eBUCKS REWARDS PROGRAMME TERMS & CONDITIONS

Last updated 01 September 2023

IMPORTANT: We specifically draw Your attention to the following crucial provisions, which We require You to read and agree to prior to concluding any transaction or interacting in whatsoever way with the eBucks Rewards Programme:

  • Our DISCLAIMERS, WARRANTIES and LIMITATION OF LIABILITY PROVISIONS as contained on our Website; and
  • Our PRIVACY POLICY as contained on our Website; and
  • All those provisions in the below Terms and Conditions which have both been highlighted and are preceded by the word "IMPORTANT", as was done with the contents of this entire section.
  • All words starting with capital letters have further been defined in the DEFINITIONS clause at the end of Our Terms and Conditions.
  • Nothing herein contained shall limit or exempt a supplier of goods or services from liability for any loss directly or indirectly attributable to the gross negligence of the supplier or any person acting for or controlled by the supplier, as envisaged in Section 51(1)(c)(i) of the Consumer Protection Act.
  • Nothing herein contained shall limit or exempt a producer, importer, distributor or retailer from liability for harm or damage caused by goods, as envisaged in Section 61 of the Consumer Protection Act.
  • If any of our Terms and Conditions conflict with the provisions of the Consumer Protection Act, the latter shall prevail.
  • We are committed to the provisions and the spirit of the Consumer Protection Act. As it is new law difficulties concerning the interpretation and the application of the law will inevitably arise. We invite you to contact our Contact Centre on 087 320 3200 if you feel that we have not complied with the spirit or the letter of the law so that We can take corrective action, if required.
  • These Terms and Conditions must be read with our DISCLAIMERS, WARRANTIES AND LIMITATION OF LIABILITY PROVISIONS, PRIVACY POLICY, FNB GENERAL TERMS AND CONDITIONS and any PARTNER SPECIFIC REWARDS TERMS AND CONDITIONS. The FNB PRIVATE WEALTH REWARDS TERMS AND CONDITIONS can be accessed at www.fnb.co.za. The RMB PRIVATE BANK REWARDS TERMS AND CONDITIONS can be accessed at www.rmbprivatebank.com.
  • These EBUCKS REWARDS PROGRAMME TERMS AND CONDITIONS will prevail in the event of any inconsistencies with PARTNER SPECIFIC REWARDS TERMS AND CONDITIONS.

General

Discontinuance of the FNB Flexi-Fixed Account offer

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Competitions

Campaigns

eBucks Card

eBucks Shop

Discounts in the eBucks Shop

eBucks Partners

eBucks Travel

eBucks Rewards for Business

Personal Segment

Definitions

We are committed to the provisions and the spirit of the Consumer Protection Act. As it is new law difficulties concerning the interpretation and the application of the law will inevitably arise. Our We invite you to contact our Contact Centre if You feel that we have not complied with the spirit or the letter of the law so that We can take corrective action if required.

General

ACCEPTANCE

The eBucks Rewards Programme is brought to You ("the Member", "the Business") by eBucks ("Us", "We"), which is a business unit of First National Bank, a division of FirstRand Bank Limited. "We" or "Us" will also refer to RMB Private Bank which is a division of FirstRand Bank Limited.

These Terms and Conditions constitute an agreement between You and Us and govern Your and Our rights and obligations once You register for the eBucks Rewards Programme and/or each time You access or use the eBucks Rewards Programme.

By using the eBucks Rewards Programme, You acknowledge that You have read, understood and agreed to these Terms and Conditions, and that You have consented to Us sharing certain of Your personal or Your Business information within Our Affiliates in the ordinary course of Our business.

IMPORTANT: Kindly note that all words/terms which start with a capital letter have further been defined in the DEFINITIONS clause which You can find at the end of these Terms and Conditions.

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eBUCKS IS FOR FREE

eBucks is for free in that We will not charge You:

  • to earn eBucks*;
  • a joining fee; or
  • any periodic or annual membership fees.

* Two of the Partners, FNB and RMB Private Bank, may charge You a Credit Card Monthly Rewards Fee.

In addition to operating the eBucks Rewards Programme We also render additional services to Our Members. We may therefore also charge You transaction, service and delivery fees in eBucks or in Rand on certain transactions on Your eBucks Account, as explained elsewhere in these Terms and Conditions and on the Website.

An itemised breakdown of all Our fees is included in the fees and charges section elsewhere in these Terms and Conditions. This includes a Account Maintenance Charge from Your eBucks Account should You fail to earn or spend eBucks on Your relevant eBucks Account for a period of 6 (six) months, which amount is utilised to cover the costs of maintaining Your eBucks Accounts on Our system. The Account Maintenance Charge is explained elsewhere in these Terms and Conditions.

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RULES RELATING TO THE EARNING OF eBUCKS

The Partners regulate and determine:

  • the rate at which You may earn eBucks; and
  • the criteria that You are required to comply with in order to qualify to earn and continue earning eBucks, other than those requirements specified in these Terms and Conditions.
  • the rules regarding the backdating of eBucks earned, which may not be for a period exceeding 6 (six) months.

Should Your purchase from a Partner entitle You to any discount, or the earning of any loyalty credits, awards, rewards, points, miles or the like from the Partner relating directly or indirectly to any loyalty or rewards programme other than the eBucks Rewards Programme, then, depending on the Partner's rules, you may not be entitled to earn any eBucks on that transaction.

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RULES RELATING TO THE SENDING OF eBUCKS

You can send Your eBucks to another Member's Personal eBucks Account. Personal Members can send eBucks from their Personal eBucks Account to another Personal eBucks Account. Business Members can send eBucks from their Business eBucks Account to a Personal eBucks Account. Business members cannot send eBucks from their Personal eBucks Account to a Business eBucks Account or from one Business eBucks Account to another Business eBucks Account.

You can send Your eBucks by logging on to Our Website or FNB online banking and selecting the option to send Your eBucks. If You do not have access to the eBucks Website you can call the eBucks Contact Centre to assist You in sending Your eBucks.

Requests to send eBucks via the eBucks Contact Centre will be processed with two Business Days. By requesting the eBucks Contact centre agents to send Your eBucks to another eBucks Account, You hereby authorise Us to access Your eBucks Account and to attend to the transfer of the specified amount of eBucks requested to the designated eBucks Account on Your behalf.

The eBucks send online limit via Our Website or FNB online banking is R3500 (Three Thousand Five Hundred Rand) or eB35000 (thirty five thousand eBucks) from each eBucks Account per month. Send transaction limits will also apply to each online eBucks send transaction. The value of the send transaction limits will be determined by Us from time to time.

We will not be liable for any loss or damage which You, incur, suffer or attract (including, without limitation, any direct, indirect, special, incidental or consequential damages, whether arising out of contract, statute or delict or otherwise and regardless of whether we were expressly advised of the possibility of such loss or damage) arising as a result of:

  • Your mistake, including but not limited to duplicated transactions, when giving Us an instruction;
  • Errors in transfers of eBucks made when sending eBucks to other eBucks Accounts due to the input of incorrect information;
  • Sending eBucks to an incorrect eBucks Account;
  • Providing incorrect information to the eBucks Contact centre agents when instructing them to send eBucks for You;
  • Fraudulent eBucks transactions; as a result of mandates not being updated.

We are not responsible for the verification of the identity of the recipient eBucks Account holder. We cannot reverse or correct payments or transfers that You make to other eBucks Accounts without the specific consent of the recipient eBucks account holder.

Please refer to TAX IMPLICATIONS for further formation concerning the tax implications of sending eBucks.

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YOUR PERSONAL eBUCKS ACCOUNT AND BUSINESS eBUCKS ACCOUNT

Since We have eBucks Rewards Programme offerings for both an individual and a Business, We have specific rules relating to the use of Your eBucks Accounts. If You have both a Personal eBucks Account and a Business eBucks Account ("eBucks Accounts"), You may not, for tax purposes, merge these two accounts, as they need to remain separate and distinguishable from each other. You also may not send eBucks between a Business eBucks Account and a Personal eBucks account or between two Business eBucks Accounts, but you may send eBucks from a Business eBucks Account to a Personal eBucks Account. You may also not purchase any goods and/or services by utilising eBucks from Your Personal eBucks Account and eBucks from Your Business eBucks Account as a combined payment for such goods and/or services.

You may also never have a negative balance in either of Your eBucks Accounts, unless We debit Your eBucks Account due to incorrect eBucks allocated to Your eBucks Account, We failed to deduct the required eBucks from Your eBucks Account, We incorrectly debited Your eBucks Account for whatsoever reason or we debit Your eBucks Account due to You making an unauthorised transaction on Your eBucks Account and You do not have sufficient eBucks in Your eBucks Account. If for the aforementioned reasons Your eBucks account is in a negative balance where the last earn date is greater than 6 months, your account will be immediately closed.

eBucks earned relating directly or indirectly to any business activity, business entity or a Member's business interests may only be allocated to a Business eBucks Account.

You may not link your Personal eBucks Account and your Business eBucks Account for purposes of the eBucks Rewards Programme.

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ACCESS CODES

For security, identification and verification purposes, when You interact with the eBucks Rewards Programme, You will be required, depending on the nature of Your interaction activity, to enter one, or a combination of the following Access Codes: User ID, eBucks PIN, eBucks Business Card PIN and OTP.

  • UserID:

    Your UserID will be Your South African Identity Number or Your eBucks Personal Card Number.

    Your eBucks Business Card number may not be used as a UserID.

  • eBucks PIN:

    Your eBucks PIN is a 4 digit Personal Identification Number.

    Members with Personal eBucks Accounts as well as Businesses' Primary Members and Transactors will each be required to have their own unique eBucks PIN.

    If You are registering for the eBucks Rewards Programme via Our Website, then You will be required to select an eBucks PIN.

    If You register for the eBucks Rewards Programme by any other method We will generate Your eBucks PIN.

    If You forget Your eBucks PIN, then You may request Our eBucks Contact Centre to SMS it to Your Selected Cell Phone Number.

  • eBucks Business Card PIN:

    Your eBucks Business Card's 4 digit Personal Identification Number.

    You will use Your eBucks Business Card PIN only for purposes of spending Your eBucks at Our Spend Partners' retail stores.

    Your Business' Transactor, will be required to log onto Our Website with his UserID and eBucks PIN, and then select an eBucks Business Card Pin.

    Our Contact Centre will not be able to send You a SMS reminding You of Your eBucks Business Card PIN If You forget Your eBucks Business Card PIN.

    Your Transactor will be required to log onto the eBucks Website and reset Your eBucks Business Card PIN.

  • OTP:

    A One Time Pin is a number that We will send to You by SMS to Your Selected Cell Phone Number to enable You to transact and to make certain changes on Our Website and to transact on Our Online Partners websites with eBucks.

    An OTP will be required when changing Your contact details, when changing Your eBucks PIN and eBucks Business Card PIN, when sending eBucks between eBucks Accounts, when updating OTP preferences, when Checking Out from the eBucks Shop and the eBucks Travel OBE, when transacting on Our Online Partners websites using eBucks and in any other instances that may be specified on Our Website from time to time.

    If Your FNB or RMB Private Bank credit card or cheque card has not been registered for Verified by Visa You will have to log into FNB Online Banking and register for Verified by Visa before you are able to receive your OTP to purchase goods and services in the eBucks Shop, using Your FNB or RMB Private Bank credit card or cheque card.

    If Your Qualifying Business Cheque Card has not been registered for Verified by Visa You (the cardholder) will have to log into Online Banking or Online Banking Enterprise™ and register for Verified by Visa before you are able to receive your OTP to purchase goods and services in the eBucks Shop, using Your Qualifying Business Cheque Card.

    If Your Selected Cell Phone Number is not the same as Your FNB or RMB Private Bank inContact cellphone number You will not be able to purchase goods and services in the eBucks Shop, using eBucks or Rand. You will have to contact the eBucks Contact Centre to change Your Selected Cell Phone Number to Your FNB or RMB Private Bank inContact cellphone number to enable You to purchase goods and services in the eBucks Shop.

    If You select to make payment in eBucks only and You have not received Your OTP within five minutes you may have it re–sent to Your Selected Cell Phone Number or to secondary cell phone number selected by You. If, when making payment in eBucks only, You enter an OTP incorrectly three times you will be logged out of Our Website and Your eBucks Account will be suspended. You will have to contact our Contact Centre to arrange for the suspension to be lifted.

    If You select to make payment in Rand or in eBucks and Rand and You have not received Your Verified by Visa OTP within five minutes you may have it re–sent to Your Selected Cell Phone Number. If You enter a Verified by Visa OTP incorrectly three times Your FNB or RMB card used for the online purchase will be blocked for online purchases and You will have to unblock it through FNB Online Banking or FNB Online Banking Enterprise™.

    If You have not received Your OTP within five minutes you may have it re-sent to Your Selected Cell Phone Number or to secondary cell phone number selected by You.

    If You enter an OTP incorrectly three times you will be logged out of Our Website and Your eBucks Account will be suspended.

    You will have to contact our Contact Centre to arrange for the suspension to be lifted.

You will be required to use Your Access Codes as follows:

  • Combined Use of both Your UserID and eBucks PIN:
    • Your User ID and eBucks PIN will be required when contacting the eBucks Contact Centre, when logging onto Our Website and when spending your eBucks on Our Online Partner's websites.
    • There will never be a reason for anybody, including Our staff, to know Your eBucks PIN and You should not disclose it to anyone.
    • To authenticate You, Our eBucks Contact Centre may put You through to a confidential interactive voice recording system, which will request You to directly key in Your eBucks PIN on Your phone
    • By keying in Your eBucks PIN You will not be disclosing Your eBucks PIN to Our eBucks Contact Centre agents.
  • Sole Use of Your eBucks PIN:
    • You will be requested to key in Your eBucks PIN when swiping Your eBucks Personal Card on Our Spend Partners' point of sale devices, which will enable You to spend Your eBucks in Our Spend Partners' retail stores.
    • There will never be a reason for anybody, including Our staff, to know Your eBucks PIN and You should not disclose it to anyone.
  • Sole Use of Your eBucks Business Card PIN:
    • You will be requested to key in Your eBucks Business Card PIN when swiping Your eBucks Business Card on Our Spend Partners' point of sale devices, which will enable You to spend Your eBucks in Our Spend Partners' retail stores.
    • There will never be a reason for anybody, including Our staff, to know Your eBucks Business Card PIN and You should not disclose it to anyone.
  • Use of Your OTP:
    • Once you have logged onto Our Website or onto our Online Partners websites an OTP will be required for the changes and transactions described in the OTP section above.
    • There will never be a reason for anybody, including Our staff, to know Your OTP and You should not disclose it to anyone.

You must take special care to keep Your Access Codes secret. For Members with Personal eBucks Accounts, only the individual Member may use the Access Codes. For Business eBucks Accounts, only the Primary Member and the Transactor may use their individually allocated Access Codes. Do not disclose Your Access Codes to any other person and do not keep them with other eBucks Rewards Programme documents. The individual Member, and in the case of a Business, the Primary Member or Transactor, are responsible for all transactions carried out using Your Access Codes.

We will send Your OTP's and eBucks PIN reminders notifications to Your Selected Cell Phone Number. It is Your sole responsibility to ensure Your Selected Cell Phone Number is correct and up to date.

You must immediately contact the eBucks Contact Centre on 087 320 3200 and request that they deactivate Your eBucks PIN and eBucks Business Card PIN if You suspect or know that Your Access Codes have been lost, stolen or compromised, or if Your Selected Cell Phone has been stolen, or if You suspect a fraudulent SIM swap. Any delay in notifying Us will be construed as negligence on Your part for which we will not be liable. You must keep any reference number the eBucks Contact Centre gives You as proof of the fact that You have notified Us of Your security risk.

We will not be responsible for any transactions that are performed without Your knowledge or consent or any loss You suffer as a result thereof, unless You are able to establish that the loss was caused by Our negligence

You must take all reasonable steps to prevent unauthorised use of the eBucks Card and Access Codes.

If You have, contrary to these Terms and Conditions, authorised any other person to use Your eBucks Card or Access Codes, it will be Your responsibility to retrieve Your eBucks Card or alternatively on Our written demand destroy Your eBucks Card . When destroying Your eBucks Card, You must cut through the magnetic strip and card number so that Your eBucks Card cannot be used again. You must provide Us with proof, as required by Us, of the destruction of Your eBucks Card.

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ELIGIBILITY FOR THE eBUCKS REWARDS PROGRAMME

As from 31 May 2016, in order to join as a Personal Member of the eBucks Rewards Programme You need to produce and provide Us with either a valid South African identity number or a valid passport and an Active FirstRand Bank Transactional Account as defined upon registration. Where you provide an Active FirstRand Bank Account this must be an account on which you frequently transact. If you are unable to provide the aforementioned information you will not be allowed to register as an eBucks member.

For the eligibility criteria for Businesses, see eBUCKS FOR BUSINESS.

It is Your responsibility to confirm with a FNB business relationship manager or an FNB branch or with any of Our Partners, on which FNB products or Partners' products respectively You are able to earn eBucks.

Businesses must nominate a Primary Member to manage the relationship between the eBucks Rewards Programme and the Business and the Primary Member must nominate a Transactor to transact on the Business eBucks Account for and on behalf of the Business.

Your eligibility to participate in the eBucks Rewards Programme is at the discretion of the FirstRand Group.

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REGISTRATION FOR THE eBUCKS REWARDS PROGRAMME

If You wish to register for the eBucks Rewards Programme as an individual and not a Business the following procedures and conditions will apply:

  • You can register by completing the online registration process on either Our Website at www.eBucks.com or through FNB Online Banking at www.fnb.co.za.
  • You can also register through the FNB Banking App.
  • You can also register at any FNB branch in South Africa.
  • For more information visit Our Website or contact the eBucks Contact Centre on 087 320 3200.

