Premier Account

Points required for level 5

11 000+

Annual Discount Cap

R5 000

Device Discount

Up to 40% back monthly
On devices up to R12k over 24 months

Card Type

Visa Platinum

Monthly Easy Wins (9,000-10,000 Points)

Action	Notes	Points
Have a minimum deposit of R16.5k OR do 10+ debit transactions	Deposit includes the payment of your salary, other payments or drawings and specifically excludes (but are not limited to) any inter-account transfers and PayShap or Instant payments. Transfers from mandated accounts will be classified as inter-account transfers (with the exception of spousal accounts).	2000
Have at least 3 budget categories setup in Smart budget and access your Smart Budget every month OR Engage with My Net worth monthly OR Engage your Credit status monthly.	Engage via one or more of these channels: navi-gate life > nav» Money > Click on Smart budget or My net worth or Credit status FNB Accounts page > Credit card transaction history > Click on Credit status FNB Accounts page > Click on the money panel (Smart budget/My net worth)	Engage with 1: 500 Engage with 2 or more: 1000
Make at least 3 Real Time Payments every month.	Use the Instant Payment and/or PayShap option under the Pay tab on the FNB App. A transaction amount of more than R100 is required.	1000
Do at least 6 financial transactions per month via the FNB App.	These include: FNB Pay transactions (Scan to Pay and Checkout), Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay and SwatchPAY!.	500
Maintain a healthy credit status with nav» Money with a status in Light Green or Dark Green.	-	500
View the 'Track my rewards' tab on the FNB App every month.	Visit the 'eBucks' tab, select 'Earn', then 'Track my rewards'.	1000
Pay your bills using FNB Pay Bills on the FNB App every month.	These include municipal rates and taxes, electricity, mobile device accounts, subscriptions and more. Only applies to EasyPay and Pay@ bills.	R250 - R500: 500 R500+: 1000
Use your Virtual Card for 80% of your qualifying online spend in a calendar month.	-	2000
Use your Virtual Card for 80% of your qualifying in-store spend in a calendar month.	Add your Virtual Card to Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay or SwatchPAY! to make contactless payments in-store, or use FNB Scan to Pay and choose your Virtual Card as your payment card.	1000

Quarterly Easy Wins (500 Points)

Action	Notes	Points
Manage your property or use one of the available services under the nav» Home tab on the FNB App once a quarter.	Visit the 'nav-igate life' tab then select 'nav» Home'. Quarters will run from 1 July to 30 September (Q1); 1 October to 31 December (Q2); 1 January to 31 March (Q3) and 1 April to 30 June (Q4). In order to enjoy this benefit monthly, nav» Home should be accessed in the beginning of each quarter.	500

Once-off Easy Wins (2000 - 3000 Points)

Action	Notes	Points
Have an active FNB Fusion account with a credit limit and an active card OR Have an FNB Credit Card account with a credit limit and an active card*	Double points if you have both. *Active card = active Virtual Card/Physical Card Add your Virtual Card to Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay or SwatchPAY! to make contactless payments instore, or use FNB Scan to Pay and choose your Virtual Card as your payment card.	Fusion OR Credit Card: 1000 Fusion AND Credit Card: 2000
Add your spouse/partner under the 'My family' tab on the FNB App or speak to your banker. Your spouse/partner must verify the relationship via the app and must have an aligned, active FNB Premier account.	Your accounts will remain separate and you will both earn points for this rule.	1000

Device Discount

Be on reward level 3 or higher
Spend a minimum monthly amount of R5 000 on your FNB Premier Virtual Credit Card and/or Fusion Virtual Card
Purchase a device on the eBucks Partner Shop on the FNB App and opt in to the device benefit during checkout
Pay for the device with your FNB Premier Credit Card or FNB Fusion Premier Card. The transaction will be moved to your budget facility for a term of 24 months at an interest rate of prime +2%