Introduction How eBucks works Qualify for eBucks How to move up a Reward Level Earn eBucks eBucks Reward Level and Rates SLOW Lounge Additional Benefits Spend your eBucks eBucks Discounts
Maximise your rewards. Earn up to 4% back in eBucks on your online shopping with your FNB Premier Card.
Your Premier Cheque Account and Credit Card offers you exclusive value, eBucks Rewards and dedicated service through Premier Banking plus so much more...
Introduction
How eBucks works
How eBucks works Qualify for eBucks
Higher reward level
More reward points
Bank better
How to move up a Reward Level
More rewards
Earn eBucks
1.
2.
3.
4.
eBucks Reward Level and Rates
Qualify
Collect
Earn
Spend
SLOW Lounge
Meet simple qualifying criteria to earn eBucks.
reward level points based on how you bank.
eBucks according to your reward level.
eBucks and get discounts according to your reward level.
Additional Benefits Spend your eBucks eBucks Discounts
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Reward Levels + Points collected for the month
Remember
18 999 pts
9 000 11 999 pts
12 000 15 999 pts
16 000 17 999 pts
18 000 + pts
1
2
3
4
5
In order to maximise your eBucks earn, you need to have both a Premier Cheque and a Premier Credit Card
Introduction
Qualify for eBucks
How eBucks works
You must meet the requirements below to start earning eBucks:
Qualify for eBucks
1.
How to move up a Reward Level Earn eBucks eBucks Reward Level and Rates SLOW Lounge
2.
3.
Have one of the following active FNB Cheque Accounts in good standing*
Monthly minimum deposit
Minimum Balance
Premier
R16 500
R 50 000
Islamic
R16 500
R 50 000
One Account
R16 500
n/a
Premier Select
R16 500
R 20 000
Young Professionals
R 5 500
n/a
Maintain either a minimum deposit or minimum Transact once balance of the following a month via your profile using:
• FNB Banking App • Online Banking • Cellphone Banking • Telephone Banking
Additional Benefits Spend your eBucks eBucks Discounts
Things to remember: •
These requirements may change from time to time. We’ll let you know when they do.
•
If you stop meeting any one of these requirements at any time, you won’t be able to earn eBucks with your Premier Account(s). As soon as you fulfill the relevant requirement again, you will earn eBucks when you use your account(s) again.
•
If you hold a Premier Cheque Card and Premier Credit Card on the bundled pricing option, you will no longer have to pay the Monthly Credit Card Rewards Fee on your Premier Credit Card to earn eBucks.
•
If you only have a Premier Credit Card, i.e. no Premier Cheque Account, you can link your Premier Credit Card to your eBucks account by calling us on 087 320 3200 or visiting . A Monthly Credit Card Rewards Fee of R16.50 per month is charged to link your Premier Credit Card to earn eBucks. The R16.50 Monthly Credit Card Rewards Fee is billed monthly to your Premier Credit Card.
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* Good standing means that none of your FNB and FirstRand Bank accounts and credit agreement should be overdrawn, in arrears or in default, and you are not undergoing sequestration or any legal process.
Introduction How eBucks works Qualify for eBucks How to move up a Reward Level Earn eBucks eBucks Reward Level and Rates SLOW Lounge
How to move up a Reward Level Reward Levels + Points collected for the month
18 999 pts
9 000 11 999 pts
12 000 15 999 pts
16 000 17 999 pts
18 000 + pts
1
2
3
4
5
There are so many ways in which you can collect points to move up a reward level. The more you do, the more points you collect, and the more eBucks you earn. You collect points based on how you use your bank account monthly.
What to do to collect points Use FNB’s value-added services and how you bank in general Be registered for inContact, update your contact details at least once in a 12-month period via Online Banking, allow FNB to communicate with you by giving them consent to market to you and choose to receive all your statements via email only
Spend your eBucks eBucks Discounts
Points per month
Your Premier Cheque or Credit Card Account has been open and active* for three years or more
1000 500
Do all your payments and transfers (excluding swipes, prepaid purchases and lotto purchases) via FNB’s electronic banking channels and don’t do any transactions at an FNB branch or the FNB Premier suite (including statement transactions)
1000
Do at least one financial transaction a month using the FNB Banking App
1000
Be on the Premier bundled pricing option
1000
Use your FNB Cheque Account Maintain a minimum monthly balance in your Premier Cheque Account of:
Back
• Between R10 000 and R14 999
500
• Between R15 000 and R49 999
1000
• R50 000 or more
2000
Have at least three monthly debit orders on your Premier Cheque Account
Next
500
Introduction How eBucks works Qualify for eBucks
How to move up a Reward Level What to do to collect points
Points per month
Use your FNB Credit Card Set up an Auto Payment on your Premier Credit Card
1000
How to move up a Reward Level
Spend* on your Premier Credit Card in a calendar month for: • Between R3 000 and R9 999
1000
Earn eBucks
• Between R10 000 and R24 999
1500
• Between R25 000 and R49 999
2000
• R50 000 or more *Spend excludes EFTs and transfers.
