Earn up to 15% back in ebucks on your FNB Premier Accounts.

Transcription

1 Boost your rewards. 15% back in ebucks on your FNB Premier Accounts. Your FNB Fusion Premier, Cheque and Credit Card offer you exclusive value, ebucks Rewards and dedicated service through a team of Premier bankers, available 24/7. Terms, conditions and rules apply First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).

2 BANK BETTER MORE REWARD POINTS HIGHER REWARD LEVEL MORE REWARDS STEP 2 Move up a STEP 1 STEP 3 STEP 4 Qualify Reward Level Earn Spend Meet the qualifying requirements that are specific to your FNB Premier Account(s). Once you ve qualified, it s time to start collecting points. Points are allocated based on how you bank with FNB. The more points you collect, the higher your reward level. Your reward level is reviewed every month. When you ve qualified and your reward level has been determined, you re ready to earn ebucks. The higher your reward level, the more ebucks you ll earn. Spend ebucks and get discounts according to your reward level. R1 = eb10 Reward Levels + Points collected for the month pts pts pts pts pts 5 In order to maximise your ebucks earn, you need to have both a Premier Cheque and a Premier Credit Card OR an FNB Fusion Premier Account. Terms, conditions and rules apply.

3 Before you can start earning ebucks, you must first meet the qualifying requirements. To get going, you must: ONE You must have one of the Have a minimum deposit OR one of the following: following FNB Cheque accounts and it must be active: Monthly deposit 3 month deposits Monthly balance Premier R16 R R Islamic R16 R R One Account R Premier Select R16 R R FNB Fusion Premier R16 R R Young Professionals R5 - R Savings & Investment (Premier Select customers) - - R TWO Use the electronic banking channel(s) specific to your age group UNDER 60 YEARS: Log in to the FNB Banking App at least once a month using your own banking profile (download the FNB Banking App here). OVER 60 YEARS: Transact at least once a month on any of FNB s electronic banking channels. These are the FNB Banking App, Online Banking, Cellphone Banking and Telephone Banking (Interactive Voice Response only). THREE 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. FirstRand Bank accounts include but are not limited to FNB, WesBank, RMB Private Bank and Ashburton. Terms, conditions and rules apply.

4 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. Your reward level is reviewed monthly, which means that you may be on a different reward level every month. Visit the ebucks website to try our handy ebucks Rewards Calculator for tips on how to move up a reward level. Reward Levels + Points collected for the month pts pts pts pts pts 5 What to do to collect points Points Digital Banking Do at least four financial transactions per month via the FNB Banking App financial transactions include payments, transfers and purchases, but exclude debit orders, deposits and the viewing of accounts. Use FNB s electronic banking channels to do ALL your payments, transfers and FNB Savings and Investment Account maintenance Savings and Investment Account maintenance refers to the way you use your FNB Savings and Investment Accounts and how you manage your funds (e.g. notices to withdraw or interest redirect requests). You won t collect points on any transaction done inside an FNB branch or FNB Premier Service Suite, including banker issued statements. Have at least four monthly debit orders on your FNB Premier Cheque Account or FNB Fusion Premier Account Have a monthly spend on your FNB Connect SIM card of: Between R200 and R Between R300 and R R600 or more spend excludes any device premiums. Allow FNB to communicate with you by giving them consent to market to you AND Choose to receive all your statements via only AND Update your contact details at least once in a 12-month period via FNB Online Banking 1

