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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

Earn rules

Determining your reward level

Your reward level is calculated around the 8th each month, based on the number of reward level points you've collected from RMB Private Bank in the previous month.

Qualifying spend

Qualifying spend (i.e. spend on which you earn eBucks) excludes Cash@Till™, transfers, EFTs, debit orders, cash withdrawals, travellers' cheques, foreign exchange transactions and casino gambling transactions.
You don't earn eBucks on FNB Money Market Transactor Accounts.

Shopping

Shopping spend limits apply irrespective of whether you shop domestically or internationally.

In-store shopping

The amount on which you earn eBucks is limited to a total monthly rand spend (on qualifying card swipes only) of R30 000 on your qualifying RMB Private Bank Fusion Card, RMB Private Bank Credit Card and/or RMB Private Bank Cheque Card. Thereafter, you'll earn eBucks on in-store shopping purchases made using your RMB Private Bank Fusion Card or RMB Private Bank Credit Card at a flat rate of 0.5%.
You won't earn eBucks on in-store shopping purchases above the R30 000 spend limit made using your RMB Private Bank Cheque Card.
Your RMB Private Bank Fusion Card/RMB Private Bank Credit Card spend is considered first towards the spend limit.

Online shopping

The amount on which you earn eBucks at your online shopping reward rate is limited to a total monthly rand spend (on qualifying online spend only) of R7 500 on your qualifying RMB Fusion Private Bank Card, RMB Private Bank Credit Card and/or RMB Private Bank Cheque Card. Thereafter, you'll earn eBucks on online purchases made using your RMB Private Bank Fusion Card or RMB Private Bank Credit Card at a flat rate of 0.5%.
You won't earn eBucks on online purchases above the R7 500 spend limit made using your RMB Private Bank Cheque Card.
Your RMB Private Bank Fusion Card/RMB Private Bank Credit Card/ spend is considered first towards the spend limit.

Checkers & Shoprite

The amount on which you earn eBucks is limited to 20% of your total monthly qualifying RMB Private Bank Fusion Card, RMB Private Bank Credit Card and/or RMB Private Bank Cheque Card spend or a total rand spend (on qualifying card swipes only) of R10 000 per month, whichever occurs first.
Thereafter, you'll earn eBucks on purchases made using your RMB Private Bank Fusion Card or RMB Private Bank Credit Card at a flat rate of 0.5%.
Your RMB Private Bank Fusion Card/RMB Private Bank Credit Card spend is considered first towards the spend limit.

If you haven't yet met the qualifying requirements, you'll earn 0.5% back in eBucks on in-store purchases made at Checkers & Shoprite using your RMB Private Bank Fusion Card, RMB Private Bank Credit Card or RMB Private Bank Cheque Card.

You won't earn eBucks on purchases made at MediRite Pharmacies, Money Markets, Computicket, Computicket-Travel and cash at till withdrawals.

Engen

Earn up to R4/litre back in eBucks on 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 RMB Private Bank Fusion Card, RMB Private Bank Credit Card and/or RMB Private Bank Cheque Card spend or a total rand spend (on Engen fuel) of R3 000 per month, whichever occurs first.
You can fill up at any domestic Engen fuel station, but you must pay for your Engen fuel on the Engen forecourt. You won't earn eBucks if you pay for Engen fuel at the Quickshop at the Engen fuel station.
An RMB Private Bank Linked Petro Card will qualify to earn eBucks when you fill up at any Engen fuel station.
Note: You'll not earn eBucks on Engen fuel spend above the R3 000 spend limit made using your RMB Private Bank Fusion Card, RMB Private Bank Cheque Card/ RMB Private Bank Credit Card.

Transport: Uber & Gautrain

The amount on which you earn eBucks is limited to 20% of your total monthly qualifying RMB Private Bank Fusion Card, RMB Private Bank Credit Card and/or RMB Private Bank Cheque Card spend or a total rand spend (on Uber rides and Gautrain) of R2 000 per month, whichever occurs first.
You only earn eBucks on Uber rides taken domestically.
Note: You'll not earn eBucks on Uber and Gautrain spend above the R2 000 spend limit made using your RMB Private Bank Fusion card, RMB Private Bank Credit Card, and your RMB Private Bank Cheque Card

FNB Connect contracts and prepaid airtime

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 spend only and excludes any device premiums linked to your contract.