3000
eBucks Reward Level and Rates
Do not exceed your limit or go into arrears on your Premier Credit Card for:
SLOW Lounge Spend your eBucks
• Between 6 and 18 months
500
• Between 18 and 36 months
1000
• 36 months or more
1500
Total monthly spend* on your Premier Credit Card:
eBucks Discounts
• Between 25% and 49.9% of your total monthly spend is on your Premier Credit Card
500
• Between 50% and 74.9% of your total monthly spend is on your Premier Credit Card
1000
• Between 75% and 99.9% of your total monthly spend is on your Premier Credit Card
2000
• 100% of your total monthly spend is on your Premier Credit Card * Total monthly spend = FNB Premier Credit Card spend + FNB Premier Cheque Card spend; excludes EFTs, Cash@Till™ and transfers.
4000
Use your FNB Cheque or Credit Card
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Use your Premier Cheque or Credit Card to shop online or swipe internationally Minimum spend is R1 000.
2000
Your card swipes and/or Cash@Till™ withdrawals exceed your ATM and FNB branch withdrawals OR
1000
You only swipe your card and/or use Cash@Till™ (no ATM or FNB branch withdrawals)
1500
Introduction How eBucks works Qualify for eBucks
How to move up a Reward Level What to do to collect points
Points per month
Use FNB’s value-added services and products Have an FNB Investment Account (excluding an Equity Trading Account) and maintain a minimum monthly balance of:
How to move up a Reward Level
• Between R10 000 and R49 999
1500
• R50 000 or more
2000
Earn eBucks
Have a scheduled transfer/payment of at least R500 into an FNB Investment Account (excluding an Equity Trading Account) and maintain a minimum monthly balance of R5 000 in the same account
1000
eBucks Reward Level and Rates SLOW Lounge Spend your eBucks
Have one of the following Global Accounts and maintain a minimum monthly balance of: • 1 500 Australian dollars, euros, Great British pounds or US dollars • 9 000 Chinese renminbi • 90 000 Indian rupees
2000
Have an FNB Channel Islands Current Account and maintain a minimum monthly balance of £5 000
4000
Have a non-discretionary (non-advisory) mandate with FNB Securities or FNB Share Investor with trades of R10 000 in a JSE-listed equity in the previous month or R60 000 over the last six months
1000
Have an investment of at least R1 million in one of the Ashburton Single Manager products with an FNB Advisor on the Ashburton platform
2000
Your FNB Home Loan
eBucks Discounts
(1) Have an active* FNB Home Loan, One Account or Single Facility with a minimum outstanding balance of R100 000, an FNB debit order or salary stop order set up on the account and no manual prepaid withdrawals in the last month Your FNB Home Loan, One Account or Single Facility meets requirement (1) above and you have up-to-date Home Owners Comprehensive Insurance Cover on your active* FNB Home Loan (vacant land excluded)
500
Your FNB Home Loan, One Account or Single Facility meets requirement (1) above and has been in good standing** for at least 12 months
500
Draft a will in which FNB is the executor and keep your signed will in FNB’s custody
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1000
1000
Introduction
How to move up a Reward Level
How eBucks works
What to do to collect points
Points per month
Make use of the following FNB credit products*** which must be in good standing**
Qualify for eBucks
Have a Personal Loan of R5 000 or more
2000
How to move up a Reward Level
Have an Overdraft facility of at least R10 000 of which you have used between 10% and 100%
2000
Have a Temporary Loan, which you have settled in the month (within the specified period)
2000
Earn eBucks
Have a Revolving Loan of at least R10 000 of which you have used between 10% and 100%
2000
Use FNB’s Vehicle Finance or WesBank Products****
eBucks Reward Level and Rates SLOW Lounge
Have an active* FNB Vehicle Finance or WesBank Account which you have paid on time over the last 12 months from an FNB account, update your contact details at least once in a 12-month period via WesBank Online and allow WesBank to communicate with you by giving them consent to market to you
1000
Log in to WesBank Online at least once a month
1000
Spend your eBucks eBucks Discounts
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*
Active means you transact on the account.
**
Good standing means it’s not overdrawn, in arrears or in default, and you are not undergoing sequestration or any legal process.
