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Join us


To join eBucks, visit www.eBucks.com

eBucks Contact Centre

Telephone

087 320 3200

Fax

086 110 0062

Email

info@eBucks.com

International contact number

+27 11 371 3711

Hours

Monday to Friday from 08:00 to 17:00

Saturdays from 09:00 to 12:00

Closed on Sundays and Public Holidays

Shop


  • Earn up to 2.5% back in eBucks on your FNB Private Clients Credit Card and up to 0.25% back on your FNB Private Clients Current Card whenever you swipe in-store
  • Earn up to 5% back in eBucks on your FNB Private Clients Credit Card and up to 0.5% back on your FNB Private Clients Current Card whenever you shop online
  • Earn up to 15% back in eBucks when you shop at Checkers & Shoprite

Move, be moved


  • Earn up to 15% back in eBucks on your Uber rides
  • Earn up to 15% back in eBucks when you fill up with fuel at any fuel station and/or buy Gautrain tickets

Forex


  • Earn up to 50% back in eBucks on your transaction charges when you send or receive foreign currency via Online Banking or the FNB Banking App OR on your transaction charges when receiving�foreign currency�regularly by authorising FNB Forex to convert these funds on your behalf with a standing instruction

Stay connected


  • Earn up to 100% back on your active FNB Tablet, Smartphone or Laptop contract monthly subscription fee
  • Earn up to 40% back in eBucks on your qualifying FNB Connect contract or when loading FNB Connect prepaid airtime
  • Earn up to 15% back in eBucks when you load all networks* prepaid airtime electronically through FNB
  • Earn up to 15% back in eBucks when you buy prepaid electricity electronically through FNB

* 'All networks' refers to all cellular networks other than FNB Connect

FNB Life Insurance


NEW! Earn up to 15% back in eBucks on your monthly FNB Life insurance premiums.

Requirements to start earning eBucks


  • All your FNB accounts must be active (which means you transact on them) AND in good standing (which means they are not overdrawn, in arrears or in default, and you are not undergoing sequestration or any legal process).
  • Log in to the FNB Banking App at least once a month using your own banking profile
  • Have an active Private Clients credit card
  • Have a total monthly deposit of at least R32 500 into your FNB Private Clients Current Account OR maintain a minimum monthly balance of R75 000 in your FNB Private Clients Current Account.

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 FNB Private Clients Account(s). As soon as you fulfil the relevant requirement again, you will earn eBucks when you use your account(s) again.
  • If you hold an FNB Private Clients Current Card and Private Clients Credit Card on the bundled pricing option, you will no longer have to pay the Monthly Credit Card Rewards Fee on your FNB Private Clients Credit Card to earn eBucks.

Qualifying purchases


  • Qualifying purchases (i.e. purchases on which you earn eBucks) exclude EFTs, debit orders, cash withdrawals, travellers' cheques, foreign exchange transactions and casino gambling transactions.
  • You don't earn eBucks on joint accounts or on FNB Money Market Transactor Accounts.

Determining your reward level


Your reward level is calculated around the 8th of each month based on how you used your account during the previous calendar month.

Shopping spend limits


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 R25 000 on your qualifying Private Clients Credit and and/or Current Card. Thereafter, you will earn eBucks on shopping purchases made using your Private Clients Credit Card at a flat rate of 0.5%.

You'll not earn eBucks on in-store shopping above the R25 000 spend limit made using your Private Clients Current Card and your Private Clients Credit Card spend is considered first towards 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 R7 500 on your qualifying Private Clients Credit Card and/or Current Account. Thereafter, you'll earn eBucks on online spend made using your Private Clients Credit Card at a flat rate of 0.5%.

You'll not earn eBucks on online purchases above the R7 500 spend limit made using your Private Clients Current Card and your Private Client Credit Card spend is considered first towards the spend limit.

NOTE:

Your FNB Private Clients Credit Card spend is considered first towards the spend limit.

Please note that for certain shopping purchases made in Lesotho, Namibia or Swaziland, you will earn eBucks at your shopping (swipes) reward rate, and not at your international shopping reward rate.

