Earn up to 15% back in eBucks on your FNB Premier Account(s)


Quick overview

You'll need to follow three easy steps to earn eBucks:

  1. Qualify

    Meet the qualifying requirements that are specific to your FNB Premier Account(s).

  2. Move up a reward level

    Once you've qualified, it's time to start collecting points. Points are allocated based on how you bank with FNB. The more points you collect, the higher your reward level. Your reward level is reviewed every month.

  3. Earn

    When you've qualified and your reward level has been determined, you're ready to earn eBucks. The higher your reward level, the more eBucks you'll earn.

Remember: R1 = eB10.

Qualifying requirements

Before you can start earning eBucks, you must first meet the qualifying requirements.

To get going, you must:
    1. Have a monthly deposit* of at least R16 500 into an FNB Fusion Premier Account, FNB Premier Cheque Account, FNB Islamic Premier Cheque Account, FNB One Account or FNB Premier Select Cheque Account or R5 500 into an FNB Premier Young Professionals Account or R5 500 into an FNB Premier Cheque account for Spouses.
    2. OR

    3. Have average deposits* over six months of at least R16 500 into an FNB Fusion Premier Account, FNB Premier Cheque Account, FNB Islamic Premier Cheque Account or FNB Premier Select Cheque Account or R5 500 into an FNB Premier Cheque account for Spouses.
    4. OR

    5. Maintain a monthly balance of at least R50 000 in an FNB Fusion Premier Account, FNB Premier Cheque Account, FNB Islamic Premier Cheque Account, FNB Premier Cheque account for Spouses or FNB Young Professionals Account or R10 000 in an FNB Premier Select Cheque Account.
    6. OR

    7. Maintain a monthly balance of at least R50 000 in your FNB Savings and Investment Account if you're an FNB Premier Select customer.

    *For the purposes of meeting the minimum deposit qualification criteria, "deposit" means the payment of your salary, income or drawings (where you are self-employed) into your qualifying FNB/RMB Private Bank Account and specifically excludes any payments or transfers from a credit product.

  1. Ensure that ALL of your FirstRand Bank accounts are in good standing.
  2. Use the electronic banking channel(s) specific to your age group:
    Under 60 years Over 60 years

    Log in to the FNB Banking App at least once a month using your own banking profile [download the FNB Banking App here].

    You now qualify to earn eBucks, up to reward level 2, even if you're under 60 and don't transact on the FNB App. Simply meet the following requirements:

    • The deposit/balance rule
    • The good standing rule
    • You transact via Online Banking (instead of logging on to the App)

    Transact at least once a month on any of FNB's electronic banking channels:

    • FNB Banking App
    • Online Banking
    • Cellphone Banking
    • Telephone Banking (Interactive Voice Response only)

Move up a reward level

After you've qualified, the second step is to move up a reward level. Your reward level is determined by how many points you've collected in a calendar month.

You collect points based on how you bank. The more points you collect, the higher your reward level.

Your reward level is reviewed around the 8th of each month, which means that you may be on a different reward level every month.

Log in to eBucks.com for tips on how to move up a reward level or try our handy eBucks Rewards Calculator.

Points collection table
How to collect points Points per month
Digital banking
Do at least four payments, transfers and/or purchases per month via the FNB Banking App 2 000
Have at least four monthly debit orders on your FNB Fusion Premier Account or FNB Premier Cheque Account 1 000
Have a monthly spend on your FNB Connect SIM card, excluding any device premiums and any purchases using eBucks as the payment method:  
  • Between R200 and R349.99
500
  • Between R350 and R649.99
1 000
  • R650 or more
1 500
My cards
Have an FNB Fusion Premier Account 1 000
Spend more on your FNB cards and/or FNB Pay than the amount of cash you withdraw at ATMs and FNB branches during the month 500
Make sure your Cash@Till™ withdrawals are greater than the value of all your cash withdrawals at ATMs and FNB branches during the month 1 000
Have qualifying spend on your FNB Fusion Premier Card or FNB Premier Credit Card in a calendar month:  
  • Between R2 000 and R4 999
500
  • Between R5 000 and R7 999
1 000
  • Between R8 000 and R14 999
1 500
  • R15 000 or more
2 000
Have qualifying online or international spend on your FNB Fusion Premier Card, FNB Premier Credit Card or FNB Premier Cheque Card for:  
  • Between R250 and R999 per month
500
  • Between R1 000 and R1 999 per month
1 000
  • Between R2 000 and R4 999 per month
1 500
  • R5 000 or more per month
2 000
Use your FNB Fusion Premier Card and/or FNB Premier Credit Card for all your qualifying in-store and online spend of:  
  • Between 25% and 49.9% of your total monthly spend
500
  • Between 50% and 74.9% of your total monthly spend
1 000
  • Between 75% and 99.9% of your total monthly spend
2 000
  • 100% of your total monthly spend
3 000
Save
Have an FNB Savings and Investment Account(s) with a balance that grows by at least R1 000 per month (excluding interest)

