Private Wealth Account
Points required for level 5
14 500+
Annual Discount Cap
R20 000
Device Discount
Up to 100% back monthly
On devices up to R24k over 24 months
On devices up to R24k over 24 months
Card Type
Visa Signature
Monthly Easy Wins (10,000 - 11,000 Points)
| Action | Notes | Points |
|---|---|---|
| Have a minimum monthly deposit of R60,000 (excluding inter-account transfers) into your FNB Private Wealth Fusion or Current Account. OR Initiate at least 10 debit transactions per month on your account. | 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). | 3000 |
| 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 5 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 10 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 - R1500:
500 R1500+: 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/RMB Private Bank 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/RMB Private Bank App or speak to your banker. Your spouse/partner must verify the relationship via the app and must have an aligned, active FNB/RMB Private Bank account. | Your accounts will remain separate and you will both earn points for this rule. | 1000 |
Device Discount
- Spend a minimum monthly amount of R15 000 on your FNB Private Wealth Virtual Credit Card and/or Fusion Virtual Card
- Purchase a device from the eBucks Partner Shop via selected partners and opt in to the device benefit during checkout
- Pay for the device with your FNB Private Wealth Credit or Fusion Card
- Your Credit Card transaction will be moved to your budget facility for a term of 24 months