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First National Bank (FNB) is the oldest bank in South Africa. But that has not prevented it from evolving and adapting to today’s modern financial systems.The number of services it offers, combined with its innovation and excellent service, have made it one of South Africans’ favorite banks, especially regarding credit cards.
FNB offers both personal and commercial credit cards. In the case of personal credit cards, it offers four different options, but now we will only talk about the Premier Credit Card. FNB offers both personal and commercial credit cards. In the case of personal credit cards, it offers four different options, but now we will only talk about the Premier Credit Card.
In the past, when you wanted to apply for a credit card, the only way was to take a large number of forms and documents to the nearest branch of the bank of your choice. The process could be long and difficult. Today, all that has changed.
At First National Bank, there are different ways in which you can apply for a credit card, specifically the Premier. The first way is to call the bank directly and request it over the phone. After a few days, the bank will let you know if your application has been approved or denied.
Another way is the conventional way, gathering all the requested documents and going to the nearest branch of First National Bank. There, a bank agent will explain everything you need to do.
In addition, FNB has online banking through which you can also apply for a card. You only need to have the required documents to scan at the time of filling out the application.
Whichever way you apply for the Premier Credit Card, you must wait a few days to find out if you were granted the card. If so, you must present your South African ID book or smart card to prove that you are the applicant for the card.
FNB is quite rigorous in establishing the eligibility parameters for granting this card.
For example, one of those parameters is that the person applying for the Premier Credit Card must have a good credit history, and the FNB will check thoroughly. In this case, before you apply for the card, verify that everything is in order with your tax returns.
Another essential eligibility parameter is the issue of minimum income. If the applicant doesn’t have a minimum monthly salary of R25,000.00, it will be impossible for the application to be approved. It is a controversial issue because many consider the minimum income requirement too high considering the card is not a first-level card.
The Premier Credit Card is one of the best credit cards that FNB can offer because of the benefits it offers to its customers. One of the main ones is that it provides fraud protection, travel insurance, access to online banking, discounts, offers, and rewards for using the card.