Product Welcome to the world of FNB Corporate Credit Cards

Transcription

1 Welcome to the world of FNB Corporate Credit Cards FNB seeks to comply with the Code of Banking Practice and the Specific Code of Conduct for Authorised Financial Service Providers and Representatives Conducting Short -term Deposit -taking Business in terms of the Financial Advisory and Intermediary Services Act, We take pleasure in presenting you with our FNB Corporate Card range. Our innovative card management process is one of our Best of Breed partnerships that facilitate all your business financial needs. FNB Corporate Card is designed to provide: FNB Corporate Card solution Offers : A complete and comprehensive credit card management process for your business Convenience, including card acceptance Guaranteed payments Various purchasing methods Improved cash flow Sensible limit management Tailor made pricing The FNB corporate Credit cards have been designed for specific market segments to ensure that you, the customer, are not saddled with a one size fits all product that does not suite your needs. FNB s Corporate Credit cards are our first new age product. They are high performance credit cards especially engineered to support the corporate market segment. Innovate credit facilities and a total card management solution, tailored to suit each customer s needs, result in a well managed business. Worldwide acceptance, credibility, credit limit management and authorisation A complete and comprehensive credit card management process for your business Access to vital information /MIS ebucks, the FNB card rewards programme A range of credit cards, each with unique features Packaged as one complete solution, flexible and tailored to suit the needs of each individual client. Benefits to clients : Single account for the business Control account summary (including a transaction expense summary) Detailed cardholder account Payment requirements /advice statements 1

2 Product Specifications FNB Corporate Platinum Best Suited for : Value Adds : Refer to Value Added Benefits for a detailed summary of value adds listed here. Company Directors, Partners and Senior Executives (CEO, CFO, GM) By invitation only. FNB Corporate Gold Senior Executives (CEO, CFO, GM) FNB Corporate Credit Management or consultants and Company officials, etc. 2

3 FNB Buying Lodge Card Uses, Features & Benefits : Left with regularly used supplier Convenient Pays for Stationary suppliers, couriers, etc With this product, an agreement addressing liability and risk issues is provided by FNB Card to be signed by the customer and the Supplier. VISA branded Credit Card Value Adds : Refer to Value Added Benefits for a detailed summary of value adds listed here. FNB Travel Lodge Card Card remains with travel agent Convenient Pays for hotels, car hire, air travel and traveller s cheques With this products, an agreement addressing liability and risk issues is provided by FNB Card to be signed by the customer and the travel agent. FNB Office Plus Office assistant Pays for utilities Substitute to cash float VISA branded Credit Card FNB Corporate Petro Managed petrol payments AA Emergency Roadside Assistance More secure than cash Convenient and readily accepted everywhere Card Replacement Used for fuel and fuel related transactions, motor maintenance & repairs as well as toll fees. FNB Corporate Aviation Visa Branded c ard ensuring international acceptance. Used to purchase aviation fuel, oils and lubricants as well as any other goods and services related to the operation and maintenance of the aircraft. Can be issued as follows : Company s Name & Pilot Name where, provided specified pilot is the transactor, any aircraft can be used. statements Company s name & Aircraft where only transaction pertaining to the specified aircraft are accepted. Company s Name, aircraft & pilot Name where only the specified pilot can transact on purchases for the specified aircraft. 3

4 Value Added Benefits AA Emergency Roadside Assistance FNB Petro Card entitled card holder to AA Emergency Roadside Assistance in case of an emergency. The benefits, automatically available to you through our association with a trusted South African institution, the Automobile Association, include: Roadside Repair Service, which covers emergency re-fuelling up to five litres, flat battery re-starting, changing of flat tyres and key lock-out service up to R250. Tow-in Service in the event of mechanical or electrical breakdown. (up to a maximum of R500) Additional services, which mean that, if the incident occurs more than 100 kilometres from your home, you can make use of one of the following courtesy services, up to a maximum of R500: Car hire Overnight accommodation for you and four other passengers Transportation (or costs covered) for you to collect the repaired vehicle If you are involved in an accident, the AA will, at your request, arrange for your vehicle to be towed to the nearest AA approved repair centre or to a destination of your choice. You will be responsible for the costs incurred. To make use of AA Emergency Roadside Assistance* all you need is your Petro Card and simply follow these easy steps: Call and provide the operator with your Petro Card number (16 digit number printed on the card). An AA appointed contractor will be dispatched to provide you with the required assistance. On arrival the AA appointed contractor will request you to produce your Petro Card and proof of identity in order to carry out the emergency service. *AA Emergency Roadside Assistance is subject to terms & conditions. Please visit our website or contact FNB Corporate Call Centre on for a copy of these terms & conditio ns. This is an innovative service that gives ticket holders comprehensive travel insurance, both locally and internationally, allowing the ticket-holder to travel safely in the knowledge that he/she has the insurance needed. With the ticket-holder no longer needs to worry about the inconvenience of purchasing additional top-up insurance or emergency medical cover. By purchasing the travel tickets in South Africa at full fare on the FNB Credit card, prior to your departure, he/she is automatically covered for the first 90 days of their journey. Through this cover you get: (see attached table of Benefits) Up to R10 million for medical expenses Personal liability cover up to R 2.5 million Personal accident cover of up to R1 million The table of benefits, shown here, is a summary of the main features of the Travel Policy. These emergency services are brought to you through International SOS, which specialises in emergency medical, travel and assistance services. Should you need any assistance whilst travelling overseas, contact International SOS by calling collect (reverse charges) from any destination anywhere in the world, 24 hours a day, 365 days a year on

