{"id":5418,"date":"2026-06-03T07:14:40","date_gmt":"2026-06-03T07:14:40","guid":{"rendered":"https:\/\/www.fintechpulse8.com\/?p=5418"},"modified":"2026-06-03T07:14:40","modified_gmt":"2026-06-03T07:14:40","slug":"fnb-ebucks-eases-earn-rules-after-tightening-requirements-in-november","status":"publish","type":"post","link":"https:\/\/www.fintechpulse8.com\/?p=5418","title":{"rendered":"FNB eBucks eases earn rules after tightening requirements in November"},"content":{"rendered":"

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FNB has tweaked its eBucks rewards earn rules from July to make it somewhat easier to move up reward levels across the programme.<\/p>\n

Firstly, it has reduced the reward level points needed to attain certain of the higher tiers, and it has also added or boosted the ways in which reward level points can be earned for certain actions.<\/p>\n

Read:<\/p>\n

Absa boosts fuel rewards \u2013 will eBucks, uCount follow?<\/div>\n
FNB really, really tightens the screws on eBucks with sudden changes<\/div>\n

Pieter Woodhatch, CEO of eBucks, says he believes \u201cthis is probably one of our strongest investments into eBucks and to our client base that we\u2019ve ever announced\u201d.<\/p>\n

To reach Level 3 or Level 5 now requires 500 fewer reward level points (8 000 and 11 000 points respectively), while the requirement for Level 4 now needs 1 000 fewer points than under last year\u2019s changes.<\/p>\n\n\n\n\n\n\n\n\n
\u00a0<\/strong><\/td>\n1 November 2025<\/strong><\/td>\n1 July 2026<\/strong><\/td>\nDifference<\/strong><\/td>\n<\/tr>\n
Level 5<\/td>\n11 500<\/td>\n11 000<\/td>\n500 reward level points<\/td>\n<\/tr>\n
Level 4<\/td>\n10 500<\/td>\n9 500<\/td>\n1\u00a0000 reward level points<\/td>\n<\/tr>\n
Level 3<\/td>\n8 500<\/td>\n8 000<\/td>\n500 reward level points<\/td>\n<\/tr>\n
Level 2<\/td>\n4 500<\/td>\n4 500<\/td>\nNo change<\/td>\n<\/tr>\n
Level 1<\/td>\n0<\/td>\n0<\/td>\nNo change<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Woodhatch says: \u201cWe anticipate a 35% increase in clients into Level 3 [this year], which is a massive jump for us, you know, and a 55% increase into Level 4. So we\u2019re really starting to see clients engaging and moving up rewards levels.\u201d<\/p>\n

Following a number of changes made in November, which removed what could be termed as so-called \u2018easy\u2019 ways to attain reward level points, it has now adjusted some of these behaviours upwards.<\/p>\n

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From July, engaging with two sections of the FNB app \u2013 the eBucks tab as well as nav\u00bb Money \u2013 will net a customer 500 points each, up from the current 250 points.<\/p>\n

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These points for such simplistic actions were cut from 1 000 each prior to the November changes.<\/p>\n

It has added additional requirements to each of these from July. Not only does a customer need to view the \u2018Track my rewards\u2019 tab in the eBucks section of the app, they must also view a new \u2018Earn more\u2019 tab. This will net them the 500 points.<\/p>\n

And, under nav\u00bb Money, they now need to engage with two or more of the following tools: my net worth, credit status, or track my spend, or have at least three budget categories set up in Smart Budget and access their Smart Budget every month. This is another 500 points per month.<\/p>\n\n\n\n\n\n\n
FNB Private (Premier, Private Clients, Private Wealth)<\/strong><\/td>\n1 November 2025<\/strong><\/td>\n1 July 2026<\/strong><\/td>\n<\/tr>\n
View the \u2018Track my rewards\u2019 and \u2018Earn more\u2019 tabs on the FNB app every month<\/td>\n250<\/td>\n500<\/td>\n<\/tr>\n
nav\u00bb Money *<\/td>\n250<\/td>\n500<\/td>\n<\/tr>\n
Use your Virtual Card for 80% of your qualifying in-store and online spend in a calendar month<\/td>\n500<\/td>\n\u2013<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

* There are additional engagements that a customer must perform to net the 500 points.<\/em><\/p>\n

However, this is offset by the fact that reward level points are no longer earned \u2013 at all \u2013 for virtual card spending. It trimmed this (for primary spend (>80%) on virtual card in-store and online each month) from 1 500 points to 500 points in November.<\/p>\n

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Along with the rewards points changes, it has trimmed the amount of eBucks customers can earn with Smart Spend from July.<\/p>\n

