FNB Aspire Credit Card: eBucks Rewards, Benefits, Fees and Eligibility in South Africa

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The FNB Aspire Credit Card is one of South Africa’s most popular options, combining affordable fees, comprehensive eBucks Rewards, and strong digital banking tools.

It’s ideal for professionals and households who want to maximise cashback on groceries, fuel, and everyday spending, while enjoying premium features like travel insurance and app-based control.

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Key features of the FNB Aspire Credit Card

Here’s what sets the FNB Aspire Credit Card apart:

• eBucks Rewards programme with up to 15% cashback on daily purchases.
• 55 days of interest-free purchases if paid in full.
• Engen fuel rewards for commuters.
• Global acceptance with Visa.
• Integrated with the FNB app, offering full control and budgeting tools.

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eBucks Rewards explained

eBucks Rewards is one of South Africa’s most valuable loyalty programmes, directly linked to the FNB Aspire Credit Card.

• Earn up to 15% back on groceries at Checkers, Shoprite, and Clicks.
• Save on fuel at Engen stations across the country.
• Use eBucks for airtime, travel bookings, shopping vouchers, or even cash-back deposits.
• Boost rewards by banking smartly with FNB’s ecosystem.

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FNB Aspire Credit Card fees (2025)

Fee Type	Cost
Monthly service fee	R45
Initiation fee	R175 (once-off)
Supplementary card fee	R29/month
Cash withdrawal fee	R2.20 per R100
International transaction fee	2.75% of spend

This makes it affordable while offering high value through rewards.

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Eligibility requirements

To qualify for the FNB Aspire Credit Card, you need:

• Annual income of R84,000 to R449,999 (or R7,000/month).
• A credit score above 650 for approval.
• Valid South African ID/passport and proof of residence.
• Payslips or bank statements (3 months).

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Travel and lifestyle benefits

The FNB Aspire Credit Card also includes perks beyond rewards:

• Free global travel insurance when booking flights on the card.
• Discounted domestic flights through the FNB travel portal.
• Entertainment and shopping discounts at selected partners.

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Security features

• In-app virtual card for safe online shopping.
• Real-time notifications for every transaction.
• Card freezing/unfreezing directly in the FNB app.
• Strong fraud detection and chargeback protection.

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Comparison: FNB Aspire vs similar cards

Card	Monthly Fee	Rewards	Interest-Free Days
FNB Aspire	R45	eBucks (15%)	55 days
Capitec Global One	R40	1.5% cashback	55 days
Standard Bank Gold	R55	UCount (20%)	55 days
Nedbank Gold (Greenbacks)	R50	Greenbacks Points	55 days

FNB Aspire stands out for fuel and grocery-specific cashback through eBucks.

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How to maximise eBucks rewards

1. Refuel exclusively at Engen stations.
2. Do your groceries at Checkers and Shoprite to get the highest cashback.
3. Pay your balance in full each month to benefit from the 55-day interest-free period.
4. Link eBucks to your FNB Connect account for added bonuses.

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Why FNB Aspire is ideal for commuters and families

With fuel rewards, grocery cashback, and affordable fees, the Aspire card is perfect for:

• Families managing supermarket spending.
• Commuters needing petrol cashback.
• Young professionals wanting a reward-driven but low-cost card.

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Official resources:

• Apply for the FNB Aspire Credit Card
• Learn about eBucks Rewards

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Conclusion

The FNB Aspire Credit Card is a strong all-rounder, offering generous fuel and grocery rewards, affordable fees, and smart app-based control. For everyday users looking for real cashback value, it’s one of South Africa’s top-performing cards.

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FAQs

1. What is the income requirement for FNB Aspire?
Between R84,000 and R449,999 annually.

2. How much cashback can I earn?
Up to 15% in eBucks on groceries and fuel purchases.

3. Does the card include travel insurance?
Yes, free travel cover is included when flights are booked using the card.

4. Is it good for online shopping?
Yes, with virtual card support and 3D Secure protection.

5. How do I redeem eBucks?
Redeem via the eBucks store, partner retailers, or cash deposits in your FNB account.