Encore Platinum Account and Platinum Credit Card

Transcription

1 Encore Platinum Account and Platinum Credit Card Pricing Guide 1 July June 2016 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).

2 Encore Platinum Cheque Account R75 p/m As you mature into the next stage of life, FNB is mindful of the change in your needs and your lifestyle. The Encore portfolio offers you an array of banking, savings and short-term insurance products and services for customers Bank Access to a dedicated team of Premier Bankers to cater to your day-to-day banking needs, reducing your need to go into a branch Unlimited swipes when you use your Platinum Cheque Card to pay Draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills of fees subscription to incontact. This means we ll SMS you every time more than R 100 goes out of or into your account subscription to FNB Cellphone Banking, Online Banking, Telephone Banking and the FNB Banking App. You only pay for the data you use ed monthly statements aged 55 and over, tailored just for you. To be eligible for an Encore Platinum Account, you need to earn an income of R R per year. Save Bank for when you maintain a minimum balance of R in your Cheque Account Earn interest per annum on positive balances in your Encore Platinum Cheque Account A Linked Savings Account that earns you preferential interest rates exclusive to Encore customers The option to Bank Your Change when we round your card purchase value up and transfer the difference between your purchase amount and that amount into your Linked Savings Account. So, you save while you spend Borrow A Temporary Loan is a pre-approved, short-term credit offering, for which there is no need to fill in any forms Revolving Loan that lets you re-access your funds once you ve paid 15% of your original loan amount Overdraft access that is of initiation fees. You only pay for it when you use it

3 ed monthly statements Draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills of fees subscription to incontact. We ll SMS you every time more than R100 goes out of - or into - your account Earn ebucks for doing everyday things like paying with your card Live delivery of your Platinum Cheque Card to your home or office Comprehensive Global Travel Insurance, keeping you covered for local and international travel when you purchase your air ticket(s) using your Platinum Cheque Card subscription to ebucks Rewards* The ability to earn ebucks for swiping your card, shopping online, shopping internationally, shopping at Checkers & Shoprite, filling up with fuel, using Uber domestically, having an FNB Connect contract, purchasing FNB Connect prepaid airtime, purchasing other networks prepaid airtime and prepaid electricity electronically through FNB or when you send or receive foreign currency through FNB Forex Earn up to 1% back in ebucks when you swipe your Platinum Cheque Card when shopping and up to 2% back when you shop online or internationally Earn up to 15% back in ebucks when you fill up with fuel, use Uber domestically or shop at Checkers & Shoprite with your Platinum Cheque Card Earn up to 40% back in ebucks on your qualifying FNB Connect contract or when purchasing FNB Connect prepaid airtime The freedom of spending your ebucks on almost anything: fuel, electronics, appliances, travel, books, CDs, DVDs, flowers, outdoor equipment, fashion you name it Get up to 40% discount on selected items from the ebucks Shop as well as up to 40% off local and international flights and domestic car hire through ebucks Travel**. This means that the more ebucks you earn, the more you save when you spend your ebucks while getting a discount on your purchase at the same time. Sounds like a no-brainer to us! Get up to 100% discount on your Uncapped ADSL Data subscription through FNB Connect Access to the latest smartphone, tablet or laptop at discounted prices over a 24-month period with 0% interest The drafting and registering of your Trust Deed Access to SLOW Domestic Lounges and SLOW International Access to SLOW in the City To best optimise your ebucks earnings, having an Encore Platinum Cheque Account in conjunction with a Platinum Credit Card is the way to go. This will mean that you can move up your ebucks Rewards level more quickly and earn more ebucks. Terms Conditions and Rules apply. * For more on ebucks Rewards, go to ** Discounts exclude all taxes.

