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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
Mon - Fri 08h00 - 18h00
Sat 08h00 - 16h00
Sun + public holidays 09h00 - 13h00
Good Friday Closed
Christmas Day Closed
New Year's Day Closed

Qualifying requirements


Before you can start earning eBucks, you must first meet the qualifying requirements.
To get going, you must:
Have a monthly deposit of at least R5 500 into an FNB Gold Cheque Account, FNB Fusion Gold Account or FNB Islamic Gold Cheque Account OR R3 500 into an FNB Gold Graduate Account, FNB Encore Gold Cheque Account or FNB Gold Spousal Account.
OR
Have average deposits over six months of at least R5 500 into an FNB Gold Cheque Account, FNB Fusion Gold Account or FNB Islamic Gold Cheque Account OR R3 500 into an FNB Gold Graduate Account or FNB Gold Spousal Account
OR
Maintain a minimum balance of at least R10 000 into an FNB Encore Gold Cheque Account or at least R20 000 in an FNB Savings Account for the whole month.

Make sure that ALL your FirstRand Bank accounts are active and in good standing. Log in to any one of FNB's electronic banking channels at least once a month using your own banking profile. FNB's electronic banking channels are:

FNB Banking App
Online Banking
Cellphone Banking

Things to remember:

  1. These requirements may change from time to time. We'll let you know when they do.
  2. If you stop meeting any one of these requirements at any time, you won't qualify for eBucks Rewards.
  3. 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.
  4. An account that's in good standing means it isn'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). This applies to all First Rand Bank accounts, including but not limited to FNB, Ashburton and WesBank accounts.

Reward level groups


Reward level group Reward level requirements
Digital Banking Do at least two payments, transfers and/or purchases per month via the FNB Banking App
OR
Have a monthly spend of at least R200 on your FNB Connect SIM card, excluding any device premiums

My Cheque Account Make sure that the total value of your card purchases and Cash@Till® withdrawals is greater than the value of all your cash withdrawals at ATMs and FNB branches during the month.
OR
Have at least three monthly debit orders going off from your FNB Gold Cheque Account or FNB Fusion Gold Account during the month.

My Cards Have qualifying spend of at least R3000 during the month, on your FNB Gold Credit Card or FNB Fusion Gold Account.
OR
Have qualifying online spend of at least R1000 during the month on your FNB Gold Credit Card or FNB Fusion Gold Account.

Save Have an FNB Savings Account with a balance that grows by at least R500 per month (interest excluded).
This excludes FNB Tax-Free Cash Deposit Accounts, FNB Equity Trading Accounts, FNB Notice Deposit Accounts, FNB Fixed Deposit Accounts, Money Maximiser Accounts and FNB Money on-call Accounts. 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).
OR
Maintain a monthly balance of at least R7 500 across your FNB Savings Account(s).
* Monthly contributions must be made via Scheduled Transfer or Debit Order.
This excludes FNB Tax-Free Cash Deposit Accounts, FNB Equity Trading Accounts, FNB Notice Deposit Accounts, FNB Fixed Deposit Accounts, Money Maximiser Accounts and FNB Money on-call Accounts.
Invest Make a monthly payment of at least R1 500 into an FNB Horizon Series Retirement Annuity.
OR
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.
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.
OR
Have an FNB Fixed Deposit Account with a fixed term of at least 12 months and maintain a monthly balance of at least R120 000 in the account (only applicable for FNB Gold Encore Cheque account holders).

Borrow* Have an Overdraft facility on your FNB Gold Cheque Account or a Credit Facility on your FNB Fusion Gold Account and use at least R1 000 of the facility each month
OR
Use an average of between 40% and 100% of your Revolving Loan during the month.
OR
Have an FNB Personal Loan or FNB Student Loan to the value of at least R20 000, which you repay via a monthly debit order from your FNB Gold Cheque Account or FNB Fusion Gold Account each month.

