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Fuel and Airtime Rewards
Cheque Account - Product Details
What are FNB Rewards?
Now you can get up to 15% back on your qualifying fuel or airtime purchases and up to 2.5% back on all other qualifying Cheque Card purchases. This means that when you purchase fuel on your FNB Cheque Card at any fuel retailer or purchase prepaid airtime using any one of FNB's electronic banking channels, you will get cash or eBucks back straight into your account - for free!
Now you have the choice to spend on either fuel or airtime and we will maximise your rewards by rewarding you on the higher of your qualifying fuel or airtime spend.
How does the programme work?
- You need to meet the qualifying criteria in order to earn points and rewards each month
- You earn points each month based on the earning criteria, and these points accumulate over a rolling twelve months of history (in other words the most recent 12 months) to determine your total points. So, even if you do not earn points in the latest month, you will still maintain the points you have earned in the previous eleven months.
- Your total points for the twelve month period determine which reward level you fall into
- On each reward level, you will receive a different percentage of your qualifying fuel OR airtime purchases back in cash or eBucks when you pay for fuel using your FNB Cheque Card. (Debit and Petrol Cards linked to your Cheque Account do not qualify to earn rewards) or purchase airtime through FNB's electronic channels
- You will get rewarded on the highest qualifying fuel OR airtime spend. Please note that you will not be rewarded on both fuel and airtime spend.
- Customers who are registered for eBucks will automatically get their rewards paid in eBucks into their eBucks Account and will qualify for the highest reward rate. Customers who are not registered for eBucks will receive their rewards in the form of a cash payment into their FNB Personal Cheque Accounts, but will not qualify for the highest reward rate
How does the programme work?
If you hold an active FNB Personal or Islamic Cheque Account, or an FNB Private Clients Single or Private Facility, you qualify for this offer.
You simply need to ensure that you have given FNB permission to market to you (i.e. your marketing consent is set to 'YES') and you need to update your personal details with a valid cellphone number AND email address at least once a year.
You also need to ensure that you are registered for FNB's free messaging service InContact. You need to transact through at least one of FNB's electronic channels - Online, Cellphone, or Telephone Banking, or the FNB Banking App once a month (all of which have zero subscriptions fees!).
You also need to ensure that the value of your monthly cheque card swipes at point of sale exceeds your monthly ATM withdrawals.
Lastly, you will need to ensure that you deposit a total of at least the following minimum amounts into your FNB Account each month:
- Platinum Cheque Accounts - R16 500
- Gold and Islamic Cheque Accounts - R5 500
- Smart and Encore Cheque Accounts - R2 000
- FNB Private Clients Single or Private Facilities - R40 000
*Your account must also be in good standing which means that your account should not be overdrawn, in arrears, nor that you are in debt counselling or any legal process with FNB.
*Please note that Joint Accounts and Money Market Transactor do not qualify to earn fuel or airtime rewards.
How do I earn points?
There are many easy ways to earn points. Each month, you can earn points by fulfilling some or all of the criteria below, according to the table. You do not need to fulfil all the criteria- but you will earn more points the more criteria you fulfil! Points accumulate over a rolling twelve months of history to determine your total points, in other words your total points are the sum of all the points for the last 12 months. These points in turn determine how much you get back.
| Ways to earn points | Monthly points you can earn | Maximum points you can earn for a twelve month period | |
| 1 | Use one of the following credit products:
|
300 | 3600 |
| 2 | The more products you hold, the higher your reward! Choose from a range of FNB banking products
|
200 per product | 2400 per product |
| 3 | Maintain a minimum balance in your FNB cheque account each month:
|
200 | 2 400 |
| 4 | To reward you for your loyalty, you will receive extra points every month if your FNB cheque account has been open for three years or more. | 100 | 1 200 |
| 5 | New FNB customers will receive a joining bonus in the month that you open your FNB Personal Cheque Account, so you can start earning rewards from day one. | 5 000 | |
| 6 | The more you spend at retailers on your FNB Cheque Card, the more points you earn! (You could earn different points each month, depending on how much you spend that month.) Qualifying Cheque Card spend is capped at R20 000 for Gold and Islamic Cheque Accounts, and capped at R10 000 for Encore Accounts |
||
| R250 - R999 | 100 | 1 200 | |
| R1 000 - R2 499 | 250 | 1 800 | |
| R2 500 - R4 999 | 200 | 2 400 | |
| R5 000 - R9 999 | 250 | 3 000 | |
| R10 000 - R14 999 | 300 | 3 600 | |
| R15 000 - R19 999 | 450 | 5 400 | |
| R20,000 - R29,999 | 600 | 7200 | |
| R30 000 - R49 999 | 900 | 10 800 | |
| R50 000 + | 1 200 | 14 400 |
*Not available to Smart Cheque Account Clients
**Not available to Private Clients Current Account Clients
What are the reward rates?
