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FNB Aspire credit card review: Earn cashback in eBucks rewards!
Read this FNB Aspire credit card review and discover this card's excellent rewards on spending.
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FNB Aspire credit card: Cash Back Rewards, Unlimited Airport Lounge Access, and much more
Looking for a credit card that offers unbeatable cashback rewards and exclusive lifestyle benefits? Look no further than our FNB Aspire credit card review.
How to get your FNB Aspire credit card
Earn high rewards on spending with this credit card. Follow our FNB Aspire credit card application guide and get yours today!
- Requirements: Earn an annual income of R84,000.00 to R449,999.00, be over the age of 18, have a valid South African ID book or Smart card, have proof of residence not older than 3 months, 3 months’ bank statements that show salary deposits, a copy of your recent payslip.
- Initiation Fee: Up to R175.00.
- Monthly Fee: R25.00.
- Rates: 29.99% or 36%, depending on creditworthiness
- Rewards: Up to R150.00 in eBucks rewards when they use their credit card at any Checkers, Shoprite, or USave store, up to R150.00 cash back in eBucks rewards every month.
With features such as unlimited cashback on all purchases, free access to airport lounges, and more, this card is a must-have.
Read on to discover more about what makes the FNB Aspire credit card stand out from the competition.
FNB Aspire credit card: how does it work?
The FNB Aspire Credit Card is a low-cost credit card with a monthly fee of R42.00. To apply for this card, you must have a minimum income of R84,000.00 and a maximum income threshold of R449,999.00.
Further, when you open the card, you automatically receive debt protection with a maximum limit of R5,000.00.
Additionally, when you purchase return tickets with the card, you receive R5 million in global travel insurance. That is valid for the first 90 days of your trip, covering up to eight credit card-purchased tickets.
Aspire cardholders also receive two complimentary SLOW lounge visits per year at four airports in South Africa.
Also, the FNB Aspire Credit Card is linked to eBucks rewards. Therefore, cardholders can earn up to R150.00 in eBucks rewards when shopping at Checkers, Shoprite, USave, and Clicks stores.
Furthermore, intercape purchases are eligible for up to R150.00 in eBucks rewards per month.
However, to earn eBucks, account holders must make at least one payment, transfer, and/or purchase, except for those over 60.
The FNB Aspire Credit Card offers both free and billed transactions, with branch transactions being the most expensive.
Also, the card encourages users to transact through free digital platforms, such as the FNB app or internet banking.
While the credit card has an unlimited number of swipes, it has a few disadvantages. To qualify for the credit card, applicants must have a monthly gross salary of at least R7,000.00.
That is a substantial amount. Additionally, some transactions are costly, such as FNB branch cash withdrawals or withdrawals from international ATMs and branches.
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Significant benefits and disadvantages you may find
Now that you’re familiar with this card’s details, it’s time to compare its pros and cons. After all, our FNB Aspire credit card review would be incomplete without it.
Check out the list of benefits and disadvantages below.
Benefits
- High cashback on groceries.
- Low monthly service fees.
- Complimentary lounge access.
- Free travel insurance.
Disadvantages
- Limited cashback categories.
- No interest on positive balances.
- Limited acceptance outside South Africa.
- High ATM withdrawal fees.
Is a good credit score required for applicants?
The issuer does not specify whether it requires a good credit score. Still, we recommend you make sure you have a good credit before applying. This will increase your chances of approval.
Learn how to apply and get a FNB Aspire credit card
Like what you’ve seen in this FNB Aspire credit card review? Our application guide makes it easy to apply. Just click the link below and follow our simple steps.
How to get your FNB Aspire credit card
Earn high rewards on spending with this credit card. Follow our FNB Aspire credit card application guide and get yours today!
About the author / Danilo Pereira
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