Home and car Have an FNB Home Loan, FNB Smart Bond or One Account and use an average of between 70% and 100% of the Loan, Bond or Facility during the month.
Usage is calculated using the outstanding and available balances i.e. Usage = Outstanding balance / (outstanding balance + available balance)
Excludes home loan accounts where customers have access to funds up to the Principal Debt Amount

OR
Have an active FNB Vehicle Finance or WesBank Account.
AND
Have your vehicle loaded on nav» Car.
AND
Make your monthly Vehicle Finance repayment with a debit order set up from your FNB Gold Cheque Account or FNB Fusion Gold Account.
VW, Audi and TFS Accounts won't qualify for this requirement. 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.

Insurance Have an FNB Funeral Plan with at least two lives assured.
AND
Have total minimum cover of R50 000 across all lives assured.
AND
Have a beneficiary listed on the Plan.
AND
Pay your monthly premiums from your FNB Gold Cheque Account or FNB Fusion Gold Account.
Children will not count towards the required lives insured and total cover amount.
Only Funeral products where FirstRand Life Assurance is the insurer are eligible for eBucks
OR
Have an FNB Life Insurance Policy with minimum combined cover of R400 000
AND
Have a beneficiary with an ID and contact number listed for your Policy.
AND
Pay your monthly premiums from your FNB Gold Cheque Account or FNB Fusion Gold Account.
OR
Have an FNB Accidental Death Plan with total minimum cover of R400 000.
AND
Have a beneficiary listed on your Plan.
AND
Pay your monthly premiums from your FNB Gold Cheque Account or FNB Fusion Gold Account.
Qualifying FNB Life Insurance Policies include Life Cover, Critical Illness Cover, Disability Cover and Debt-Linked Cover. All qualifying policies will count towards the minimum cover amount.
Only Life Insurance and Accidental Death products where FirstRand Life Assurance is the insurer are eligible for eBucks


* Qualifying FNB Islamic Banking customers will automatically get the benefit of moving up a reward level for the Borrow reward level group as these customers aren't eligible for Overdrafts. Only Life/Accidental Death products where FirstRand Life Assurance is the insurer are eligible for eBucks.

While there are eight different reward level groups, each giving you unique opportunities to level up, reward level 5 is still the highest level that can be reached.

Keep in mind that you can meet more than one requirement from any of the groups, but requirements from the same group will be counted towards a single reward level.

If you stop meeting any of the requirements in the above table at any time, you might stop earning eBucks for that period or earn fewer eBucks as a result of dropping a reward level.

Remember: Your reward level also determines the percentage discount that you qualify for. For more information on discounts, click here.

Use your cheque account


Have one of the following:

  • An FNB Gold Cheque, FNB Gold One Account or an FNB Islamic Gold Cheque Account with a minimum monthly deposit of R5 500
  • An FNB Gold Graduate Account with a minimum monthly deposit of R3 500
  • An FNB Encore Gold Cheque Account with a minimum monthly deposit of R2 000

Use your FNB Credit Card


Use your savings account


Have one or more of the following:

  • An FNB Linked Savings Account and maintain a monthly balance of at least R5 000 in the account
  • An FNB Savings and Investment Account - with quick access to your money - and maintain a monthly balance of at least R10 000 in the account
  • An FNB Savings and Investment Account - with access to your money after placing notice - and maintain a monthly balance of at least R10 000 in the account
  • An FNB Savings and Investment Account - with access to your money after a fixed period - and maintain a monthly balance of at least R10 000 in the account

Use your investment account


Have an FNB Share Investor Account with a portfolio holding of at least R10 000.

Use Connect


Use the FNB Banking App


Complete at least one financial transaction* a month using the FNB Banking App.

* Qualifying financial transactions include payments, transfers and purchases, but exclude debit orders, deposits and viewing accounts.

Make use of Insurance Products


Have one or more of the following:

  • An FNB Funeral Policy with cover of at least R10 000
  • An FNB Law on Call Policy
  • An FNB Life policy

Qualifying FNB Life products are: Life Cover, Debt-linked Cover, Disability Cover and Critical Illness Cover.

Make use of asset finance


Have one or more of the following:

  • A Revolving Loan with an outstanding balance of R1 000 or more
  • A Personal Loan of R1 000 or more
  • An Overdraft of at least R1 000 of which you have used 20% or more

* Qualifying FNB Islamic Banking customers will automatically get the benefit of moving up a reward level for the FNB Loans product group as these customers are not eligible for the following FNB Credit products: Overdraft, Revolving Loan or Personal Loan.