If You wish to register as a Business for the eBucks Rewards Programme, the following procedures and conditions will apply:

  • You can register by completing the online registration process on Our Website at www.eBucks.com.
  • Alternatively You may register through the FNB Banking App.
  • Should a Business elect a Primary Member or Transactor who is also a person authorised to have access to or transact on behalf of any of the Qualifying Business Accounts linked to a Business eBucks Account, then it will be deemed for purposes of the Business eBucks Account that the Business has duly authorised such person to represent the Business and transact on the Business eBucks Account.
  • After a Business has submitted its online registration form, We may, but are under no obligation to, determine whether the Primary Member or Transactor listed on the eBucks registration form is a person who is authorised to transact on behalf of the Business on any Qualifying Business Account linked to the Business eBucks Account.
  • To establish the aforegoing, We need to view all Your documentation submitted to FNB or RMB Private Bank which was required to open and thereafter to manage Your Qualifying Business Account, as well as all documentation submitted to FNB or RMB Private Bank relating to the Financial Intelligence Centre Act. Accordingly, Your unconditional consent that We may request FNB or RMB Private Bank to make available to Us all the aforementioned documentation for purposes of verifying the identities of the Primary Member and Transactor and You similarly hereby authorise FNB or RMB Private Bank to disclose the aforementioned documentation to Us.
  • Should neither the Primary Member nor Transactor be a person authorised to transact on behalf of the Business on the linked Qualifying Business Account, then We shall endeavour to contact the Business, requesting the Business to provide Us with its written authorisation on the Business' official letterhead, duly signed by any person authorised to have access to or transact on behalf of the Business on any linked Qualifying Business Account, confirming that the relevant Primary Member and Transactor listed on the eBucks registration form is allowed to transact on behalf of the Business on the Business eBucks Account.
  • Should a Business at any time after it has successfully been registered as a Member, wish to nominate a different Primary Member or Transactor to transact on the Business eBucks Account, then a letter on the Business' official letterhead, duly signed by a person authorised to have access to or transact on behalf of the Business on any linked Qualifying Business Account, informing Us of the change in details of the Primary Member or Transactor will be required.
  • For more information visit Our Website or contact the eBucks Contact Centre on 087 320 3200.

General procedures and conditions applicable to an individual and a Business when registering for the eBucks Rewards Programme:

  • Only once We have identified and authenticated You, may We, at Our sole discretion, accept Your application to become a Member of the eBucks Rewards Programme. You will not be able to earn or spend any eBucks until We have authenticated and accepted Your application.
  • IMPORTANT: If We are not able to identify and authenticate You within 30 (thirty) days of Your registration, then Your registration may be systematically deleted. You will not be entitled to hold Us liable for any damages howsoever occurred in respect of the deletion of Your registration, it is therefore Your sole responsibility to follow-up with Us should You not have heard from Us within 20 (twenty) days from submitting Your registration or application for the Programme.
  • It is Your responsibility to advise Us if any of the personal or Business information which You provided to Us when registering to become a Member is inaccurate or has changed.
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eBUCKS ARE NOT CASH

You may not sell, issue, exchange, barter or redeem eBucks for cash. Your eBucks may only be used or spent through our spend channels listed on Our Website. You may not exchange or sell any other goods or services for eBucks.

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IMPORTANT NOTICE: TAX IMPLICATIONS

We strongly recommend that you obtain independent professional advice regarding any tax implications arising from the receipt, accumulation, transfer or spend of any rewards, benefits, discounts or eBucks. Transfer refers to the transfer of rewards, benefits, discounts or eBucks to another person, business or entity.

You are fully responsible for any tax implications arising from or associated with any rewards, benefits, discounts or eBucks received, accumulated, transferred or spent due to You being a Member of, or participating in, the eBucks Rewards Programme.

You agree that You will not hold Us, FNB or FirstRand Bank Limited ("the Bank") or any of the Bank's affiliates liable and You hereby fully indemnify the Bank or any of the Bank's affiliates, and hold the Bank or any of the Bank's affiliates completely harmless, against all damages, claims and fines made against You or the Bank or any of the Bank's affiliates, including all legal costs on an attorney-and-own-client scale, to the extent to which such damages, claims and fines arise out of or are connected to any taxation relating to Your receipt, accumulation, transfer or spend of any rewards, benefits, discounts or eBucks, or the charges in respect thereof.

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YOUR eBUCKS REWARDS STATEMENTS AND TRANSACTION HISTORIES

We will make your eBucks Statements available to you Online on Our Website at no cost to you. You are responsible to check and verify all the entries included in your statement are correct, and to inform us within 30 days if you do not agree with any entry or item that reflects on such statements.

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BALANCE SMS SERVICE

As an individual eBucks members, you may request Your eBucks balance via Your Selected Cellular Phone by sending a SMS to 32224 with the word BALANCE and Your ID number, Your eBucks balance, as at the end date specified in the SMS, will then be sent via SMS to Your Selected Cellular Phone (hereinafter referred to as "Balance SMS Service").

The cost of this Balance SMS Service will be R1.00 per SMS for every eBucks balance request. All failed attempts will also be charged at R1.00 per SMS. We may however, in Our sole discretion, increase the Balance SMS Service costs from time to time.

We will take reasonable care to ensure the accuracy of the data provided to You in terms of the Balance SMS Service, however Our official records will prevail in the case of any discrepancy.

We may terminate the Balance SMS Service at any time and without any notice to You. Only requests made prior to termination of the Balance SMS Service will be carried out.

It will be Your sole responsibility to regularly review these Terms and Conditions to establish whether the Balance SMS Service costs has been increased or whether the Balance SMS Service has been terminated.

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DORMANT STATUS OF YOUR eBUCKS ACCOUNT

eBucks incurs costs to maintain your account on our systems, which we waive as long as you are actively earning or spending eBucks. If you do not earn or spend eBucks for a period of 6 (six) months, your eBucks Account will be considered dormant. We will then deduct a monthly Account Maintenance Charge of eB90 (including VAT) from your eBucks Account every month until you have either earned or spent eBucks, or until your eBucks Account reaches a zero balance, whichever occurs first. When your eBucks Account has reached a zero balance, we may close your eBucks Account.

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UNCLAIMED eBUCKS

If Your eBucks Account remains in Dormant Status for a period of more than 36 (thirty-six) months, all of the unused eBucks in Your eBucks Account will be reclaimed by Us and your account will be closed.

Your unclaimed eBucks will be transferred to an FNB-eBucks suspense account for safekeeping. You have the right to claim these eBucks for a period of 60 (sixty) years from the date on which the unclaimed eBucks were transferred into the FNB suspense account. To do this you must complete the necessary forms and prove your claim.

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DONATIONS OF eBUCKS

Donations made to charities on the eBucks website do not qualify as deductions in terms of section 18A of the Income Tax Act 58 of 1962. eBucks accordingly does not issue Section 18A tax certificates for any donations.

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DECEASED ESTATES

All eBucks in a Personal eBucks Account belonging to deceased estate will be frozen upon Us receiving notification of death, by the person who is authorised to deal with the liquidation and distribution of the estate under the Administration of Estates Act or any other law which provides for the administration of deceased estates (hereinafter referred to as the "executor"), producing a certified copy of the Member's death certificate. Should the executor have dealt with the eBucks in the final liquidation and distribution account, then the executor will have the opportunity, upon officially requesting Us, to transfer the eBucks located in the eBucks Account to a beneficiary(ies)/heir(s) eBucks Account. If the executor failed to deal with the eBucks in the final liquidation and distribution account, then those eBucks will be forfeited to Us and the Personal eBucks Account will be closed.

All eBucks in a Business eBucks Account will be frozen upon us receiving notification of death. We will require a company resolution, or a letter from the appointed executor where applicable, replacing the deceased and/or detailing any further instruction(s). If the executor fails to deal with the eBucks in the final liquidation and distribution account, then those eBucks will be forfeited to Us and the Business eBucks Account will be closed.

All accounts will be immediately closed once the balance has reached eB0 or a negative balance. Should an account be placed on hold for whatever reason for a period exceeding 3 years, that account will be closed and eBucks forfeited to Us.

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BUSINESS' CEASING TO OPERATE

Should a Business, when ceasing to operate as a business, not have spent all the eBucks in its Business eBucks Account, then all the eBucks remaining in the Business eBucks Account will be forfeited to Us and the Business eBucks Account will be closed within 30 days of the business ceasing to operate. This does not preclude the duly appointed liquidator or trustee of a Business spending the eBucks in the Business eBucks Account in terms of the liquidation or sequestration process. If, however, the liquidator or trustee fails to deal with the eBucks in the final liquidation and distribution account, all the eBucks in the Business eBucks Account will be forfeited to Us and the Business eBucks Account will be closed.

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YOUR INSTRUCTIONS

Because We communicate with You through the Internet, via FNB/RMB PB App Notification, email, SMS or over the telephone, You agree that We are entitled to assume that You have authorised all transactions once Your platforms have been accessed, Access Codes have been entered or provided to the eBucks Contact Centre or via the Website.

You are responsible for giving correct information and instructions when registering for the eBucks Rewards Programme and when conducting transactions via the Website; over the telephone with the eBucks Contact Centre. You are also responsible for providing Us with Your or the Business' most up-to-date contact details, as and when they change.

We will be entitled, but not obliged, to request confirmation or verification of transactions from You from time to time.

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NATURE AND PURPOSE OF THE INFORMATION PROVIDED BY THE eBUCKS REWARDS PROGRAMME

We provide various kinds of information and tools ("information") on Our Website and in Our brochures, emails and sms's, about Our products and services, Our Affiliates and other third parties. This information is only meant to serve as a guideline and You should not place any reliance on it without verifying the information.

Unless expressly otherwise stated, none of the information must be treated as:

  • an offer. It is merely as an invitation to do business with us; or
  • financial, legal, investment or professional advice of any kind. You must consult a professional advisor before You rely on any information that is published on or accessible via the Website or on the results of any calculators provided on OurWebsite.
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VARIATION AGREEMENT IN TERMS OF SECTION 21 OF THE ELECTRONIC COMMUNICATIONS AND TRANSACTIONS ACT 25 OF 2002 ("the ECT Act")

You agree that these Terms and Conditions will be concluded between You and Us every time that You access the Website and/or use the eBucks Rewards Programme. The place of conclusion of these Terms and Conditions will irrebutably be presumed to be at our main place of business in the Johannesburg Central Business District, South Africa.

Any other agreements concluded between You and Us in relation to the eBucks Rewards Programme, will similarly irrebutably be presumed to have been concluded at our main place of business in the Johannesburg Central Business District, South Africa, at the time that We accept Your unconditional offer to abide by the relevant agreement's terms and conditions,

Data messages addressed to You by Us will be deemed to have been received by You when the complete data message enters an information system designated or used for that purpose by You and is capable of being retrieved and processed by You.

Data messages addressed by You to Us will be deemed to have been created and sent by You within the geographical boundaries of South Africa.

Electronic signatures, encryption and/or authentication is not required for valid electronic communications between You and Us.

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WHO IS THE "SUPPLIER" AS DEFINED IN THE ECT ACT

We make available a variety of products and services by way of the eBucks Rewards Programme.

When You purchase vouchers via the eBucks Shop, We are regarded as a Supplier, as defined in the Electronic Communications and Transactions Act 25 of 2002 ("the ECT Act").

When You purchase any other product or use any service via the eBucks Rewards Programme, the Supplier, for the purposes of the ECT Act, is the party that provides the goods or services, unless expressly or by implication stated otherwise. Where a party is regarded as a Supplier for the purposes of the ECT Act, that party may have its own Service Terms.

In the event of conflict between the Terms and Conditions and the Service Terms, the provisions of the Service Terms will prevail to the extent of such conflict unless expressly otherwise stated.

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PURCHASE OF PRODUCTS AND SERVICES VIA THIS WEBSITE

We reserve the right to offer Members special deals on various spend items.

Any offer to purchase products and services via the eBucks Rewards Programme does not constitute any guarantee that Your offer to purchase will be accepted.

An auto-response to Your offer to purchase shall not be regarded as approval of Your purchase. Only once We have actually formally contacted You may You assume that We have accepted Your offer to purchase the particular product(s) or service(s) which You requested.

Inclusion or offering of any goods or services on this Website or via the eBucks Rewards Programme does not constitute Our endorsement or recommendation of such goods or services.

Without limiting the implied warranty of quality as contemplated in section 56 of the Consumer Protection Act , all such goods/services are provided without any warranty of any kind, unless expressly otherwise provided on this Website. This stipulation will also inure for the benefit of Our Spend Partners and Suppliers.

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"COOLING-OFF PERIOD" IN TERMS OF THE ECT ACT

Subject to Sections 16 and 20 of the Consumer Protection Act, You are entitled to cancel any transaction concluded on the Website, without any reason and without any penalty, within 6 (six) Business Days after the receipt of the product or within 6 (six) days after conclusion of the agreement in the case of the purchase of services.

The only costs You will be required to cover are all direct expenses incurred by Us or Our authorised agents:

  • in the delivery of the products and services ordered by You;
  • in collecting or accepting return of the products; and
  • for restoration (if the packaging was damaged) to render the goods fit for restocking.

If payment for the products or services has already been made prior to You exercising Your right to cancel the transaction, You are entitled to a full refund of such payment, which refund will be made within 15 (fifteen) Business Days of the date of the cancellation of the transaction.

Please note that the “cooling off” provisions of the ECT Act do not apply to the following electronic transactions:

  • for financial services;
  • by way of any auction;
  • for the supply of foodstuffs, beverages or other goods intended for everyday consumption supplied to Your home, residence or workplace;
  • for services which began with Your consent before the end of the 6 (six) Business Day period referred to above;
  • where the price of the supply of goods or services is dependent on fluctuations in the financial markets and which We cannot control;
  • where the goods are made to Your specifications, are clearly personalised, by reason of their nature cannot be returned, or are likely to deteriorate or expire rapidly;
  • where audio or video recordings or computer software were unsealed;
  • for the sale of newspapers, periodicals, magazines and books;
  • for the provision of gaming and lottery services; or
  • for the provision of accommodation, transport, catering or leisure services and where We undertake, when the transaction is concluded, to provide these services on a specific date or within a specific period.

To avoid any doubt, any cellular or fixed line airtime, LOTTO® tickets or travel-related tickets purchased via eBucks Travel, are not subject to the “cooling off” provisions of the Act and You cannot cancel the transaction within the prescribed 6 (six) Business Days.

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PHISHING AND FRAUD

If You suspect or know that You have been a victim of phishing, fraud or a loss, theft or compromise of Your Access Codes or eBucks Card, You must inform Us immediately by contacting our Contact Centre on 087 320 3200 and open a case at Your nearest police station. You will be required to provide us with a case reference number and co-operate with Us and the police in any investigation conducted into losses You suffer. We will not be responsible for any losses You may suffer due to phishing, fraud or a loss, theft or compromise of Your Access Codes or eBucks Card unless You are able to establish that the loss was caused by Our negligence. Please refer to the section in the terms and conditions dealing with ACCESS CODES.

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FEES AND CHARGES

You authorise Us to make the following withdrawals from Your eBucks Account:

  • the value of delivery charges in eBucks, where the price of the products expressly excludes delivery charges;
  • the value in eBucks of any amount due by You to Us, a Spend Partner, or any Affiliate;
  • the value of eBucks offered by You as a buyer once You have authorised Us on Our webpage to transfer the offered eBucks from Your eBucks Account to the eBucks Escrow Account which shall subsequently be transferred to the seller
  • the Account Maintenance Charges on all dormant eBucks Accounts as from the 6th (sixth) month of dormancy;
  • the Balance SMS Service
  • the fees and charges itemised in the table below as reviewed and amended from time to time;
  • the eBucks Travel specific fees and charges;
  • any taxes, surcharges, cancellation fees or any other charges relating to a transaction or Your participation in the eBucks Rewards Programme; and
  • the value in eBucks of any amount which You may have obtained as a result of fraud, misconduct or which We did not intend to accrue to you.

In addition to Your above payment authorisations relating to Your eBucks Account, We will only debit Your relevant credit card, cheque card or FNB current account, if You have expressly authorised Us to debit same.

We may set off any amount that You owe Us and FNB/RMB Private Bank against any amount in Your eBucks Account and other FNB/RMB Private Bank Accounts.

You may not refuse to pay any amount owing to Us in respect of Your eBucks Account on the basis that You may have another claim against Us.

We may reverse at any time any eBucks incorrectly allocated to Your eBucks Account and/or deduct the required eBucks from your eBucks Account which We or any other person failed to lawfully deduct from Your eBucks Account, for whatsoever reason and irrespective whether Your eBucks Account may thereafter show a negative balance. Should an incorrect amount be debited from Your eBucks account or should You make an unauthorised transaction on Your eBucks Account, We reserve the right to debit or credit at any time Your eBucks Account, irrespective whether Your eBucks Account may thereafter show a negative balance, to ensure the correct amount is debited from Your eBucks Account or to ensure Your compliance with these Terms and Conditions.

Should Your eBucks Account show a negative balance, You will at all times be liable to Us, for any amounts owed, to immediately repay the equivalent in eBucks to Us to bring Your eBucks Account from the negative balance to a zero balance within 30 (thirty) calendar days from date of Our written demand. If You fail to repay the aforementioned amounts within 30 (thirty) calendar days from date of Our written demand, You will be liable for interest at the legal rate of 15.5% (fifteen point five per cent) compounded monthly in arrears calculated retrospectively from the first date the eBucks account reflected a negative balance and all costs, including attorney-and own-client fees, costs and tracing fees, should We have to appoint attorneys and/or debt collectors to recover the aforementioned amounts and without prejudice to any of Our other rights and remedies afforded in terms of these Terms and Conditions and/or in any law.

Below is an itemised breakdown of Our current fees and charges which We may review from time to time by amending these Terms and Conditions.

Balance enquiry via SMS eB10 (R1.00)
Convenience and Value Added Services fee
(for purchases using eBucks for:
LOTTO™/ Powerball purchases,
Airtime (Excluding FNB Connect Airtime)
Prepaid electricity
Pay TV prepaid purchase)		 eB20 (R2.00)
Virtual voucher SMS delivery fee eB28 (R2.80)
Virtual voucher resend fee eB50 (R5.00)
Account Maintenance Charge eB90 (R9.00) per month

In determining the Delivery Fee categories above, all the items in your Shopping Basket when Checking Out are taken into account and bundled together. If a virtual voucher is one of the items in your Shopping Basket when Checking Out a separate and additional Delivery Fee is charged for each virtual voucher. Volumetric weight and the size of the items in your Shopping Basket when Checking Out are taken into account in determining the Delivery Fee category above. If the volumetric weight exceeds the actual weight of the items the volumetric weight will be applied to determine the Delivery Fee category above.

