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FNB Credit Card offers the following FREE Value-added Services* : FNB Credit Card offers the following Rewards you can earn* :

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Fee Description

Fee

Fee

Fee

Purchases

Cash Withdrawals

Send Money from an FNB eWallet

to another FNB eWallet R8,50

Deposit cash into eWallet at FNB ADTs

(ATMs with automated deposits) R5,00

Monthly Fee Free

Monthly Dormancy Fee (only charged after 6 consecutive months of inactivity)

R5,00

Payments to a bank account R2,50

Purchase in-store Free

Prepaid purchase R2,50

R6,00 per R500,00 (max R18,00) FNB ATM Cash Withdrawals

(first withdrawal per send is free)

Statements and Balance Enquiries Free Free

Cash@TillTM

The following fee will be charged to the sender’s

account when sending money to an FNB eWallet:

Fee Description

Fee

Transfer from your FNB account to your eWallet Value: R20,00 – R1 000,00 R8,50 Value: R1 000,01 - R2 000,00 R12,50 Value: R2 000,01 - R3 000,00 R16,50 Free (Unlimited Option) R3,30 (Pay-As-You-Use Option) Visit www.fnb.co.za for more information or call 087 575 9405 Terms and Conditions apply.

Credit Card

FNB Credit Card is no longer just about

credit, it has grown into the ultimate

transactional tool giving you real value

and benefits that make life rewarding with

everyday savings.

FNB Credit Card offers the following FREE

Value-added Services* :

• Comprehensive Global Travel Insurance

• Automatic Debt Protection

• Lost Card Protection

• PIN Replacement

• AA Emergency Roadside Assistance

(Petro Cards only)

Included:

(part and parcel of your product)

• Online Banking Subscriptions

• Telephone Banking Subscriptions

• Cellphone Banking Subscriptions

• inContact (SMS / email notification)

• Decline inContact

Optional:

(customer needs to apply)

Visit www.fnb.co.za for more information or call 087 575 1111 * Terms and Conditions apply.

• eBucks

• Rewards on Fuel

• Rewards on Airtime

FNB Credit Card offers the following

Rewards you can earn* :

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eBucks*

(Classic, Gold and Platinum Credit Cards only) eBucks is FNB’s innovative rewards programme. You can enjoy being rewarded by swiping your FNB Credit Card.

Visit www.fnb.co.za for more information.

Credit Card

Annual eBucks Fee

R200,00

(per annum, per account on the

anniversary of the Fee)

eB1 for every R10 spent

Classic Credit Card R5 000 ,00 Straight Gold Credit Card R10 000,00 Platinum Credit Card R20 000,00 Unlimited Budget Unlimited Unlimited Earn rate: (Straight & Budget)

Loyalty Cap:

There is no minimum card spend required for you to start earning eBucks, but rewards will only be paid out once the minimum payment for that specific account is made. Excluded transactions include fuel purchases, cash withdrawals, third party payments, balance transfers, electronic fund transfers (EFTs) and gaming transactions.

Rewards you can earn*

Comprehensive Global Travel Insurance

Get free Comprehensive Global Travel Insurance for every ticket purchased with your FNB Credit Card. This innovative service gives travel ticket holders Comprehensive Global Travel Insurance, both locally and internationally. There’s no need to buy additional top-up cover.

AA Emergency Roadside Assistance

(Petro Cards only)

Free AA Emergency Roadside Assistance, giving you peace of mind motoring includes call-out & tow-in services.

This benefit now includes a new Stand By You service. Request this service when your car breaks down and an armed security guard will stay with you until the AA patrolman arrives.

Debt Protection Plan

Automatic Debt Protection protects you and your family, at no additional cost, from the outstanding debit balance on your FNB Credit Card account or the specified maximum amount as stated in the table below, whichever is the lesser at the time of your death or permanent disability.

We offer Top-up Debt Protection Plan (TDPP) as a top-up to Automatic Debt Protection to extend your specified maximum debt cover at an additional cost, as per the table below.

