Skimmed through this thread now, trying to get ducks in a row for new rules.
It seems the main takeaway to remain on lvl 5 PC, is move all streaming to VCC.
Any other basics that I'm missing?
You can do it, here are the cheaper options (Or what I do) for online/streaming on VCC.
iTunes - iCloud Storage - R15
YouTube - YouTube Premium - R29
Google Play - Buy a Book - R0.10
Mr D Food - Buy dinner at least once a month to feed your family
Here are other options for online/streaming on VCC.
Deezer - Premium - R3.99
Audible - Buy an Audio book - R20
Uber OR Uber Eats - Buy a second dinner for the family
Now you already have 2000 points from online/streaming service. Let's add some more basic tasks
> Do at least 3 FNB Pay transaction using Virtual Card - 1000
> Setup at least 3 Smart budget categories and access your Smart budget every month - 1000
> Maintain a healthy Credit status on nav» Money - 1000
> Do at least 8 financial transactions per month via the FNB App - 2000
> View the 'Track my rewards' tab on the FNB App every month - 500
> Have an FNB Private Clients Credit Card and authorise a monthly auto payment - 1000
> Ensure that your Cash@Till® withdrawals are greater than or equal to your ATM and branch withdrawals - 1000
> Use your FNB Fusion Private Clients Card and/or FNB Private Clients Credit Card for between 75% and 100% of all your qualifying in-store and online spend in a calendar month - 1000
> Have an active linked FNBy transactional account - 1000
> Confirm that you have a spouse or life partner who also has an active FNB Private Clients account. Add them as a spouse under the 'My family' tab on the FNB App or speak to your banker. - 1000
Total = 12,500 Points,
There is your Level 5.