FNB and RMB Private Bank, may charge You a Credit Card Monthly Rewards Fee. The EBUCKS TRAVEL SPECIFIC FEES AND CHARGES are specified in the EBUCKS TRAVEL SECTION

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ENDING A SESSION

You must log off once You have finished using the Website. If You do not do this, unauthorised transactions may result, for which We will not be liable.

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ENDING YOUR PARTICIPATION IN THE eBUCKS REWARDS PROGRAMME AND OTHER PENALTIES

We may end Your participation in the eBucks Rewards Programme at any time and for any reason, on notice to You. Such termination will not affect instructions given to Us and not yet carried out. You will however, have 30 (thirty) days to spend Your eBucks unless:

  • We believe Your behaviour was inappropriate, constituted misconduct and/or is considered an abuse of the eBucks Rewards Programme
  • We believe it necessary to end Your participation as aforesaid based on our endeavours to stop or prevent any criminal activities including money laundering or where South African and international laws, rules, regulations, restrictions and policies ("the laws") require us to do so
  • We refuse to do business with you based on the laws set out above
  • We refuse to do business with You due to Your appearance on any sanction list as prescribed by legislation or used by Us in the management of risk or that is linked to any person that appears on such sanction list, or linked to any restricted countries or the government agencies of such restricted countries as determined from time to time
  • You fail to assist us to comply with the laws by failing or refusing to provide us with all the information and documents we may require or you do assist us but you submit false information or documentation
  • You breached these, or any other, terms and conditions relevant to the eBucks Rewards Programme; or
  • a fraudulent transaction was conducted directly or indirectly by You;

in which case, We reserve the right and without prejudice to any of Our other rights and remedies in terms of these Terms and Conditions and in law, to be exercised in Our sole discretion to immediately terminate Your Membership to the eBucks Rewards Programme. We may reverse or cancel any transaction relating to the aforementioned conduct and hold You liable for any value which You have received in terms of such conduct.

All transactions believed to be fraudulent, inappropriate, constitute misconduct or considered as an abuse of the eBucks Rewards Programme, as determined by us in our sole discretion, will be excluded for the purposes of determining your eBucks earn for your qualifying purchases.

Once you have been notified that you will be terminated from participation in the eBucks Rewards Programme:

  • You forfeit all Your eBucks in Your eBucks Account at the time of termination including any future eBucks which may have accrued to you after the date of termination had it not been for such termination;
  • You are no longer entitled to any rewards, benefits or services from the eBucks Rewards Programme from the date on which notice was given to you of your termination; and
  • You are permanently disqualified from accessing any discounts.

If We terminate Your participation in the eBucks Rewards Programme, We will not be liable for any damages of any nature suffered by You or any third party.

Once We have terminated Your participation in the eBucks Rewards Programme You shall not be entitled to again join the eBucks Rewards Programme, unless We approve, in writing, Your written request to re-join the eBucks Rewards Programme. Any re-joining without Our written approval may, in Our sole discretion, be declared null and void.

If We or the bank terminates Your relationship or closes Your linked transactional account we will provide You with a notice of immediate closure provided that Your eB account balance is eB0 or on a negative. Should Your account be greater than eB0, we will provide You with a 30-day notice to transfer, donate or spend any existing eBucks before closure

If Your eBucks account is in a negative balance where the last earn date is greater than 6 months, You will be provided with 30 days' notice before closure of such account.

If You terminate Your relationship with Us, the bank or close your linked transactional account, Your eBucks account will be closed within 48 hours, You may therefore transfer, donate or spend any existing eBucks before such closure.

During this notice period Failure to either spend, donate or send Your eBucks to other eBucks Accounts similar to Yours (i.e only individual Members may transfer to other Personal eBucks Accounts and not to a Business eBucks Account), You will forfeit all the eBucks in Your Personal eBucks Account when it is closed. When Businesses end their participation in the eBucks Rewards Programme, they may send their eBucks to a Personal eBucks Account but may not send their eBucks to another Business eBucks Account as they will therefore forfeit any remaining eBucks in their Business eBucks Account when their Business eBucks Account is closed.

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NON-COMPLIANCE WITH THE EBUCKS REWARDS PROGRAMME AND REGULATORY REQUIREMENTS

  • If Your FirstRand transactional account is not in good standing, You will not qualify to earn eBucks. Good standing means that none of Your accounts or credit agreements should be overdrawn, or be in arrears, or be in default, or be subject to any legal process with any FirstRand entity.
  • If Your FirstRand transactional account is not compliant with regulatory requirements (for example, if Your account is not KYC compliant), You will not be eligible for rewards and Your eBucks account could be frozen.

Under the Financial Intelligence Centre Act (FICA) of 2001, FirstRand may not establish a relationship with you unless you have provided the FirstRand with acceptable documents to prove your identity and residential address. An account is considered to not comply with FICA if any of the required Know Your Customer (“KYC”) documentation (Identity document and proof of address) are not on record or invalid. Under FICA and industry practice, all FICA non-compliant accounts will be frozen (you will not be able to earn and spend). Before freezing an account, we will try to contact you to obtain the correct KYC documentation. If we cannot obtain the documents your account(s) will be frozen.

FirstRand means FirstRand Limited, FirstRand Bank Limited (which includes First National Bank, RMB Private Bank, WesBank and Rand Merchant Bank), FirstRand Investment Management Holding Limited (Ashburton), Direct Axis SA (Pty) Ltd, FirstRand Life Assurance Limited, each business unit, branch and/or representative office, any connected companies, subsidiary companies, its associates, cessionaries, delegates or successors in title and / or appointed third parties (like its authorised agents, advisors, partners and contractors)

Should You fail to qualify for eBucks because of reasons related to any of Your FirstRand accounts not being in good standing, you will be directed to the relevant Business area for resolution of any queries. Please note that eBucks will not be able to assist You in matters between You and Your other FirstRand accounts.

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VERIFICATION PROCESSES

We endeavour to stop or prevent any criminal activities including money laundering. Because of this we can do any of the following things if we consider it is necessary to do so, or if South African and international laws, rules regulations restrictions and policies ("the laws") require us to do so:

  • We may verify (check and confirm) the identity of any customer and entity as well as that of any persons related to or acting on behalf of or involved with such customers or entities. This includes, but is not limited to, mandated persons, directors, signatories, shareholders and related entities. We will do this at the start of the business relationship and as often as we or the law may consider it necessary thereafter.
  • We can refuse to do business with any person or entity that we consider undesirable.
  • We will not willingly and knowingly do business with any person that appears on any sanction list as prescribed by legislation or used by us in the management of our risk or that is linked to any person that appears on such sanction list, or linked to any restricted countries or the government agencies of such restricted countries as determined from time to time.
  • We can end our relationship with a customer.
  • We can monitor any transactions and instructions.
  • We can request further information before acting on any instruction or transaction. We can verify any transaction or instruction or recipient before processing it. This may result in a delay by us in carrying out the instruction.
  • We can refuse to carry out any instruction or transaction.
  • We can place a hold on any account or facility.
  • You agree to assist us to comply with the laws by providing us with all the information and documents we require. If you fail to do so or provide false information we can refuse to enter into a relationship with you, refuse to carry out an instruction or process an instruction and can also end our relationship with you.
  • TAKE NOTE: We will not be legally responsible to you, or any person, or customer for any loss or damage, you or they suffer if it does any of the things mentioned above, or anything else necessary to comply with the laws.
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PRIVACY AND CONSENT TO MARKETING AND DISCLOSURE OF PERSONAL INFORMATION

To provide Our services to You we may be required to disclose Your personal or Your business information to third parties. You consent to and authorise us to disclose Your personal information, in the ordinary course of our business, to such third parties from time to time and indemnify us from any liability you may incur associated with or arising from us acting in accordance with this consent.

You confirm and consent that FirstRand Limited, including FirstRand Bank Limited, (FSR), may process (collect, use or otherwise deal with) your information (including processing outside of the borders of South Africa), which was voluntarily provided, for the purposes of providing services and products to you, according to the applicable product terms and conditions, our privacy policies and the requirements of law.

We may from time to time process Your personal information in order to automatically enter You into various competitions we run. This may require the exchange of Your personal information with Our partner/s in order to provide You with any prizes that may be won.

You confirm that you have read and understood the applicable product terms and conditions, specifically the portion relating to the processing of your personal information, and our privacy policy. You confirm that the information provided by you to FSR is true, correct and current (including information about your residency and citizenship for local and international tax purposes) and that you will inform FSR if it changes.

You agree that FSR can communicate with and market products and services to you. If You contact the eBucks Contact Centre, You permit Us to record Your calls for security reasons, customer care and to comply with various laws. Where you have not already provided specific consent you agree that the remainder of the FSR, including its approved partners, can communicate with and market products and services to you. You agree to be included in marketing, email and SMS campaigns and that your name be included in marketing or customer lists which the credit provider may sell or distribute to other persons

You consent to FSR to sharing your personal information with third parties for business purposes. Third parties include, but are not limited to, couriers for delivery of your Product(s) and the Electronic Telecommunication Service Providers for the provision of Electronic Telecommunication Services. You also consent to FRS making enquiries at any Credit Bureau concerning your credit worthiness.

You can refer to our Privacy Policy and to FNB's Privacy Policy at https://www.fnb.co.za/about-fnb/legal-matters/privacy-policy.html for more information on Our privacy practices and our Privacy Term on FNB's General Terms and Conditions at https://www.fnb.co.za/about-fnb/legal-matters/product-terms-and-conditions.html for more information on how we treat your personal information. These terms and conditions will prevail in the event of an inconsistency between these terms and conditions and our Privacy Policy.

FSR means FirstRand Bank Limited, FirstRand Limited, any affiliate companies, its associates, cessionaries, delegates or successors in title and / or third parties (like its authorised agents and contractors) (collectively referred to as FSR).

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SECURITY

For Your security You should regularly read the security tips which We publish on Our Website and take the precautions. If You want to prevent others from reading email We send You, You must set up Your own password protection on Your system at home or work. Please read Our Security Policy for more information.

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LINKS TO THIRD PARTY WEBSITES

For Your convenience, the Website contains links to the Third Party Websites. By making the hyperlinks available, We are not endorsing Service Terms, Third Party Websites, their content, products, services or owners. It is Your responsibility to obtain all information relevant to making a decision and to read the privacy and security policy on third party websites.

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USING CONTENT FROM OUR WEBSITE

The content on Our Website, including all registered and unregistered trade marks, constitutes Our intellectual property. You may not establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise to the Website or any subsidiary pages without Our prior written consent, which consent is at Our sole discretion.

You may apply to establish such a link by submitting Your request through the eBucks contact centre on 087 320 3200. If You have not heard from Us within 5 (five) Business Days, please consider Your request as having been rejected.

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NOTICES, CONFIRMATION AND STATEMENTS

You agree that publishing a notice on the Website or sending You a notice once You log into the Website, or via email, sms or post will constitute sufficient notice to You . Please remember that You are responsible for providing Us with Your or the Business' most up-to-date contact details, as and when they change.

For contractual purposes, You consent to receive communications from Us electronically and You agree that all agreements, notices, disclosures and other communications that We provide to You electronically satisfy any legal requirement that such communications be in writing.

Should You fail to raise an objection with Us within 24 (twenty-four) hours after We have sent You a notice, You will be considered to have accepted the transaction or new setting as being valid and binding in all respects.

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AVAILABILITY OF THE WEBSITE

The eBucks Rewards Programme may be unavailable from time to time due to routine maintenance or emergency repairs or because of the unavailability of any electricity, telecommunication system or networks.

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FNB ELECTRONIC CHANNELS

If You are granted access to this Website, the eBucks Shop, eBucks Travel or the eBucks Rewards Programme though any of the FNB Electronic Channels You will be bound by the terms and conditions of the FNB Electronic Channel You are using and to Our Terms and Conditions. Our Terms and Conditions will prevail if a conflict exists between FNB Electronic Channels terms and conditions and Our Terms and Conditions.

The information and data displayed on the FNB Electronic Channels concerning this Website, the eBucks Shop, eBucks Travel and the eBucks Rewards Programme may be simplified, abbreviated, modified, incorrect or dated. The information and data displayed on this Website will be regarded as the correct and accurate information and data should there be any discrepancies in the information and data displayed on the FNB Electronic Channels and on this Website.

In order to be granted access to and use the FNB Banking App, you must be a registered Member of the eBucks Rewards Programme and you must be banked with FNB.

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MODIFICATION, SUSPENSION OR TERMINATION OF THE eBUCKS REWARDS PROGRAMME

We may, in whole or in part, change, suspend or discontinue providing the eBucks Rewards Programme at any time at Our sole discretion. We will however, notify You of this, within a reasonable time of these changes being made.

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AMENDMENTS TO TERMS AND CONDITIONS

We may amend the Terms and Conditions and any other terms and conditions on the Website from time to time. If You use the eBucks Rewards Programme after We have posted an amended version of any terms and conditions on Our Website, We will be entitled to assume that You have agreed to be bound by the amended version of the relevant terms and conditions

For convenience only, the date on which the Terms and Conditions were last amended is shown below the main heading of these Terms and Conditions.

SUBMITTING COMPLAINTS AND QUERIES TO US

Any complaints relating to Our services must be directed to the eBucks Contact Centre at:

Telephone:
087 320 3200

eBucks travel

Telephone:
087 587 2835
International contact number:
+27 11 377 5061
Email:
travel@eBucks.com

We will acknowledge receipt of Your complaint or query and provide You with a reference number within 2 business hours of it being submitted to Us.

If it takes more than five (5) business days to resolve and close a complaint, an interim response must be provided to the complainant, explaining the causes of delay in the finalization of the complaint, and this must also indicate the revised timelines when the final decision in response to the complaint can be expected. The complainant must be kept informed of progress of their complaint on a regular basis.

Queries will be acknowledged within 2 business hours and resolved as First Contact Resolution. We will aim to have queries resolved and closed within a minimum period of 1 business day.

We may have to refer complaints or queries concerning the rules relating to earning eBucks to the relevant earn Partner for resolution as they are responsible for the eBucks earn rules.

If We have not resolved your complaint or query within 5 (five) Business Days of it being submitted to us You can escalate Your complaint or query to FNB at:

Telephone:
087 575 9408
Email:
care@fnb.co.za

If Your complaint has not been resolved within 5 (five) Business Days of it being submitted you are invited to refer it to the National Financial Ombud Scheme. The National Financial Ombud Scheme provides South African banking customers with a free, informal dispute resolution service. Their contact details are:

Johannesburg Address:
110 Oxford Road, Houghton Estate, Johannesburg, 2198
Cape town Address:
Claremont Central Building, 6th Floor, 6 Vineyard Road, Claremont, Western Province, 7700
NFO Call Centre:
0860-800-900
WhatsApp:
+27(0)66 473 0157
Email:
info@nfosa.co.za

Complaints concerning the Consumer Protection Act may also be addressed to the Consumer Goods & Services Ombudsman, their contact details are:

Telephone:
011 781 2607
Email:
info@cgso.org.za
Website:
https://www.csgo.org.za
Physical Address:
292 Surrey Avenue,
Ferndale, Randburg

You can also refer your complaints to the National Consumer Commission, their contact details are:

Telephone:
012 428 7000
Website:
www.thencc.org.za
Physical Address:
Block C, South African Bureau of Standards Campus,
01 Dr. Lategan Road,
Groenkloof, Pretoria
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COURT JURISDICTION

We retain the right to institute at any time legal proceedings in any court of law with jurisdiction, to obtain urgent or interim or final relief or to collect debts due and payable by You.

You agree that any action brought against You for a claim that may arise under these Terms and Conditions, Your use of the eBucks Rewards Programme and/or any other terms and conditions on the Website may be brought in the Magistrate's, Court even if the amount We claim from You exceeds the jurisdiction of that court.

You agree to pay all expenses in recovering any amounts You owe Us, including legal costs on the attorney and own client scale, collection charges and tracing fees and VAT thereon.

If We need to take legal action against You, one of Our employees (who need not prove his/her appointment) will produce a certificate to the court, recording the amount You owe us. If You disagree with this certificate, You will have to prove that it is incorrect.

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ADDRESS FOR LEGAL NOTICES

Legal notices and other legal documentation addressed to Us must only be sent to this physical address, which we choose as Our domicilium citandi et executandi.

Notices delivered to Us using the following methods will be deemed to be received within the stated period: by hand (at the time of delivery) or, registered post 14 (fourteen) days. You may not send any notice or legal document to Us by sms or email.

We may send You legal notices to any of the addresses You have specified on any of Your application or registration forms with Us,which You hereby choose as your domicilium citandi et executandi for service of all legal process, or at the address at which You work or live or in any other way as provided in terms of law.

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CESSION

Unless expressly otherwise stated in these Terms and Conditions, You will not be entitled to cede, sub-contract and/or delegate any of Your rights or obligations under these Terms and Conditions, without Our prior written consent.

We and our successors in title shall, at any time, in Our sole discretion, be entitled to cede, assign and/or sub-contract all or any of Our rights and obligations in terms of these Terms and Conditions to any third party, without prior notice and/or approval to You.

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THE LAW GOVERNING OUR RELATIONSHIP

These Terms and Conditions are subject to the laws of the Republic of South Africa

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OTHER

If any of these Terms and Conditions are found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible so as to give effect to the intent of these Terms and Conditions, and the remainder of these Terms and Conditions shall continue in full force and effect.

These Terms and Conditions constitute the entire agreement between You and Us with regard to the use of the eBucks Rewards Programme and/or this Website.

The headings appearing in these Terms and Conditions are inserted for convenience only and will not be taken into account when interpreting these Terms and Conditions.

Hyperlinks, which are not operational, will not in any way detract from the validity and interpretation of the applicable Terms and Conditions.

Where dates and times need to be calculated under these Terms and Conditions, the international standard time (GMT) plus 2 (two) hours will be used.

Any failure or delay on Our part to exercise any of Our rights will not constitute a waiver of such right.

A certificate issued by Our Website administrator and/or legal manager will serve as proof of the version of the Terms and Conditions and/or any other terms and conditions on the Website, which applied to Your use of the eBucks Rewards Programme at a specific date.

The rule of interpretation that a contract will be interpreted against the party responsible for the drafting or preparation of a contract will not apply to these Terms and Conditions.