Your total points for a twelve month period determine the reward that you will get back on your qualifying fuel or airtime purchases. The required points to qualify for each earn tier are shown in the table below:
| Points required to qualify | Rewards rate |
| 5 000 | 1.00% |
| 10 000 | 2.50% |
| 14 000 | 5.00% |
| 16 000 | 7.50% |
| 18 500 | 10.00% * |
| 18 500 | 15.00% ** |
(*non-eBucks members)
(**eBucks members)
What is considered 'Qualifying Fuel or Airtime Spend'?
Qualifying Fuel Spend
You can earn fuel rewards of up to a maximum of 20% of total Cheque Card point of sale spend. So, if you have spent a total of R6 000 on your Cheque Card in the month, where R2 000 of that total spend was on fuel, you will only receive rewards on R1 200 of that fuel spend (20% of R6 000 = R1 200).
You can maximize your qualifying fuel spend by using your Cheque Card to pay for as much of your monthly expenses as possible.
Qualifying Airtime Spend
You can earn Airtime rewards for up to R1 000 of your qualifying airtime spend. You need to have a purchased your airtime through any FNB electronic channel such as an FNB ATM, Cellphone banking, Online Banking or the FNB Banking App.
Examples
The table below illustrates how John, Lindiwe, Kayur and Peter have earned their fuel or airtime rewards:
| Name | John | Lindiwe | Kayur | Peter |
| What FNB Cheque Account do you avail of and what is the value of your total monthly deposits? | Smart Cheque Account with total monthly deposits of R3 700 | Platinum Account with total monthly deposits of R20 000 | Gold Account. I have deposited my salary of R8 000 into my account. | Gold Account with total monthly deposits of R9 000 |
| Does FNB have permission to market to you and are you registered for InContact? | Yes | Yes | Yes | Yes |
| Have you updated your details online in the last year with a valid cellphone and e-mail address? | Yes | Yes | Yes | Yes |
| Do you transact using one of FNB's wide range of electronic channels ie. Cellphone Banking, Telephone Banking, Online Banking and the FNB Banking App? | Yes, I transact via Cellphone Banking because I am always on the move! | Yes, I transact regularly via Online Banking | Yes, I have just started transacting via Telephone Banking | |
| Does your monthly Cheque Card swipes exceed the value of your monthly ATM withdrawals? | Yes | Yes | Yes | Yes |
| Do you have an overdraft facility of at least R500 (using at least 10%), Temporary Loan or Revolving Loan on your Personal Cheque Account. If so, what is the size of the facility and how much of it do you use each month? | No | Yes. I use R4 000 each month of my R5 000 facility | No, but I plan to apply for one soon | No |
| Do you have an active Savings Pocket with a minimum balance of at least R2 000 and Bank your change? | Yes | Yes | ||
| Do you have an FNB Multi Currency Account? | No | No | No | Yes |
| Do you have an active FNB Credit Card | Yes | No | No | |
| Do you choose to receive your monthly statements via email only? | Yes | No | No | Yes |
| Do you have a Tablet, Smartphone or Laptop Contract from FNB? | No | No | Yes | Yes |
| Do you have any insurance products linked to your FNB Cheque Account? | No | No | Yes | Yes |
| When did you open your FNB Personal Cheque Account? | Five years ago | Ten years ago | Two weeks ago | Three years ago |
| Have you maintained the minimum balance in your FNB Cheque Account each month(Platinum -R2000, Gold,Islamic and Encore-R1000)? | Yes | No | Yes | Yes |
| How much do you spend on your FNB Cheque Card each month? (including fuel purchases) | R2 000 | R6 000 | I just opened my account, so only R1,000 this month | R3 000 |
| How much do you spend on fuel on your Cheque card each month? | R350 | R1 500 | I just opened my account, so only R400 this month | R400 |