Excludes FNB Tax-Free Cash Deposit and FNB Equity Trading growth
Should your monthly withdrawals from your Savings Account(s) exceed the value of your monthly deposits, there will be no growth on your Savings Account(s).
500
Maintain a monthly balance in your FNB Fusion Premier Account or FNB Premier Cheque Account of:  
  • R5 000 and R14 999
500
  • Between R15 000 and R54 999
1 000
  • R55 000 or more
2 000
Have at least one FNB Savings and Investment Account and maintain a monthly balance across your FNB Savings and Investment Account(s) of:  
  • Between R15 000 and R34 999
1 000
  • Between R35 000 and R69 999
1 500
  • R70 000 or more

Excludes FNB Tax-Free Cash Deposit and FNB Equity Trading Growth
2 000
Have an FNB Fixed Deposit Account(s) with a fixed term of at least six months and maintain a monthly balance of at least R15 000 in the account(s) 2 000
Have an FNB Fixed Deposit Account(s) with a fixed term of at least 12 months AND maintain a monthly balance of at least R150 000 in the account(s) (only applicable for Premier Select Account holders) 3 000
Invest
Make a single monthly contribution of at least R1 500 into an FNB Horizon Series Unit Trust within the following product:
Horizon Series include: Endowment, Retirement Annuity, Living Annuity, Preservation Fund, Provident Fund and Investment Account

Excludes FNB Tax-Free shares.
1 000
Have an FNB Tax-Free Shares, FNB Tax-Free Horizon Series Unit Trust or Tax-Free Cash Deposit Account and make a monthly contribution of at least: R1 500 500
OR  
Have an FNB Tax-Free Shares, FNB Tax-Free Horizon Series Unit Trust or Tax-Free Cash Deposit Account and make an annual contribution of at least: R33 000
Monthly contributions must be made via Scheduled Transfer or Debit Order.

The total monthly and annual contributions must be made within the current tax year, which runs from 1 March 2018 to 28 February 2019
1 000
Have an FNB Global Account and maintain a minimum monthly balance of either:
  • 1 500 Australian dollars, euros, British pounds, Canadian dollars or US dollars
  • OR
  • 90 000 Indian rupees
  • OR
  • 9 000 United Arab Emirates dirham
1 000
Have a mandate with FNB Share Builder, FNB Share Investor or self-managed stockbroking FNB Securities account and maintain a trade value in listed shares of at least:  
  • R25 000 in the previous month or R75 000 over the last three months
1 000
  • R50 000 in the previous month or R150 000 over the last three months

This rule applies to FNB Securities local and global trader accounts.
Self-managed stockbroking mandates apply to individual clients only and exclude FSPs (including IFA and 3rd party clients of Ashburton and FNB Securities). Trade volume is based on consideration, namely net of fees (excludes all CIS, corporate actions, journal, fee and zero brokerage transactions).
All offshore investments, offshore holdings and offshore trusts are excluded from earning points under this category. Offshore Trade made on GTP is included.
2 000
Maintain a minimum monthly balance over a rolling 3-month period in your FNB Horizon Series Unit Trust of:  
  • R400 000
1 000
  • R1 million

Excludes Tax Free products
2 000
Meet the rule above and invest under the following wrappers Endowment, Retirement Annuity, Living Annuity, Preservation Fund and Provident Fund 500
Fund your FNB Global Account(s) from your FNB Fusion Premier Account or FNB Premier Cheque Account to the value of R6 000 over the last 3 months 1 000
Borrow*
Have a Credit Facility on your FNB Fusion Premier Account or an Overdraft limit on your FNB Premier Cheque Account of at least R10 000 and use at least R1 000 of your Overdraft limit or Credit Facility per month