If there is a conflict between these Terms and Conditions and the Service Terms, the Service Terms will prevail.

Save as expressly provided otherwise in these Terms and Conditions, no variation, amendment or consensual cancellation of these Terms and Conditions, including this clause, and no settlement of any disputes arising under these Terms and Conditions and no extension of time, waiver or relaxation or suspension of any of the provisions or terms of these Terms and Conditions will be binding or have any force and effect unless reduced to writing and posted on this Website or alternatively signed by Our representative.

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FNB On The Go

FNB on the Go gives qualifying Members a complimentary meal at participating Wimpy's located at Engen 1-Stops across South Africa. The benefit is for qualifying FNB Aspire, Premier, Private Clients, Private Wealth or RMB Private Bank Account holders. Qualifying Members who are multi-segmented (for example qualified on both FNB Aspire and FNB Premier) will receive the FNB On The Go benefit on their highest qualifying segment.

The benefit can only be redeemed at participating Engen 1-Stop Wimpy restaurants for breakfast and burger meals as specified and does not include beverages, "make it your own" or additional menu items. FNB On The Go benefits cannot be exchanged for cash. The benefit is only applicable to sit-down meals, and cannot be redeemed on any takeaway meals. Your one free meal will be split across Mobile Discount and Mobile Payment on your till slip.

To qualify for the FNB On The Go benefit you must be on eBucks Reward Level 2 or above, excluding FNB Aspire. If you drop below Reward Level 2 at any time after you have been rewarded with the FNB On The Go benefit, you will not be able to access the FNB On The Go benefit until you are back on Reward Level 2. Your qualification for access to the FNB On The Go benefit will be determined monthly in accordance with your eBucks Reward level. If you are on FNB Aspire, by qualifying for the eBucks Rewards Programme you will qualify for FNB On The Go.

Qualifying Members will receive one FNB On The Go benefit, every three months, on the FNB/RMB Banking App. The benefit is only valid for the quarter in which it has been allocated to you, and will expire at the end of the 3 (three) month period. Any unused FNB On The Go benefit will expire, and will not be carried over to the next quarter.

FNB On the Go will only be available on the FNB/ RMB Banking App. You will need to log into the FNB/RMB Banking App to obtain the unique code which may be redeemed at a participating Wimpy for your complimentary meal. A new, randomly generated code is generated upon each request and can therefore not be saved and redeemed at a later stage. FNB cannot be held liable for non-redemption of FNB On The Go vouchers due to any system being down.

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Kauai Monthly Benefit

The Kauai monthly benefit gives qualifying Members a monthly complimentary menu item or voucher for redemption at any participating Kauai store in South Africa (excluding Kauai stores on school premises). To qualify for the benefit, you must qualify for eBucks Rewards and have 100% of your monthly spend on your FNB/RMB Private Bank Fusion or Credit Card. If you hold more than one qualifying account (e.g., both FNB Aspire and FNB Premier), Your spend is considered across ALL your qualifying accounts, therefore you MUST spend on your FNB/RMB Private Bank Fusion or credit card only to meet the 100% spend criteria.

NOTE: Spend on any of your debit cards will disqualify you for the Kauai benefit.

For FNB Aspire, you will qualify for this benefit for every month that you qualify for your Shoe reward as stated in the Earn Rules. The benefit is for qualifying FNB Aspire, Premier, Private Clients, Private Wealth or RMB Private Bank Account holders.

The benefit is allocated monthly when your reward level is determined and is based on your reward level for that month. You will receive your benefit on the same day as your eBucks allocation and your reward level update. Below are the benefits you can qualify for based on your reward level:

FNB Aspire customers can qualify for a KAUAI smoothie reward every month. Login to the FNB App, select eBucks then Earn and tap on the Boost my rewards tab to find out how you can qualify.

EBUCKS REWARD LEVEL

BENEFIT

eBucks Reward Level 1

Any short hot drink

eBucks Reward Level 2

Any small smoothie

eBucks Reward Level 3

Any large smoothie

eBucks Reward Level 4

R100 voucher

eBucks Reward Level 5

R120 voucher

The benefits available to each reward level will always be inclusive of the benefits available to the reward levels below. Members on reward levels 1 to 3 may only redeem 1 specified item. Members on reward levels 4, 5 may redeem for more than the value of the voucher, but will have to pay the difference in value in cash. FNB Aspire customers may only redeem the voucher for a small smoothie. Redemption is once-off, so if you redeem for a lesser value, you will lose the difference in value and will not be able to use the voucher again. The benefit cannot be exchanged for cash so no change can be given.

The benefit can only be redeemed through the FNB/RMB Private Banking App. The benefit is only applicable to in-store purchases and cannot be redeemed through the Kauai App, at a Kauai Fresh truck, from Kauai delivery service partners like Uber Eats and Mr D Food and cannot be used in conjunction with any other promotion or voucher. For Kauai stores located within a Virgin Active, customers need to be a Virgin Active Health Club member to gain access to that store. The menus may vary from store to store. Visit your nearest Kauai store for a complete list of items available in that store.

A generated QR code or voucher number will be valid for 48 hours. If the time passes without a redemption, you must generate a new QR code or voucher. A new code is generated upon each request and can therefore not be saved and redeemed at a later stage.

The benefit is only valid for a month until the next eBucks allocation day and does not carry over. If unused, it will be forfeited in the following month. FNB and Kauai cannot be held liable for the non-redemption of any benefit due to systems being down.

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Rewards for FNB Life

The amount on which you earn eBucks is limited to a total monthly premium spend of R7 000.

The monthly premiums on your qualifying FNB Life Insurance Policy, FNB Funeral Plan, FNB Health Cash Plan and Group Funeral Plan must be paid on time from an FNB Fusion Account/FNB Cheque Account/ RMB Private Bank Account/ RMB Private Bank Fusion Account or FNB Credit Card. You won't earn eBucks for any month where premiums aren't paid, either because you didn't make payment that month, or because FNB Life chose to waive your premium that month for any reason.

For FNB Life Simplified, Life Customised and Dynamic Life» Home products, you will earn up to 40% back in eBucks every month on premiums for the following benefits: Life Cover, Critical Illness Cover, Permanent Disability Cover, Income Protection and Family Funeral.

For FNB Life Simplified products, you will earn up to 25% eBucks back every month on premiums for the following benefits: Life Cover and Family Funeral.

For the FNB Life Protect Series, you will earn up to 15% back in eBucks every month on premiums for the following products: FNB Funeral Plan, Group Funeral Plan and FNB Health Cash Plan.

The percentage earned back in eBucks is calculated on the sum total of all your monthly premiums for all your qualifying FNB Life policies. Your participation in the eBucks programme allows us to better assess your risk, enabling you to earn back a percentage of your premium in the form of eBucks and/or collect points towards your rewards level.

For all FNB Life Insurance policies, only the payer of the premiums will earn eBucks, other lives insured and/or beneficiaries named in the policy won't earn eBucks.

These rules apply automatically upon you qualifying for eBucks rewards.

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Insurance Solutions from FNB

The monthly premiums on your qualifying FNB Life policies (FNB Key Person Insurance, FNB Contingent Liability Insurance, FNB Buy or Sell Insurance and Group Funeral Plan) and FNB Short Term products must be paid on time from your FNB Business Cheque Account. You won't earn the rebate on your premiums in eBucks for any month where premiums weren't paid, either because you didn't make payment that month, or because FNB Life or FNB Short Term chose to waive your premium that month for any reason.

The percentage of the rebate of premium in eBucks is calculated based on the sum total of your monthly premiums for all your qualifying FNB Life and FNB Short Term policies. Your participation in the eBucks programme allows us to better assess your risk, enabling you to earn back a percentage of your premium in the form of eBucks and/or collect points toward your rewards level.

Only Insurance products where FirstRand Life Assurance Limited or FirstRand Short Term Insurance Limited is the insurer are eligible for eBucks.

In the case of an FNB Life Policy or FNB Short Term Policy, only the payer of the premiums will earn a rebate of premium in eBucks; lives assured and/or beneficiaries named in the policy won't earn eBucks.

The amount on which you earn the rebate on your premiums in eBucks is limited to a total monthly premium spend of R7 000.

These rules apply automatically upon you qualifying for eBucks rewards.

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Competitions

SPECIFIC TERMS AND CONDITIONS

From time to time, We and/or Our Promoter(s) may run competitions. When the competition constitutes a promotional competition as defined in the Consumer Protection Act we shall ensure that we conduct the promotional competition in accordance with section 36 of the Consumer Protection Act.

Competitions will differ from one another and accordingly by clicking here You will be able to establish the following specific details and requirements of the relevant competition: competition name, identification of Promoter(s), prize(s) offered, specific participant eligibility to enter a competition, the start and closing date of a competition and any specific terms and conditions pertaining to the relevant competition, if any.

All competitions shall be governed by these Terms and Conditions; however should these Terms and Conditions conflict with the details, requirements and specific terms and conditions of a relevant competition, then such details, requirements and specific terms and conditions shall prevail.

In the event that the prize consists in whole or in part of a travel related activity, then the relevant eBucks Travel terms and conditions applies mutatis mutandis (i.e. with the necessary changes) to the competition and the prize.

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GENERAL ELEGIBILITY

Only South African residents who are Members are eligible to enter competitions.

If You are under 18 years of age and You are not an emancipated minor, then You may only participate in a competition with the authority and assistance of Your parent or guardian.

In certain circumstances, We may also require participants and/or winners to sign additional terms and conditions, indemnity forms and other documentation at any time during a competition and/or before taking up any part of a prize. Your failure to sign and timeously (irrespective of the cause of such late delivery) deliver those original signed additional terms and conditions, indemnity forms and documentation to Our domicilium citandi et executandi, shall entitle Us to disqualify You as a participant or a winner and You will forfeit the prize, without You having any right of recourse against Us and the Promoters for such termination or forfeiture.

Should the prize constitute in whole or in part an activity which relates to traveling outside the borders of the Republic of South Africa, then You and Your travel companion(s) (if applicable) must have valid passports at the time of entering the competition and the passports must remain valid for a period of 6 (six) months after the end of the relevant travel activity itinerary. You and Your travel companion must at the time of entering the competition have or be able to obtain a valid visa (if applicable) to undertake the international travel component of the prize.

The Promoter's and Our employees, directors, partners, members, trustees, beneficiaries, agents, consultants, sub-contractors, sponsors or any person associated, whether directly or indirectly with the competition or prize or any spouse, immediate family member, life partner, parents, children, business partner or associate of any such person are not eligible and accordingly barred from participating or entering any competition.

We reserve the right, in our sole discretion, to exclude You from being a winner should any of Your FirstRand Bank Limited's products be in arrears or over the credit limit at the time.

You herewith warrant that You have the right to enter into and participate in a competition without restraint, restriction or limitation or alternatively should You be so restrained, restricted or limited, You warrant that You have taken all the necessary legal steps that would enable Your entry and participation in the competition to be lawful and unconditionally legally enforceable.

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RIGHT TO CHANGE COMPETITION'S TERMS AND TERMINATION OF COMPETITION

We reserve the right, in Our sole discretion and without notice to You, to change these general terms and conditions applicable to all competitions and/or the specific details, requirements and specific terms and conditions of a particular competition.

We reserve the right, in Our sole discretion and without notice to You, to substitute any prize with another prize of similar commercial value.

If required as a result of current legislation or any subsequent change in legislation or if deemed necessary in Our sole discretion, then We shall have the right to terminate a competition immediately and without notice to You. In the event of such termination, You agree to waive any claims and rights which You may have in terms of a competition and acknowledge that You will have no recourse against Us, the Promoter or the respective directors, members, partners, trustees or employees.

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PUBLIC RELATIONS CONSENT AND OWNERSHIP

Should You be a participant and/or winner of a competition, You hereby consent to be filmed, photographed and displayed in any media. You authorise Us to use Your name and photograph for publicity purposes at any time and without obtaining Your further consent.

You agree to being called upon at any reasonable time for media interviews and to appear in advertising material as and when required.

We shall be the sole owner of all intellectual property created directly or indirectly in relation to the competition, the prize, awarding of the prize to the winner and the winner's experience relating to the prize and You waive all moral rights which You may have therein.

We shall have the exclusive right to use and to licence the use of Your name, sobriquet, photographs (taken by Us, the Promoter or our agents), likeness, voice and/or caricature in connection with the competition and the advertising, publicising, exhibition and/or other exploitation thereof in any manner.

You shall have no claim whatsoever for any compensation in relation to the aforementioned.

You are prohibited from acknowledging, making known or divulging any information pertaining to being a winner to any media, unless You are in possession of Our prior written authorisation.

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LIMITATION OF LIABILITY RELATING TO COMPETITIONS

Click here to read the Limitation of Liability provisions relating to Competitions.

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IF THE COMPETITION PRIZE CONSTITUTES, IN WHOLE OR IN PART, TRAVEL RELATED ACTIVITY

Then these Terms and Conditions and in more particular the below terms and conditions, read with the relevant eBucks Travel terms and conditions applies mutatis mutandis (i.e. with the necessary changes), to the competition and the prize.

Costs

We shall only be liable for those costs of the prize as expressly stated in the Itinerary. All other costs, notwithstanding such additional costs being associated, directly or indirectly, with Our expenditure obligations, shall be for the sole account of the competition winner.

Special requests

The competition winner must make all special requests known in writing to the Travel Agent as determined in terms of the competition (We may be designated in terms of the Competition as a Travel Agent) The Travel Agent will endeavour to comply with the special requests, which will be for the sole cost of the competition winner, but the Travel Agent can not guarantee that such requests will be met.

Itinerary variations

Whilst every effort is made to keep to all confirmed itineraries, the Travel Agent reserves the right to make changes thereto if deemed necessary by the Travel Agent or is advisable to do so or if for the competition winner's convenience. The Travel Agent may consider a competition winner's reasonable request to alter the arrival and departure times, but the Travel Agent is under no obligation to meet such requests. A competition winner's refusal/omission to strictly follow the contents of the Itinerary shall be deemed a material breach of these Terms and Conditions, and We reserve the right to cancel the agreement concluded between You and Us and any other relevant terms and conditions and claim damages and/or any other remedies We may have in law. Due to arrangements being made in advance, the Travel Agent has no control over airlines, hotels and / or other service providers who provide components of the travel portion of the prize and therefore changes and / or cancellations may, occasionally become necessary. Notwithstanding the Travel Agent having properly confirmed hotel accommodation, excursions, services, flights etc and in the event these become unavailable for whatever reason, the Travel Agent does not accept any liability.

Cancellation

We reserve the right to cancel, for whatsoever reason, any prize at any time prior to departure, in which event the competition winner will not have any claim against Us, the Promoters and/or any supplier of the prize.

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GENERAL

The winning competition entry for the relevant prize will be selected by way of a random system generated draw from the base of eligible entrants.

The competition's judges' decision is final and no correspondence will be entered into whatsoever. You will not dispute the judges' decision.

We will notify, as far as reasonably possible, winners by phone or through any other appropriate media. In the event that the winner can not be contacted, We reserve the right to disqualify the winner and replace him/her with another winner

By entering a competition, You automatically provide Us with the permission to communicate with You in relation to the competition. All communication with You shall be worded in English.

We will attempt to announce the winners on the Website or on any other appropriate media, within a week of doing the draw.

The winner shall not be allowed to transfer, assign, exchange or obtain a refund for the prize. The prize is incapable of being ceded or redeemed for cash and its terms are not subject to negotiation. The duration of the prize, if applicable, may not be extended.

If the winner is unable or chooses not to take up the prize within a period determined, in Our sole discretion, then We shall have the sole right to disqualify the winner and award the prize to any other person.

You agree to keep confidential any information about Us and the Promoter, received by You, as a result of Your participation in a competition.

Should Your conduct during the duration of the competition and the prize be deemed rude, abusive, unacceptable in any manner or be in contravention of any law, by-law or regulation or deemed otherwise unsuitable by Us or the Promoter, then We may, in our sole discretion, exclude You from the competition and/or cause You to forfeit the prize, without You having any claim whatsoever against Us and the Promoter for such exclusion from the competition and/or the forfeiture of the prize.

We reserve the right in Our sole discretion to disqualify You, should We find that You are tampering with the entry process or the operation of the competition or acting in violation of these Terms and Conditions and/or the competition's specific details, requirements and specific terms and conditions or otherwise in a disruptive and/or unethical manner.

We will keep Your personal details and information on prizes won, if any, for accounting purposes. We may be obliged to pass Your details on to the South African Revenue Services. You hereby undertake to comply with all tax obligations as a result of partaking in a competition and the awarding of any prizes and indemnify Us and the Promoter from any claims and/or damages arising from the non-compliance of any such tax obligations.

All information relating to the competition and published on any promotional material will form part of the terms and conditions of entry.

By participating in the competition, hosted on the Website, on any website of a Partner or Promoter or via the eBucks Contact Centre, You agree to be bound by these Terms and Conditions and any specific details, requirements and specific terms and conditions pertaining to a competition.

All information relating to a competition and published on any promotional material or on any other medium are hereby specifically incorporated into these Terms and Conditions,

For further information or queries, please contact eBucks on 087 320 3200.