Make use of FNB loans*


Have one or more of the following:

  • An FNB Home Loan with an outstanding balance of at least R50 000
  • An FNB Smart Bond with an outstanding balance of at least R50 000
  • FNB Vehicle Finance with an outstanding balance of at least R20 000

* Qualifying FNB Islamic Banking customers will automatically get the benefit of moving up a reward level for the FNB Loans product group as these customers are not eligible for the following FNB Credit products: Overdraft, Revolving Loan or Personal Loan.

More


Although there are eight product groups that will allow you to move up a reward level, there are only five reward levels. Keep in mind that 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.

If you stop meeting any of the product requirements in the above table at any time, you won't earn eBucks for that period.

Remember: Your reward level also determines the percentage discount that you qualify for.

View more information on discounts.

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.

Reward rates

Your reward level 1 2 3 4 5
In-store shopping: Fusion Card/Credit Card 0.3% 0.5% 0.7% 1.0% 1.5%
In-store shopping: Cheque Card 0.2% 0.2% 0.2% 0.2% 0.2%
Online shopping: Fusion Card/Credit Card 0.3% 0.5% 0.7% 1.0% 1.5%
Online shopping: Cheque Card 0.2% 0.2% 0.2% 0.2% 0.2%
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 1% 2.5% 5% 7.5% 15%
FNB Forex 5% 10% 20% 30% 50%
FNB Life Cover 1% 2.5% 5% 7.5% 15%

*Fuel earn is based on the inland ULP 95 petrol price. Only fuel purchases made at Engen will qualify for earn. 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 Gold Cheque Card or FNB Gold Credit Card.

Determining your reward level


Your reward level is calculated around the 8th of each month and is based on the total number of qualifying products you held from the different product groups in the previous month. Every product group represents a reward level.

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.

Credit card purchase limits


The amount on which you earn eBucks is limited to a monthly rand spend of R15 000 on your qualifying FNB Gold Credit Card.

Checkers & Shoprite spend limits


The amount on which you earn eBucks is limited to a total monthly rand spend of R4 000 on qualifying Checkers & Shoprite purchases only.

Fuel and Uber spend limits and rules


  • The amount on which you earn eBucks is limited to a total monthly rand spend of R4 000 on qualifying fuel purchases and Uber rides only.
  • 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 Gold Petro Card linked to an FNB Credit Card will qualify to earn eBucks when filling up at any fuel station.
  • You only earn eBucks on Uber rides taken domestically.

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


  • 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 purchases (including fixed LTE contracts/purchases) only.
  • eBucks will not be earned on any device premiums linked to your contract(s).
  • You earn eBucks on FNB Connect prepaid purchases bought via FNB's electronic banking channels:
    • FNB Banking App - you must have a compatible smartphone or tablet to use this. Download the app from your app store.
    • Online Banking
    • Cellphone Banking - dial *130*321#. Standard network rates apply.

*Standard network rates apply.

FNB Life Cover rules


  • The monthly premiums on your qualifying FNB Simplified or Customised Life Cover must be paid on time from a Gold Cheque 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

FNB Forex rules


  • The eBucks you earn will be paid in the month after the transaction was made.
  • All FNB Forex transactions must be made 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.

Earn rules


Qualifying purchases

  • Qualifying purchases (i.e. purchases on which you earn eBucks) exclude Cash@Till™, transfers, EFTs, debit orders, inter-account transfers, cash withdrawals, travellers' cheques, foreign exchange transactions and casino gambling transactions.
  • Qualifying purchases include in-store and online shopping purchases as well as Engen fuel purchases made using your FNB Fusion Gold Card, FNB Gold Credit and/or FNB Gold Cheque Card.
  • You don't earn eBucks on joint accounts or on FNB Money Market Transactor Accounts.

Credit and Cheque Card purchase limits

  • The amount on which you earn eBucks is limited to a monthly qualifying rand spend of R7 500 on your FNB Fusion Gold Card, FNB Gold Credit Card and FNB Gold Cheque Card.
  • Note: Your FNB Fusion Gold Card/FNB Gold Credit Card qualifying spend is considered first towards the spend limit.