4 FNB is able to offer you, as an Encore Platinum customer, the Comprehensive Pricing Option. Comprehensive Pricing Option FNB s Comprehensive Pricing Option offers Encore customers the opportunity to bank for. If you are able to maintain a balance of R or more in your cheque account at all times, you will receive the following monthly benefits: Pay no monthly account fee Unlimited qualifying electronic transactions using Online Banking, Telephone Banking and the FNB Banking App for transactions like debit orders, card purchases, payments and transfers Draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills of fees Six FNB ATM withdrawals One FNB ATM cash deposit A combination of ten branch, cheque and Telephone Banking transactions For fees relating to the previously available Unlimited and Standard Pricing Options, please log in to FNB Online Banking and refer to your 2015/2016 pricing letter. To switch to the Comprehensive Pricing Option or for more information, call or visit your nearest FNB branch. Monthly Platinum Cheque Account R Minimum Balance for Monthly Account Fee to be waived R Monthly Overdraft Fee (only pay when you use R 200 or more of your overdraft) Rebate on monthly overdraft Fee (when you have not used more than your overdraft limit) Subscription to incontact, Online, Cellphone, Telephone Banking and FNB Banking App R R22.00 Your Monthly Account Fee will also include Card Purchases* Prepaid Purchases using electronic channels Electronic Payments and Transfers Debit Orders Cash Withdrawals at Cash@Till FNB Slimline Withdrawals Linked Savings Account (Savings Pocket) *2.75% Commission and Currency Conversion Fee charged on International Card Purchases If you are able to maintain the minimum balance of R in your cheque account, you will also receive the following transactions Transaction Type Number of Transactions per month A combination of FNB Branch, Cheque and Telephone Banking Transactions* 10 FNB ATM Cash Withdrawals 6 Cash Deposits at FNB ATM 1 *Excludes deposits performed at FNB Branches Please note that any transactions not included or in excess of the limits above will be charged for as per the table below Other fees Monthly fees Petrol Card R 15.50

5 Cash Withdrawals FNB ATM R R 1.30 per R 100 Other Banks' ATM R R 1.30 per R 100 International ATM (Additional 2.75% Commission and Conversion fee applies) R FNB Branch/ Cheque R R 1.65 per R 100 International Branch (Additional 2.75% Commission and Conversion fee applies) R R 1.65 per R 100 Linked Account Transfers Into linked Savings Account (Savings Pocket) Telephone Banking (Consultant Assisted) R50.00 FNB Branch R50.00 Payments Telephone Banking (Consultant Assisted) R50.00 FNB Branch & Cheques issued R50.00 Bank Cheque R Cancel Debit Order (Stop Payment) Online or Mobile Channels R 5.00 Telephone Banking (Consultant Assisted) R Branch R Scheduled Payment Related (Establishment and Amendment) Online Branch R12.00 Deposits Cash Deposit at FNB ATM R 0.70 per R 100 (Min R 5.50) Cash Deposit at FNB Branch R 1.65 per R 100 (Min R50.00) Cheque Deposit at FNB Branch and ATM R ENC Upliftment Fee and Special Clearance R Prepaid Airtime Purchases Other Prepaid Airtime using echannels & Mobile Channels R1.10 Other Banks ATM or Telephone Banking (Consultant Assisted) R9.00 Other Banks ATM R9.00 Balance Enquiries Using echannels & Mobile Channels Point-of-Sale R 1.50 Other Banks ATM, International Point-of-Sale, Branch or Telephone Banking (Consultant Assisted) R 5.00 *A service fee charged for each payment honoured where there is not enough money in your transactional account.

6 Statements Current Month ed Statement Cellphone Banking Mini Statement FNB ATM Transaction List R 3.00 Posted Statement Historical Statements older than 3 months - Online Banking ing of Statements - Branch and Telephone Banking Printing of Statements - Branch and Telephone Banking R (per statement) R 6.00 (per statement) R (per statement) R (per page) Unsuccessful Transactions (Insufficient Funds) FNB ATM Point-of-Sale, Scheduled Payment,EDO and Other banks ATM R 8.00 Insufficient funds fee (Returned item Cheque or Debit order) Payment Honouring Fee* (Value of payment R 0 R 1 000) Payment Honouring Fee* (Value of payment R ) R for the first three items, thereafter R138 per subsequent item within 12 months R per Item R per Item Card Replacement Visa Cheque Card/ Chip & PIN Card R FNB Petrol Card R Credit Monthly Revolving Loan Fee R Cheque Book Pocket 40 Form R Copies of Vouchers (Deposit Slips and Cheques) Online Banking Branch and Telephone Banking (Consultant Assisted) R Convenience and Value Added Services Buy LOTTO /Powerball R 1.75 Pay TV prepaid purchase R 1.75 Multichoice Payments R 5.00 Pay & Clear Now R Cardless Cash Withdrawals R 5.00 Send Money Send Money to an ewallet R 9.50 Reversal of Send Money to ewallet R Send Money to Zimbabwe/ Mozambique Value: R R R Value: R R R Value: R R R

7 Additional Statements (Fee per Month) Daily R Online Weekly R Twice Monthly R Daily R Paper Weekly R Electronic Subscriptions Services (fee per month) Twice Monthly R My Limit Alert Scheduled Payment Alert R3.00 Balance Alert (fee per month) Monthly R 1.00 Weekly R 3.00 Daily R Payment Notifications R 0.74 SMS R 1.15 Fax R 5.50 Other Card Courier Fee Cheque Book Courier R Online Banking Password Reset Telephone Banking (Consultant Assisted) R 4.60 Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) R Optional Roadside Assistance R 6.00 Online Banking Payment history (older than 3 months) R 4.60 Online Banking Account Verification Fee (FNB and other banks accounts) R 4.60