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Competitions

FNB & Clicks Seniors Month Competition

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FNB eBucks and Sunglass Hut Festive '23 Competition

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eBucks Easy and Aspire Competition

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FNB eBucks and Engen Festive '23 Competition

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FNB eBucks and Le Creuset Festive '23 Competition

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FNB eBucks & Clicks Seniors Month Competition

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FNB/RMB eBucks Partners R10 000 Superbalist voucher

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FNB eBucks an Le Creuset Festive '22 Competition

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Stand a Chance to Win Ten Times your Annual eBucks Spend back

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eBucks Internal Staff Competition

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eBucks Partners: eBucks and CTM Competition

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eBucks Partners: eBucks and Clicks - 2 year anniversary Celebration Competion

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eBucks & Intercape Festive 2021

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eBucks & CTM Festive 2021

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eBucks Festive Competition (eBucks & Takealot)

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Spend Competition 2021: Swipe, tap, click or scan to win (Internal FirstRand Staff)

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Spend Competition 2021: Swipe, tap, click or scan to win

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CTM – Win R25 000 in eBucks

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eBucks Shop win R1000 Voucher competition

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Lift & eBucks Travel Competition

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All about Risoli - Win a hamper to the value of R5000

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Engen: Stand a chance to win fuel for your business

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Stand to win eB 50 000 with Cable Guy

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FNB in conjunction with Visa - Win Groceries at Checkers

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eBucks Shop - Feel like a million eBucks Competition

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Engen Competition (Stand a chance to win your share of R50 000 in Engen 1App vouchers)

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eBucks 20th Birthday Kauai Competition(Stand a chance to win a R200 Kauai Digital Voucher)

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eBucks 20th Birthday Influencer Competition

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eBucks 20th Birthday 947 Competition

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eBucks 20th Birthday KFM 945 Competition

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eBucks 20th Birthday East Coast Radio Competition

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eBucks Shop PS5 Giveaway

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eBucks Travel Airlink Flight Competition

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Vision Works Festive Competition

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Africamps(Boutique Glamping Giveaway Competition)

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Checkers Festive Competition

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Wimpy Festive Competition

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eBucks 20th Birthday Celebration(Win your share of R20 million over 20 days in eBucks or Airtime) - Internal Staff Only

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eBucks 20th Birthday Celebration(Win your share of R20 million over 20 days in eBucks or Airtime)

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eBucks 20th Birthday: CrossTrainer/X-Trend/X-Kids Competition(Get 20% off on full priced merchandise)

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eBucks 20th Birthday: Superbalist Competition(Win One of Twenty R500 Superbalist Gift Vouchers)

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eBucks 20th Birthday: Clicks Competition(Stand a chance to win one of 20 × 20 000 eBucks)

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eBucks 20th Birthday: Barnyard Competition(Win one of 25 double tickets for any Barnyard Show)

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eBucks 20th Birthday: Ascot Competition(Win a 1 of 5 Clarins Hampers)

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eBucks 20th Birthday: CTM Competition(Win your share of 1 Million eBucks)

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eBucks 20th Birthday: Cape Union Mart Competition(Win a R1000 voucher from Cape Union Mart)

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eBucks 20th Birthday: Keedo Competition(Win a R1000 voucher from Keedo)

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eBucks 20th Birthday: Poetry Competition(Win a R1000 voucher from Poetry)

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eBucks 20th Birthday: Tread Miller Competition(Win a R1000 voucher from Tread Miller)

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eBucks 20th Birthday: Old Khaki Competition(Win a R1000 voucher from Old Khaki)

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eBucks 20th Birthday: Engen Competition(Win your share of R10 000 in Engen 1App Vouchers)

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eBucks 20th Birthday: Intercape Competition(Win Free Travel for a year)

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FNB eBucks Black and Decker

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Checkers Little Garden Campaign,

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eBucks Shop Want To Be An eBucks Millionaire Competition

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eBucks Travel and Air Mauritius Competition

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NetFlorist pre-Valentine's Competition

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Feel like a million eBucks - One Day Only & Incredible Connection

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eBucks Travel January 2020

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FNB/RMB Private Bank & eBucks ‘spend and win a million eBucks’

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Shop - Win one of 2 PS4 Consoles

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Campaigns

FNB and Engen New Litres Campaign (Business customers)

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eBucks and ARC Stores Festive '24 Campaign

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FNB eBucks and Le Creuset Festive '24 Campaign

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FNB & Clicks Festive '24 Campaign

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eBucks Travel Festive Flights & Wimpy

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eBucks Travel Festive Car Rental & Engen Campaign

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eBucks Travel Festive 10% Earn Back

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eBucks Travel Festive All Airlines on Discount & 10% Earn Back

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eBucks Travel Festive Quickbus & Mr D Campaign

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Superbalist Black November

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FNB and Engen New Litres Campaign

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OneDayOnly Discount Voucher Campaign

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Festival of Motoring (GWM Priority Pass)

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Festival of Motoring (Chery Priority Pass)

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Takealot First Time Buyers

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Takealot FNB Day

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FNB eBucks R15 Weekly Vouchers

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Get Irresistible Daily deals at OneDayOnly

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eBucks eB30 000 Earn Back on Celebrity Cruises Campaign

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Mr D Mega eBucks Day

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FNB & Clicks Spend Campaign

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Takealot First Time Buyers

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eBucks and ARC Stores

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OneDayOnly Discount Voucher Campaign

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Get a R50 Mr D food voucher code with every QuickBus booking on the FNB App.

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FNB Dynamic Rewards Unassisted Servicing Campaign

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eBucks Travel Easter Campaign

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eBucks and NetFlorist Pre - Valentine's Day Campaign

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Get Irresistible Daily deals at OneDayOnly.

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Superbalist 20% off First Purchase

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Mr D: Get R60 off your first Mr D Food order of R100 or more

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Back to School with Checkers

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Back to School with eBucks & Snapplify

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Back to School with Takealot

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Global Account Virtual Card Festive Spend – eB5000

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eBucks Travel flight booking on FNB/RMB PB App: Uber Voucher earn

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eBucks Shop on FNB App iStore Black Friday Spend Campaign

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FNB & eBucks Shop NFC Device Discounts Black Friday Spend Campaign

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NetFlorist Black Friday with eBucks Festive

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FNB & Mr D Food R75 off

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FNB Superbalist Boost your Basket

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Fly anywhere, on any airline with your eBucks Travel Discount

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eBucks Travel & FlySafair Priority Boarding Summer Campaign

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FNB & Clicks Summer Spend Campaign

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OneDayOnly Discount Voucher Campaign

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20% off venue hire at Workshop17

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Get Irresistible Daily deals at OneDayOnly.

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FNB and Engen 1app Voucher Campaign

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OneDayOnly Discount Voucher Campaign

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FNB Superbalist First 300

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Get Irresistible Daily deals at OneDayOnly

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NetFlorist 20% off for Women's Day

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OneDayOnly Discount Voucher Campaign

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eBucks and Clicks Baby Club campaign

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Get Irresistible Daily Deals at OneDayOnly

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OneDayOnly Discount Voucher Campaign

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FNB & Mr D : Get R35 off your Mr D Food order of R100 or more

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FNB Takealot : 18% off Books

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FNB Superbalist : get 25% off sneakers

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Get 20% off first purchase on Superbalist.com

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FNB Virtual Card: Spend and Earn x2 eBucks Rewards at Clicks in April 2023

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OneDayOnly Discount Voucher Campaign

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Mr D Food First Time Shopper R60 Off Campaign

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OneDayOnly Discount Voucher Campaign

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eBucks: NetFlorist Valentine's Day

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FNB eBucks and Udemy No Activation Fee Campaign

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OneDayOnly Discount Voucher Campaign

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FNB - Get up to 60% off on the eBucks Shop

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Earn double your eBucks Rewards at Shoprite/Checkers

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Get R100 off your next purchase at Takealot when spending a minimum of eB4000

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OneDayOnly Discount Voucher Campaign

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NetFlorist Black Friday with eBucks Festive

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FNB eBucks Earn Double Rewards at Shoprite/Checkers

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Stand a Chance to Win Ten Times your Annual eBucks Spend back

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FNB and Engen Fuel Relief Campaign

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Earn 10% back on Bus Tickets – Festive Campaign

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FNB eBucks Unlimited SLOW Lounge Access

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FNB eBucks and Clicks Senior's Campaign

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FNB and Engen 1 App Voucher Campaign

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eBucks and Keedo Campaign

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eBucks and Old Khaki Campaign

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eBucks and Poetry Campaign

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Get R60 off your Mr D Food order of R100 or more as a First-Time Shopper

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Takealot FNB Day

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Buy 1 Ticket Get 1 FREE with Barnyard

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Get Irresistible deals at OneDayOnly

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FNB eBucks Unlimited SLOW Lounge Access

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Engen Fuel Relief Campaign

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OneDayOnly Discount Voucher Campaign

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eBucks and Cape Union Mart K-Way Campaign

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eBucks and Clicks Baby Club promotional campaign

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Starbucks

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Rugby Championships 2022 - FNB 48 Hour Pre-sale Ticket Campaign

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eBucks and Clicks Virtual Card Double Earn Festive Campaign

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Festive Checkers Coupons Campaign

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eBucks and Wade Bales Festive (Get 50% off on Selected Offers on Wade Bales Website)

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eBucks and Wade Bales Festive

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FNB/RMB customers stand a chance to win weekly spot prizes when shopping on One Day Only during the competition period.

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Earn additional 10% back

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Get R50 off your Mr D Food order of R100 or more as a First Time Shopper.

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Get R75 off your OneDayOnly order for R200 or more.

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eBucks & SweepSouth Festive 2021

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eBucks & Ascot Festive 2021

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eBucks & Cape Union Mart Festive 2021

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eBucks & Old Khaki Festive 2021

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eBucks & KEEDO Festive 2021

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eBucks & CyberCellar Festive 2021

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eBucks & Vision Works Festive 2021 (20% off)

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eBucks & Vision Works Festive 2021 (10% off)

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Superbalist eBucks Festive

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eBucks and Tread & Miller Festive 2021

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eBucks & Poetry Festive 2021

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eBucks & Vision Works Festive 2021 (25% off)

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Spend Campaign 2021: Get cash back

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eBucks Travel Flight Discount Campaign

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eBucks and Clicks Seniors promotional campaign

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SLOW Lounge unlimited access

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eBucks shop and Garmin free offer promotional campaign.

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Get R100 off your Mr D Food Order when booking LIFT flight through eBucks Travel via FNB App.

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eBucks and Cyber Cellar First Time Shopper

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Give your Kitchen a SmegLift

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Get Irresistible Daily deals at OneDayOnly

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Superbalist (Get R200 off First Superbalist order of R650 or more)

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Mr D Food (Get R60 off first Mr D Food orders of R100 or more)

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Heart it Cart it (eBucks & Visa double eBucks Campaign)

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Airlink Flight sale Campaign (Discounted Fares on specific Airlink Routes)

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eBucks and Clicks Anniversary Promotional Campaign

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eBucks Shop Apple TV+ Campaign

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Clicks ‘Baby 4 Me’ Promotional Campaign

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Clicks Threshold Vouchers on App Campaign

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NetFlorist Black Friday & Cyber Monday Campaign(40% off R250, R350, R500 vouchers)

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eBucks Birthday Superbalist Campaign(Get 20% off sitewide)

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eBucks Birthday Ascot Campaign(Get up to 50% off selected products when you shop online)

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Intercape Black Friday Campaign(R100 Bus Tickets for the first 100 customers)

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eBucks Birthday Wade Bales Campaign(Get up to 50% off selected Wade Bales wines)

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eBucks Birthday CyberCellar Campaign(Get 20% off 2020 Vintage wine with FREE delivery)

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Mr D Campaign(20% off your next order)

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SweepSouth Campaign

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eBucks Birthday NetFlorist Festive Campaign(Get 15% off Chocolate and Alcohol)

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eBucks Birthday Intercape Festive Campaign(Get 20% off when purchasing tickets with eBucks)

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Takealot: Get R200 off your first Takealot purchase of R450 or More

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Mr D Food Campaign

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Mr D Food R150 Off Launch Promotion

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ONEDAYONLY

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eBucks Travel: Beachcomber Mauritius(February 2020)

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The Entertainer™ : Waived Annual Subscription for FNB Customers

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eBucks Travel & Mango Flight Sale (February 2020)

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Feel like a million eBucks - Checkers, InterCape & Le Creuset

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Feel like a million eBucks - Engen & Cape Union Mart

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Black Friday Disney Deals

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Feel like a million eBucks Festive (Cross Trainer & Takealot)

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Feel like a million eBucks Festive (Superbalist & Uber)

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Feel like a million eBucks Festive Campaign (KFC & CTM)

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Feel like a million eBucks Festive Campaign (Netflorist & Yuppiechef)

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Uber Eats: Get R75 off 3 Orders of R100 or more

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Feel like a Million eBucks Festive Campaign (Takealot & Superbalist)

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FNB Offers: Personal Loan Take Up(Nov 2019)

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FNB Offers: Credit Card Switch Campaign(Nov 2019)

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FNB Offers: Digital Financial Transaction Campaign(Nov 2019)

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FNB Offers: Credit Switch Campaign(Nov 2019)

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FNB Offers: Credit Card Spend Campaign(Nov 2019)

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FNB Offers: Digital Financial Transaction Campaign(Islamic - Nov 2019)

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FNB Offers: Salary Deposit Campaign(Islamic - Nov 2019)

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FNB Offers: Salary Deposit Campaign(Nov 2019)

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Festive Campaign (KFC & Yuppiechef)

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FNB "Marvel Universe LIVE" Campaign

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FNB "The Lion King Live in Concert" Campaign

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Uber Eats Campaign

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Cross Trainer Campaign

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eBucks Card

ELIGIBILITY FOR AN eBUCKS CARD

Before You are able to use Your eBucks Card, You must be a Member of the eBucks Rewards Programme.

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ACTIVATION OF YOUR eBUCKS CARD

We differentiate between an eBucks Personal Card (an eBucks Card issued in respect of a Personal eBucks Account) and an eBucks Business Card (an eBucks Card issued in respect of a Business eBucks Account.)

eBucks Personal Card

Upon receipt of your eBucks Personal Card, You will immediately be able to use Your eBucks Card at Our selected Partners' stores for purposes of earning eBucks and spending eBucks. In other words, We will automatically:

  • link Your Personal eBucks Account to Your relevant eBucks Personal Card for purposes of earning eBucks; and
  • allocate Your eBucks PIN to Your eBucks Personal Card

 

However, should You have registered for the eBucks Rewards Programme prior to 8 April 2009, then Your eBucks Personal Card will only be pre-activated for earning eBucks. In order to spend Your eBucks with Your eBucks Personal Card at Our selected Partners, You will first have to contact the eBucks Contact Centre on 087 320 3200 or log on to the Website, authenticating Yourself, and requesting that Your eBucks PIN be send to Your Selected Cell Phone Number. You will not be able to spend Your eBucks with Your eBucks Personal Card until such time that You have received Your eBucks PIN SMS notification/reminder on Your Selected Cell Phone.

eBucks Business Card

Upon receipt of your eBucks Business Card, You will only be able to use Your eBucks Business Card at Our selected Partners' stores for purposes of earning eBucks, whilst You will not able to spent You eBucks. In other words:

  • We will automatically link Your Business eBucks Account to Your relevant eBucks Business Card for purposes of earning eBucks; however;
  • In order for You to spend Your eBucks in one of Our Spend Partner's retail stores, Your Business' Transactor needs to log onto the Website and select an eBucks Business Card PIN for the eBucks Business Card. (Please note, that the eBucks Business Card's PIN will be different to the eBucks PIN's selected or generated for the Primary Member and Transactor).

Because We communicate with You through the Internet, via SMS or over the telephone, You agree that We are entitled to assume that You have authorised all transactions once Your Access Codes have been entered or provided to the eBucks Contact Centre, via www.eBucks.com or via FNB Online at www.fnb.co.za. You are also responsible for providing Us with Your or the Business' most up-to-date contact details, as and when they change. We respect Your right to privacy and Your personal information. You acknowledge that We may have to share certain of Your personal information with our Affiliates, Partners and Suppliers in the ordinary course of business of providing You with products and services and You provide Us with Your express permission to do so.

For security purposes You must keep Your eBucks PIN/ eBucks Business Card PIN separate from Your eBucks Card.

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USE OF YOUR eBUCKS CARD

Your eBucks Card remains Our property and You must return it to Us immediately on Our request.

Only You may use Your eBucks Card on Your own purchases and You must ensure that no one else uses it.

You may only have one eBucks Card linked to Your eBucks Account.

A Business may have only one eBucks Card which can be used by either the Primary Member or the Transactor.

You may use Your eBucks Card to earn and/or spend Your eBucks when You purchase products and services at selected Partners.

You may also use Your eBucks Card to request Your eBucks balance enquiry at the point of sale of the selected Partners. Your eBucks Card may only be used at selected Partners' electronic points of sale devices. Your eBucks Card cannot be used for any transactions conducted at any ATM.

When You use Your eBucks Card to spend eBucks on products and services You purchase at selected Partners, You must enter Your eBucks PIN on the Partner's point of sale device before the transaction will be processed.

The purchase price at the Partner's point of sale will always be reflected in the Rand value and not the eBucks value.

You are responsible for ensuring that sufficient funds are available in Your eBucks Accounts before making a purchase and Your eBucks Accounts may never have a negative balance. You may, subject to the Partner's consent, pay, in part, for the products and services with eBucks (with Your eBucks Card) and in part with Rands (either cash, credit card or cheque, depending on the Partner's requirements). For part payment in Rands, it is in the Partner's sole discretion whether You will be able to earn eBucks on the Rand portion of that part payment.

We do not currently endorse any application software that allows You to digitally store your eBucks Card image or information on the application software. If You decide to use any such application software You do so entirely at Your own risk and You hereby indemnify Us against all losses or damages that You may incur due to You using such application software, including but not limited to: loss or damages resulting from the fraudulent use of Your eBucks Card image or information or the unauthorized use of Your personal information.

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RETURNS AND REFUNDS

All returns and refunds of the products and services purchased with Your eBucks Card are subject to each Partner's own returns and refunds policy.

Returns and refunds will only be accepted and made at the store at which You purchased the products and services.

If You wish to return products and services, subject to the Terms and Conditions, Service Terms and any other terms and conditions on the Website, purchased with Your eBucks Card, and You purchased the products and/or services entirely with Your eBucks, You will be reimbursed with either a credit note or in eBucks (not Rands) directly into Your eBucks Account, whichever is applicable. If however, You purchased the products and services in part with eBucks and in part with Rands, We will try to refund You the portion paid with eBucks. The Partner will be liable for amounts paid using Rands.

Partners will not refund Your eBucks Account directly. The refund request will be forwarded to Us, and We will try to credit Your eBucks Accounts with the eBucks amount.

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PARTNER PURCHASES AND ALLOCATIONS

Where you have made qualifying purchases whether in-store or online resulting in our Partner allocating you eBucks and you later return them for a refund, your allocated eBucks may be reversed from your account as a result of the refund.

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QUALIFYING SPEND IN RELATION TO POINTS CRITERIA

Should you make qualifying purchases whether in-store or online and later return them for a refund, we will have a right to recalculate the eBucks and/or eBucks points allocated to you based on your qualifying purchases in order to align your allocation to your actual spend.