Checkers & Shoprite spend limits

  • The amount on which you earn eBucks is limited to 20% of your total monthly qualifying FNB Fusion Gold Card, FNB Gold Credit and/or FNB Gold Cheque Card spend (on qualifying Checkers & Shoprite purchases only) or a total rand spend of R1 750 per month, whichever occurs first.
  • You won't earn eBucks on purchases made at MediRite Pharmacies, Money Market counters, Computicket, Computicket Travel and Cash@Till™.
  • Even if you haven't yet met the qualifying requirements, you can still earn 0.5% back in eBucks on in-store purchases made at Checkers & Shoprite using your FNB Fusion Gold Card, FNB Gold Credit and/or FNB Gold Cheque Card.

Engen spend limits and rules

  • 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 Gold Card, FNB Gold Credit Card and/or FNB Gold Cheque Card spend, or a total rand spend (on Engen fuel) of R1 500 (whichever occurs first).
  • You can fill up at any Engen fuel station, but you must pay for your Engen fuel at the Engen forecourt - you won't earn eBucks if you pay for Engen fuel at the Quickshop at the Engen fuel station.
  • Note: You'll not earn eBucks on Engen fuel spend above the R1 500 spend limit made using your FNB Fusion Gold Card, FNB Gold Cheque Card and/or FNB Gold Credit Card. Your FNB Fusion Gold Card/FNB Gold Credit Card spend is considered first towards the spend limit.

Transport: Uber spend limits and rules

  • The amount on which you earn eBucks is limited to 20% of your total monthly qualifying FNB Fusion Gold Card, FNB Gold Credit Card or FNB Gold Cheque Card spend,on domestic Uber rides (ie: Uber rides taken within South Africa only) or R750, whichever occurs first

FNB Connect contracts and prepaid airtime spend limits and rules

  • eBucks won't be earned on any device premiums linked to your contract(s).
  • 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 purchases only.
  • You earn eBucks on FNB Connect prepaid purchases bought via FNB's electronic banking channels :
    • FNB Banking App - you must have a compatible smartphone or tablet to use this. Download the app from your app store.
    • Online Banking
    • Cellphone Banking - dial *130*321#.

FNB Life

  • The amount on which you earn eBucks is limited to a total monthly rand spend of R7 000.
  • The monthly premiums on your qualifying FNB Life Insurance, Funeral Plan and/or Accidental Death Plan must be paid on time from your FNB Fusion Gold Card or FNB Gold Cheque Account. 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').
  • The percentage earned back in eBucks is calculated based on the sum total of monthly premiums for all your qualifying FNB Life policies (including Life Insurance, Critical Illness Cover, Disability Cover, Debt-Linked Cover, Income Protection Cover, Funeral Plan and Accidental Death Plan).
  • You won't earn eBucks on premiums for the following cover types: Law on Call, Lifestyle Protection, Pay Protect, Smart Embedded, Smart Cover, Hospital/Health Cash Cover and all types of Credit Life Cover.
  • 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.

FNB Forex rules

  • The eBucks you earn will be paid in the month after the FNB Forex transaction was made.
  • You 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 made 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 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.

Earn eBucks


Quick overview

Remember: eB10 = R1

Follow these three steps to earn eBucks

1. Qualify

You'll need to meet the qualifying requirement that are specific to you FNB Gold Account(s).



2. Move up a reward level

Once you've qualified, you can start moving up the reward levels. There are seven reward level groups. For each requirement you meet from a different reward level group, you'll move up a reward level.



3. Earn

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



Earn eBucks


Qualifying requirements

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

 

Move up a reward level


Do more + collect more

After you've qualified, you can start moving up the reward levels.

There are five reward levels. It's easy to move up the reward levels and earn more eBucks: for each requirement you meet from a different reward level group, you'll move up a reward level.

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

Remember: You only need to meet one requirement from each reward level group to move up a reward level.

 

Earn eBucks according to your reward level


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

 

Earn rules


Know the fine print

 

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