credit Card: R28.00

FNB Aspire Credit Card Fees 2024

Fee DescriptionAmount
Credit facility service feeR17.00
Initiation fee (once-off) Credit card account feesUp to a maximum of R175.00
FNB Aspire Credit Card monthly feeR28.00
Additional card feeR17.50
Cash withdrawalsR6.25
FNB Credit Card purchasesNo charge
FNB Credit Card budget purchasesNo charge
Fuel transaction fee (FNB Petro Cards only)No charge
Cash withdrawal fees:
– FNB ATMR2.40 per R100
– Other banks’ ATMs and mini ATMsR12 + R2.40 per R100
– FNB mini ATMR2.40 per R100
– Branch (includes all financial institution branches and the purchase of foreign exchange)R80 + R3 per R100
Cash on budgetR80 + R3 per R100
International (ATM and branch)*R80 + R3 per R100
Cash@Till®No charge
Credit card account fees:
– FNB ATM with Automated Deposit Terminal (ADT)R1.40 per R100
– FNB Branch and FNB ATM with envelope depositsR80 + R3 per R100
Linked account transfers and account paymentsNo charge
IVR Smart Transfer to FNBNo charge
Linked account transfersR8.50
Third party paymentsR80
Telephone banking (consultant assisted)R80
Transfers and payments at FNB Branch2% of transaction value (max R100)
International card purchase feeR105
Voucher Retrieval Requests:
– LocalR295
– International2% of transaction value (max R100)

Benefits of The FNB Aspire Credit Card

  • Unbeatable Value for Money: Access to rewards and benefits that help you save on fuel and groceries, with unlimited swipes from R45 per month.
  • Debt Protection at No Charge: Protect your family from outstanding debt with Automatic Debt Protection, which pays out in the event of your death or permanent disability.
  • Unexpected Medical Expenses: Pay off medical expenses at an interest rate of prime.
  • Virtual Cards: Access virtual cards at no extra cost, ideal for online shopping with added safety due to dynamic 3-digit CVV that changes regularly.
  • Contactless Payments: Use virtual cards for FNB Pay (Tap to Pay and Scan to Pay) and partner wallet transactions without the need for a physical card.
  • Earn and Spend eBucks: Earn and spend eBucks while shopping across a variety of partners like Takealot, Checkers, Engen, iStore, and Clicks at no additional cost.
  • Exclusive FNB Offers: Access exclusive FNB Offers from retailers such as iStore, KOODOO.co.za, The Pro Shop, and Cycle Lab at an interest rate of prime or prime + 2%.
  • Get New Shoes: Get rewarded with R1,500 towards a new pair of shoes every year when you spend and save or use digital services monthly on the FNB app.
  • Buy with eBucks: Top up on data/airtime, electricity, and other lifestyle vouchers to make your life easier.
  • Pay with eBucks: Use eBucks to pay for selected prepaid and voucher products if you qualify.

Pros and Cons of The FNB Aspire Credit Card

Pros of the FNB Aspire Credit Card:

  • High credit limit up to R250,000.00.
  • Accessible income range for eligibility.
  • Competitive fees compared to other cards.
  • Various rewards and benefits offered.
  • Virtual cards for added online security.
  • Contactless payment options available.
  • eBucks rewards program for savings.
  • Exclusive offers from partner retailers.
  • Reward for digital app usage.
  • Convenient top-up and payment options with eBucks.

Cons of the FNB Aspire Credit Card:

  • Monthly fees and cash withdrawal fees.
  • Fees for international transactions.
  • Miscellaneous fees for various transactions.
  • Income eligibility may exclude some.
  • Limited redemption options for rewards.

Requirements of The FNB Aspire Credit Card

  • Earn an annual income between R84 000 to R449 999 
  • Recent payslip copy
  • Three months’ bank statements
  • South African ID book/card
  • Proof of residence


The FNB Aspire Credit Card stands as a formidable contender in the credit card market, offering a blend of accessibility, benefits, and rewards. With its generous credit limit, attractive rewards program, and user-friendly features, the card caters to the diverse needs of modern consumers. While certain fees and limitations exist, the overall value proposition of the FNB Aspire Credit Card remains compelling, making it a worthy choice for those seeking a reliable financial companion in 2024.