Where a returned purchase and the qualifying spend associated with that purchase affect points allocated to you, this could result in a change in your reward level, which would affect the amount of eBucks you should have earned and these eBucks will then be deducted from Your monthly eBucks allocation either in the same month or the following month. eBucks and eBucks points are allocated based on the customer's qualifying spend and once an item has been returned and funds reversed, the reversal no longer qualifies as a spend.

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LOST, STOLEN OR DAMAGED eBUCKS CARDS

If Your eBucks Card has been lost, stolen, damaged and/or someone has used Your eBucks Card PIN/ eBucks Business Card PIN without Your authority, it is Your responsibility to immediately cancel Your eBucks Card either online at www.eBucks.com or by calling the eBucks Contact Centre on 087 320 3200.

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COURIER OPTION

Existing Personal Members with a Personal eBucks Account may as from 03 October 2012 acquire an eBucks Card through the eBucks Shop and have it couriered to them. There is no charge for the eBucks Card other than the delivery fee disclosed under FEES AND CHARGES. Any existing eBucks Card linked to Your eBucks profile will automatically be cancelled when you acquire a new eBucks Card through the eBucks Shop.

All newly registered Business Members who have supplied Us with a valid email address at the time of registration, will receive a welcome email with clear instructions on how to order a Business eBucks Card. If an email address was not provided upon registration or the email address provided is found not to be valid, such newly registered Business Members will have their eBucks Business Cards posted to them.

The eBucks Business Card is assigned and allocated against the business profile and not to the Primary Member or Transactor in their personal capacity.

Existing Business Members who do not have eBucks Business Cards or want to order a new eBucks Business Card can do so via courier or post.

If You choose to order a new or replacement eBucks Business Card via post, You will need to log into the Website and click on the Business card tab. You will then be required to cancel your old eBucks Business Card (where applicable) before you may proceed with your order for a new or replacement eBucks Business Card. Should You not receive your eBucks Business Card within 15 (fifteen) business days, You must contact the eBucks Contact Centre on 087 320 3200 for further assistance.

If you choose to order a new or replacement eBucks Business Card via courier, You will need to log into the Website to access the eBucks Shop tab. You can place your order by adding your eBucks Business Card to your shopping cart. You may pay for your delivery fee of eB40 (R40.00) with either Your eBucks Account or your FNB or RMB credit card or cheque account. Should You not receive your eBucks Business Card within 5 (five) business days, You must contact the eBucks Contact Centre on 087 320 3200 for further assistance. Notwithstanding the delivery fee stipulated above, your order placed with the eBucks Shop will be subject to the eBucks Shop specific terms and conditions which can be found under the eBucks Shop section. If you order any other items from the eBucks Shop at the same time, normal delivery periods and fees will apply.

When ordering a new eBucks Business Card from the eBucks Shop, any existing eBucks Business Cards allocated against the business profile will be automatically cancelled. Business Members will not have the option to order eBucks Business Cards from DotFNB amd Checkers/Dischem.

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eBucks Shop

eBUCKS SHOP

The eBucks Shop is an online shopping catalogue, located on Our Website, where You can spend Your eBucks.

All purchases made by contacting Our Contact Centre will be deemed to have been made via the eBucks Shop, in light of the fact that Our Contact Centre Agent will on Your behalf access the online eBucks Shop and electronically purchase those required goods and/or services upon Your instructions.

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eBUCKS SHOPPING BASKET

All Your offers to purchase goods and services in the eBucks Shop will be placed in a Shopping Basket until You Check Out.

Your Shopping Basket will automatically be saved if You log out from the eBucks Shop prior to Check Out. Once You visit again the eBucks Shop, all new offers to purchase goods and services will be added to Your previously saved Shopping Basket.

The saved Shopping Basket shall expire after 180 (one hundred and eighty) calendar days after You have made your last modification of the saved Shopping Basket. Expiry of the Shopping Basket will result in all Your saved offers to purchase goods and services being deleted and You will have no record thereof.

You can not save more than one Shopping Basket at a time.

You will be able to view at any time prior to Check Out the goods and services in Your Shopping Basket together with a description, price, delivery time and an indication of availability, for each such goods and/or service.

You may discard any goods or service in your Shopping Basket and accordingly withdraw your offer to purchase the relevant goods or service in your Shopping Basket at any time prior to Check Out.

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SPENDING IN THE eBUCKS SHOP

The goods and/or services in the eBucks Shop are subject to availability and will vary from time to time. Please remember that all goods and services in the eBucks Shop are detailed in the product description and do not include the accessories which may be shown in the image which accompanies the goods and/or services description (e.g. batteries and gas cylinders).

Although certain goods and services are advertised in the eBucks Shop, most of Our goods and services are supplied to Us by Our Suppliers to whom You must refer all complaints and queries. Please see Our note on Suppliers as defined by the Electronic Communications and Transactions Act 25 of 2002. We do not own the goods or services, hold physical stock of the goods, have any control over stock availability or guarantee that the goods and/or services will always be available. If We are the Suppliers of goods and services You may refer Your queries and complaints to Us.

Goods and services advertised in Our marketing material are limited by stock availability and We have no obligation, subject to the provisions of the Consumer Protection Act, when and if applicable, to make available any goods and/or services for whatsoever reason including for reason being that such goods and services have been sold out, even if it still appears in the marketing material.

If goods and/or services becomes unavailable during or after Your purchase of it, and should it not be possible for Us to fill the order with replacement goods and/or services, We will try to inform You within 7 (seven) Business Days of the unavailability of the goods/services purchased, and the full purchase price which may have been withdrawn from Your eBucks Account or Your FNB or RMB credit card or cheque account will be refunded to You as soon as is reasonable possible, subject to the returns and refund rules set out in a separate section of these Terms and Conditions below.

If Your FNB or RMB Private Bank credit card or cheque card has not been registered for Verified by Visa You will have to log into FNB Online Banking and register for Verified by Visa before you are able to receive your OTP to purchase goods and services in the eBucks Shop, using Your FNB or RMB Private Bank credit card or cheque card.

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BUSINESSES AND THE eBUCKS SHOP

Certain special offers relating to Businesses may only be available to Members with Business eBucks Accounts.

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PURCHASE OF CHILDREN'S GOODS AND TOYS

When purchasing children's goods and toys via the eBucks Shop, You must ensure that these goods and toys are used for the age group as described on the packaging, for the purpose for which they were designed and with parental supervision.

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PURCHASE OF VIRTUAL VOUCHERS

All Virtual Vouchers will be delivered to the recipient within 24 (twenty-four) hours after purchase. All multiple Virtual Vouchers will be printed separately as tickets or vouchers (where ever applicable) at the point of collection. No refunds will be allowed on any Virtual Voucher purchases. Any requests for a Virtual Voucher to be re-sent will attract a fee of eB50.

IMPORTANT: All Virtual Vouchers will be valid for a period of 3 (three) years from the date the Virtual Voucher was issued, unless its full value has been redeemed in exchange for goods or services or future access to services before the expiry of the 3 (three) year period).

A Cinema Nouveau Virtual Voucher and the subsequent printed ticket can be collected and used at any Ster-Kinekor theatre nationwide, however collection of the printed ticket and/or use thereof at any Ster-Kinekor theater other than at a Cinema Nouveau theater, will result in You forfeiting the difference in price between a Cinema Nouveau Virtual Voucher and that of any other Ster Kinekor theatre's Virtual Voucher. A Classic Virtual Voucher and the subsequent printed ticket can be collected and used at any Classic, Junction or Budget Ster-Kinekor theatre nationwide, however collection of the printed ticket and/or use thereof at a Junction or Budget Ster-Kinekor theatre, will result in You forfeiting the difference in price between a Classic Virtual Voucher and that of Junction or Budget Virtual Voucher (which ever is applicable). A Junction Virtual Voucher and the subsequent printed ticket can only be collected and used at the Junction theatres nationwide. Please note that cinemas will not give refunds for any Virtual Voucher purchased and/or the subsequent printed ticket collected at the cinemas.

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PURCHASE OF ALCOHOL

Only persons over the age of 18 (eighteen) years may order and purchase alcohol from our licensed external Suppliers via the eBucks Shop. We will not process the payment for the purchase of alcohol to any person under the age of 18 (eighteen) years. The licensed Suppliers' own Services Terms will apply to the transaction and the items purchased from them will be delivered to You by the Supplier of the alcohol.

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DELIVERY

  • Delivery of products

    But for a few exceptions mentioned hereunder, goods that You purchase in the eBucks Shop will only be delivered to a South African residential street address (i.e. not to a postal address), chosen by You on Your purchase of the goods.

    Exceptions to the rule that goods will only be delivered to a residential street address includes the following:

    • Virtual Vouchers are sent by SMS to Your designated cellular phone number;
    • Airtime is automatically uploaded onto a designated cellular phone within 24 (twenty-four) hours;

    The residential street address chosen by You must be within the borders of the Republic of South Africa. We do not deliver to all areas in the Republic of South Africa and We will inform You telephonically if Your residential street address falls in an area to which We do not deliver.

    If You request that the goods purchased in the eBucks Shop be delivered to a place of work, then the Recipient will be deemed to have accepted the goods on the date and time of signature by the Recipient. We will not be held responsible or liable for any loss, damage or theft of the goods by such Recipient or any other person.

    We will not be able to change the delivery address once You place Your order.

    It is the Recipient's responsibility to ensure on delivery that the seals of the goods have not been broken or tampered with. If the seals has been broken or tampered with, You must contact the eBucks Contact Centre on 087 320 3200 within 24 hours of delivery to advise Us of the condition of the goods on delivery.

  • Delivery Fees

    The Website will automatically calculate one Delivery Fee for each Shopping Basket, which is separate from any Additional Delivery Fees,

    The Delivery Fee shall be included in the final Shopping Basket price, which final price You will have to accept upon Check Out in order to conclude the transaction.

  • Additional Delivery Fees

    An additional delivery fee may be charged for the delivery of goods to an area to which We do not usually deliver. You must however, give Your prior written approval for this additional delivery fee to be deducted from either Your eBucks Account or your FNB or RMB credit card or cheque account.

    Should You fail/omit to provide Us with Your written approval for deducting this Additional Delivery Fee within 24 (twenty four) hours from Our written request, then We will retain in Our sole discretion the right to terminate the purchase without Us incurring any liability whatsoever for such termination.

    If We attempt to deliver goods at a place and time agreed with You and You, Your domestic worker, security officer or the Recipient is unavailable to take delivery, a second and possible further attempts to deliver the goods will carry, in our sole discretion, an additional charge for each attempt. You will then be required to approve the additional charge for each attempt, which will be deducted from Your eBucks Account or Your FNB or RMB credit card or cheque account. Should You fail to approve this additional charge for each attempt, within 24 (twenty four) hours from Our written request, then We will retain in Our sole discretion the right to terminate the purchase and charge You the Delivery Fee, applicable Additional Delivery Fees and abovementioned additional charges for each attempt, without Us incurring any liability whatsoever for such termination.

    We shall in Our sole discretion decide whether We shall attempt to deliver the products after the first attempt.

  • Estimated Delivery Times

    The delivery period for different products may vary depending on the type of product and the availability of the product.

    Save for goods and services delivered by post, SMS or uploaded on a cellular phone, the Website shall automatically inform You, prior to Check Out, of the delivery time of each of the goods in the Shopping Basket, however all the goods in your Shopping Basket will be delivered at the same time. Accordingly, the delivery period of all products in Your Shopping Basket, shall constitute the delivery period of the goods with the longest delivery period.

    The delivery time of goods delivered by post, SMS or uploaded on a cellular phone will be solely dependant on the South African Postal Services or the relevant cell phone operators, respectively.

    We will not be liable, subject to the provisions of the Consumer Protection Act, when and if applicable, for any loss or damage You may suffer if the goods are not delivered within the estimated delivery times specified above

  • Same-day delivery service
    1. The same-day delivery service only applies to selected post codes within Johannesburg. Please view the list of the selected postcodes prior to requesting the same-day service (such list, referred to as the “Designated Area List”). (Click here to view the Shop Express Designated Area List) (Click here to view the Netflorist Designated Area List).
    2. To qualify for the same-day delivery service –
      1. products must be purchased from the same-day delivery category; and
      2. �the order must be placed before 12H00 on the day the delivery is required (such time, referred to as the “Cut-off Time”).
    3. If You place an order for a delivery to an area that does not appear on the Designated Area List, such order will be delivered in accordance with the standard delivery period of up to 7 (seven) days. No refund will then be issued for the same-day delivery fee.
    4. In the event that an order is placed and received by Us after the Cut-Off Time, the products will be delivered on the next Business Day. No refund will then be issued for the same-day delivery fee.
    5. The same-day delivery service is offered for Business Days only.
    6. You will need to accept and sign for receipt of a delivery. The contents of the delivery cannot be left unattended to at Your specified address.
    7. You must be available to accept the delivery when the delivery representative arrives.  The delivery representative will wait for a period of 10 (ten) minutes from arrival (such period, referred to as the “Delivery Period”).
    8. If You do not accept the delivery during the Delivery Period, there will be a second attempt to deliver the product/s on the next Business Day.� No refund will then be issued for the same-day delivery fee.
    9. Same-day deliveries will take place between 08H00 and 18H00. Delivery times cannot be guaranteed.
    10. Cancellations of orders need to be communicated to Us by 12H00 on the day the goods were scheduled to be delivered. Please contact the eBucks contact centre to communicate any cancellations.
    11. All the products in your Shopping Basket will be delivered at the same time. Accordingly, the delivery period of all products in Your Shopping Basket, shall constitute the delivery period of the goods with the longest delivery period and with the highest delivery fee.
    12. Please ensure that You check Our Website for the same-day delivery service fees, which are subject to change from time to time.
    13. The same-day delivery service will be available from time to time, at Our discretion. Please ensure that You check Our website regularly. The following terms and conditions will apply when the same-day service is offered.
  • Tracking Your order

    To track Your order, contact the eBucks Contact Centre on 087 320 3200 and quote Your purchase reference number or alternatively You could track Your order on the Website.

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PRICING

  • Pricing of products

    We reserve the right to change the selling price of any goods and/or services from time to time without any prior notification.

    We will not enter into any negotiations regarding the price of the eBucks Shop goods and services.

    We do not warrant fix prices and the availability of goods and services in a Shopping Basket saved prior to Check Out for later use and accordingly accepts no liability whatsoever, subject to the provisions of the Consumer Protection Act, when and if applicable, for such price fluctuations and goods and services non-availability. The Website will automatically inform You of such changes once You re-enter your saved Shopping Basket and prior to Check Out.

  • Vouchers including Virtual Vouchers

    Vouchers are only available in denominations as advertised on the eBucks Shop or through the eBucks Contact Centre.

  • Errors and Omissions

    We reserve the right to correct at any stage all errors and omissions of the advertised prices of goods, services, Delivery Fees and Additional Delivery Fees.

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RETURNS & REFUNDS

Subject to the provisions of the Consumer Protection Act, when and if applicable:

All returns and refunds are subject to Our Suppliers' returns and refunds policies and Service Terms and We therefore do not guarantee the replacement of returned goods, as this is subject to the Suppliers' stock availability and Service Terms.

You may only return goods or request a refund in the following circumstances:

  • if the goods are damaged prior to delivery;
  • if the goods are faulty on delivery;
  • if the incorrect goods were delivered; or
  • enforcing the "cooling-off period" as described elsewhere in these Terms and Conditions.

No returns or refunds will be accepted after 6 (six) Business Days of delivery of the product.

Vouchers may not be cancelled or refunded if lost or stolen.

The goods will not, under any circumstances, be returned or refunded, unless the goods are in their unopened packaging or in their original condition and repackaged in their original packaging and in a condition for re-sale.

Should you purchase bundled goods or should Your purchase be inclusive of free promotional goods, all included goods must be returned upon request for a refund.

The goods must be in a resalable condition in their original packaging and include all attachments, accessories and documentation and in their original condition.

Please note that no returns or refunds will be accepted on headphones, earbuds and earphones, audio/video recording or computer software where the packaging has been opened, unsealed or repackaged.

Prepaid airtime and travel-related tickets purchased are not refundable under any circumstances.

Suppliers will provide You with a credit note should the entire denomination of the voucher not be spent. Cash refunds will not be entertained in such instances.

If the content of the package was not checked on delivery, and You received the incorrect voucher denominations on opening, You must complete an affidavit and open a case at Your local police station and advise the eBucks Contact Centre on 087 320 3200 before Your request for a refund can be considered.

We will assist You in all refund requests, but all requests must first be made to the eBucks Contact Centre and only after a call is logged with the eBucks Contact Centre will Your request for a refund be forwarded to the Supplier.

If You transacted in Rand we will refund You in Rand to the FNB or RMB Private Bank credit card or cheque account that You used for the transaction. If You transacted in eBucks we will credit the eBucks Account You used for the transaction. If a part payment occurred using both eBucks and Rand and there was one product in the Shopping Basket we will refund You in eBucks and in Rand, in the same proportion in which you transacted in eBucks and Rand.If the Shopping Basket contained more than one product we will refund You in eBucks first, up to the full amount of eBucks used for the entire Shopping Basket transaction, and then the remainder, if applicable, in Rand.

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DISCOUNTS IN THE eBUCKS SHOP

If You are an FNB or RMB Private Bank customer and comply with all the discount rules below then You will qualify for discounts on the eBucks Shop and the FNB Banking App.

Unless expressly otherwise stated in these Terms and Conditions discounts are only available if You purchase discounted products directly from the eBucks Shop, through the FNB Banking App.

The advertised percentage discount will be calculated on the product's total non-discounted relevant eBucks or Rand price. A product's discounted eBucks price will be rounded off to the nearest 10 (ten) cents.

We reserve the right subject to the provisions of the Consumer Protection Act, when and if applicable, to withdraw or change, from time to time and without prior notification, any advertised discount on any goods and services. You will not hold Us liable and We will not incur any liability for any damages, howsoever arising, which You may have suffered, relating directly or indirectly to such withdrawal or change of an advertised discount.