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 Policy, Funeral Plan and/or Accidental Death Plan must be paid on time from an RMB Private Bank Fusion Account or RMB Private Bank 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 assured and/or beneficiaries named in the policy won't earn eBucks.

Smart Devices

The amount on which you earn eBucks is limited to a combined total monthly rand spend (on qualifying Smart Device contracts only) of R500.
Qualifying Smart Devices are limited to laptops, tablets and smartphones.
Only applicable to qualifying Smart Device contracts taken out on or before 30 June 2018

FNB Forex

The eBucks you'll earn will be paid in the month after the transaction was done.
You'll 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 done via the RMB Private Bank App or RMB Private Bank Online Banking, 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're transacting on a special discount or pensioner pricing.

Things to remember:

Ensure that ALL your FirstRand Bank accounts are in good standing. This means your accounts aren'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). FirstRand Bank accounts include but are not limited to FNB, WesBank, RMB Private Bank and Ashburton accounts.
Qualifying financial transactions include payments, transfers and purchases, but exclude debit orders, inter-account transfers, deposits and the viewing of accounts.
Card spend excludes Cash@Till™, EFTs and Transfers.
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.

QUALIFYING CRITERIA

How to qualify

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 R60 000 into an RMB Private Bank Fusion Account, RMB Private Bank Cheque Account or an RMB Private Bank Single Facility.
  OR
- Have a monthly deposit* of at least R5 500 into an RMB Private Bank Cheque Account for Spouses.
  OR
- Have average deposits over six months of at least R60 000 into an RMB Private Bank Fusion Account, RMB Private Bank Cheque Account or an RMB Private Bank Single Facility.
  OR
- Have average deposits* over six months of at least R5 500 into RMB Private Bank Cheque Account for Spouses
  OR
- Have a monthly balance of at least R100 000 in an RMB Private Bank Fusion Account, RMB Private Bank Cheque Account, RMB Private Bank Single Facility or an RMB Private Bank Cheque Account for Spouses *For the purposes of meeting the minimum deposit qualification criteria, "deposit" means the payment of your salary, income or drawings (where you are self-employed) into your qualifying FNB/RMB Private Bank Account and specifically excludes any payments or transfers from a credit product.
Ensure that ALL of your FirstRand Bank accounts are in good standing
Log in to the RMB Private Bank App at least once a month using your own banking profile* if you're under the age of 60.

You now qualify to earn eBucks, up to reward level 2, even if you're under 60 and don't transact on the RMB Private Bank App. Simply meet the following requirements:

The deposit/balance rule
The good standing rule
You transact via Online Banking (instead of logging on to the App)

*You're exempt from this rule if you're over the age of 60.

Note:
If you only have an RMB Private Bank Credit Card, you'll qualify to earn eBucks on reward level 1 only, as long as you spend at least R10 000 per month or R30 000 over three months on your RMB Private Bank Credit Card, log in to the RMB Private Bank App at least once a month and ensure that all your accounts are in good standing.