***
Qualifying FNB Islamic Banking customers will receive 2 000 points every month as these accounts are not eligible for the following FNB Credit products: Overdraft, Temporary Loan, Revolving Loan or Personal Loan.
**** A WesBank Vehicle Finance agreement means your finance is through WesBank and not a Division of WesBank
FNB Islamic Banking customers who have a debit order from their Islamic Cheque Account for Islamic Vehicle Finance will qualify for 2 000 points on a monthly basis.
Introduction How eBucks works
Earn eBucks Depending on your reward level, you’ll earn eBucks on your Premier Accounts, effective 1 July 2015, as follows:
Qualify for eBucks How to move up a Reward Level Earn up to
Earn eBucks eBucks Reward Level and Rates SLOW Lounge
40%
Earn up to
15%
Earn up to
2%
Earn up to
Earn up to
back in eBucks when you fill up with fuel at any fuel station.
4%
back in eBucks on your qualifying FNB Connect contract or when loading FNB Connect prepaid airtime.
back in eBucks on your Uber rides.
back in eBucks on your Premier Credit Card and up to 1% back on your Premier Cheque Card whenever you swipe.
back in eBucks on your Premier Credit Card and up to 2% back on your Premier Cheque Card whenever you shop online or purchase internationally.
Earn up to
Earn up to
Earn up to
Earn up to
15%
Additional Benefits Spend your eBucks eBucks Discounts
15%
back in eBucks when you shop at Checkers & Shoprite.
15%
back in eBucks when you buy prepaid electricity electronically through FNB.
Back Next * ‘All networks’ refers to all cellular networks other than FNB Connect.
15%
back in eBucks when you load all networks* prepaid airtime electronically through FNB.
50%
back in eBucks on your transaction charges when you send or receive foreign currency online with FNB Forex.
Earn up to
100%
back in eBucks on your transaction charges when receiving foreign currency regularly by authorising FNB Forex to convert these funds on your behalf with a standing instruction.
Introduction How eBucks works Qualify for eBucks How to move up a Reward Level
eBucks Reward Level and Rates Reward Levels + Points collected for the month
18 999 pts
9 000 11 999 pts
12 000 15 999 pts
16 000 17 999 pts
18 000 + pts
1
2
3
4
5
Credit card
0.6%
0.7%
1%
1.2%
2%
Cheque
0.3%
0.35%
0.5%
0.6%
1%
Reward Rates
Earn eBucks
Shopping Swipes
eBucks Reward Level and Rates
Online Shopping
Credit card
1.2%
1.4%
2%
2.4%
4%
Cheque
0.6%
0.7%
1%
1.2%
2%
International Shopping
Credit card
1.2%
1.4%
2%
2.4%
4%
Cheque
0.6%
0.7%
1%
1.2%
2%
0.6%
2.5%
5%
7.5%
15%
1%
2.5%
5%
7.5%
15%
Prepaid Electricity
0.6%
2.5%
5%
7.5%
15%
All networks* Prepaid airtime
0.6%
2.5%
5%
7.5%
15%
FNB Connect contract & Prepaid Airtime
15%
20%
25%
30%
40%
SLOW Lounge Additional Benefits Spend your eBucks
Transport (Fuel + Uber) Checkers & Shoprite
Sending or Receiving foreign currency through FNB Forex eBucks Discounts
Online payment fees
10%
15%
20%
30%
50%
Standing instruction fees
15%
20%
30%
50%
100%
Please note: certain limits and rules apply to these rates. * ‘All networks’ refers to all cellular networks other than FNB Connect. If you have not yet qualified to start earning eBucks, you will earn 0.5% back in eBucks on purchases made at Checkers & Shoprite with your Premier Cheque Card or unlinked Premier Credit Card. When using your Linked Premier Credit Card you will earn 0.6% back in eBucks when you swipe your card or make purchases at Checkers & Shoprite and 1.2% back in eBucks when you make online purchases.
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If you only have a Premier Credit Card, i.e. no Premier Cheque Account, you can link your Premier Credit Card to your eBucks account by calling us on 087 320 3200 or visiting . A Monthly Credit Card Rewards Fee of R16.50 per month is charged to link your Premier Credit Card to earn eBucks. The R16.50 Monthly Credit Card Rewards Fee is billed monthly to your Premier Credit Card.
Introduction How eBucks works
SLOW Lounge As a Premier card holder you can experience a place where the chaos of the airport and stress of traveling are momentarily forgotten. Access to the SLOW Lounge will now be based on the same qualifying criteria as eBucks Rewards.
Qualify for eBucks How to move up a Reward Level Earn eBucks eBucks Reward Level and Rates SLOW Lounge
You need both cards to gain FREE entry to the SLOW Lounge. This gives you access to 2 FREE visits per month from Reward level 1 and above.