5 My cards Spend (Excludes transfers and EFTs) on your FNB Premier Credit Card or FNB Fusion Premier Card in a calendar month for: Between R1 and R2 999 Between R3 000 and R5 999 Between R6 000 and R R or more. spend excludes Cash@Till, EFTs and transfers. Use your FNB Premier Credit Card, FNB Premier Cheque Card or FNB Fusion Premier Card to shop online and/or swipe internationally for: Between R250 and R999 per month Between R and R1 999 per month Between R and R4 999 per month R5 000 or more per month. spend excludes Cash@Till, EFTs and transfers. Points 1 1 Use your FNB Premier Credit Card and/or FNB Fusion Premier Card Between 25% and 49.9% of your total monthly spend Between 50% and 74.9% of your total monthly spend Between 75% and 99.9% of your total monthly spend Use your FNB Premier Credit Card and/or FNB Fusion Premier Card for ALL your monthly spend Total monthly spend includes any online and in-store purchases made during the month using your FNB Premier Credit Card and/or FNB Fusion Premier Card Set up an Auto Payment on your FNB Premier Credit Card from your FNB Premier Cheque Account Be on the FNB Premier bundled pricing option OR have an FNB Fusion Premier Account Spend more on your FNB cards and/or FNB Pay than the amount of cash you withdraw in a month FNB Pay allows you to securely tap to pay using your Android NFC smartphone whenever you see the Contactless logo. You won t collect these points if you withdraw cash from any FNB branch. Only use Cardless Cash and/or Cash@Till to withdraw cash Cardless Cash allows you to withdraw cash directly from your FNB accounts by using your cellphone at FNB ATMs rather than using a card. You won t collect these points if you withdraw cash from any FNB branch. Have Bank Your Change activated on your FNB Premier Cheque Account or FNB Fusion Premier Account and have the purchase amount rounded up to at least R5

6 Save Maintain a monthly balance in your FNB Premier Cheque Account or FNB Fusion Premier Account of: Between R5 000 and R Between R and R R or more Have at least one FNB Savings and Investment Account and maintain a monthly balance across your FNB Savings and Investment Account(s) of: Between R and R Between R and R R or more FNB Tax-Free Cash Deposit Accounts and FNB Equity Trading Accounts do not count towards the balance. Grow the balance across your FNB Savings and Investment Accounts by at least R per month (interest included) excluding Equity Trading Account and FNB Tax-Free Cash deposits Have an FNB Fixed Deposit Account with a fixed term of at least six months AND Maintain a monthly balance of at least R in the account Invest Make a monthly payment of at least R into an FNB Horizon Series Unit Trust excludes FNB Tax-Free Shares Maintain a minimum monthly balance in your FNB Horizon Series Unit Trust of: R R1 million Have an FNB Tax Free Shares, FNB Horizon Series, Unit Trust or Tax Free Cash Deposit Account and make a monthly *contribution of at least R1 OR Have an FNB Tax Free Shares, FNB Horizon Series, Unit Trust or Tax Free Cash Deposit Account and make an annual *contribution in the current tax year of R * via Scheduled Transfer or Debit Order The total monthly and annual contributions have to be made within the current tax year, which runs from 1 Mar 2017 to 28 Feb Have a non-discretionary mandate with FNB Share Investor and maintain a trade value in listed shares of at least: R in the previous month or R over the last six months R in the previous month or R over the last six months R in the previous month or R over the last six months Have an FNB Global Account and maintain a minimum monthly balance of: 1 Australian dollars, Euros, Canadian Dollars, British pounds or US dollars OR Chinese renminbi OR United Arab Emirates Dirham Indian rupees Points

7 Borrow* Points 1. Have an Overdraft Facility on your FNB Premier Cheque Account or a Credit Facility on your FNB Fusion Premier Account of at least R Meet rule 1 above AND use a minimum of R of the credit limit during the month AND deposit sufficient funds into your FNB Premier Cheque Account OR FNB Premier Fusion Account to settle the outstanding balance on your credit facility during the month*. *You won t collect these points if your Cheque Account Overdraft limit or Fusion Account Credit Facility 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. Have a Revolving Loan with a minimum credit limit of R AND use between 40% and 85% of the credit limit during the month*. *Revolving Loan utilisation needs to be an average of between 40% and 85% over the month 4. Meet rule 1 above AND have signed your Revolving Loan debit order mandate within the last two years. 1 Have an FNB Personal Loan of at least R30 000, which you repay via a monthly debit order from your FNB Premier Cheque Account or FNB Fusion Premier Account Home and Car Have an FNB Home Loan or FNB One Account with a minimum outstanding balance of R Meet rule 1 directly above and have an FNB Flexi Facility on your FNB Home Loan at least 24hrs. 3. Meet rule 1 above and make your monthly FNB Home Loan repayment with a debit order or salary stop order set up from your FNB Premier Cheque Account Have an active** FNB 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 FNB Premier Cheque Account nav» Car can be accessed on the FNB 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. * FNB Islamic Banking customers will receive concession points every month as these accounts are not eligible for FNB credit products. ** 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.