You won't collect these points if your Fusion Account Credit Facility or Cheque Account Overdraft limit isn't used for at least 24hrs of a business day and if your account doesn't stay in a positive balance for at least 24hrs.
2 000
Have an FNB Revolving Loan with a credit limit of at least R15 000 of which you've used an average of between 40% and 100% during the month 1 500
Have an FNB Personal Loan or Student Loan of at least R40 000 which you repay via a monthly debit order from your FNB Fusion Premier Account or FNB Premier Cheque Account 3 000
Home and car
Have an FNB Home Loan or FNB One Account and use between:  
  • 70% to 79.9% of the Loan or Facility during the month
2 500
  • 80% to 89.9% of the Loan or Facility during the month
3 000
  • 90% to 100% of the Loan or Facility during the month

Home Loan and Structured Loan usage is calculated using the outstanding and available balances at month end i.e. Usage = outstanding balance / (outstanding balance + available balance)
Single Facility and One Account usage is calculated using the average outstanding and average available balances during the month i.e. Usage = average outstanding balance / (average outstanding balance + average available balance)
Excludes home loan accounts where customers have access to funds up to the Principal Debt Amount
1 000
Have an active FNB Vehicle Finance or WesBank Account
AND
Have your vehicle loaded on nav» Car
AND
Make your monthly Vehicle Finance repayments via a debit order set up from your FNB Fusion Premier Account or FNB Premier Cheque Account

nav» Car can be accessed on the FNB Banking App - simply click on the ""nav» Car"" icon on the App home page and log in when prompted.
VW, Audi and TFS Accounts won't qualify for this requirement.
1 000
Insurance
Have an FNB Life Insurance Policy with a minimum combined cover of R600 000
AND
Have a beneficiary with an ID and contact number for your Policy
AND
Pay your monthly premiums from your FNB Fusion Premier Account or FNB Premier Cheque Account

Qualifying FNB Life Insurance Policies include Life Cover, Critical Illness Cover, Disability Cover and Debt-Linked Cover. All qualifying policies will count toward the minimum cover amount.
Only Life Insurance products where FirstRand Life Assurance is the insurer are eligible for eBucks.
1 500
Have an FNB Life Insurance Policy with Life Cover and at least two additional types of cover
AND
Pay your monthly premiums from your FNB Fusion Premier Account or FNB Premier Cheque Account

Additional cover types include Critical Illness Cover, Disability Cover, Debt-Linked Cover and Income Protection Cover.
Only Life Insurance products where FirstRand Life Assurance is the insurer are eligible for eBucks.
500
Have an FNB Funeral Plan with at least two lives insured
AND
Have total minimum cover of R60 000 across all the lives insured
AND
Have a beneficiary listed on your Plan
AND
Pay your monthly premiums from your FNB Fusion Premier Account or FNB Premier Cheque Account

Children will not count towards the required two lives insured.
Only Funeral products where FirstRand Life Assurance is the insurer are eligible for eBucks.
500
Have an FNB Accidental Death Plan with total minimum cover of R600 000
AND
Have a beneficiary listed on your Plan
AND
Pay your monthly premiums from your FNB Fusion Premier Account or FNB Premier Cheque Account

Only Accidental Death products where FirstRand Life Assurance is the insurer are eligible for eBucks.
500
Family
Draft a will with FNB as your executor and have your signed will with a signature date no older than five years kept in FNB's custody 1 000
Have a linked FNBy Account on your profile*

*Only applicable to FNBy accounts for under 18's
1 000
Have a linked FNB Premier Cheque Account for Spouses on your profile or be on the FNB Premier Cheque Account for Spouses pricing Option 1 000

NB: In order to collect points, your FirstRand Bank accounts must be in Good Standing and in an active status, meaning there's regular activity on the account or that the account is still being used for its original intended purpose.

*Qualifying FNB Islamic Banking customers will receive 2 000 concession points every month as these accounts are not eligible for Overdrafts or Personal Loans.

Earn eBucks according to your reward level

Once you've qualified and your reward level has been determined, you're ready to earn eBucks.

The table below shows the different reward rates. This is the percentage of your qualifying purchases that you earn back in eBucks according to your reward level.

Points collected monthly 1 000
-
4 999
5 000
-
6 999
7 000
-
9 999
10 000
-
11 999
12 000
or
more
Your reward level 1 2 3 4 5
Reward rates
In-store shopping: FNB Fusion Card/Credit Card 0.5% 0.7% 1% 1.2% 2%
In-store shopping: Cheque Card 0.25%
Online shopping: FNB Fusion Card/Credit Card 0.5% 0.7% 1% 1.2% 2%
Online shopping: Cheque Card 0.25%
Engen: rands/litre* R0.10 R0.25 R0.75 R2.00 R4.00
Transport: Uber 0.5% 2.5% 5% 7.5% 15%
Checkers & Shoprite 1% 2.5% 5% 7.5% 15%
FNB Connect contracts and prepaid airtime** 1% 2.5% 5% 7.5% 15%
FNB Life*** 1% 2.5% 5% 7.5% 15%
Sending or receiving foreign currency through FNB Forex
Online, App and standing instruction fees 5% 10% 20% 30% 50%

*Fuel earn is based on the inland ULP 95 petrol price. Only fuel purchases made at Engen will qualify for earn.

