FNB Account Package Finder

See which FNB package earns the most eBucks at Reward Level 5. Compare Premier, Private Clients and Private Wealth.

FNB Account Package Finder

FNB Account Package Finder — Compare eBucks Rewards

Compare FNB Premier, Private Clients and Private Wealth eBucks earnings at Reward Level 5. Enter your monthly spending at Pick n Pay, Spar, Engen, and Clicks to find which FNB account gives you the best net value after monthly fees.

How eBucks rewards are calculated

This calculator uses the official FNB eBucks earn rules for 1 July 2025 to 30 June 2026. All figures assume Reward Level 5 with FNB Virtual Card usage. Earn rates include: Pick n Pay in-store (20% back), Pick n Pay asap! delivery (30% back), Spar (15% back for Private Clients and Private Wealth), Engen fuel (R4 to R8 per litre depending on WesBank Vehicle Finance and FNB Car Insurance), Clicks (15% back), and Smart Spend on general card purchases. All grocery caps and fuel spend caps are applied correctly.

FNB account packages compared

Premier (R250/month), Private Clients (R455/month), and Private Wealth (R625/month) are compared side by side. The Aspire account is excluded as its earn rates are substantially lower.

eBucks Reward Level 5

Results are shown at eBucks Reward Level 5, which unlocks the highest earn rates. Level 5 requires meeting FNB's monthly qualifying criteria including minimum deposits and product engagement.

FNB Account Package Finder

See which FNB package earns the most eBucks at Reward Level 5

Step 1 of 4

How it works

Enter your monthly spend at each eBucks partner. We calculate your estimated monthly eBucks at Reward Level 5 across three FNB packages and show which offers the best net value after fees.

Results assume Reward Level 5 with your FNB Virtual Card for all qualifying purchases.

📋 Packages compared: Premier · Private Clients · Private Wealth
Aspire excluded — its earn rates are substantially lower.

Groceries & health

Pick n Pay — in-store

20% back at Level 5 (virtual card required)

Please enter 0 or a positive amount

Pick n Pay — asap! delivery

30% back at Level 5

Please enter 0 or a positive amount

Spar

15% back (Private Clients & Private Wealth only — Premier does not earn at Spar)

Please enter 0 or a positive amount

Clicks

15% back at Level 5 (virtual card required)

Please enter 0 or a positive amount

Pick n Pay Clothing

20% back at Level 5. Separate cap — not part of the grocery pool. Cap: R1,000 (Premier) · R2,000 (Private Clients) · R3,000 (Private Wealth).

Please enter 0 or a positive amount

Fuel

Engen fuel spend per month

Earns R4–R6/litre at Level 5 depending on your products (next step). Assumes ~R24/litre average fuel price.

Please enter 0 or a positive amount

Card spend

Total monthly card spend (all purchases combined)

Drives your Smart Spend tier reward and the Premier Engen 20%-of-spend cap. Include all purchases above plus any other card transactions.

Please enter 0 or a positive amount

These FNB products increase your Engen earn rate at Level 5.

WesBank Vehicle Finance +R2/litre at Engen (vehicle must be loaded on nav» Car)

FNB Short Term Comprehensive Car Insurance +R2/litre at Engen (capped at 30% of your monthly premium)

Monthly car insurance premium

The R2/litre Engen earn is capped at 30% of this amount. E.g. R1,500 premium → max R450/month from insurance component.

Please enter 0 or a positive amount

Your Engen earn rate: R4/litre · Base R4 · +R2 WesBank · +R2 Car Insurance · max R8/litre

Assumptions & disclaimer — 2026-04-final-v9

All calculations assume eBucks Reward Level 5 with Virtual Card usage.
PnP in-store: 20% back. PnP asap!: 30% back (all packages). Grocery eBucks are capped by a shared pool: Premier = lesser of 20% of total card spend or R3,000 total grocery spend; Private Clients = 20% or R6,000; Private Wealth = 20% or R10,000. The grocery spend cap = the lesser of 20% of your total monthly qualifying card spend OR the fixed package maximum (R3,000 Premier · R6,000 Private Clients · R10,000 Private Wealth). The fixed cap is the ceiling — 20% can only reduce it. Cap applied in priority order: PnP in-store first, then Spar, then PnP asap!.
Spar: 15% back (Private Clients & Private Wealth only). Premier customers do not earn eBucks at Spar.
Clicks: 15% back (all packages). Cap = lesser of 20% of total monthly qualifying card spend or R2,000 (Premier) · R2,500 (Private Clients) · R3,000 (Private Wealth).
Pick n Pay Clothing: 20% back (all packages). Fixed spend cap only — R1,000 (Premier) · R2,000 (Private Clients) · R3,000 (Private Wealth). Not subject to the 20% rule. Separate from the grocery pool.
Engen base: R4/litre (virtual card, Level 5). WesBank Vehicle Finance (or Toyota Financial Services) adds +R2/litre. FNB Short Term Comprehensive Car Insurance adds +R2/litre, separately capped at 30% of the monthly insurance premium. Maximum rate: R8/litre. Engen overall cap: lesser of 20% of total card spend or the package fixed cap — Premier R2,000/month, Private Clients R2,500/month, Private Wealth R3,000/month. Average fuel price assumed: R24/litre.
Smart Spend (general card spend): tiered table from official FNB earn rules. Max R600/month (Premier), R1,500 (Private Clients), R3,000 (Private Wealth) at Level 5.
Monthly fees: Premier R250 · Private Clients R455 · Private Wealth R625.
Source: FNB eBucks official earn guides 1 July 2025–30 June 2026.
This tool is a simplified estimate. Verify with FNB before making account decisions.

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