8 Platinum Credit Card R69 p/m Inc. Credit Facility Service Fee Today, credit cards are not just about getting credit. They re about creating a life. Rather than just a plastic picture of access to extra, they have become a representation of the real world. A credit card and especially one from FNB has become the ultimate lifestyle leverage opportunity, a way into the world, a world where reality and rewards meet, where buying and benefits speak to each other. In a customer-centric context, Bank Access to the 24/7 Platinum Call Centre with its dedicated team of Premier Bankers to cater to your day-to-day banking requirements, reducing your need to go into the branch Unlimited swipes when you use your Platinum Credit Card to pay subscription to incontact. This means we ll SMS you every time more than R 100 goes out of or into your account subscription to Online Banking, Cellphone Banking, Telephone Banking and the FNB Banking App balance enquiries using Cellphone Banking, Online Banking and the FNB Banking App ed monthly statements lost card protection and PIN replacement Auto Payment, offering you the convenience of having your account paid on time each month The ability to make secure payments with your Chip & PIN Credit Card Protection from unauthorised online transactions with Online Secure, giving you a One Time PIN (OTP) to protect your card s exclusivity Automatic Debt Protection to settle your outstanding credit card debt in the event of death or permanent disability, with the option to sign up for FNB s Top-up Debt Protection Plan, for which there is a charge you get to imagine and innovate in your everyday life as well as initiate change in the world around you. You can best do this with an FNB Platinum Credit Card. Save Personalised and competitive debit interest rates based on your personal risk profile Borrow Up to 55 days interest- credit Personalised and competitive debit interest rates

9 ed monthly statements delivery of your Platinum Credit Card to your home or office AA Emergency Roadside Assistance with a linked Petro Card Earn ebucks for doing everyday things like paying with your card Live delivery of your Platinum Credit Card to your home or office Comprehensive Global Travel Insurance, covering you locally and internationally, when you purchase your return travel ticket(s) using your Platinum Credit Card AA Emergency Roadside Assistance with a linked Petro Card Take Me Home, a designated driver service on your linked Platinum Petro Card and standalone Petro Card subscription to ebucks Rewards* if you hold an FNB Platinum Cheque Account and a Platinum Credit Card The ability to earn ebucks for doing everyday things like swiping your card, shopping online, shopping internationally, shopping at Checkers & Shoprite, filling up with fuel, using Uber domestically, purchasing prepaid airtime and prepaid electricity electronically through FNB or when you send or receive foreign currency through FNB Forex Earn up to 2% back in ebucks when you swipe your Platinum Credit Card when shopping and up to 4% back when you shop online or internationally Earn up to 15% back in ebucks when you fill up with fuel, use Uber domestically or shop at Checkers & Shoprite with your Platinum Credit Card The freedom to spend your ebucks on almost anything: fuel, electronics, appliances, travel, books, CDs, DVDs, flowers, outdoor equipment, fashion you name it Get up to 40% discount on selected items from the ebucks Shop as well as up to 40% off local and international flights and domestic car hire through ebucks Travel**. This means that the more ebucks you earn, the more you save when you spend your ebucks while getting a discount on your purchase at the same time. Sounds like a no-brainer to us! The opportunity to purchase FNB s Lifestyle Protector, providing lifestyle cover for your loved ones in the event of your death or permanent disability Access to SLOW Domestic Lounges and SLOW International Access to SLOW in the City Protection with Online Secure, giving you a OTP to protect your card s exclusivity To best optimise your ebucks earnings, having a Platinum Cheque Account in conjunction with a Platinum Credit Card is the way to go. This will mean that you can move up your ebucks Rewards level more quickly and earn more ebucks. Terms, Conditions and Rules apply * For more on ebucks Rewards, go to **Discounts exclude all taxes Platinum Credit Card per month Credit Card Monthly Account Fee R Credit Facility Service Fee R Additional Card (per card linked to account) R Linked Petro Card (per card linked to account) R Initiation Fee (once-off) R