How to get rewarded

How to collect points	Points per month
Digital banking
Do at least four payments, transfers and/or purchases per month via the RMB Private Bank App	2 000
Have at least six-monthly debit orders on your RMB Private Bank Fusion Account or RMB Private Bank Cheque Account	1 000
Have a monthly spend on your FNB Connect SIM card, excluding any device premiums, of: Between R350 and R599.99 Between R600 and R949.99 R950 or more	500 1 000 1 500
My cards
Have an RMB Private Bank Fusion Account	1 000
Have qualifying spend on your RMB Private Bank Fusion Card or RMB Private Bank Credit Card in a calendar month for: Between R7 500 and R14 999 Between R15 000 and R29 999 Between R30 000 and R74 999 R75 000 or more	500 1 000 1 500 2 000
Have qualifying online or international spend on your RMB Private Bank Fusion Card, RMB Private Bank Credit Card or RMB Private Bank Cheque Card to shop online and/or swipe internationally for: Between R1 500 and R3 999 per month Between R4 000 and R7 999 per month Between R8 000 and R12 499 per month R12 500 or more per month	500 1 000 1 500 2 000
Have qualifying spend on your RMB Private Bank Fusion Card and/or RMB Private Bank Credit Card in-store and online for: Between 50% and 74.9% of your total monthly spend Between 75% and 99.9% of your total monthly spend 100% of your total monthly spend	1 000 2 000 3 000
Save
Have an FNB Savings and Investment Account(s) with a balance that grows by at least R5 000 per month (excluding interest) Excludes FNB Tax-Free Cash Deposit and FNB Equity Trading Accounts growth 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).	500
Have an FNB Fixed Deposit Account with a fixed term of at least six months and maintain a monthly balance of at least R125 000 in the account	2 000
Maintain a monthly balance in your RMB Private Bank Fusion Account or RMB Private Bank Cheque Account of: Between R50 000 and R74 999 R75 000 and R119 999 R120 000 or more	1 500 2 000 3 000
Have at least one FNB Savings and Investment Account and maintain a monthly balance across your FNB Savings and Investment Account(s) of: Between R125 000 and R174 999 Between R175 000 and R399 999 R400 000 or more Excludes FNB Tax-Free Cash Deposit Accounts and FNB Equity Trading Accounts	1 000 1 500 2 000
Invest
Make a single monthly contribution of at least R3 500 into an FNB Horizon Series Unit Trust within the following product: Horizon Series include: Endowment, Retirement Annuity, Living Annuity, Preservation Fund, Provident Fund and Investment Account Excludes FNB Tax-Free Cash Deposit Accounts and FNB Equity Trading Accounts Growth.	1 000
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: R2 750 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	500 1 000
Have a mandate with FNB Share Builder, FNB Share Investor or self-managed stockbroking FNB Securities account and maintain a trade value in listed shares of at least: R60 000 in the previous month or R180 000 over the last three months R150 000 in the previous month or R450 000 over the last three months This rule applies to FNB Securities local and global trader accounts. Self-managed stockbroking mandates apply to individual clients only and exclude FSPs (including IFA and 3rd party clients of Ashburton and FNB Securities). Trade volume is based on consideration, namely net of fees (excludes all CIS, corporate actions, journal, fee and zero brokerage transactions). All offshore investments, offshore holdings and offshore trusts are excluded from earning points under this category. Offshore Trade made on GTP is included.	2 500 3 500
Borrow*
Have a Credit Facility on your RMB Private Bank Fusion Account or an Overdraft Limit on your RMB Private Bank Cheque Account of at least R30 000 and use at least R1 000 of your Credit Facility or Overdraft limit per month You won't collect these points if your Fusion Account Credit Facility or Cheque Account Overdraft limit isn't used for at least 24hrs of a business day or if your account doesn't stay in a positive balance for at least 24hrs.	2 000
Have an FNB Revolving Loan with a credit limit of at least R45 000 of which you've used an average of between 40% and 100% of during the month	1 500
Have an FNB Personal Loan or Student Loan of at least R80 000, which you repay via a monthly debit order from your RMB Private Bank Fusion Account or RMB Private Bank Cheque Account	3 000
Home and car
Have an FNB Home Loan, FNB One Account, RMB Private Bank Single Facility or RMB Private Bank Structure Loan and use between: 70% to 79.9% of the Loan or Facility during the month 80% to 89.9% of the Loan or Facility during the month 90% to 100% of the Loan or Facility during the month Home Loan/ and Structured Loan usage is calculated using the outstanding and available balances at month end i.e. Usage = outstanding balance / (outstanding balance + available balance) Single Facility and One Account usage is calculated using the average outstanding and average available balances during the month i.e. Usage = average outstanding balance / (average outstanding balance + average available balance) Excludes home loan accounts where customers have access to funds up to the Principal Debt Amount	3 500 4 000 2 000
Use the Revolving Facility on your Single Facility	1 000
Have an active 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 RMB Private Bank Fusion Account or RMB Private Bank Cheque Account nav» Car can be accessed on the RMB Private Banking App - simply click on the ""nav» Car"" icon on the App home page and log in when prompted. VW, Audi and TFS Accounts won't qualify for this requirement."	1 000
Insurance
Have an FNB Life Insurance Policywith a minimum combined cover of R1 000 000 AND Have a beneficiary with an ID and contact number for your Policy AND Pay your monthly premiums from your RMB Private Bank Fusion Account or RMB Private Bank Cheque 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 products where FirstRand Life Assurance is the insurer are eligible for eBucks.	1 500
Have an FNB Life Insurance Policy with Life Cover and at least two additional types of cover AND Pay your monthly premiums from your RMB Private Bank Fusion Account or RMB Private Bank Cheque Account Additional cover types include Critical Illness Cover, Disability Cover and Debt-Linked Cover and Income Protection Cover. Only Life Insurance products where FirstRand Life Assurance is the insurer are eligible for eBucks.	500
Have an FNB Funeral Plan with at least two lives insured AND Have total cover of at least R100 000 across all the lives insured AND Have a beneficiary listed on your Plan AND Pay your monthly premiums from your RMB Private Bank Fusion Account or RMB Private Bank Cheque Account Children will not count towards the required two lives insured. Only Funeral products where FirstRand Life Assurance is the insurer are eligible for eBucks	500
Have an FNB Accidental Death Plan with total minimum cover of R1 000 000 AND Have a beneficiary listed on your Plan AND Pay your monthly premiums from your or RMB Private Bank Fusion Account or RMB Private Bank Cheque Account Only Accidental Death products where FirstRand Life Assurance is the insurer are eligible for eBucks.	500
Wealth management and offshore banking
Maintain a minimum monthly balance over a rolling 3 month period in your FNB Horizon Series Unit Trust of: R400 000 R1 million Exclude Tax Free products	1 000 2 000
Meet the rule above and invest under the following wrappers Endowment, Retirement Annuity, Living Annuity, Preservation Fund and Provident Fund	500
Have an FNB Global Account and maintain a minimum monthly balance of either: 3 500 Australian dollars, euros, British pounds, Canadian dollars or US dollars OR 25 000 United Arab Emirates Dirham OR 250 000 Indian rupees	2 000
Fund your FNB Global Account(s) from your RMB Private Bank Fusion/RMB Private Bank Cheque Account to the value of R12 000 over the last 3 months	1 000
Have an FNB Channel Islands Current Account and maintain a minimum monthly balance of 5 000 British pounds	4 000
Have an FNB Channel Islands Fixed Deposit Account and maintain a monthly balance of: Between 10 000 and 24 999 euros, British pounds or US dollars 25 000 or more euros, British pounds or US dollars	3 000 5 000
Have an FNB Channel Islands Call or FNB 32 Day Notice Account and maintain a minimum monthly balance of 5 000 euros, British pounds or US dollars	1 500
Maintain a portfolio value in a managed/managed bespoke/wealth discretionary mandate with FNB of: Between R3.5 million and R9 999 999 R10 million or more	3 000 6 000
Family
Draft a will with FNB as your executor and have your signed will with a signature date no older than five years kept in RMB Private Bank's custody	1 000
Have a linked RMB Private Bank Cheque Account for Spouses on your profile or be on the RMB Private Bank Cheque Account for Spouses pricing Option	1 000
Have a linked FNBy Private Bank Account on your profile	1 000

