Tips to Boost your eBucks

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I'm on level 1 and need to get to 2 (I qualify in terms of points etc, it just seems my only option is to take another product)...

To move to the next eBucks discount level, you need to:

Apply for an FNB Home Loan, and meet criteria
or
Apply for an FNB Personal Loan, and meet criteria
or
Apply for an FNB Fixed Deposit account, and meet criteria

Now lets say I take the fixed deposit or the personal loan for a small amount. Do I lose the ebucks level benefit when the loan or fixed deposit finishes?

Thanks,
 
Mike Hoxbig said:
How is that possible? Thought there was a monthly cap on eB?
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JStrike said:
With the cheque card, the limit on Shoprite & Checkers is eB10 000.
On your regular purchases it is eB5 000.
Fuel is eB6 250
Electricity is eB1 100
So it is easily possible. You just have to be willing to shop at Shoprite & Checkers :)
Click to expand...
Any idea how much does one need to spend in shoprite & checkers to get eB10 000? Is it something like 6500 Rands?
 
surface said:
Any idea how much does one need to spend in shoprite & checkers to get eB10 000? Is it something like 6500 Rands?
Click to expand...

It depends on your earn rate (What level you are on, which depends on your points). Maximum earn rate is 15% (Level 5)
 
jsheed_sa said:
I'm on level 1 and need to get to 2 (I qualify in terms of points etc, it just seems my only option is to take another product)...

To move to the next eBucks discount level, you need to:

Apply for an FNB Home Loan, and meet criteria
or
Apply for an FNB Personal Loan, and meet criteria
or
Apply for an FNB Fixed Deposit account, and meet criteria

Now lets say I take the fixed deposit or the personal loan for a small amount. Do I lose the ebucks level benefit when the loan or fixed deposit finishes?

Thanks,
Click to expand...

That is not close to being you're only option yet. Easiest way is to spend more. That should get you up to level 3 or 4 depending on your spend
 
The rules are way too complicated...LOL! I'm on level 1 and can't really see how to get to the next level. Is it better to use a credit card than debit card for shopping?
 
JStrike said:
That is not close to being you're only option yet. Easiest way is to spend more. That should get you up to level 3 or 4 depending on your spend
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When I click the how to go up a level thing, that's what it says...
 
jsheed_sa said:
When I click the how to go up a level thing, that's what it says...
Click to expand...

It lies.
Basically your earn rate is dictated by your level. Your level is dictated by your points.
Points are earned by various means. Some are earned by holding certain products, some for certain behaviours, and others by the amount you spend.
There are lots of options - https://www.fnb.co.za/rewards/earn/fnb-cheque-accounts-qualifying-criteria.html

One other thing to remember is that it uses a rolling 12 month average to work out your points level
 
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Am on level 4 on my cheque card. Only realised i can get to the next level by adding a savings pocket account recently. I will need 3 months to get to the required points for level 5. I hope the new rules doesn't change drastically
 
JackWhite said:
Am on level 4 on my cheque card. Only realised i can get to the next level by adding a savings pocket account recently. I will need 3 months to get to the required points for level 5. I hope the new rules doesn't change drastically
Click to expand...

One thing to watch out for is that the interest rate on the Savings Pocket is basically 0%. Don't put too much money into it
 
Billy said:
You have the wrong card then.
Click to expand...

As far as I am aware, that is for all FNB Cheque Accounts.
RMB works differently.

What is the maximum points you can earn with your cheque account for shopping?
 
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To simplify it, this is the minimum what you need to earn level 5 points in a year.

  • There is no loans or credits or overdrafts
  • You only need to spend between R2500 - R5000 on your card a month
  • You don't have to jump through any hoops.


Ebucks level Earnings Per month Per year

Active Savings Pocket with a minimum balance
of R2000 and Bank Your Change facility. 300 3600

Active Tablet, Smartphone or Laptop contract. 300 3600

Active FNB Credit Card 100 1200

Emailed statements 100 1200

Reward level points every month if your Cheque
Account has been open for three years or more. 100 1200

Spend on your cheque card
R2 500.00 - R4 999.99 200 2400

The value of your monthly Cash@Till™ withdrawals
exceeds the value of your monthly ATM withdrawals 300 3600

You have not performed any transactions at branches
in the month (use FNB's electronic channels instead!) 100 1200

You have used your FNB Cheque Card to purchase
goods Online 100 1200


Total Earning Per Month :1600 Per Year: 19200
 
imranpanji said:
To simplify it, this is the minimum what you need to earn level 5 points in a year.