Checkers & Shoprite spend limit and rules


The amount on which you earn eBucks is limited to 20% of your total monthly qualifying Private Clients Credit Card and/or Current Account spend or a total rand spend of R13 500 per month, whichever occurs first.

Excluding transactions at MediRite Pharmacies, Money Markets, Computicket, Computicket-Travel and Cash@Till withdrawals.

Fuel, Gautrain and Uber spend limits and rules


  • The amount on which you earn eBucks is limited to 20% of your total monthly qualifying FNB Private Clients Current and Credit Card spend or a total rand spend (on fuel, Uber rides and Gautrain tickets only) of R4 750 per month, whichever occurs first.
  • You can fill up at any fuel station, but you must pay for your fuel through the fuel station pay point - you won't earn eBucks if you pay for fuel at the convenience store at the fuel station.
  • An FNB Private Clients Petro Card linked to an FNB Private Clients Credit Card will qualify to earn eBucks when filling up at any fuel station.
  • You only earn eBucks on Uber rides taken domestically.

Prepaid electricity spend limits and rules


  • You earn eBucks on electricity bought via FNB's electronic banking channels:
    • FNB Banking App - Download the app from your app store.
    • Online Banking
    • Cellphone Banking - dial *120*321# (electricity*)
  • The amount on which you earn eBucks is limited to a total monthly rand spend of R1 500

** Standard network rates apply.

FNB Connect contracts and prepaid airtime spend limits and rules


  • The amount on which you earn eBucks is limited to a total monthly rand spend (on qualifying FNB Connect contracts and/or prepaid airtime purchases only) of R625.
  • You earn eBucks on FNB Connect prepaid airtime bought via FNB's electronic banking channels:
    • Online Banking
    • Cellphone Banking - dial *130*321#
    • FNB Banking App - you must have a compatible smartphone or tablet to use this.

FNB Forex rules


  • The eBucks you earn will be paid in the month after the transaction was done.
  • All FNB Forex transactions must be done via Online Banking or the FNB Banking App using your smartphone, except where you have a standing instruction with FNB Forex to transact on your behalf.
  • You only earn eBucks on transaction charges on FNB Forex inward and outward payments in a foreign currency (not South African rand).
  • 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 are transacting on a special discount or pensioner pricing.

FNB Life Insurance rules


  • You earn eBucks on the monthly premiums you pay for qualifying insurance products offered by FNB Life
  • Qualifying insurance products are as follows: Life Cover, Debt-linked Cover, Disability Cover and Critical Illness Cover. For more information contact FNB Life on 087 736 7774
  • eBucks will not be earned on premiums for the following products: Funeral Cover, Accidental Death Cover and Credit Life Cover
  • The eBucks you earn will be calculated based on the sum total of monthly premiums paid for all the qualifying insurance products that you have with FNB Life.
  • Monthly premiums for qualifying insurance products must be paid on time from an FNB account. eBucks will not be earned in any month where premiums are not paid; either because you did not make the payment that month, or if FNB Life has chosen to waive your fee that month for any reason.
  • Only the payer of the premiums will earn eBucks; beneficiaries and/or spouses named in any qualifying product(s) will not earn eBucks.

Reward rates


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.

In order to get to reward level 2 and above, you will need both a Private Clients Credit Card and Current Account. If you have only one qualifying product, you will remain on reward level 1 irrespective of points.

Points collected monthly 1 000 or more 1 000 - 11 499* 11 500 - 14 499* 14 500 - 17 499* 17 500 or more*
To Qualify for level 2 above you need both a Private Clients Credit Card and Current Account
Your reward level 1 2 3 4 5
Reward rates
In-store shopping: Credit Card 0.5% 0.8% 1.2% 1.6% 2.5%
In-store shopping: Current Card 0.25% 0.25% 0.25% 0.25% 0.25%
Online shopping: Credit Card 1% 1.6% 2.4% 3.2% 5%
Online shopping: Current Card 0.5% 0.5% 0.5% 0.5% 0.5%
Fuel, Gautrain & Uber (Transport) 0.5% 2.5% 5% 7.5% 15%
Checkers & Shoprite 1% 2.5% 5% 7.5% 15%
Prepaid electricity 0.5% 2.5% 5% 7.5% 15%
FNB Connect contract, prepaid airtime and LTE 15% 20% 25% 30% 40%
FNB Life Cover 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%