** Excludes any prepaid purchases using eBucks as the payment method.

***Cumulative across all policies including Life Cover, Critical Illness Cover, Disability Cover, Debt-Linked Cover, Accidental Death Cover and Funeral Cover premiums

If you have not qualified to start earning eBucks, you will earn as follows: 0.5% back in eBucks on in-store shopping at Checkers and Shoprite using your FNB Premier Cheque Card or FNB Premier Credit Card.

Earn rules

  • Determining your reward level
    • Your reward level is calculated around the 8th of each month, based on the number of reward level points you've collected from FNB in the previous month.
  • Qualifying spend
    • Qualifying spend (i.e. spend on which you earn eBucks) excludes Cash@Till™, transfers, EFTs, debit orders, cash withdrawals, travellers' cheques, foreign exchange transactions and casino gambling transactions.
    • You don't earn eBucks on FNB Money Market Transactor Accounts.
  • Shopping
    Shopping spend limits apply irrespective of whether you shop domestically or internationally.
    • In-store shopping
      • The amount on which you earn eBucks is limited to a total monthly rand spend (on qualifying card swipes only) of R10 000 on your qualifying FNB Fusion Premier Card, FNB Premier Credit Card and/or FNB Premier Cheque Card. Thereafter, you'll earn eBucks on in-store shopping purchases made using your FNB Fusion Premier Card or FNB Premier Credit Card at a flat rate of 0.5%.
      • You won't earn eBucks on in-store shopping purchases above the R10 000 spend limit made using your FNB Premier Cheque Card.
      • Your FNB Fusion Premier Card/FNB Premier Credit Card spend is considered first toward the spend limit.
    • Online shopping
      • The amount on which you earn eBucks is limited to a total monthly rand spend (on qualifying online spend only) of R2 500 on your qualifying FNB Fusion Premier Card, FNB Premier Credit Card and/or FNB Premier Cheque Card. Thereafter, you'll earn eBucks on online purchases made using your FNB Fusion Premier Card or FNB Premier Credit Card at a flat rate of 0.5%.
      • You won't earn eBucks on online purchases above the R2 500 spend limit made using your FNB Premier Cheque Card.
      • Your FNB Fusion Premier Card/FNB Premier Credit Card spend is considered first towards the spend limit.
  • Checkers & Shoprite
    • The amount on which you earn eBucks is limited to 20% of your total monthly qualifying FNB Fusion Premier Card, FNB Premier Credit Card and/or FNB Premier Cheque Card spend or a total rand spend (on Checkers and Shoprite in-store shopping only) of R2 000 per month, whichever occurs first.
    • You won't earn eBucks on purchases made at MediRite Pharmacies,Money Market counters, Computicket, Computicket-Travel and cash at till withdrawals.
  • Engen
    • Earn up to R4/litre back in eBucks for your fuel spend at Engen only, based on the price of inland ULP 95. No earn will be awarded on fuel purchases at any other fuel retailers. For more information on the new fuel earn exclusive to Engen, click here.
    • The amount on which you earn eBucks is limited to 20% of your total monthly qualifying FNB Fusion Premier Card, FNB Premier Credit Card and/or FNB Premier Cheque Card spend or a total rand spend (on Engen fuel) of R2 000 per month, whichever occurs first.
    • You can fill up at any domestic Engen fuel station, but you must pay for your Engen fuel on the Engen forecourt. You won't earn eBucks if you pay for Engen fuel at the Quickshop at the Engen fuel station.
    • A linked FNB Premier Petro Card will also qualify to earn eBucks when you fill up at any Engen fuel station.
    • Note: You'll not earn eBucks on Engen fuel spend above the R2 000 spend limit made using your FNB Fusion Premier Card, linked FNB Premier Petro card and your FNB Premier Cheque Card/FNB Premier Credit Card.
  • Transport: Uber
    • The amount on which you earn eBucks is limited to 20% of your total monthly qualifying FNB Fusion Premier Card, FNB Premier Credit Card and/or FNB Premier Cheque Card spend or a total rand spend (on Uber rides only) of R1 000 per month, whichever occurs first.
    • You only earn eBucks on Uber rides taken domestically.
    • Note: You'll not earn eBucks on Uber spend above the R1 000 spend limit made using your FNB Fusion Premier card, FNB Premier Credit Card, and your FNB Premier Cheque Card
  • FNB Connect contracts and prepaid airtime
    • The amount on which you earn eBucks is limited to a total monthly rand spend of R1 000 on qualifying FNB Connect contracts and/or prepaid spend only and excludes any device premiums linked to your contract, any eBucks exempt contracts (Ultimate/Unlimited Calls) and any purchases using eBucks as the payment method.
  • FNB Life
    • The amount on which you earn eBucks is limited to a total monthly premium spend of R7 000.
    • The monthly premiums on your qualifying FNB Life Insurance Policy, Funeral Plan and/or Accidental Death Plan must be paid on time from an FNB Cheque Account or FNB Credit Card. You won't earn eBucks for any month where premiums weren't paid - either because you didn't make payment that month, or because FNB Life chose to waive your premium that month for any reason (for example in the month of your 'Premium Holiday').
    • You will earn eBucks back on premiums and collect points for the following cover types: Life Cover, Disability, Critical Illness, Debt-Linked, Income Protection, Funeral and Accidental Death.
    • The percentage earned back in eBucks is calculated based on the sum total of monthly premiums for all your qualifying FNB Life policies. Your participation in the eBucks programme allows us to better assess your risk enabling you to earn back a percentage of your premium in the form of eBucks and/or collect points towards your rewards level.
    • In the case of an FNB Life Policy, only the payer of the premiums will earn eBucks; other lives insured and/or beneficiaries named in the policy won't earn eBucks.
    • These rules apply automatically upon you qualifying for eBucks rewards.
  • FNB Forex
    • The eBucks you'll earn will be paid in the month after the transaction was done.
    • You'll only earn eBucks on transaction charges on FNB Forex inward and outward payments in a foreign currency (not South African rand).
    • All FNB Forex transactions must be done via the FNB Banking App or FNB Online Banking, except where you have a standing instruction with FNB Forex to transact on your behalf.
    • You don't earn eBucks on foreign notes, travellers' cheques, foreign currency account (FCA) funding, customer foreign currency (CFC) account funding, cash passport, PayPal™, MoneyGram™ or any other foreign exchange products.
    • You also don't earn eBucks when you're transacting on a special discount or pensioner pricing.
  • Things to remember
    • Ensure that ALL your FirstRand Bank accounts are in good standing. This means your accounts aren't overdrawn, in arrears or in default, you haven't missed a premium, and you aren't undergoing sequestration, business rescue, or collection or liquidation proceedings (excluding debt review proceedings). FirstRand Bank accounts include, but are not limited to FNB, WesBank, RMB Private Bank and Ashburton accounts.
    • Qualifying financial transactions include payments, transfers and purchases, but exclude debit orders, inter-account transfers, deposits and the viewing of accounts.
    • Card spend excludes Cash@Till™, EFTs and Transfers.
    • An account that's active means that there's regular activity on the account or that the account is still being used for its original intended purpose.