| How much do you spend on prepaid airtime through FNB's banking channels? | R200 | R100 | R100 | R500 |
| What is Your Qualifying Monthly Fuel Spend (Can only be 20% of total monthly POS Spend)** | R350 | R1 200 | R200 | R400 |
| What is your qualifying monthly airtime spend (Capped at R1 000) | R200 | R100 | R100 | R500 |
| Spend category to be rewarded on | Fuel | Fuel | Fuel | Fuel |
| Are you registered for eBucks? | Yes | No | Yes | Yes |
| Your reward rate | 1% (7 800 points annually) | 2.5% (12 600 points annually) | 5%(14 000 points annually) | 5% (15 600 points annually) |
| Rewards Earned on average in the Last Year | eB500 | eB4 000 | eB50 (my account was only opened two weeks ago) | eB3,000 |
| How can you move to the next earn tier? | Take up Roadside Assitance linked to your FNB Cheque Account and earn 2.5% back! | Take up a Multi-Currency Account and a Tablet/Smartphone/Laptop from FNB and earn 7.5% back! | Take up Smart Device Insurance linked to your FNB Cheque Account and earn 7.5% back. | Use one of FNB's credit products ( Overdraft - and use atleat 10% of the facility, Temporary Loan or Revolving Loan) to earn 15% back ! |
How can we help you get started?
If you would like to open a new account:
- Visit www.fnb.co.za and click on 'Apply Online now' in the top section of the homepage
- Call 0860 FASTAP (0860 327 827)
- Existing customers can log onto FNB Online Banking (www.fnb.co.za) using your username and password. Click on 'New Accounts' on the left hand side on the Accounts tab.
If you would like to upgrade your account:
- Login to FNB Online Banking (www.fnb.co.za) using your username and password
- Select 'Account Settings' found on the left of the page, and select your Account
- Click on the 'Upgrade Now' link found next to your account type if you qualify for an upgrade and follow the prompts to upgrade.
FNB has a dedicated team that will assist you with switching your salary and/or debit orders:
- Visit our website www.fnb.co.za and click on 'Debit Order Switching/ Salary Switching' under the 'Services' heading when you select the 'For Me' tab.
- Call 0860 102 970 and select option 2 from the voice prompts and an assistant will attend to you.
To change your Marketing Consent Indicator to 'Yes':
- Logon to FNB Online Banking www.fnb.co.za using your username and password
- Click on 'Settings' tab and select 'Personal details'
- You can choose to receive communications on new products and services by updating the option under 'Communication Preferences'
- This option will only be available if you've previously chosen not to receive communications on new products and services
To register for inContact:
- Logon to FNB Online Banking (www.fnb.co.za) using your username and password.
- Click on the 'Settings' tab and select 'inContact '
- Follow the prompts to register for inContact
- Call 087 575 9404 and press 1 for 'General Enquiries'
To register for FNB Online Banking:
- Visit www.fnb.co.za and click on 'Register'
- Call 087 575 9404 and press 1 for 'General Enquiries'
To register for FNB Cellphone Banking:
- Logon to FNB Online Banking (www.fnb.co.za) using your username and password
- Click on the 'Settings' tab and select 'Cellphone Banking'
- Follow the prompts to register for Cellphone Banking
- Call 087 575 9404 and choose press 1 for 'General Enquiries'
To apply for an Overdraft:
- Call 0860 FASTAP
- Logon to FNB Online Banking (www.fnb.co.za) using your username and password and select the 'Accounts' tab
- Select your Cheque Account
- Click on 'Overdraft Maintenance' and follow the easy steps.
To update your contact details online:
- Logon to FNB Online Banking (www.fnb.co.za) using your username and password
- Click on 'Personal Details' under the 'Settings' tab
- Update your personal details