How to Earn FNB eBucks Points and How to Increase eBucks Level?
Spending with the consciousness of “saving and earning at the same time” has never been better with the eBucks reward from FNB which is based on a point system. Let’s rewind a little for a basic understanding of eBucks reward from FNB; it’s an innovative FNB and RMB Private Bank rewards programme that was introduced in October 2000 to be delivering real and meaningful value eCommerce services to their customers, members and partners alike as they do their everyday things – filling up with fuel, loading airtime or shopping. In return, the earned eBucks can be used to shop at any eBucks partner store and eBucks shop.
Qualifying Requirement for Earning FNB eBucks
To earn eBucks, you must meet the current qualifying requirements for your FNB or RMB Private Bank account. Reward-level points and spendable eBucks are different, and the rules depend on your account and qualifying activity.
Start by checking the current eBucks guide for your account. It sets out the qualifying requirements, reward-level points, earning rates and caps:
- Simple Basic Requirement
- Account Specific Requirement
Simple Basic Requirement:
Note: Monthly deposit, account-use and other requirements vary by account and can change when the programme rules are updated.
Account Specific Requirement
Qualifying accounts and their requirements differ. Use the current guide for the account you actually hold rather than relying on an older product list.
Note: A linked credit product does not automatically guarantee a higher reward. Check the current rules and costs for the products you already use.
Earning FNB eBucks
Qualifying everyday transactions may earn rewards, but participating partners, rates and monthly caps depend on the account and current programme rules. Check them before treating any purchase as an eligible transaction.
Reward-level points help determine your reward level. Spendable eBucks are then earned under the rates and limits for your account and qualifying transactions.
Ten eBucks have a value of R1 when you spend them. This is different from earning ten eBucks for every R1 spent. Your actual earning rate depends on your account, reward level, qualifying partners, transactions and the current programme limits.
The programme reviews your reward level according to its current rules. Check the points and earned eBucks separately on your account so you know which figure you are looking at.
Increasing FNB eBucks point
Knowing the qualifying rules can help you make use of rewards from your normal banking. More spending does not always mean more rewards, because exclusions and earning caps apply.
The sections below explain areas to check in your account’s current rewards guide:
Maintain a good credit status
If credit-status features are relevant to your account, check the points available in the current FNB guide. An old score-to-points table should not be treated as the current rule for every account.
Check current credit-status points in your account’s rewards guide.
Monitor the “Track my rewards” tab on the FNB app
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The rewards section in the FNB app lets you review your current reward level, qualifying activity and opportunities. Any points for using a particular feature depend on the current account rules.
Savings balances and monthly growth
If your account’s current rules reward savings activity, check which savings product, balance and growth conditions qualify. Saving can support your financial goals, but one old balance threshold does not apply to every account.
Also Read: How Do I Apply for Harambee in South Africa?
Eligibility depends on your account, the savings product and the current rewards rules.
Check the current savings criteria before assuming that a particular balance or monthly deposit will earn a fixed number of points.
Use qualifying FNB app transactions
Use the app’s rewards tracker and current account guide to see which transactions qualify and any applicable monthly limits. Two transactions do not automatically earn the same points on every account.
Credit products and reward rules
If you already use a credit card or overdraft, check the current rewards rules and the product’s costs. Follow the repayment terms and use the rewards guide for your account to check which activity qualifies.
Qualifying online purchases
Some qualifying online purchases may contribute to rewards under your account’s rules. Check the eligible payment methods, partners and caps instead of assuming that a fixed number of purchases earns 2,000 points.
Draft a will for your family
If your current rewards guide includes estate-planning products, check the conditions and fees carefully. Naming an executor should be based on the service and its terms; it does not universally earn 1,000 points every month.
Investments and product-specific rules
Investment-related rewards, where offered, depend on the product and current programme rules. Check those rules and the investment’s costs before assuming that a R5,000 trade earns points.
Check the current account guide before taking action.
Finally, keep track of qualifying activity, your reward level and the eBucks you actually earn. The programme terms explain the value and conditions; an old points example is not a guarantee of current rewards.