* Qualifying RMB Private Bank Islamic Banking customers will receive 2 000 concession points every month as these accounts are not eligible for Overdrafts or Personal Loans.

Reward rates

Once you have qualified and your reward level has been determined, you are ready to earn eBucks.

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.

To qualify for reward level 2 and above, you need both an RMB Private Bank Credit Card AND an RMB Private Bank Cheque Account/RMB Private Bank Single Facility, OR you need an RMB Private Bank Fusion™ Account.

Points collected based on your reward level

Points collected monthly	1 000 - 6 999	7 000 - 9 9999	10 000 - 12 999	13 000 - 15 999	16 000 or more
Your reward level	1	2	3	4	5
	Reward rates
In-store shopping: Credit Card/Fusion Card	0.5%	0.9%	1.3%	1.8%	3%
In-store shopping: Cheque Card	0.25%
Online shopping: Credit Card/Fusion Card	0.5%	0.9%	1.3%	1.8%	3%
Online shopping: Cheque Card	0.25%
Engen: rands/litre*	R0.10	R0.25	R0.75	R2.00	R4.00
Transport: Gautrain & Uber	0.5%	2.5%	5%	7.5%	15%
Checkers & Shoprite	1%	2.5%	5%	7.5%	15%
FNB Connect contracts and prepaid airtime	1%	2.5%	5%	7.5%	15%
Smart Device Contract	n/a
FNB Life	1%	2.5%	5%	7.5%	15%
Sending or receiving foreign currency through RMB Private Bank Forex
Online, App and standing instruction fees	5%	10%	20%	30%	50%

*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 RMB Private Bank Cheque Card or RMB Private Bank Credit Card.

