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FNB and Promotional Campaign FAQs

Frequently Asked Questions

Credit Card Budget Plan Promotion

What is the offer?

What is the offer?FNB and have partnered up to give FNB / RMB Cardholders access to the Budget plan promotion at prime or prime + 2%. This offers Credit Cardholders the ability to move transactions made on to budget. 

What is the promotional interest rate?

The promotional interest rate is set at prime or prime + 2%. In addition to the campaign rules, should you meet the qualifying criteria as stipulated on the FNB Main Banked Rules available on the FNB website you will benefit from a promotional interest rate of prime on your qualifying purchase. 

Who qualifies for the Credit Card Budget Plan promotion?

The campaign is open to selected FNB Visa Credit Cardholders. This includes Aspire, Premier, Private Clients, Private Wealth, RMB Private Bank and Signet Credit Cardholders who reside in South Africa and are over the age of 18 years. 

Who is excluded from the Credit Card Budget Plan Promotion?

FNB / RMB Fusion Account, Cheque / Debit Cardholders and Business Credit Cardholders are excluded. 

What terms can be chosen for the purchase on the Credit Card Budget Plan Promotion?

Credit Cardholders can choose between 12 or 24 months. 

When purchasing with a credit card, is the transaction on straight or budget facility?

The transaction will be on the credit cardholder’s straight facility. 

Can I transfer funds into my Credit Card to cater for the purchase and qualify for the promotion?

Prefunded purchases (meaning the purchase was not done on credit, and more specifically, if the limit does not cover the purchase amount) will not qualify for the budget plan promotional interest rate. 

How it works

How does the transaction go onto budget?

FNB Credit Card will move the straight facility transaction onto the budget facility within 3 to 5 working days after the transaction date. 

How long is this promotion for?

The Credit Card Budget Plan Promotion is available from 21 October 2020 31st March 2023, and may be extended further

What is the minimum and maximum amount that can be purchased on the Credit Card Budget Plan Promotion?

Minimum of R5 000 and Maximum of R20 000 

Is the offer also available instore?

This offer is only available online at 

Direct Queries

If there is something wrong with my transaction, who do I escalate to?

Please call the number on the back of your FNB Credit Card. 

If there are any queries regarding the products purchased, how do you escalate these issues?

Online chat on or Email or Contact: 011 445 7912 

Payments and Interest

Can I settle my budget transaction earlier? Are there any penalty fees?

Yes, you may settle the budget transaction earlier by paying the settlement amount into your credit card account and notify FNB to settle your budget transaction. There are no penalty fees for early settlements. 

If I default on payment of my credit card account, does the promotional campaign still stand?

No, if you default on your credit card monthly payment the fixed interest rate will fall away and your personalized interest rate will apply. 


Where can a copy of the Terms and Conditions be requested?

The KOODOO Terms and Conditions can be viewed on the website ( 

Where can the Terms and Conditions for this campaign be found?

Please visit the FNB website, click “About FNB + Legal” and select “Promotions Terms and Conditions”.