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DISCOUNT QUALIFYING RULES

To qualify for discounts on discounted products purchased online through the eBucks Shop or the FNB Banking App:

  1. You must be an FNB or RMB Private Bank customer and a Personal Member of the eBucks Rewards Programme with one or more FNB or RMB Private Bank Qualifying Account(s).
  2. You must satisfy the Qualifying Criteria associated with Your Qualifying Accounts, including but not limited to Your FNB and RMB Private Bank accounts being active and in Good Standing.
  3. Your discount status must reflect on our systems as qualified for discounts.
  4. Your Rewards Level and your Discount Level must entitle You to a discount on discounted products.
  5. Payment for the discounted products must be made from Your Personal eBucks Account as discounts are not available to Business Members.
  6. Discounted
    7. products must be purchased using eBucks only. Purchases in Rand or partly in Rand will not qualify for discounts.
  7. Delivery fees can be paid for in eBucks or in Rand.
  8. Discounted products are subject to stock availability.
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DISCOUNT LEVELS

Your Discount Level will determine the size of Your discount on discounted products purchased online through the eBucks Shop or the FNB Banking App:

  1. Your Discount Level is determined by Your Rewards Level. If you have different Rewards Levels for different FNB or RMB Private Bank Qualifying Accounts Your highest Rewards Level will determine Your Discount Level.
  2. Your Discount Level and the discount You qualify for on discounted products will be reflected in the eBucks Shop or on the FNB Banking App once You have logged in.. Prior to log in the highest potential available discount based on the highest possible Discount Level will be illustrated which may not be applicable to You and Your Discount Level.
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DISCOUNT STATUS

We will give You one of the following 2 (two) discount statuses, each of which will impose different rights and obligations on You relating to accessing the available discounts online through the eBucks Shop or the FNB Banking App:

  1. Qualified for Discounts: If You comply with all the discount qualifying rules You will be granted a "qualified for discounts" status. This status will provide You with access to all the available discounted products online through the eBucks Shop and the FNB Banking App.
  2. Not Qualified for Discounts: If You are not fully compliant with all the discount qualification rules, You will have a "not qualified for discounts" status. This status will disqualify You from all the available discounted products online through the eBucks Shop and the FNB Banking App.
  3. A Member with a "not qualified for discount" status will immediately receive a "qualified for discounts status" once the Member fully complies with all the discount qualification rules.
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DISCOUNT THRESHOLDS

The following monthly Discount Thresholds will apply with regards to the vouchers offered at a discount in the eBucks Shop and through the FNB Banking App:

New FNB Premier FNB Private Clients FNB Private Wealth /
RMB Private Bank
Monthly Discounted Voucher Threshold R1000 R1500 R2000
Your Reward level Your Discount level Monthly Discount Saving Monthly Discount Saving Monthly Discount Saving
5 40% eB4 000 eB6 000 eB8 000
R 400 R 600 R 800
4 30% eB3 000 eB4 500 eB6 000
R 300 R 450 R 600
3 20% eB2 000 eB3 000 eB4 000
R 200 R 300 R 400
2 10% eB1 000 eB1 500 eB2 000
R 100 R 150 R 200
1 5% eB250 eB500 eB750 eB1 000
R 25 R 50 R 75 R 100

These monthly Discount Thresholds will be applied to all discounted voucher purchases made by You from the eBucks Shop or through the FNB Banking App.

Once You have reached the Discount Threshold, You will no longer qualify for any further discounts on any vouchers offered at a discount on the eBucks Shop or through the FNB Banking App. You can continue to purchase vouchers using your eBucks, however no discounts will be applied to the purchase value of the voucher at checkout.

We reserve the right subject to the provisions of the Consumer Protection Act, to withdraw or change the Discount Thresholds and the product(s) to which the Thresholds apply from time to time and without prior notification.

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PROHIBITION AGAINST RESELLING DISCOUNTED PRODUCTS

  1. You may not resell or offer to resell any product which You have purchased on discount from Us.
  2. Your conduct will irrefutably be deemed misconduct, a breach of these Terms and Conditions and an abuse of the eBucks Rewards Programme If You offer to sell or have resold any such discounted products and We reserve Our right to take appropriate action against You as explained elsewhere in these Terms and Conditions.
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REFUNDS FOR DISCOUNTED PRODUCTS PURCHASED

  1. If We, in our sole discretion, decide to give You Your requested refund for a purchased discounted product, You will only receive a refund up to the maximum of the amount which You actually paid for the product(s) after taking the discount into account.
  2. Under no circumstance whatsoever will We grant You a refund calculated on the non-discounted price of the product, irrespective of what prejudice or damage You may have suffered as a result of the refund.
  3. Please refer to RETURNS AND REFUNDS elsewhere in these Terms and Conditions for the rules concerning when We will refund you in eBucks and when in Rand.

 

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eBucks Partners

By being a Member of the eBucks Rewards Programme You are able to shop online via selected Online Partners.

By shopping with Our Online Partners, via their websites, You are provided with direct access to online shopping and paying with your eBucks by selecting the eBucks Payment Solution at the checkout point on the websites of Online Partners.

You can therefore make payment for your online purchases from a selected account on Your eBucks Account profile, without disclosing Your personal or business financial details to Online Partners.

You may pay for your online purchases in eBucks, Rand, or part pay in eBucks and Rand. Certain Online Partners may restrict Your payment options to eBucks only if you elect to pay with eBucks.

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SHOPPING ON ONLINE PARTNERS' WEBSITES

You are only able to shop on an Online Partners' website, using the eBucks Payment Solution, if You have registered as a Member of the eBucks Rewards Programme.

The price of the product purchased on the Online Partner's website, plus their delivery fee, is the amount that can be paid from Your eBucks Account, if you have sufficient eBucks available.

Certain Online Partners allow You to pay a portion of the amount due to them using your eBucks and the balance due to them with the other payment options available on the Online Partner's website.

All transactions and purchases made by You or from Your eBucks Account on the Online Partner's website are also subject to the Online Partner's own Service Terms.

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THE ONLINE PARTNER AND YOU

Once You have purchased a product or service from one of Our Online Partners, via their website, all queries relating to Service Terms returns and refunds, delivery and pricing are a matter between You and that Online Partner. Our role is confined to providing a convenient eBucks Payment Solution to enable you to spend Your eBucks when making purchases on Online Partners' websites.

We are not responsible for the stock holding or delivery of any product purchased on Our Online Partner's websites. This is the sole responsibility of the Online Partner. Should an Online Partner be out of stock of the product purchased, any delay or back order is solely the responsibility of the Online Partner. We provide a payment mechanism for the purchase of products and services on Online Partners' websites. We have no control over the operation of the Online Partner's business, including the products or services they promote or sell.

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ONLINE PARTNER REFUNDS

All returns and refunds are subject to the Online Partner's returns and refunds policies and Service Terms.

If the Online Partner authorises a refund to You in respect of a transaction using the eBucks Payment Solution, the Online Partner may authorise Us to credit the eBucks Account You used with the eBucks portion of the transaction.

The Online Partner will be responsible for initiating the request to credit the eBucks Account You used when transacting. Any requests for a refund in eBucks must be directed to the Online Partner. If the Online Partner authorises the refund it may not exceed the amount of eBucks You used when transacting.

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PAY IN EBUCKS TRANSACTIONS

You can now pay for you monthly account transactional current account fee and your recent Rand transactions made at participating in-store eBucks partners qualify for being paid for with eBucks ("Pay in eBucks"):

  • Pay in eBucks will be available for a limited period of time for each transaction, as per the expiration date set out on the FNB/RMB Banking Apps under the Pay in eBucks tab.
  • The account used to make the original card transaction will be credited from your eBucks account and payment for your monthly transactional account fee will be credited to your Current account. The credit will not reverse the original Rand transaction, but will instead be a credit into the account used.
  • You can choose to Pay in eBucks for either the full Rand price or a portion thereof (part-payment). However, the option to Pay in eBucks can only be done once per transaction.
  • Should you elect to part-pay, the option to Pay in eBucks will be completed and you will not be able to switch any further Rand amounts to be paid for with eBucks again.
  • You will not earn eBucks on the original card transactions where you have elected to Pay in eBucks for a Rand purchase at participating in-store partners.
  • Transactions where you have elected to Pay in eBucks will also no longer be included in your qualifying spend on the account or card used for the transaction as the transaction will then be treated as an eBucks payment.
  • The functionality to elect to Pay in eBucks is only available on the FNB/RMB Banking Apps.
  • Any returns or refunds for a Pay in eBucks transaction will be governed by the eBucks partner's return or refund terms and conditions. You will not be refunded your eBucks for the transaction. Please note that once you choose to Pay in eBucks for your monthly transactional account fee, you will no longer be able to reverse the payment.
  • The product terms and conditions of the account used to make the Rand transaction will apply once the Rands have been credited into that account.
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THE ENTERTAINER™ ON THE FNB BANKING APP

Qualifying FNB Easy, Aspire, Premier, Private Clients, Private Wealth and RMB Private Bank and FNB/RMB Private Bank Business clients have access to the ENTERTAINER offers and discounts on the FNB/RMB Private Bank app for free. This benefit is applicable to the ENTERTAINER's partner offers in Cape Town, Durban, Johannesburg and Pretoria.

In order to qualify for the ENTERTAINER benefit, you simply need to be an FNB/RMB Private Bank customer and have the latest version of the FNB/RMB Private Bank App installed. The ENTERTAINER benefit is only available through the FNB/RMB Private Bank App.

This offer is subject to the ENTERTAINER's terms and conditions which you will have to accept. Once you create your ENTERTAINER profile, you will be bound by their terms and conditions when redeeming any associated offers. Any breach of the ENTERTAINER'S terms and conditions while making use of this benefit will be dealt with according to the ENTERTAINER'S policies, and they will be entitled to take any action they deem necessary in that event.

Any queries or complaints regarding the redemption or utilisation of the ENTERTAINER'S offers or products must be directed to the ENTERTAINER. FNB/ RMB Private Bank will not be liable for any problems or issues you may encounter when trying to redeem an offer on the ENTERTAINER via the FNB/RMB Private Bank App.

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eBucks Travel

eBucks Travel is a travel shop which sources a variety of air travel, accommodation, car hire deals and travel packages for you from a number of Suppliers like airlines, hotel groups, car hire companies and other travel related companies and enables you to purchase these products and services using one of our various channels, namely our website, Flights and car hire on the FNB/RMBPB App or by calling our Travel Desk.

These Terms and Conditions must be read with our EBUCKS REWARDS PROGRAMME TERMS AND CONDITIONS, DISCLAIMERS, WARRANTIES AND LIMITATION OF LIABILITY PROVISIONS, PRIVACY POLICY. These terms and conditions form the entire agreement between you and us regarding your participation in the eBucks Rewards Programme, if applicable, and your purchase of an eBucks Travel product or service.

We act as an agent for these Suppliers by accepting Bookings and payments from you on their behalf. Each Booking for a travel product from a Supplier will constitute a direct agreement between you and the relevant Supplier on that Supplier's Service Terms. Each Supplier's Service Terms can be obtained from the relevant Supplier and it is your responsibility to familiarize yourself with their terms before submitting a booking. Meaning that your rights pertaining to the travel product are enforceable against the Supplier only and are regulated by their specific Service Terms, whereas these terms and conditions apply to the processes described herein only and determine the rights and obligations you have against us in respect of such processes only.

By making Bookings with these Suppliers through our channels, you consent you and your travel companions' relevant personal information being made available to the Supplier to process the reservation and the transaction and to the relevant personal information being retained by Supplier and their suppliers and service providers, where applicable, in accordance with prevailing legislation.

Where you make a booking for another traveller, you will be required to confirm that you have that traveller's permission to provide their personal information for purposes of that booking, and that you understand that the information will be stored for usage within the FirstRand group in accordance with the provisions of the FirstRand group privacy policy.

Where you make a booking for a minor, you will also be required to confirm that you are the minor's legal parent or guardian and that you are permitted to provide the minor's personal information.

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FLIGHTS

DISCOUNTS

This section must be read with the eBUCKS REWARDS PROGRAMME TERMS AND CONDITIONS, DISCOUNTS IN THE eBUCKS SHOP, DISCOUNT QUALIFYING RULES, DISCOUNT LEVELS, YOUR DISCOUNT STATUS, PROHIBITION AGAINST RESELLING DISCOUNTED PRODUCTS AND REFUNDS FOR DISCOUNTED PRODUCTS PURCHASED, which apply in addition to the specific eBucks Travel discount rules in this section. If a conflict exists between these specific eBucks Travel discount rules and the other sections referred to these specific eBucks Travel discount rules will prevail to the extent of the inconsistency.

Your discount:

  • Flight discounts are available to FNB Aspire; Premier, Private Clients, Private Wealth and RMB Private Bank clients.
  • Your discount will be based on the highest qualifying FNB/RMB Private Bank transactional account that you hold.
  • For FNB Aspire customers, discounts are based on a maximum of R100 per one–way ticket.
  • For FNB Premier, Private Clients and Private Wealth customers, discounts are based on your reward level:
    • Level 1: 5%
    • Level 2: 10%
    • Level 3: 20%
    • Level 4: 30%
    • Level 5: 40%
  • The main member requires an active transactional, qualifying FNB/RMB Private Bank account and must be registered for eBucks.
  • Only personal eBucks accounts are eligible for flight discounts.
  • eBucks for Business accounts do not qualify for flight discounts.

Family Discounts:

  • For a spouse / partner to qualify from the main member's rewards and discounts, both partners must have the same active current account products.
  • The spouse / partner must also be added to the main member's family profile on the banking app.
  • For children travelling between the age of 2–24 years to qualify from the main member's travel discounts, they must hold an active transactional youth account and must be loaded onto both parents' family profiles on the banking app.
  • Children under 2 years automatically qualify for discounts.

Annual Discount Savings

  • Annual Discount Savings refers to the total rand value of discounts that an eBucks customer receives for use during the year 1 July – 30 June.
  • Depending on the product you hold, this value is applied across eBucks discounts on flights, car hire and bus bookings as well as to purchases at eBucks Shop that are made via the FNB/RMB Private Bank App or eBucks Travel online.
  • Only the eBucks discount value of these purchases will be deducted from your Annual Discount Savings balance when you choose to make use of your qualifying eBucks discounts towards your final purchase total.
  • When you as the main member book travel for your spouse, your spouse will be able to benefit from your qualifying discount level as long as the main member has an Annual Discount Savings balance available. However, the rand value of your spouse's discount will be deducted from your spouse's Annual Discount Savings balance and not from your balance.
  • If your (as the main member's) Annual discounts savings have been depleted, your spouse must book from their own profile in order to benefit from the main member's qualifying discount.

Children:

  • Children can benefit from unlimited use of their qualifying parent's travel discounts for as long as the main member / parent making the booking has an Annual Discount Savings balance available and the same parent is travelling with the child.
  • Discounts for children travelling on their own will be deducted from the main booking member's annual discount savings balance.

For FNB Premier, Private Clients, Private Wealth and RMB Private Bank clients:

  • As a main member, you will receive your own Annual Discount Savings allocation for use on selected domestic and international flights, domestic car hire, QuickBus bookings and selected eBucks shop purchases.
  • The amount you receive will be based on the highest qualifying FNB transactional account that you hold.
  • Annual Discount Savings allocations per account type are as follows:
    FNB Premier: R5 000
    FNB Private Clients: R10 000
    FNB Private Wealth/RMB Private Bank: R20 000

For FNB Aspire clients:

  • Each main member gets their own Annual Discount Savings of R1 000 allocated across Domestic Flights and QuickBus bookings when bookings are made via the FNB App or eBucks Travel Online.
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BOOKING FEES

eBucks Travel charges a standard fee over and above the ticket price for new bookings, changes on existing bookings and cancelling of tickets if refunds are applicable to the ticket you've purchased.

New booking fees:
Domestic flights: R65 per person per booking (Maximum R240 per booking)
International flights: R320 per person per booking (Maximum R1200 per booking)

Change & Cancellation fees:
Domestic flights: R100 per person per booking
International flights: R250 per person per booking

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CHANGES & CANCELLATIONS

All requests for changes and cancellations are dependent on the Supplier's cancellation and refund policy and Service Terms. Once You have accepted the travel confirmation form, all cancellations, for whatsoever reason, will carry a penalty under the Supplier's Service Terms which may in certain instances be up to 100% of the total cost of the travel package.

LIFT bookings
Changes and cancellations must be done on the airline's website (www.lift.co.za) directly under the “Manage Booking” section, which is available 24 hours a day, 7 days a week for your convenience. Airline penalties for the customer's account will apply as per each tickets' rules.

FlySafair bookings
Changes and cancellations must be done on the airline's website (www.flysafair.co.za) directly under the “Manage Booking” section, which is available 24 hours a day, 7 days a week for your convenience.
Airline penalties for the customer's account will apply as per each tickets' rules.

All other domestic and international airline bookings
Changes and cancellations for all other airlines must be made directly with eBucks Travel during our office hours.
Customers will be held liable for any additional costs to airfares and airport taxes as well as the airlines penalty fees which vary depending on the airlines and ticket purchased.
eBucks Travel charges an additional change, cancellation, or administration fee of R100 for domestic flights and R250 for international flights over and above airline costs.

Change or cancelling your discounted flight
Any changes or upgrades to the qualifying passenger's original flight booking may result in changes to the base fare as well as any airline penalties that may be incurred. You are allowed to use your applicable eBucks discount (value or percentage) on the difference in base fare only, provided that you have an Annual Discount Savings balance available. All remaining airline taxes, surcharges and penalties will need to be settled in rands and/or eBucks. If an existing discounted flight is cancelled (domestic or international), only the discounted value amount of the original flight booking will be reallocated to your Annual Discount Savings balance once eBucks Travel has obtained a refund from the airline, where the refund amount is greater than the original discounted amount that you paid at the time of booking.

Force Majeure
Except where otherwise stated in these terms and conditions, we unfortunately cannot accept liability for compensation where the performance of our contractual obligations to You is prevented or affected as a result of force majeure.
In these terms and conditions, “force majeure” means any event which We or our supplier could not (even with all due care) foresee or avoid. Such events may also include war or threat of war, riots, civil strife, terrorist activity or threatened terrorist activity, industrial or labour disputes, natural or nuclear disaster, adverse weather conditions, pandemics or epidemics, fire and all similar events outside our reasonable control.

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LIFT PREMIUM BENEFIT

eBucks Travel & LIFT extended this exclusive benefit for all FNB & RMB Private banked customers with a 25% discount on all LIFT Premium flights.