5 is only available to persons under the age of 75. However, special insurance can be arranged for our credit card holders between the ages of 75 and 84 years by phoning the Global Travel Insurance Help Desk on telephone number The Travel Policy is available at or you may contact the Global Travel Insurance Help Desk on telephone number and they will arrange for the policy to be sent to you. is subject to certain exclusions, as mentioned in the Travel Policy. Please obtain a copy of the travel policy prior to travelling. SCHEDULE OF BENEFITS (Persons up to the age of 75 (not yet 76) Limit per travel ticket purchased Section 1 Local International Emergency Medical and Related Expenses R R Excess R R War or Terrorism R R Excess R R Related Expenses Medical Transportation and Repatriation Included in Emergency Medical Expenses Visit by a family member Included in Emergency Medical Expenses Return of Children Included in Emergency Medical Expenses Return of Travel Companion Included in Emergency Medical Expenses Burial, Cremation and Return of Mortal remains Included in Emergency Medical Expenses Hospital Inconvenience R 200 / day Total of R Section 2 Local International Pre-Existing Medical Cover R R Minimum Delay Period 48 hours 48 hours Transportation and Repatriation Included in Pre-Existing Medical Cover Section Medical Referral Service Only 3.2 Medical Monitoring Service Only 3.3 Emergency Medicine Service Only 3.4 Evacuation Refer to Section Repatriation Refer to Section Return of Mortal Remains Refer to Section Transmission of Urgent Messages Service Only 3.8 Embassy Referral Service Only 3.9 Emergency Travel and Accommodation Arrangements Service Only 3.10 Legal Assistance Refer to Section Bail Service Only 3.12 Return in case of death or imminent death of a close Relative Service Only 3.13 Loss of Travel Documents Refer to Section Cash advances Service Only Section 4 Local International Personal Accident whilst on a Public Conveyance R R Personal Accident whilst not on a Public Conveyance R R Personal Accident as a result of acts of War or Terrorism R R Section Cancellation R R Excess R 500 R Curtailment R R Excess R 500 R 500 Section 6 Travel Delay R R Minimum Delay Period 12 hours 12 hours 5

6 Section 7 Personal Liability R R Section 8 Hijack, Hostage or Wrongful Detention Inconvenience R R Benefit per day R 750 R 750 Section 9 Legal Expenses R R Section 10 Replacement Personnel R R Section 11 Luggage R R Excess R 500 R 500 Maximum Insured Value Per Item R 1000 R 1000 Section 12 Luggage Delay R R Minimum Delay Period 12 hours 12 hours Section 13 Loss of Cash and / or Travel Documents R R Excess R 500 R 500 Protects the card holder and the business in the event of non-pin related fraud on your account if your credit card is lost or stolen and you report the loss or theft immediately. Therefore, it is crucial that you do not delay in reporting the loss or theft of your credit card to the 24-hour toll-free Lost Card Hotline on telephone number Remember to always get a reference number when reporting your card lost or stolen. We protect you by making sure that you are not liable for fraudulent transactions that occur on your credit card from FNB as a result of the loss or theft. We can only protect you if your PIN number was not used in these transactions and you were not negligent in safeguarding your credit card or reporting it lost or stolen. Card Replacement We also assist you by providing a Card Replacement service at no additional charge if your card is lost, damaged or stolen. PIN Replacement We will provide a replacement PIN number at no additional charge should you misplace or forget your existing PIN number. Through the Visa GCAS programme, Visa provides high quality assistance to Visa cardholders when travelling overseas. This multi-lingual service is available globally, 24 hours a day, 365 days a year. The services include lost and stolen card reporting, emergency card replacement and emergency cash payout of up to US$ 5,000, and an enquiry service for non-emergency enquiries, for example, account queries. For more information about Visa GCAS and the benefits that apply to your credit card please contact FNB Corporate Call Centre on telephone number