  • There is no loans or credits or overdrafts
  • You only need to spend between R2500 - R5000 on your card a month
  • You don't have to jump through any hoops.


Ebucks level Earnings Per month Per year

Active Savings Pocket with a minimum balance
of R2000 and Bank Your Change facility. 300 3600

Active Tablet, Smartphone or Laptop contract. 300 3600

Active FNB Credit Card 100 1200

Emailed statements 100 1200

Reward level points every month if your Cheque
Account has been open for three years or more. 100 1200

Spend on your cheque card
R2 500.00 - R4 999.99 200 2400

The value of your monthly Cash@Till™ withdrawals
exceeds the value of your monthly ATM withdrawals 300 3600

You have not performed any transactions at branches
in the month (use FNB's electronic channels instead!) 100 1200

You have used your FNB Cheque Card to purchase
goods Online 100 1200


Total Earning Per Month :1600 Per Year: 19200
Click to expand...

Your list included "Active Tablet, Smartphone or Laptop contract" which is a loan.

Without that you have 1300 points a month, which will make you Level 3.

I also miss out on 300 points for the Cash@Till™ because I almost never go to Pick n Pay
 
imranpanji said:
To simplify it, this is the minimum what you need to earn level 5 points in a year.

  • There is no loans or credits or overdrafts
  • You only need to spend between R2500 - R5000 on your card a month
  • You don't have to jump through any hoops.


Ebucks level Earnings Per month Per year

Active Savings Pocket with a minimum balance
of R2000 and Bank Your Change facility. 300 3600

Active Tablet, Smartphone or Laptop contract. 300 3600

Active FNB Credit Card 100 1200

Emailed statements 100 1200

Reward level points every month if your Cheque
Account has been open for three years or more. 100 1200

Spend on your cheque card
R2 500.00 - R4 999.99 200 2400

The value of your monthly Cash@Till™ withdrawals
exceeds the value of your monthly ATM withdrawals 300 3600

You have not performed any transactions at branches
in the month (use FNB's electronic channels instead!) 100 1200

You have used your FNB Cheque Card to purchase
goods Online 100 1200


Total Earning Per Month :1600 Per Year: 19200
Click to expand...

Just having a credit card just for the sake of increasing ebuck points dont make sense. There are annual fees and other admin fees involved with a credit card. Besides the devil will always tempt you when a credit card is involved.
 
imranpanji said:
To simplify it, this is the minimum what you need to earn level 5 points in a year.

  • There is no loans or credits or overdrafts
  • You only need to spend between R2500 - R5000 on your card a month
  • You don't have to jump through any hoops.


Ebucks level Earnings Per month Per year

Active Savings Pocket with a minimum balance
of R2000 and Bank Your Change facility. 300 3600

Active Tablet, Smartphone or Laptop contract. 300 3600

Active FNB Credit Card 100 1200

Emailed statements 100 1200

Reward level points every month if your Cheque
Account has been open for three years or more. 100 1200

Spend on your cheque card
R2 500.00 - R4 999.99 200 2400

The value of your monthly Cash@Till™ withdrawals
exceeds the value of your monthly ATM withdrawals 300 3600

You have not performed any transactions at branches
in the month (use FNB's electronic channels instead!) 100 1200

You have used your FNB Cheque Card to purchase
goods Online 100 1200


Total Earning Per Month :1600 Per Year: 19200
Click to expand...

Such a minimum balance is also a luxury that few could afford. It would benefit most people to rather keep the R2000 on your bond or your car finance as extra payment and your interest savings could far exceed your ebuck gains depending on the capital balance and term/month of your loan offcourse.
 
JStrike said:
Your list included "Active Tablet, Smartphone or Laptop contract" which is a loan.

Without that you have 1300 points a month, which will make you Level 3.

I also miss out on 300 points for the Cash@Till™ because I almost never go to Pick n Pay
Click to expand...

Cash at Till also available at Checkers/Shoprite.
 
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