SLOW lounge benefits

All entries into the Lounges are charged for. Your fee will only be reversed if you meet the following criteria:
Qualifying Premier Cards Qualifying criteria for complimentary visits* Complimentary visits per calendar year Fee per additional visit over and above your complimentary visits or when qualifying criteria are not met
Credit Card and Cheque Card

OR

FNB Fusion Premier Card
eBucks Reward Level 1 2** R250 per person
eBucks Reward Level 2 6** R250 per person
eBucks Reward Level 3 8** R250 per person
eBucks Reward Level 4 10** R250 per person
eBucks Reward Level 5 12** R250 per person

*Complimentary visits are allocated to SLOW Domestic Lounges only.

Only your first guest or child will benefit from your complimentary entries and you will be charged for every guest or child thereafter.

Guest entries are considered as part of the cardholder's complimentary entries and will be deducted from the available complimentary entries. Only your first guest or child between the age of 2 to 18 years will benefit from your complimentary entries and you will be charged for every guest or child thereafter.

Children younger than 2 years old enter the lounges for free.

**No guests allowed during peak times.
Peak times:
Monday to Friday 05h00-07h00 and 13h00-17h30
Sunday 15h00-17h30

All visits to SLOW International are charged R400 per visit per person.

For full SLOW Lounge rules visit www.fnb.co.za