8 Family and Insurance Draft a will with FNB as your executor and keep your signed will in FNB s custody The signature date should not be older than five years. Have an FNB Life Cover Policy with minimum combined cover of R AND Pay your monthly premiums from your FNB Premier Cheque Account or FNB Fusion Premier Account FNB Life Cover Policies include Life Cover, Critical Illness Cover, Disability Cover and Debt-Linked Cover. All qualifying policies will count towards the minimum cover amount. Have an FNB Life Cover Policy with at least two additional types of cover AND Pay your monthly premiums from your FNB Premier Cheque Account or FNB Fusion Premier Account Additional cover types include Critical Illness Cover, Disability Cover and Debt-Linked Cover. Have FNB Life Cover of at least R1.2 million FNB Life Cover Policies include Life Cover, Critical Illness Cover, Disability Cover and Debt-Linked Cover. All qualifying policies will count towards the minimum cover amount. Have an FNB Funeral Plan (also referred to as Policy) with at least two lives insured AND Have total cover of at least R across all lives insured AND Pay your monthly premiums from your FNB Premier Cheque Account or FNB Fusion Premier Account Children will not count towards the required lives insured and total cover amount. Only Funeral products where FirstRand Life Assurance is the insurer are eligible for ebucks. Have an FNB Accidental Death Cover Plan (also referred to as Policy) with total cover of R or more AND Pay your monthly premiums from your FNB Premier Cheque Account or FNB Fusion Premier Account Points

9 according to your reward level Depending on your reward level, you ll earn ebucks on your Premier Accounts, effective 1 July 2017, as follows: 15% on your qualifying FNB Connect contract or when loading FNB Connect prepaid airtime. 15% on your domestic Uber rides. 2% on your FNB Fusion Premier Card or Credit Card and 0.25% back on your Premier Cheque Card whenever you swipe in-store or internationally. 15% when you fill up with fuel at any fuel station in South Africa. 15% when you shop at Checkers & Shoprite. 15% on your qualifying FNB Life Policy 4% on your FNB Fusion Premier Card or Credit Card and 0.5% back on your Premier Cheque Card whenever you shop online. Terms, conditions and rules apply. 50% on your transaction charges when you send or receive foreign currency online with Forex from FNB OR on your transaction charges when receiving foreign currency regularly by authorising Forex to convert these funds on your behalf with a standing instruction.

10 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 according to your reward level. Reward Levels + Points collected for the month Reward Rates pts pts pts pts pts 5 In-Store Shopping Online Shopping Credit card / FNB Fusion Card 0.5% 0.7% 1% 1.2% 2% Cheque 0.25% 0.25% 0.25% 0.25% 0.25% Credit card / FNB Fusion Card 1% 1.4% 2% 2.4% 4% Cheque 0.5% 0.5% 0.5% 0.5% 0.5% Fuel + Uber (Transport) 0.5% 2.5% 5% 7.5% 15% Checkers & Shoprite 1% 2.5% 5% 7.5% 15% FNB Connect contracts & Prepaid Airtime 1% 2.5% 5% 7.5% 15% FNB Life 1% 2.5% 5% 7.5% 15% Sending or Receiving foreign currency through Forex from FNB Online, App & Standing instruction fees 5% 10% 20% 30% 50% Terms, conditions and rules apply.

11 ebucks Travel Book flights, accommodation and car rental for both local and international trips. ebucks Shop Our convenient online shop with everything from electronics, gadgets, home appliances, kids stuff, gifts, and much more. ebucks Partners Choose from a wide variety of shops, online shopping sites, as well as services and subscriptions. You can also use your ebucks to fill up with fuel at Engen. FNB Electronic Channels Use your Smart Device or go online to do your banking and buy things like prepaid airtime, prepaid electricity and data. Vouchers You can now purchase vouchers on the FNB Banking App. For more information visit Terms, conditions and rules apply.