Things to remember

If you've not yet qualified to start earning eBucks, you will earn as follows:

  • 0.5% back in eBucks on in-store shopping at Checkers & Shoprite using your Private Client Credit Card or Private Client Current Card
  • 0.5% back in eBucks on in-store shopping made using your linked Private Client Credit Card
  • 1% back in eBucks on online shopping made using your linked Private Client Credit Card

Sending or receiving foreign currency through FNB Forex


Points collected monthly 1 000 or more 1 000 - 11 499 11 500 - 14 499 14 500 - 17 499 17 500 or more
Your reward level 1 2 3 4 5
Reward rates
Online, app and standing instruction fees 5% 10% 20% 30% 50%

Things to remember

If you've not yet qualified to start earning eBucks, you will earn as follows:

  • 0.5% back in eBucks on in-store shopping at Checkers & Shoprite using your Private Client Credit Card or Private Client Current Card
  • 0.5% back in eBucks on in-store shopping made using your linked Private Client Credit Card
  • 1% back in eBucks on online shopping made using your linked Private Client Credit Card

Use FNB's value-added services and how you bank in general


How you bank in general Points
Update your contact details at least once in a 12-month period via Online Banking
and
allow FNB to communicate with you by giving them consent to market to you
and
choose to receive all your statements via email only
1 000
Do all your payments and transfers via FNB's electronic banking channels.
You will not collect these points on any transaction inside an FNB branch, FNB Private Clients Service Suite, including banker issued statements
1 000
Complete at least four financial transactions a month using the FNB Banking App 2 000

Use your FNB Private Clients Current Account


What to do to collect points Points per month
Maintain a minimum monthly balance in your Current Account of:
Between R25 000 and R49 999 1 000
Between R50 000 and R74 999 1 500
Between R75 000 and R99 999 2 000
R100 000 or more 2 500
Have at least five monthly debit orders on your Private Clients Current Account 1 000

Use your FNB Credit Card


What to do to collect points Points per month
Set up an Auto Payment on your FNB Private Clients Credit Card 1 000
Spend on your FNB Private Clients Credit Card in a calendar month for:
Between R3 000 and R9 999 1 000
Between R10 000 and R24 999 1 500
Between R25 000 and R49 999 2 000
R50 000 or more 3 000
Spend excludes EFTs and transfers
Do not exceed your limit or go into arrears on your FNB Private Clients Credit Card for:
Between 6 and 18 months 500
Between 18 and 36 months 1 000
36 months or more 1 500
Total monthly spend on your FNB Private Clients Credit Card:
Between 25% and 49.9% of your total monthly spend is on your FNB Private Clients Credit Card 500
Between 50% and 74.9% of your total monthly spend is on your FNB Private Clients Credit Card 1 000
Between 75% and 99.9% of your total monthly spend is on your FNB Private Clients Credit Card 2 000
100% of your total monthly spend is on your FNB Private Clients Credit Card 4 000

Total monthly spend = FNB spend + FNB Private Wealth Current Card spend; excludes EFTs, Cash@Till™ and transfers

Use your FNB Private Clients Credit Card or Current Account*


Spend on your Private Clients Credit Card in a calendar month for: Points
Between R8 500 and R12 499 1 000
Between R12 500 and R24 999 1 500
Between R25 000 and R59 999 2 000
R60 000 or more 3 000
Use your Private Clients Credit Card or Current Account to shop online or swipe internationally for: Points
Between R1 000 and R1 999 1 000
Between R2 000 and R2 999 1 500
Between R3 000 and R7 999 2 000
R8 000 or more 3 000
Total monthly spend on your Private Clients Credit Card: Points
Between 25% and 49.9% of your total monthly spend is on your Private Clients Credit Card 500
Between 50% and 74.9% of your total monthly spend is on your Private Clients Credit Card 1 000
Between 75% and 99.9% of your total monthly spend is on your Private Clients Credit Card 2 000
100% of your total monthly spend is on your Private Clients Credit Card 3 000
Have an Auto Payment on your Premier Credit Card with your Premier Current Account details 1 000
Your card swipes and/or Cash@Till™ withdrawals exceed your ATM and FNB branch cash withdrawals
OR
You only swipe your card and/or use Cash@Till™ (no ATM or FNB branch withdrawals)
1 500