QUALIFYING SPEND

Understand the way you earn

Qualifying spend (i.e. spend 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 FNB Money Market Transactor Accounts.

IN-STORE AND ONLINE SHOPPING

Rewards for shopping

Shopping
Shopping spend limits apply irrespective of whether you shop domestically or internationally.

In-store shopping

The amount on which you earn eBucks at your shopping reward rate is limited to a total monthly rand spend (on qualifying card swipes only) of R30 000 on your qualifying RMB Private Bank Credit Card and/or Cheque Account. Thereafter, you'll earn eBucks on in-store shopping using your RMB Private Bank Credit Card at a rate of 0.5% for level 1, 0.9% for level 2 and 1% for level 3,4 & 5. You'll not earn eBucks on in-store shopping above the R30 000 spend limit made using your RMB Private Bank Cheque Account Card and your RMB Private Bank Credit Card spend is considered first towards the spend limit.

Online shopping

The amount on which you earn eBucks is limited to a total monthly rand spend (on qualifying online spend only) of R10 000 on your qualifying RMB Private Bank Credit and/or Cheque Card. Thereafter, you'll earn eBucks on online spend made using your RMB Private Bank Credit Card at a rate of 0.5% for level 1, 0.9% for level 2, and 1% for level 3, 4 & 5.

You'll not earn eBucks on in-store shopping above the R10 000 spend limit made using your RMB Private Bank Cheque Account Card and your RMB Private Bank Credit Card spend is considered first towards the spend limit.

SHOPPING AT CHECKERS & SHOPRITE

Rewards for grocery shopping

The amount on which you earn eBucks is limited to 20% of your total monthly qualifying RMB Private Bank Credit Card and/or Cheque Account spend.
The amount on which you earn eBucks at your Checkers & Shoprite reward rate is limited to a total monthly rand spend (on qualifying card swipes only) of R15 000 on your qualifying RMB Private Bank Credit Card and/or Cheque Account.
Thereafter, you will earn eBucks on purchases made using your RMB Private Bank Credit Card at a flat rate of 1%.
Your RMB Private Bank Credit Card spend is considered first towards the spend limit.

GROCERY SHOPPING

Shop and earn

The amount on which you earn eBucks is limited to 20% of your total monthly qualifying RMB Private Bank Credit Card and/or Cheque Account spend
The amount on which you earn eBucks at your grocer reward rate is limited to a total monthly rand spend (on qualifying card swipes only) of R15 000 on your qualifying RMB Private Bank Credit Card and/or Cheque Account.
Thereafter, you'll earn eBucks on purchases made using your RMB Private Bank Credit Card at a rate of 0.5% for level 1, 0.9% for level 2 and 1% for level 3,4&5.
You'll not earn eBucks on grocery shopping above the R15 000 spend limit made using your RMB Private Bank Cheque Account.
Your RMB Private Bank Credit Card spend is considered first towards the spend limit.

BUYING FUEL, UBER AND GAUTRAIN (TRANSPORT)

Rewards for transportation

The amount on which you earn eBucks is limited to 20% of your total monthly qualifying Private Wealth Credit Card and/or Cheque Account spend or a total rand spend (on fuel, Gautrain and Uber rides only) of a combined R5 000 per month, whichever occurs first.
You can fill up at any domestic 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.
You only earn eBucks on Uber rides taken domestically.

PREPAID ELECTRICITY

Rewards for electricity

You earn eBucks on electricity bought via FNB's electronic banking channels:
RMB Private Bank App - Download the app from your app store
Online Banking
Cellphone Banking - dial *120*321# (electricity*)
The amount on which you earn eBucks is limited to a total monthly rand spend of R3 000.
* Standard network rates apply.

FNB CONNECT CONTRACTS, PREPAID AIRTIME AND FIXED LTE

Rewards for staying connected

The amount on which you earn eBucks is limited to a total monthly rand spend of R1000 on qualifying FNB Connect contracts and/or prepaid spend only and excludes any device premiums linked to your contract.
You earn eBucks on FNB Connect prepaid purchases bought via FNB's electronic banking channels:
RMB Private Bank App - Download the app from your app store
Online Banking
Cellphone Banking - dial *130*321#*
* Standard network rates apply.