Automatic Debt Protection (ADP) Top-up Debt Protection Plan (TDPP) R100 000,00 R80 000,00 R10 000,00 Pla ti num C re d it C ard G ol d C re d it C ar d St and al on e Pet ro C ar d Free Free Free Premium R5,00 / R1 000,00 R5,00 / R1 000,00 R6,00 / R1 000,00 Premium R12 000,00 R5 000,00 R1 000,00 Specified Maximum Amount R88 000,00 R75 000,00 R50 000,00 Cl as si c C re d it C ard Free R6,00 / R1 000,00 R2 000,00 R48 000,00 R9 000,00 Specified Maximum Amount Total cover

Value-added Services* :

Fuel

Get up to 15% back in eBucks or 10% back in cash

on your qualifying fuel purchases made with your FNB

Credit or Linked Petro Card.

Airtime

Get up to 15% back in eBucks or 10% back in cash

on your qualifying prepaid airtime purchases made

through FNB’s electronic channels (Online Banking,

Cellphone Banking and the FNB Banking App).

You can now earn Rewards on your fuel AND airtime purchases!

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Peak time

allocation

Do you meet

the qualifying

criteria?

Off-peak time

allocation

2 free SLOW Lounge

visits per billing/ statement period for cardholders only. No guest visits.

4 free SLOW Lounge visits per billing/ statement period for the cardholder (including guests).

R250,00 pp R250,00 pp

SLOW Domestic Lounges

Platinum Credit Card customers enjoy exclusive access to

SLOW Domestic Lounges, which can be found at the Domestic

Terminals of O.R. Tambo International, Cape Town International

and King Shaka International Airports. Qualifying criteria and terms

of usage are detailed in the tables below. Terms, Conditions and

Rules Apply.

SLOW

Meet the qualifying criteria by:

Having an active Platinum Credit Card in good standing**

Having total monthly swipes to the value of at least

R5 000,00 on your Platinum Credit Card in the billing /

statement period preceding your visit

* Terms and Conditions apply.

** An account in good standing means that none of your FNB and FirstRand Bank accounts and credit agreements should be overdrawn, or be in arrears, or be in default, or be subject to any legal process with FNB or FirstRand Bank as defined in our Ts & Cs.

Note: Peak times are on Weekdays (Mon-Fri): 04h45-07h00 and 15h00-17h30 as well as on Sundays: 15h00 - 17h30. All entries are non-transferrable, with any additional entries (in excess of those mentioned above and where qualifying criteria has been met) being charged at R250,00 pp (peak) & R125,00 pp (off-peak).

Platinum Credit Card customers also enjoy exclusive access to SLOW in the City located in the heart of Sandton. Please note that these facilities are charged for, and they are available to Platinum Credit Card customers for a limited time only. For a limited period only, Platinum Credit Card customers can enjoy exclusive access to the SLOW International Lounge located at the International Terminal of O.R. Tambo International Airport.

Any additional entries in excess of those mentioned above and where qualifying criteria has been met is charged at R250,00 per person.

Please note that Terms, Conditions and Rules apply. For further details on all your Rewards and Benefits, visit www.fnb.co.za.

SLOW in the City

SLOW International

Charges

Do you meet

the qualifying

criteria?

R250,00 pp (50% discount) R75,00 per childbetween the ages of 2-18years

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Card Fee:

Refers to the costs of account and transactional maintenance of your Primary Card Account.

NCA Customers (Credit agreements after 1 June 2007).

You are an NCA customer if:

You entered into a credit agreement with us on or after 1 June 2007.

You were an existing FNB Credit Card customer, who after 1 June 2007 chose to re-contract with us.

Usury Customers (Credit agreements prior to 1 June 2007 - Governed by the Usury Act).

You are a Usury customer if:

You were a customer of FNB Credit Card prior to 1 June 2007.

Definitions:

For ease of reference, monthly NCA Card fees for our product range have been segmented below.

Fees that have not changed or have decreased are shown in orange.

R12,50 R27,04 R55,00 R27,04 Platinum Credit Card Standalone Petro Card R11,66 R11,66 R24,50 R28,00 Classic Credit Card Gold Credit Card

Linked Petro Card

(per card linked to account)

Initiation Fee

(once-off)

R12,50 Not applicable R135,00 R135,00 R12,50 R12,50 R135,00 R135,00

Additional Card Fees

(per card linked to

account)

(5)

Maximum rate for Platinum and Islamic Platinum Cheqeu Acc

Cash Withdrawal Fees

Deposits

Fee

Fee Credit Card Purchase (Local)*

FNB Mini ATM

(per R500,00 or part thereof) Other Banks’ Mini ATM

(per R500,00 or part thereof)