Use FNB's value-added services and products


FNB Securities means local or global trader account

What to do to collect points Points per month
Have an FNB Savings or Investment Account(s) (including Tax-Free Cash Deposit) and maintain a minimum monthly balance of:
Between R30 000 and R59 999 1 500
Between R60 000 and R99 999 2 000
Between R100 000 and R299 999 3 000
R300 000 or more 4 000
Have a scheduled transfer or scheduled payment of at least R2 000 per month into a 7 Day Notice Account, 32 Day Notice Account, Tax-Free Cash Deposit Account, Flexi Fixed Deposit Account or MyFirstSavings Account
and
maintain a minimum monthly balance of R10 000 in the same account
2 000
Have an FNB Global Account and maintain a minimum monthly balance of either:

2 500 Australian dollars, euros, British pounds or US dollars

15 000 Chinese renminbi

160 000 Indian rupees

2 500
Have an FNB Channel Islands Current Account and maintain a minimum monthly balance of 5 000 British pounds 4 000
Have an FNB Channel Islands Call, 32 Day Notice or Fixed Deposit Account
and maintain a minimum monthly balance of:

Between 10 000 and 24 999 euros, British pounds or US dollars

25 000 or more euros, British pounds or US dollars

3 000

5 000

Have a non-discretionary mandate with FNB Share Investor or FNB Securities and maintain a minimum trade value in listed shares of:

R20 000 in the previous month or R120 000 over the last six months

R60 000 in the previous month or R360 000 over the last six months

R120 000 in the previous month or R720 000 over the last six months

*FNB Islamic Banking customers who have a debit order from their Islamic Current Account for Islamic Vehicle Finance will qualify for 1 000 points on a monthly basis.

1 500

2 500

3 500


Maintain a minimum monthly balance in an FNB Unit Trust of at least:

R300 000

R1 000 000

1 000

2 000

Make a monthly payment of at least R1 500 into an FNB Unit Trust

1 000

Have an FNB Tax Free Shares Account and:
Make a monthly payment of at least R2 000
OR
Make an annual contribution of at least R25 000 in the current tax year. Tax year runs from 1 March to 28 February
500

1 000

1. Have an FNB Home Loan, One Account or Single Facility with a minimum outstanding balance of R100 000

1 000

2. your FNB Home Loan, One Account or Single Facility meets requirement (1) above and you have an FNB debit order or salary stop order setup on the account

1 000

Draft a will with FNB as your executor and keep your signed will in FNB's custody with the signature date not older than 5 years

1 000

Make use of the following FNB credit products**


What to do to collect points Points per month
Have an Overdraft facility with a credit limit of at least R20 000 of which you have used between 40% and 100% 2 000
Have a Revolving Loan with a credit limit of at least R20 000 of which you have used between 40% and 100% of the facility
OR
Have a Personal Loan of at least R10 000
3 000

Use FNB's Vehicle Finance or WesBank products*


What to do to collect points Points per month
Have an Wesbank account and allow WesBank to communicate with you by giving them consent to market to you (excludes VW and Toyota Financial Services) 1 000
Login to WesBank Online at least once a month 1 000

Qualifying requirements


To get going, you must:

1. Have an FNB Private Clients Current Account that is active - which means you transact on the account - and where you either:

Have a minimum monthly deposit of:

  • R32 500 into an Private Clients Cheque, Islamic Cheque, Private Clients or One Account

OR maintain a minimum monthly balance of:

  • R75 000 in an Private Clients Current or Islamic Current Account

2. Have an active Private Clients Credit Card

3. Login to the FNB Banking App at least once a month, using your own banking profile ( download the FNB Banking App)

4. Ensure ALL your FirstRand Bank accounts are in good standing (which means they are not overdrawn, in arrears, in default or missed a premium, and you are not undergoing sequestration or any legal process)


