Maximising Your eBucks Rewards: A Monthly Checklist
Looking to get the most out of your eBucks rewards with FNB? Here's a simple, step-by-step guide to ensure you're maximising your benefits each month(credit to Dylan Govender):
(Latest eBucks Products at a 40% discount or for real-time updates follow this Twitter account: EbuckTips)
1. Track Your Rewards
Make it a habit to check your rewards regularly. You can do this by navigating to the 'Track my rewards' tab on the FNB app. Just follow this path: FNB app -> eBucks -> Earn -> Track my rewards. Doing this will earn you 1000 points.
2. Set Up Smart Budget Categories
Ensure you have at least 3 Smart budget categories set up and view your Smart budget each month. This can be done via the FNB app, just head to "Nav-igate life" -> "Nav>>Money" -> "Smart budget". This will earn you 500 points.
You can earn an extra 500 points each month by engaging with My Net Worth or checking your Credit Status.
3. Maintain a Healthy Credit Score
Keep a close eye on your credit score and view your Smart budget every month. Depending on your credit status, you can earn the following points:
- Light green status: 500 points
- Dark green status: 1000 points
4. Maximise Child Accounts or Savings
Link your child to your Family Profile and earn 500 points with an active FNBy transactional account, or earn 1000 points by growing their FNBy savings account:
Premier: R200
Private Clients: R300
Private Wealth: R400
5. Conduct App Transactions
Perform transactions via the FNB app (payments/transfers) and earn 500 points. The number of transactions varies based on your account type:
Premier: 6 transactions
Private Clients: 8 transactions
Private Wealth: 10 transactions
6. Make a Minimum Monthly Deposit or 10 Debit Transactions
Remember to either make a minimum monthly deposit or perform at least 10 debit transactions per month:
Premier: R19500 deposit or 10 transactions for 2000 points
Private Clients: R32500 deposit or 10 transactions for 2500 points
Private Wealth: R60000 deposit or 10 transactions for 3000 points
RMB Private Banking: R32500 deposit or 10 transactions for 3000 points
Accepted debit transactions include ATM cash withdrawals, cardless cash withdrawals, debit card purchases, eWallet and Money Transfers, and others.
7. Use the FNB Pay Bills
Every month, use FNB Pay Bills on the FNB App to pay at least two bills, including utilities, DSTV, and insurance, to earn 1000 points.
8. Real-Time payments
For a minimum of 1000 points, real-time payments (also known as Instant Pay or PayShap) are available.
9. Virtual Card Spend
Spend 80% of your online expenditure on the Virtual Card to earn 2000 points. Use it for 80% of qualifying in-store spend each month for 1000 points.
Selective Action: If you find reaching Level 5 challenging, use the calculator on the website to figure out where you're coming up short and how you might make use of the reminders list to fill in the gaps.
Remember, these are just tips and your strategy should be adapted to fit your specific needs and capabilities. Happy maximising your Ebucks!