SLOW Domestic Premier Qualifying Cards
Qualifying Criteria
Qualifying Fee per visit Cardholders visits qualifying criteria per calendar month met
Fee per additional visit - qualifying criteria met
Fee per visit qualifying criteria not met
Cheque and Credit Card
Reward Level 1 or above
Including 2 guests (No guests during peak times)
R250 per person
R250 per person
Credit Card only OR Cheque Card only
Active account in good standing
No FREE visits
n/a
R250 per person
FREE
R250 per person
Additional Benefits
90
Spend your eBucks eBucks Discounts
Rules
Peak times include
•
Monday to Friday: 04h45-07h00 and again between 13h00-17h30
• • • •
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The SLOW lounges have turned out to be immensely popular, we have had to introduce a capacity management system to ensure that lounge volumes are not in excess of occupancy. From 1 July 2015 access to all Domestic SLOW Lounges will now be limited to 90 minutes before boarding time.
•
All free entries will be allocated at main customer level and can be used/accessed by any card (cheque, credit or additional credit) Children younger than 2 years enter for free Unused free visits do not roll over to the next month Should the lounge capacity be reached, FNB Private Wealth and RMB Private Bank customers will be granted preferential access As a Premier cardholder you also have access to SLOW International for a fee of R250 per cardholder and R50 per child (between the ages of 2 and 18 years) if you meet the qualifying criteria If you do not meet the qualifying criteria the fee per person per entry is R500 for SLOW International
Sunday: 13h00-17h30 All other times not specified above are deemed off peak times.
Introduction How eBucks works Qualify for eBucks How to move up a Reward Level Earn eBucks eBucks Reward Level and Rates SLOW Lounge Additional Benefits Spend your eBucks eBucks Discounts
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Additional Benefits Comprehensive Global Travel Insurance
FREE for tickets purchased on a FNB Premier Credit or Cheque Card
AA Emergency Roadside Assistance
FREE on a linked FNB Premier Petro Card
Take Me Home designated driver service
6 trips per annum - FREE on a linked FNB Premier Petro Card
Reward Levels For more information visit
1
2
3
4
5
Introduction
Spend your eBucks
How eBucks works
eBucks Travel Qualify for eBucks How to move up a Reward Level
Book flights, accommodation and car rental for both local and international trips.
eBucks Shop
Earn eBucks
Our convenient online shop with everything from electronics, gadgets, home appliances, kids’ stuff, gifts, and much more.
eBucks Reward Level and Rates
eBucks Partners
SLOW Lounge Additional Benefits
Choose from a wide variety of shops, online shopping sites, as well as services and subscriptions. You can also use your eBucks to fill up with fuel at Engen.
eBucks Invest Invest your eBucks in an FNB 12-month Flexi Fixed Deposit account.
Spend your eBucks
eBucks Electronic Channels eBucks Discounts
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Use your Smart Device or go online to do your banking and buying things like prepaid airtime, prepaid electricity and data.
Introduction How eBucks works
eBucks Discounts Your reward level also determines the size of the discount you qualify for when you buy selected products that are on discount from the eBucks Shop, book domestic Avis car rental or book selected flights online through eBucks Travel.
Qualify for eBucks How to move up a Reward Level Earn eBucks
Reward Levels + Points collected for the month
18 999 pts
9 000 11 999 pts
12 000 15 999 pts
16 000 17 999 pts
18 000 + pts
1
2
3
4
5
5%
10%
20%
30%
40%
10%
20%
40%
80%
100%
eBucks Reward Level and Rates SLOW Lounge
eBucks Discounts including Emirates and kulula.com
Additional Benefits
Discount on your monthly Uncapped ADSL subscription (maximum discount per month R399)
Spend your eBucks
ADSL Data
Depending on your reward level, you can get up to 100% off your monthly Uncapped ADSL Data subscription through FNB Connect.
eBucks Discounts
Sign up for Uncapped ADSL Data through FNB Connect • Log onto Online Banking. • Click on the ‘My Bank Accounts’ tab. • Expand the menu and click on the FNB Connect link. • Terms and conditions apply – see
for more information.
Want to know more about Uncapped ADSL Data? Email
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If you have recently upgraded your account, you will not get immediate access to your new complimentary benefits. New rewards will only be available once your upgraded account has been active and in good standing for at least 30 days.
Next
Terms, conditions and rules apply. Discounts on flights exclude all taxes. E & OE. Effective 1 July 2015. Rewards are allocated around the 8th of each month based on your banking behaviour in the previous calendar month. First National Bank - a division of First Rand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20)