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 qualify for eBucks Rewards for the month.
  • If you only have an active Private Clients Current Account, you'll qualify to earn eBucks on reward level 1 only, as long as you meet the sufficient balance or deposit rule, log in to the FNB Banking App at least once a month and your account/s are in good standing.
  • If you only have an active Private Clients Credit Card, you'll qualify to earn eBucks on reward level 1 only, as long as you spend at least R7 000 per month or R21 000 over three months on your Private Clients Credit Card, log in to the FNB Banking App at least once a month and your account/s are in good standing.
  • Although there are eight product groups that will allow you to move up a reward level, there are only five reward levels. You can hold more than one product from any of the product groups, but products in the same product group will be counted as a single reward level.
  • FirstRand Bank accounts include but are not limited to FNB, WesBank, RMB Private Bank and Ashburton.

FNB Banking APP


Download the FNB Banking App

Points rules


What to do to collect points Points per month
How you bank in general

Update your contact details at least once in a 12-month period via Online Banking
and
allow FNB to communicate with you by giving them consent to market to you
and
choose to receive all your statements via email only

1 000

Do all your payments and transfers via FNB's electronic banking channels
You will not collect these points on any transaction inside an FNB branch, FNB Private Clients Service Suite, including banker issued statements

1 000

Complete at least four financial transactions a month using the FNB Banking App.

2 000
Use your FNB Private Clients Current Account
Maintain a minimum monthly balance in your Current Account of:
  • Between R25 000 and R49 999
  • Between R50 000 and R74 999
  • Between R75 000 and R99 999
  • R100 000 or more
  • 1 000
  • 1 500
  • 2 000
  • 2 500

Have at least five monthly debit orders on your Private Clients Current Account

1 000
Use your FNB Private Clients Credit Card or Current Account*
Spend on your Private Clients Credit Card in a calendar month for:
  • Between R8 500 and R12 499
  • Between R12 500 and R24 999
  • Between R25 000 and R59 999
  • R60 000 or more
  • 1 000
  • 1 500
  • 2 000
  • 3 000
Use your Private Clients Credit Card or Current Account to shop online or swipe internationally for:
  • Between R1 000 and R1 999
  • Between R2 000 and R2 999
  • Between R3 000 and R7 999
  • R8 000 or more
  • 1 000
  • 1 500
  • 2 000
  • 3 000
Total monthly spend on your Private Clients Credit Card:
  • Between 25% and 49.9% of your total monthly spend is on your Private Clients Credit Card
  • Between 50% and 74.9% of your total monthly spend is on your Private Clients Credit Card
  • Between 75% and 99.9% of your total monthly spend is on your Private Clients Credit Card
  • 100% of your total monthly spend is on your Private Clients Credit Card
  • 500
  • 1 000
  • 2 000
  • 3 000

Have an Auto Payment on your Private Clients Credit Card with your Private Clients Current Account details

1 000
  • Your card swipes and/or Cash@Till™ withdrawals exceed your ATM and FNB branch cash withdrawals
  • OR
  • You only swipe your card and/or use Cash@Till™ (no ATM or FNB branch withdrawals)
  • 1 000
  •  
  • 1 500
Use FNB's value-added services and products
Have an FNB Savings or Investment Account/s (including Tax-Free Cash Deposit) and maintain a minimum monthly balance of:
  • Between R30 000 and R59 999
  • Between R60 000 and R99 999
  • Between R100 000 and R299 999
  • R300 000 or more

(excluding an Equity Trading Account)

  • 1 500
  • 2 000
  • 3 000
  • 4 000
  • Have a scheduled transfer or scheduled payment of at least R2 000 per month into a 7 Day Notice Account, 32 Day Notice Account, Tax-Free Cash Deposit Account, Flexi Fixed Deposit Account or MyFirstSavings Account
  • and
  • maintain a minimum monthly balance of R10 000 in the same account
  •  
  • 2 000
  •  
Have an FNB Global Account and maintain a minimum monthly balance of either:
  • 2 500 Australian dollars, euros, British pounds or US dollars
    OR
  • 15 000 Chinese renminbi
    OR
  • 160 000 Indian rupees
2 500