12 As a Premier client, you get access to SLOW Domestic Lounges (located in the domestic terminals of OR Tambo, Lanseria XS, King Shaka and Cape Town International Airports) as well as SLOW International (located in the international terminal of OR Tambo International Airport). SLOW Domestic Lounges Premier Cards Criteria for complimentary entries* Complimentary Entries per Calendar Year Fee per additional visit over and above your complimentary entries Fee per visit 1 2** Domestic International Credit Card and Cheque Card OR Fusion Card ** 8** 10** R250 per person R per person 5 12** **In order to qualify for complimentary visits to the Domestic lounge visits you must have both a Premier Credit Card and a Premier Cheque Account OR an FNB Fusion Premier Card Account as well as meet the qualifying criteria for ebucks Rewards. Premier cardholders also get access to the SLOW International lounge at a fee. **Guest visits are considered as part of card holder complimentary visits per calendar year (Guest visits will be deducted from the available complimentary visits). No guests will be allowed during peak times. Should you have available complimentary visits, only your first guest is complimentary during off-peak times. For operating hours and peak times visit the FNB website (For Me > SLOW lounge) SLOW Domestic Lounges: Access to all SLOW Domestic Lounges is limited to 90 minutes before boarding time If you only hold a Premier Cheque Account or only a Premier Credit Card, a fee of R250 per person will apply Children younger than 2 years have complimentary access to the SLOW Domestic Lounges Children older than 2 years are considered guests and will be charged accordingly If you do not meet the qualifying criteria for complimentary visits the fee per person per entry is R250 Peak times: SLOW Domestic Monday - Friday: 04h45-07h00 and between 13h00-17h30 Sundays: 15h00-17h30 Terms, conditions and rules apply.

13 SLOW International Lounge: As a Premier card holder you also have access to SLOW International for a fee of R250 per card holder, R250 per additional guest and R50 per child (between the ages of 2 and 18 years) if you meet the qualifying criteria for complimentary visits If you do not meet the qualifying criteria for complimentary visits the fee per person per entry is R Children younger than 2 years have complimentary access to the SLOW International Lounge General Access Rules for Premier cardholders: Complimentary visits are available at SLOW Domestic Lounges only Complimentary visits are based on your at time of entering the lounge, which is updated around the 8th of each month All complimentary visits will be allocated at main customer level and can be used/accessed by any card (cheque, credit, Fusion or additional cards) All complimentary entries into the s are non-transferable. All unused visits will not roll over to the next calendar year except for the month of January where the allocation from the month of December will be applicable until on or around the 8th of January. If you do not meet the qualifying criteria for complimentary visits or you have used all your available complimentary visits you will be charged for entering the lounge Should the lounge capacity be reached, FNB Private Wealth and RMB Private Bank card holders will be granted preferential access Only valid cards will be accepted. No expired cards will be accepted. Only one card will be permitted per card holder per visit and must be accompanied by a boarding pass. Both the card and the boarding pass must be issued in the same individual s name. SLOW reserves the right decline entry should any of the lounges be full. Access is subject to availability, according to capacity and safety rules or should they deem necessary Card holders under the age of 18 years will not be permitted access unless accompanied by an adult over the age of 18 years Make use of our FNB Banking App to view your available complimentary entries (ebucks Rewards > Airport lounges) Terms, conditions and rules apply.

14 Reward Levels Comprehensive Global Travel Insurance AA Emergency Roadside Assistance FREE* for return tickets purchased on a FNB Premier Fusion Card, Credit Card or Cheque Card FREE on a linked Premier Petro Card or FNB Premier Fusion Cards * Under 70 years old. Terms, conditions and rules apply.

15 Your reward level also determines the size of the discount you qualify for when you buy selected products that are on discount from the ebucks Shop, book domestic Avis car rental or book selected flights online through ebucks Travel. Reward Levels + Points collected for the month pts pts pts pts 17 + pts Including Emirates and kulula.com 5% 10% 20% 30% 40% For more information visit If you have recently upgraded your account, you will not get immediate access to your new complimentary benefits. New rewards will only be available once your upgraded account has been active and in good standing for at least 30 days. Terms, conditions and rules apply. Discounts on flights exclude all taxes. E & OE. Effective 1 July Rewards are allocated around the 8th of each month based on your banking behaviour in the previous calendar month. First National Bank - a division of First Rand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20)