7 incontact-pro incontact, FNB s innovative messaging service, allows you to stay in touch with your financial transactions as they occur, at no extra charge. You will receive real-time confirmation of deposits, transfers, withdrawals and purchases on all your FNB accounts via cell-phone or , protecting you from unexpected surprises. Please bear in mind that we are dependant on external providers to deliver the information, which may sometimes cause a delay. incontact will also enable you to receive Weekly or bi-monthly updates on outstanding balances and available credit Card expiry notifications Confirmation that we have stopped your lost or stolen credit card once you have reported it Payment reminder messages Over limit and overdue payment alerts Notification of logging-in to FNB Internet Banking To register for incontact, simply contact FNB Corporate Call Centre on telephone number statements You can elect to have your statement ed to you to avoid postal delays and for easy reference of account details. This reliable mailing option will enable you to make timeous payments and avoid unnecessary fees and charges. Please remember to retain your statement for future reference. To activate this service, please contact FNB Corporate Call Centre on telephone number ebucks (ebucks 4 Business) ebucks 4 Business, our exciting rewards programme, allows you to earn lots of ebucks by making qualifying transactions using your FNB credit cards. All that is required to join the FNB Rewards Programme is, to link your control account to earn ebucks at a nominal annual rewards fee of R1, per annum. Once your control account is linked to ebucks, all qualifying credit cards (excl. Petro, Petro Plus) linked to that control account will automatically earn ebucks. Our ebucks rewards programme also includes the new British Airways Miles Swap feature, making ebucks the most valuable rewards programme for credit cards in South Africa. Remember that ebucks do not expire and we offer you the highest reward rate of eb8 earned for every R100 spent on qualifying purchases *. Rewards earned on ebucks are related to the total monthly value of your company s credit cards purchases consolidated and reflected on your control account. This means, the more you or nominated cardholders spend on your credit cards; the more your business is rewarded. Your ebucks are accumulated in a separate account, to be spend online from any of our ebucks partners, the ebucks shop or using your ebucks Card at any of our ebucks retail partners. Take a look at the day to day offers and specials offered to Corporate / Businesses in the ebucks for Business website ( ). ebucks offers more than just a rewards programme. To join ebucks, simply log on to and follow the prompts or call the ebucks Hotline on telephone number * Excludes account payments, fuel and cash withdrawals 7

8 Safety Tips Once a card is issued to the cardholder, the cardholder must ensure that the back of the card is signed immediately. Only the cardholder is allowed to use the credit card. No other person, other than the cardholder, is allowed to use the card or PIN. Once a Corporate card has been issued, a PIN will be given to the cardholder. This PIN may be changed, at the cardholder s discretion, at any FNB ATM or FNB Outlet. When a credit card has been reissued, the PIN used for the previous credit card will still be valid. You may change this PIN at any FNB ATM or FNB Outlet. Memorise this PIN and keep it in a safe place, separate from the credit card. Always keep the credit card and PIN separate from each other. Should the Corporate s physical address change, please inform us in writing of such change and supply us with proof of the new physical address (supply any document, not older than 3 months, that clearly states the organisation s name, and residential address). Should the cardholder s residential address change, please inform us in writing of such change and supply us with proof of new residential address (supply any document, not older than 3 months, that clearly states the cardholder s name, and residential address e.g. Bank statement, payslip, salary advice, municipal rates and taxes account, mortgage statement, Telkom account, utility bill, recent SARS return, Valid TV Licence). Internet Banking Safety Tips Ensure that the site is secure; Ensure that the site is legitimate; Safeguard your bank cards and PINs; Keep your ebucks access details secret; Change your PINs and passwords regularly; Don t allow your browser software to save your password; Install and maintain anti-virus software; Shop securely online. For more safety tips in respect of telephonic and electronic banking, please refer to the Code of Banking Practice on our website Payment Methods Direct debit orders for automatic monthly deductions from your FNB cheque account; Internet Telephone banking (including a unique Smart Transfer facility) Branch Deposits 8

9 Fees & Charges FNB will charge you and debit your account with finance charges, account service fees and card ledger fees. The finance charges, account service fees and card ledger fees are not negotiable. Finance charges may include interest, additional finance charges, fees incurred from a money-lending transaction and fees for the recovery of the debt if you default. You must let us know in writing within thirty (30) days of the statement date if there is an error on the monthly statement, otherwise we will assume the statement sent to you is correct. Ledger fees are fees associated with the issue and use of the card and may include: An annual card fee, which we will charge for each year or part of a year, whether or not you use the card; An over limit fee which we will charge whenever you exceed the credit limit on your account; A late payment fee, which we will charge if you pay your account after the due date for payment shown on your monthly statement and Other fees associated with the issue and use of the card. Account service fees may include: A cash deposit fee, which will be charged when you deposit cash into your account or pay your account in cash; ATM related fees; Electronic banking fees; A currency conversion fee for transactions, which take place outside the Common Monetary Area. Please note the list of the specific fees mentioned is not exhaustive. You may get a copy of our full current pricing by visiting our web site, or contacting the FNB Corporate Call Centre on (011) Fees and charges are reviewed annually. We will send our full pricing list to you in our annual pricing notice. Contact us Postal Address P O Box 1420, Johannesburg, 2000 Physical Address 3 First Place, BankCity Cnr Pritchard & Jeppe Street Johannesburg Website : FNB Corporate Call Centre Control Accounts : Cardholders : AA Emergency Roadside Assistance Global Travel Insurance Help Desk International SOS ebucks Hotline website : Complaints Fax No Lost Card