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CONTINUE READING BELOW<\/p>\n<\/div>\n<\/div>\n<\/blockquote>\n

Smart Spend tracks your spending and you are rewarded based on certain spending amounts throughout the month.<\/p>\n

For example, if you spend R16 000 on your credit card and are on Level 4, you currently earn eB750 (R75) plus eB1 000 (R100), subject to certain qualifying behaviour related to virtual card spend. From July, the same level of spend will earn eB600 plus eB900 \u2013 a total of eB1 500 (or R150), a reduction of 15%.<\/p>\n

This extends across the different reward levels and spending thresholds for Smart Spend, but the maximum one will now be able earn on Level 5, at the maximum threshold (R40 000 of spend) is 40% below the current level.<\/p>\n

Read: Beware eBucks rule that could leave you stranded on Level 3<\/p>\n

FNB has added additional reward level points for Islamic banking, as well as Islamic savings or vehicle finance products. This will assist those customers to reach higher reward levels than they have been able to previously.<\/p>\n

A typical Premier, Private Clients, or Private Wealth customer (with a home loan) who doesn\u2019t hold additional insurance, investment, loan, or global account products (with qualifying balances\/engagement levels) would be able to, rather easily, get very close to Level 3:<\/p>\n

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  • Income and debit transaction requirement: 2 500 points<\/li>\n
  • Credit card: 1 000 points<\/li>\n
  • Pay bills: 500 points<\/li>\n
  • Track my rewards + Earn more: 500 points<\/li>\n
  • Health credit status: 500 points<\/li>\n
  • nav\u00bb Money engagement: 500 points<\/li>\n
  • Home loan: 1 000 points<\/li>\n
  • nav\u00bb Home engagement: 500 points<\/li>\n
  • = 7 000 points<\/li>\n<\/ul>\n

    To get to Level 4, which requires 8 000 points, they could either convert their account to a Fusion account (in which case the credit card\/account points awarded increase to 2 000 points), or they could open a savings account and contribute more than R2 750 a month into it.<\/p>\n

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    CONTINUE READING BELOW<\/p>\n<\/p><\/div>\n<\/div>\n

    From July, FNB is doubling the number of points one would earn from this (500 points) if you set up a scheduled transfer (much like a debit order). That would get you to Level 4, rather simply.<\/p>\n

    If both of these actions are completed (a Fusion account and a scheduled transfer), you would get to 10 000 reward level points, which is \u2018only\u2019 1 000 away from Level 5.<\/p>\n

    One easy way to get there would be to make FNB Connect purchases of more than R500 per month (for airtime, electricity, or vouchers) and then to consider their savings or investment account balances. Another option would be a funeral plan under its insurance pillar (500 points), or family-related points for having the family construct all on FNB.<\/p>\n

    Read:<\/p>\n

    Standard Bank uCount, FNB eBucks also boost fuel rewards<\/div>\n
    Fuel loyalty race intensifies as motorists chase every cent<\/div>\n
    FNB, Pick n Pay unlock R600m in rewards through retail banking push<\/div>\n

    Interestingly, Woodhatch says that \u201cMarch was the first month in eBucks\u2019 history (it was founded in 2000) when eBucks \u2018burn\u2019 outstripped \u2018earn\u2019. I think that\u2019s also a testament to clients [who] are struggling out there.\u201d<\/p>\n

    It is entirely probable that many eBucks customers are offsetting the sharp increase in fuel prices by using their rewards.<\/p>\n<\/p><\/div>\n

    #FNB #eBucks #eases #earn #rules #tightening #requirements #November<\/p>\n","protected":false},"excerpt":{"rendered":"

    FNB has tweaked its eBucks rewards earn rules from July to make it somewhat easier to move up reward levels across the programme. Firstly, it has reduced the reward level… <\/p>\n","protected":false},"author":1,"featured_media":5419,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[7911,7910,7909,777,516,7913,207,7912],"class_list":["post-5418","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","tag-earn","tag-eases","tag-ebucks","tag-fnb","tag-november","tag-requirements","tag-rules","tag-tightening"],"_links":{"self":[{"href":"https:\/\/www.fintechpulse8.com\/index.php?rest_route=\/wp\/v2\/posts\/5418","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fintechpulse8.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fintechpulse8.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fintechpulse8.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fintechpulse8.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5418"}],"version-history":[{"count":0,"href":"https:\/\/www.fintechpulse8.com\/index.php?rest_route=\/wp\/v2\/posts\/5418\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fintechpulse8.com\/index.php?rest_route=\/wp\/v2\/media\/5419"}],"wp:attachment":[{"href":"https:\/\/www.fintechpulse8.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5418"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fintechpulse8.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5418"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fintechpulse8.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5418"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}