SMART DEVICE

Earn rewards with your devices

The amount on which you earn eBucks is limited to a combined total monthly rand spend (on qualifying Smart Device contracts only) of R500.
Qualifying Smart Devices are limited to laptops, tablets and smartphones.

FNB FOREX

Earn on transaction charges

The eBucks you'll earn will be paid in the month after the transaction was done.
All FNB Forex transactions must be done via the RMB Private Bank App or Online Banking , except where you have a standing instruction with FNB Forex to transact on your behalf.
You'll 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.

Join us

EARN

Your rewards

The way you earn eBucks changed.

For more information, visit eBucks.com

Overview

Qualifying criteria

Move up a reward level

Earn based on your level

Earn rules

Get started

Join us

OVERVIEW

How to earn rewards

There are three steps you'll need to follow to earn eBucks. Remember: R1 = eB10

1. QUALIFY

Meet the qualifying requirements that are specific to your RMB Private Bank account(s).

2. MOVE UP A REWARD LEVEL

Once you have qualified, it is time to start collecting points. Points are allocated based on how you bank with RMB Private Bank. The more points you collect, the higher your reward level. Your reward level is reviewed every month.

3. EARN

When you have qualified and your reward level has been determined, you are ready to earn eBucks. The higher your reward level, the more eBucks you will earn.

QUALIFYING CRITERIA

Start earning rewards

In order to start earning your eBucks, you must first meet the qualifying requirements

Qualifying criteria

MOVE UP A REWARD LEVEL

Move up the ladder

After you've qualified, the second step is to move up a reward level. Your reward level is determined by how many points you've collected in a calendar month.

You collect points based on how you bank. The more points you collect, the higher your reward level.
In order to reach reward level 2 and above, you must have: An RMB Private Bank Fusion Account
OR
An RMB Private Bank Credit Card and an RMB Private Bank Cheque Account
OR
An RMB Private Bank Credit Card and an RMB Private Bank Single Facility

Your reward level is reviewed around the 8th of each month, which means that you may be on a different reward level every month.

Points table

EARN BASED ON YOUR LEVEL

Reward rates

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

Earn rules

Your reward level is calculated around the 8th of each month based on the number of reward level points you have collected from RMB Private Bank in the previous month.

Earn rules

GET STARTED

Our Rewards

Join us

QUALIFYING CRITERIA

Qualifying RMB Private Bank Cheque and Credit Card
Registered for eBucks

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QUALIFYING CRITERIA

How to qualify

How to get rewarded

How to collect points

Points per month

Digital banking

My cards

Save

Invest

Borrow*

Home and car

Insurance

Wealth management and offshore banking

Family

* Qualifying RMB Private Bank Islamic Banking customers will receive 2 000 concession points every month as these accounts are not eligible for Overdrafts or Personal Loans.

Reward rates

Points collected based on your reward level

Points collected monthly

1 000 - 6 999

7 000 - 9 9999

10 000 - 12 999

13 000 - 15 999

16 000 or more

Your reward level

1

2

3

4

5

Reward rates

Sending or receiving foreign currency through RMB Private Bank Forex

QUALIFYING SPEND

Understand the way you earn

IN-STORE AND ONLINE SHOPPING

Rewards for shopping

SHOPPING AT CHECKERS & SHOPRITE

Rewards for grocery shopping

GROCERY SHOPPING

Shop and earn

BUYING FUEL, UBER AND GAUTRAIN (TRANSPORT)

Rewards for transportation

PREPAID ELECTRICITY

Rewards for electricity

FNB CONNECT CONTRACTS, PREPAID AIRTIME AND FIXED LTE

Rewards for staying connected

SMART DEVICE

Earn rewards with your devices

FNB FOREX

Earn on transaction charges

EARN

Your rewards

OVERVIEW

How to earn rewards

1. QUALIFY

2. MOVE UP A REWARD LEVEL

3. EARN

QUALIFYING CRITERIA

Start earning rewards

MOVE UP A REWARD LEVEL

Move up the ladder

EARN BASED ON YOUR LEVEL

1 000
-
6 999

7 000
-
9 9999

10 000
-
12 999

13 000
-
15 999

16 000
or
more