Have an FNB Channel Islands Current Account and maintain a minimum monthly balance of 5 000 British pounds

4 000
Have an FNB Channel Islands Call, 32 Day Notice or Fixed Deposit Account and maintain a minimum monthly balance of
  • Between 10 000 and 24 999 euros, British pounds or US dollars
  • 25 000 or more euros, British pounds or US dollars

  • 3 000
  • 5 000
Have a non-discretionary mandate with FNB Share Investor or FNB Securities and maintain a minimum trade value in listed shares of :
  • R20 000 in the previous month or R120 000 over the last six months
  • R60 000 in the previous month or R360 000 over the last six months
  • R120 000 in the previous month or R720 000 over the last six months

FNB Securities means local or global trader account

  • 1 500
  • 2 500
  • 3 500
Maintain a minimum monthly balance in an FNB Unit Trust of at least:
  • R300 000
  • R1 000 000
  • 1 000
  • 2 000

Make a monthly payment of at least R1 500 into an FNB Unit Trust

1 000
Have an FNB Tax Free Shares Account and:
  • Make a monthly payment of at least R2 000
  • OR
  • Make an annual contribution of at least R25 000 in the current tax year

Tax year runs from 1 March to 28 February

  • 500
  •  
  • 1 000
 
  • 1. Have an FNB Home Loan, One Account or Single Facility with a minimum outstanding balance of R100 000
  • 2. your FNB Home Loan, One Account or Single Facility meets requirement (1) above and you have an FNB debit order or salary stop order setup on the account
  • 1 000
  •  
  • 1 000

Draft a will with FNB as your executor and keep your signed will in FNB's custody with the signature date not older than 5 years

1 000
Make use of the following FNB Credit products**

Have an Overdraft facility with a credit limit of at least R20 000 of which you have used between 40% and 100%

2 000

Have a Personal Loan of at least R10 000
OR
Have a Revolving Loan with a credit limit of at least R20 000 of which you have used between 40% and 100% (which means you utilised some or all of the granted credit facility and have an outstanding balance at the end of the month)

3 000
Use Wesbank products***
Have a WesBank Account and:
  • Allow WesBank to communicate with you by giving them consent to market to you
  • Login to WesBank Online at least once a month

(excludes VW and TFS)

  • 1 000
  • 1 000

Have an FNB Life Cover Policy and pay your monthly premiums from your Private Clients Current Account
Qualifying Life Cover includes Simplified and Customised Life Cover, but excludes Funeral Cover, Accidental Death Cover, Hospital Cash Cover and all types of Credit Life Cover.

1 000

* Spend excludes EFTs and transfers

** Qualifying FNB Islamic Banking customers will receive 2000 concession points every month as these accounts are not eligible for FNB credit products

*** FNB Islamic Banking customers who have a debit order from their Islamic Current Account for Islamic vehicle finance will qualify for 2 000 points on a monthly basis

Determining your reward level


Your reward level is calculated around the 8th of each month based on the number of reward level points you have collected from FNB in the previous month.

Qualifying spend


  • Qualifying spend (i.e. spend on which you earn eBucks) exclude 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 spend limits


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 R25 000 on your qualifying Private Clients Credit and and/or Current Card. Thereafter, you will earn eBucks on shopping purchases made using your Private Clients Credit Card at a flat rate of 0.5%.
  • You'll not earn eBucks on in-store shopping above the R25 000 spend limit made using your Private Clients Current Card and your Private Clients Credit Card spend is considered first towards 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 R7 500 on your qualifying Private Clients Credit Card and/or Current Account. Thereafter, you'll earn eBucks on online spend made using your Private Clients Credit Card at a flat rate of 0.5%.
  • You'll not earn eBucks on online purchases above the R7 500 spend limit made using your Private Clients Current Card and your Private Client Credit Card spend is considered first towards the spend limit.

Checkers & Shoprite spend limit and rules


The amount on which you earn eBucks is limited to 20% of your total monthly qualifying Private Clients Credit Card and/or Current Account spend or a total rand spend of R13 500 per month, whichever occurs first.