10 Standalone Petro Card per month Credit Card Monthly Account Fee R Credit Facility Service Fee R Additional Card (per card linked to account) R Initiation Fee (once-off) R Credit Card Monthly Account Fee is the cost charged monthly for the administration and maintenance of your Credit Card Account Credit Facility Service Fee is the cost charged monthly for the routine administration and maintenance of maintaining your Credit Facility Credit Card Monthly Account and Credit Facility Service are not negotiable Purchases Credit Card Purchases Credit Card Budget Purchases Commission and Currency Fee on International Card Purchases 2.75% Fuel Transaction Fee (Petro Cards only) R 5.00 Cash Withdrawal FNB ATM R R 1.30 per R 100 Other Banks' ATM R FNB ATM Fee FNB Mini ATM R R 1.30 per R 100 Branch (includes all Financial Institution Branches and the Purchase of Foreign Exchange) R R 1.65 per R 100 Cash on Budget R % of withdrawal value International*(ATM and Branch) R R 1.65 per R 100 Deposits Cheque Deposits R FNB ATM with Automated Deposit Terminal (ADT) R 0.70 per R 100 (R 5.50 minimum) Cheque Clearance Fee R FNB Branch and FNB ATM with envelope deposits R 1.65 per R 100 (R 50 minimum) * International Currency Commission and Conversion Fee of 2.75% of the transaction value applies for international purchases. This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATM s charge an additional surcharge. Linked Account Transfers & Account Payments IVR Smart Transfer to FNB Linked Account Transfers R 3.50 Third Party Payments R 7.00 Telephone Banking (Consultant Assisted) R Transfers and Payments at Branch R Voucher Retrieval Requests per month Local R International R

11 Other Declined Transaction Fee R 8.00 Bank Cheque Administration Fee R Card Replacement Fee (per card) (standard 3-day delivery) R Fast-track Card Replacement Fee (per card) (24-hour delivery on request) R Card delivery to nearest FNB Branch Card courier personal delivery Section 129 Letter Fee R Credit Card Monthly Rewards Fee Convenience R per month Send money to an ewallet (R 20 - R 3000) R 9.50 Reversal of incorrect "Send money to FNB ewallet" transaction R Cardless cash withdrawal R FNB ATM fee Pay2Cell R 3.80 LOTTO /Powerball Purchase R 2.20 Prepaid Transaction Fee (FNB ATM, Cellphone, Online & Telephone Banking) R 2.20 Uncapped ADSL Fee R 2.20 Important Information The above pricing is inclusive of VAT Interest rates are personalised and appear on the credit card statement Visit our website at for a copy of the Terms and Conditions that govern our agreement Should you require further information on any credit card products or services, please contact Credit Card Customer Enquiries on If your Credit Facility goes into arrears, you will be liable for collection fees in accordance with the National Credit Act The Small Print FNB s Small Print is straightforward. Here we go: Information on our products and prices FNB, a division of FirstRand Bank Ltd., be held responsible if an error or reserves the right to change fees or omission is found. introduce new fees from time to time. You must apply for each facility If we do this, though, we ll give you at or product individually. least 20 business days notice of The grant of any facility or product is these changes. You ll find changes subject to you meeting the qualifying on or on FNB ATMs. criteria of that product or facility. We strive to keep the information Each facility or product has a set of provided in the pricing guide as terms and conditions for that specific accurate as possible, and we will not facility or product. We agree on these terms and conditions with the applicant. If there is disagreement between the product or facility-specific terms and conditions and what s outlined in this pricing guide, we ll follow the product or facility-specific terms and conditions that apply to such a facility or product. The Bank reserves the right to change the features of any product or facility at any time. quoted as per R 100 or per R 500 include parts thereof. When Cellphone Banking is referred to, standard network rates apply. All fees quoted are VAT inclusive and are effective from 1 July 2015 to 30 June The fees included here are not all of FNB s fees. For all the fees on this account, please go to First National Bank, a division of FirstRand Bank Ltd, is an Authorised Financial Services Provider. Terms, Conditions and Rules apply. Standard network rates apply. Standard terminology If you want to compare FNB s fees with those of other banks, we have, as far as possible, used standard terminology throughout this pricing guide. This is in line with Section 13 of the Code of Banking Practice (COBP). In the case where we ve used FNB-specific terminology, we ve added this here showing the wording that other banks may use. So, FNB s term as per this pricing guide is Card Purchase, while the standard terminology is Card Transaction ; FNB s term is Payment, while the standard terminology equivalent is Third Party Payment/Stop Order. FNB uses the term Slimline Devices whereas other banks might call them Mini ATMs. FNB uses the term echannels, which refers to FNB Online Banking, Cellphone Banking, Telephone Banking Interactive Voice Response (IVR) and FNB ATMs. FNB s Mobile Channels refer to Cellphone Banking and the FNB Banking App.