Free Credit Card Budget Purchase Free Fuel Transaction Fee

(Petro Cards only) R4,50

Purchases Fee

FNB ATM (per R500,00) R6,30 (max R25,20) Other Banks’ ATM R6,50 + FNB ATM Fee

R3,00

R4,50

Branch R33,00

+ 1.49% of withdrawal value (includes all financial institution

branches and the purchase of foreign exchange) R45,00 + % of withdrawal value Cash on Budget % of value : Platinum Gold Classic International^ (ATM and Branch)

2.00% 2.25% 2.50% 0.70% R5,50 1.35% R30,00 R27,00 + 1.60% of withdrawal value Cheque Deposits

(free for Encore) R16,00

Cheque Clearance Fee R240,00

FNB ATM with Automated Deposit Terminal (ADT):

% of value

Minimum

FNB Branch and FNB ATM with envelope deposits:

% of value

Minimum

Other FNB Credit Card Related Fees

Maximum rate for Platinum and Islamic Platinum Cheqeu Acc

Statements

Voucher Retrieval Requests

Fee Fee Linked Account

Transfers & Account Payments

Fee Free IVR Smart Transfer to FNB

R3,30 Linked Account Transfers

R7,00 Third Party Payments

R34,00 Telephone Banking

(consultant assisted)

R40,00 Transfers and Payments

at Branch

Balance Enquiries Fee

FNB ATM Free

FNB Branch R3,95

International R3,95

R3,95 Other Banks’ ATM

Local R70,00

International R240,00

Current monthly statement

(email) Free

Current monthly statement

(post) Free

Dual statement

(email & post) R15,00

FNB ATM Mini Statement (view or print) FNB Branch

R2,80 R5,00

(per request R1,00 per page thereafter, max R50,00)

(6)

Historical Statements

R5,00 (per request R1,00 per page thereafter, max R50,00) Paper statement

R5,00 Email (per statement)

Changes to Account Limits Free Bank Cheque Administration Fee R60,00 Special Arrangement Fee R330,00

Reschedule Fee R90,00

Budget Facility Setup Fee (if not done at Point of Sale)

R33,50

R230,00 Unpaid Fees

Statements (continued)

Other Fees Fee

Fee

R55,00 Temporary Credit Service Fee**

(only applicable to NCA accounts with credit agreements after 1 June 2007)

R35,23 Section 129 Letter Fee

R7,00 Declined Transaction Fee

R125,00 Arrears Fee

(only applicable to NCA accounts with credit agreements after 1 June 2007)

R105,00 Card Replacement Fee

R385,00 Fast-track Card Replacement Fee

(per card)

R195,00 Card Courier Personal Delivery

Free Card Delivery to the nearest

FNB Branch

Important information:

Fees that have not changed or have decreased are shown in orange.

The above pricing is inclusive of VAT.

The 50% Encore discount applies to the Card Fees of the Primary Credit Card and Linked Petro Card. The 50% discount does not apply to additional cards.

FirstRand Bank Limited reserves the right to amend product features or pricing at anytime with reasonable notice. We further reserve the right to re-price our products at anytime subject to Regulatory or Legislative changes.

A detailed copy of the pricing is available at your nearest FNB Branch and on the website.

NCA interest rates are personalised and appear on the Credit Card Statement.

Visit our website at www.fnb.co.za for a copy of the Terms and Conditions that govern our agreement.

* International Currency Commission and Conversion Fee of 2.75%

of the transaction value applies for International purchases.

^ This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATM’s charge an additional surcharge.

** A monthly service fee in accordance with the National Credit Act and not exceeding the maximum permissible.

Card fees are not negotiable. Send money to an FNB eWallet

Value: R20,00 – R1 000,00 R8,50 Value: R1 000,01 – R2 000,00 R12,50 Value: R2 000,01 – R3 000,00 R16,50

Pay2Cell R3,30 LOTTOTM / PowerBall Purchase R1,80 Prepaid Transaction Fee

(FNB ATM, Cellphone, Online & Telephone Banking)

R1,80 Cardless Cash Withdrawal

(Cellphone Banking) R4,00 + FNB ATM Fee

Convenience Fees Fee

Should you require further information on any FNB Credit Card products or services, please contact FNB Credit Card Customer Enquiries on 087 575 1111.

R20,00 Reversal of incorrect ‘Send money

References

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