Fuel, Gautrain and Uber spend limits and rules


  • The amount on which you earn eBucks is limited to 20% of your total monthly qualifying Private Clients Credit and/or Current Card spend or a total rand spend (on fuel, Gautrain and Uber rides only) of R4 750 per month, whichever occurs first.
  • You can fill up at any domestic fuel station, but you must pay for your fuel through the fuel station pay point - you won't earn eBucks if you pay for fuel at the convenience store at the fuel station.
  • A Private Clients Linked Petro Card will qualify to earn eBucks when filling up at any fuel station.
  • You only earn eBucks on Uber rides taken domestically.

Prepaid electricity


You earn eBucks on electricity bought via�FNB's electronic banking channels:

The amount on which you earn eBucks is limited to a total monthly rand spend of R1�500.

* Standard network rates apply

Connect contracts and prepaid airtime, fixed LTE spend limits and rules


The amount on which you earn eBucks is limited to a total monthly rand spend of R1000 on qualifying Connect contracts and/or prepaid spend only and excludes any device premiums linked to your contract.

You earn eBucks on Connect prepaid purchases bought via FNB's electronic banking channels:

* Standard network rates apply

FNB Forex


  • The eBucks you'll earn will be paid in the month after the transaction was done.
  • All FNB Forex transactions must be done via the FNB Banking App or Online Banking, except where you have a standing instruction with FNB Forex to transact on your behalf.
  • You'll only earn eBucks on transaction charges on FNB Forex inward and outward payments in a foreign currency (not South African Rand).
  • 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 are transacting on a special discount or pensioner pricing.

FNB Life Cover rules


  • The monthly premiums on your qualifying FNB Simplified or Customised Life Cover must be paid on time from a Private Clients Current Account. eBucks won't be earned 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 fee that month for any reason (for example in the month of your 'Premium Holiday')
  • The percentage earned back in eBucks is calculated on the sum total of monthly premiums for your Life Cover Policy
  • eBucks won't be earned on premiums for the following cover types: Funeral Cover, Accidental Death Cover, Hospital Cash Cover and all types of Credit Life Cover
  • Only the payer of the premiums will earn eBucks; other lives insured and/or beneficiaries named in a Life Cover Policy won't earn eBucks

Qualifying criteria


  1. All your FNB Accounts must be active (which means you transact on them) AND in good standing (which means they are not overdrawn, in arrears or in default, and you are not undergoing sequestration or any legal process)
  2. Transact via Online Banking, Cellphone Banking, Telephone Banking (Interactive Voice Response only) or the FNB Banking App at least once a month, using your own banking profile
  3. Have a total monthly deposit of at least R32 500 into your FNB Private Clients Current Account OR maintain a minimum monthly balance of R75 000 in your FNB Private Clients Current Account

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 have collected in a calendar month. You collect points based on how you bank. So the more points you collect - the higher your reward level - the more eBucks you earn. It also determines the size of the discount you qualify for and the benefits, including eBucks Lifestyle that you qualify for.

Your reward level is reviewed around the 8th of each month. You can also check your level using the nifty eBucks Rewards Calculator.

Points rules

Private Clients


Rewards designed with you in mind

eBucks is South Africa's leading multi-partner rewards programme. As a client of FNB Private Clients you can earn eBucks on qualifying current and credit card purchases.

Earn eBucks


Quick overview

Remember: eB10 = R1

Follow these three steps to earn eBucks.

Earn eBucks


Qualifying requirements


In order to start earning your eBucks, you must meet the Qualifying requirements. If you meet all the requirements, but have not yet registered for eBucks, you can join eBucks Rewards now.

Qualifying requirements

Move up a reward level


Do more + collect more

After you've qualified, the second step is to move up a reward level.

Earn eBucks according to your reward level


Get your money and save according to your reward level


Once you've qualified and your reward level has been determined - you'll be ready to earn back in eBucks.

Reward rates

Earn rules


Know the fine print

You must meet the requirements below to start earning eBucks. If you meet all the requirements, join now and start earning:

Joining made easy


Qualifying criteria

Other ways to apply

Contact your Private Banker

Visit www.eBucks.com