  • The offer is available to all FNB/RMB Private Bank customers who are qualifying eBucks Reward members.
  • This offer is not dependent on reward levels.
  • Book LIFT Premium flight/s with eBucks Travel on the FNB/RMB Banking App or online.
  • Book by 30 June 2025 for travelling anytime to receive a 25% discount.
  • Payment must be made using an FNB/RMB Private Bank Card (including Virtual Card), eBucks or a combination of both.
  • The offer is valid on LIFT Premium domestic tickets on all LIFT Airline domestic routes.
  • The 25% discount applies to the Premium class base fare, excluding applicable airport taxes and VAT.
  • The 25% discount offer will only be available to the first 1000 seats booked in each month.
  • The price as displayed on eBucks Travel is inclusive of the discount.
  • Once the monthly discounted seat limit has been reached, all LIFT Premium fares will adjust back to the LIFT published fare pricing on our Platforms.
  • There is no limit to the number of discounted tickets each customer may purchase.
  • All additional eBucks benefits (e.g. Unlocking Bonus SLOW Lounge visits and discount car rental) are subject to the standard eBucks Travel Discount Rules.
  • This offer is subject to eBucks Travel General Terms and Conditions, available on the eBucks website. Furthermore, you are subject to LIFT Premium Airlines Service Terms available on the LIFT Airline website. It is your responsibility to familiarize yourself with the terms before submitting a booking.
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GENERAL

  • Airfares are subject to availability and fare increases without any prior notice.
  • Bookings for tickets must be in your and your passenger's names and surnames as reflected in your and your passengers travel documents. Once a booking is confirmed, name changes (spelling or full name) are not allowed. Any name changes constitute a cancelation or change of the ticket, and therefore applicable change penalties will apply to rectify any names that are not as per your travel document.
  • If your ticket is refundable, a cancellation fee will be charged if a flight is cancelled before departure. Flights cancelled or unused after departure are non–refundable.
  • If you do not show up for your flight, your full ticket will be forfeited (changes must be made at least 8 hours prior to departure)
  • Refunds are not permitted on coupons used out of sequence.
  • If changes are permitted on your ticket, the change is subject to the original fare class availability, if available at the time of change. Re–routes are permitted on certain tickets, subject to airline rules.
  • Upgrades to a higher fare class are permitted on some tickets. Standard change penalties will apply, subject to airline rules.
  • All tickets have a min and maximum stay requirement
  • Special fares have a minimum and maximum stay requirement and may not be available during peak seasons and weekends. You may qualify for a special fare if you make an advance booking.
  • All changes to booked air tickets will incur costs, which costs will vary according to the various different airline rules, and may, subject to the provisions of the Consumer Protection Act, when and if applicable, be as much as 100%. All changes will incur a Change Booking Fee.
  • All domestic fares quoted include VAT, airport taxes, security tax, fuel surcharges and the Booking Fee (if applicable).
  • All international fares quoted exclude VAT, but include airport taxes, security tax, fuel surcharges and the Booking Fee. All changes to your air ticket will incur a cost to you.
  • Once your air ticket has been issued, the specific airline rules apply.
  • All airline check–in times are subject to the specific airline rules.
  • Each airline applies its own standard policies regarding the number of pieces of luggage and the weight/mass restrictions applicable thereto per passenger. It will be your and/or your travel companion's solely responsible to enquiry as to the particular airlines' policies. In the event that you and/or your travel companion exceeds the luggage limit stipulated, any further expense incurred as a result thereof will be for your own account.
  • If you for whatever reason miss the flight, you will be deemed to have forfeited the amount paid.
  • Group bookings are subject to special rates and a group quote must be requested for group bookings from the eBucks Travel desk. A group booking is classified as 10 people or more travelling on the same flight.
  • Please either notify us of any medical conditions and special services requirements either whilst making your booking through the eBucks Travel desk or contact our Travel Desk on the same day after you have made a booking via our Website or via Flights on the FNB App.

Valid Travel documents

  • It is your responsibility alone to ensure that you and your relevant travel partner(s) are in possession of valid passports for the duration of your trip. Some destinations require that one's passport be valid for a certain length of time; in general, 6 (six) months after completion of travel. You may also be required to obtain a visa, health certificates or any other travel related documents for some destinations, even as a transit passenger, prior to departure, and it is your responsibility to do so. It is also your responsibility to collect your own travel documents from the travel agency nominated on your travel confirmation form, if applicable.
  • For information on passport, visa requirements, health certificates, vaccinations or any other travel related documents and requirements, you should contact the embassy, high commission or consulate of the country to which you will be travelling or alternatively contact the eBucks Travel desk for further assistance, prior to and at the time that you are making a booking via eBucks Travel. If you are not travelling immediately after making the booking, then you should contact the same aforesaid bodies timeously before you commence your travel to ensure that the requirements which are applicable to you and your travel partners have not changed and that you and your travel partners' travel documents remain valid for all flights, destinations and planned stopovers.
  • A failure to travel with the correct documentation could result in you and/or your travel partner(s) being refused travel, entry to the country of your destination or stop–over, deportation or incarceration and in such circumstance(s) you and your travel partner(s) shall not hold Us liable for any costs, claims, consequences or damages suffered of whatsoever nature, arising from your and/or your relevant travel partners' failure/omission to ensure that he/she has complied with all travel documentation requirements. You will also fully indemnify Us against all claims by any person, including your relevant travel partners, for all damages, fines, penalties, causes of actions, costs (including all legal fees on an attorney and own client scale, resulting from Your and/or Your travel partners' failure/omission to ensure that he/she has complied with all travel documentation requirements).
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CAR HIRE

DISCOUNTS

Your discount

  • Car hire discounts are available to FNB Premier, Private Clients, Private Wealth and RMB Private Bank clients.
  • Your discount will be based on the highest qualifying FNB/RMB Private Bank transactional account that you hold.
  • Discounts are based on your reward level:
    • Level 1: 5%
    • Level 2: 10%
    • Level 3: 20%
    • Level 4: 30%
    • Level 5: 40%
  • Customers must hold an active, transactional, qualifying FNB or RMB Private Bank account and must be registered for eBucks and have reached at least discount level 1. Visit www.eBucks.com for more information.
  • Only personal eBucks accounts are eligible for discounts.
  • eBucks for Business accounts do not qualify for discounts.

Qualifying rules for car hire discounts

  • Customers can now enjoy discounts on domestic car hire at any time without booking a flight.
  • The discount of up to 40% on AVIS domestic car hire is based on the customer's reward level at the time of booking.
  • The main member's discount will be deducted from their Annual Discount Savings balance.
  • The main member can book a vehicle for their qualifying spouse and the qualifying discount will be deducted from their spouse's Annual Discount Savings balance.
  • The main member can book a vehicle for their qualifying children and the qualifying discount will be deducted from the main member's Annual Discount Savings balance.
  • Discounts are available when booking on the App or on the eBucks Travel website.

Annual Discount Savings

  • Annual Discount Savings refers to the total rand value of discounts that an eBucks customer receives for use during the year 1 July – 30 June.
  • Depending on the product you hold, this value is applied across eBucks discounts on flights, car hire and bus bookings as well as to purchases at eBucks Shop that are made via the FNB/RMB Private Bank App or eBucks Travel online.
  • Only the eBucks discount value of these purchases will be deducted from your Annual Discount Savings balance when you choose to make use of your qualifying eBucks discounts towards your final purchase total.
  • For FNB Premier, Private Clients, Private Wealth and RMB Private Bank clients:
    • As a main member, you will receive your own Annual Discount Savings allocation for use on selected domestic and international flights, car hire, QuickBus bookings and selected eBucks shop purchases.
    • The amount you receive will be based on the highest qualifying FNB transactional account that you hold.
    • Annual Discount Savings allocations per account type are as follows:
      FNB Premier: R5 000
      FNB Private Clients: R10 000
      FNB Private Wealth/RMB Private Bank: R20 000
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BOOKING FEES

eBucks Travel charges a standard fee over and above the car rental price for new bookings, changes on existing bookings and cancelling of tickets if refunds are applicable to the ticket you've purchased.

New booking fees:
Domestic car rental: R65 per car rental booking
International car rental: R160 per car rental bookings

Change & Cancellation fees:
Domestic car rental: R110 per booking
International car rental: R220 per booking

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CHANGES & CANCELLATIONS

Avis domestic car rental

  • Bookings must be cancelled 4 hours in advance prior to the booked pick–up time. If not collected or cancelled outside of the 4 hours, a no–show penalty from AVIS as well as a cancellation fee from eBucks will apply.
  • If the vehicle has not been collected as yet, contact eBucks Travel to assist with any required changes to domestic car rental bookings. Fees may apply.
  • If the vehicle has already been collected, and an extension on the reservation is required, Avis must be contacted directly on +27 11 387 8431 to process the change. Payment for the change must be done with Avis directly and eBucks cannot be used as payment.
  • Discounts do not apply to reservation amendments and only apply to the cost of the initial reservation.

All other car rental bookings must be changed and cancelled via the eBucks Travel desk and applicable supplier terms and conditions would apply.

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GENERAL

General rules for Avis domestic car rental:

  • All rates quoted are subject to change and availability without prior notice and standard terms and conditions apply to all car rentals.
  • All Avis domestic car rental rates include VAT, 200 FREE kilometres per day, collision damage waiver, theft lost waiver, third party liability insurance, general public liability insurance, location surcharge and tourism levy.
  • All Avis domestic car rental Rates excludes the excess on collision damage waiver, fuel deposits, special requests such as an extra driver, windscreen damage and one–way drop off fees, extra kilometers exceeding the 200 FREE kilometers per day, Gauteng e–toll fees and may exclude the contract fee depending on the Supplier.
  • All additional costs (e.g. fuel consumption, additional kilometers, additional drivers, pick–up or drop–off fees) must be settled by You directly with the car rental company on return of the car. Any disputes in this regard must be addressed to the car rental company.
  • The Driver will be required to provide a valid identity document, a valid driver's license and a valid credit card on collection of the hired car. Certain vehicle groups require two credit cards for collection.
  • Avis does not accept virtual credit cards as form of guarantee. The driver's physical credit card must be provided upon arrival at the depot.
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BUSES

DISCOUNTS

Your discount

  • QuickBus discounts are available to FNB Easy, Aspire; Premier, Private Clients, Private Wealth and RMB Private Bank clients.
  • Your discount will be based on the highest qualifying FNB/RMB Private Bank transactional account that you hold.
  • For FNB Easy customers, discounts are based on a maximum of R50 per one–way ticket and R100 per one–way ticket for FNB Aspire customers.
  • For FNB Premier, Private Clients and Private Wealth customers, discounts are based on your reward level:
    Level 1: 5%
    Level 2: 10%
    Level 3: 20%
    Level 4: 30%
    Level 5: 40%
  • The main member requires an active transactional, qualifying FNB/RMB Private Bank account and must be registered for eBucks.
  • Only personal eBucks accounts are eligible for bus ticket discounts.
  • eBucks for Business accounts do not qualify for bus ticket discounts.

Family discounts:

  • For a spouse / partner to qualify from the main member's rewards and discounts, both partners must have the same active current account products.
  • The spouse / partner must also be added to the main member's family profile on the banking app.
  • For children travelling between the age of 2–24 years to qualify from the main member's travel discounts, they must hold an active transactional youth account and must be loaded onto both parents' family profiles on the banking app.
  • Children under 2 years automatically qualify for discounts.
  • Family discounts do not apply to FNB Easy Zero and Easy Smart customers.

Annual Discount Savings

  • Annual Discount Savings refers to the total rand value of discounts that an eBucks customer receives for use during the year 1 July – 30 June.
  • Depending on the product you hold, this value is applied across eBucks discounts on flights, car hire and bus bookings as well as to purchases at eBucks Shop that are made via the FNB/RMB Private Bank App or eBucks Travel online.
  • Only the eBucks discount value of these purchases will be deducted from your Annual Discount Savings balance when you choose to make use of your qualifying eBucks discounts towards your final purchase total.

Children:

  • Children can benefit from unlimited use of their qualifying parent's travel discounts for as long as the main member / parent making the booking has an Annual Discount Savings balance available and the same parent is travelling with the child.
  • Discounts for children travelling on their own will be deducted from the main booking member's annual discount savings balance.

FNB Premier, Private Clients, Private Wealth and RMB Private Bank clients:

  • As a main member, you will receive your own Annual Discount Savings allocation for use on selected domestic and international flights, car hire, QuickBus bookings and selected eBucks shop purchases.
  • The amount you receive will be based on the highest qualifying FNB transactional account that you hold.
  • Annual Discount Savings allocations per account type are as follows:
    FNB Premier: R5 000
    FNB Private Clients: R10 000
    FNB Private Wealth/RMB Private Bank: R20 000

FNB Aspire clients:

  • Each main member gets their own Annual Discount Savings allocation across Domestic Flights and QuickBus bookings when bookings are made via the FNB App or eBucks Travel Online.
  • Maximum Discount Savings per ticket:
    QuickBus: R100 per one–way ticket
    Domestic Flights: R100 per one–way ticket

FNB Easy Smart clients:

  • Each main member gets their own Annual Discount Savings which will be allocated to QuickBus bookings made via the FNB App.
  • For QuickBus bookings, customers receive a total Annual Discount Savings of R500 per annum, with a maximum Annual Discount Savings of R50 per one–way ticket.
  • Bus ticket discounts are only available to the main member.

CHANGES & CANCELLATIONS

  • Change and cancellation fees will depend on the bus operators' policies. The customer will have to contact them directly for any amendments, cancellations, or refunds on a booking.
  • It is advisable to contact the bus operator before the time of departure, in order to change a booking.
  • Most bus operators do allow changes prior to the departure, depending on the fare rules of the purchased ticket, but may impose a penalty fee for the requested change.
  • Any refunds for bus booking payments will only be made in rands (including any portion that has been paid using eBucks) and will be processed by the bus operator.
  • Refer to the QuickBus terms and conditions on the FNB/RMB Private Bank App for more information.

GENERAL

  • Customers who don't qualify for discounts can still book bus tickets securely via the FNB/RMB Private Bank App.
  • The QuickBus on the FNB/RMB Private Bank App is an offline and online travel shop which sources a variety of buses for you from several bus operators and enables you to purchase such products and services.
  • We act as an agent for the bus operators by accepting bookings and payments on their behalf. Each booking will constitute a direct agreement between you and the bus operator and is subject to the bus operator's service terms.
  • Since all QuickBus travel products and related services are provided by bus operators to QuickBus, we do not, subject to the provisions of the Consumer Protection Act, when and if applicable, accept liability for any actions, errors or omissions on the part of any bus operator, which are governed by their respective rules, regulations and Service Terms.
  • Your offer will only be accepted once your booking has been made and confirmed and payment has been received for the booking.
  • You can pay using Rands, eBucks or a combination of both.
  • Please note that we are unable to guarantee any bus prices, due to ticket availability and pricing fluctuations beyond our control, until payment has been made, the booking has been confirmed via the confirmations screen and you have received a confirmation email. We retain in our sole discretion the right to accept or reject your offer.
  • The QuickBus travel products advertised on the FNB/RMB Private Bank App are subject to availability and the prices displayed are subject to change. We reserve the right to correct any pricing errors displayed on the FNB/RMB Private Bank App.
  • You undertake all travel bookings associated with eBucks Travel and QuickBus products and services at your own risk. By offering for sale travel products and services, we do not represent or warrant that such travel products or services are advisable or without risk, and accordingly we are not liable, subject to the provisions of the Consumer Protection Act, when and if applicable, for damages or losses that may result from such travel.
  • No travel insurance is available through eBucks Travel and no travel insurance is included with any of the products or services available through eBucks Travel. It is your sole responsibility to ascertain and determine whether you will require any travel insurance. We recommend that you consider obtaining comprehensive travel insurance and that you seek appropriate advice from an authorised financial services provider in this regard.
  • In the unlikely event of there being an unscheduled extension or variation to a booked trip caused by delays, bad weather, strikes, technical difficulties, communication breakdowns, or force majeure your or your travel companion's actions and/or omissions (irrespective of whether such conduct is negligent or not) and/or any other cause which is beyond our control, then you may be liable for any expenses relating thereto subject to the bus operators' service terms.
  • It is your responsibility alone to ensure that you and your relevant travel partner(s) are in possession of valid travel documents such as health certificates, passports and/or any other travel related documents prior to departure and/or for the duration of your trips. You will also fully indemnify us against all claims by any person, including your relevant travel partners, for all damages, fines, penalties, causes of actions, costs (including all legal fees on an attorney and own client scale), resulting from your and/or your travel partners' failure/omission to ensure that he/she has complied with all travel documentation requirements.
  • It is your responsibility to check with the bus operators if they will be able to adhere to any special conditions and/or requests you may have prior to booking the bus operator.
  • System downtime occurs from time to time and neither eBucks, QuickBus nor its agents will be held liable for any unforeseeable system breakdowns.
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ACCOMMODATION & PACKAGES

BOOKING FEES

eBucks Travel charges a standard fee over and above the accommodation or package price for new bookings, changes on existing bookings and cancelling of tickets if refunds are applicable to the ticket you've purchased.

New booking fees:
Domestic accommodation: R160 per booking
International accommodation: R265 per booking

Change & Cancellation fees:
Domestic accommodation: R160 per booking
International accommodation R265 per booking

GENERAL

  • All rates and availability of accommodation quoted are subject to change without prior notice.
  • Rates quoted are generally on a per person per night sharing basis and are for accommodation only, unless specifically stated otherwise. Additional single supplements may apply.
  • The meal plan will be indicated on Your quotation or travel confirmation form. B&B denotes Bed and Breakfast. DBB denotes Dinner, Bed and Breakfast. FB denotes full board which includes Breakfast, Lunch and Dinner. AI denotes all–inclusive and includes Breakfast, Lunch, Dinner and selected drinks as specified by the establishment. R/O denotes Room Only.
  • Rates quoted are not available for groups or conferences.
  • Hotels and establishments providing accommodation undergo renovations from time to time which may impact on your enjoyment of the accommodation. We are not responsible or liable for any compensation or damages that you or your travel companion may suffer due to renovations taking place while resident at the hotel or establishment.
  • Accommodation or holiday packages can only be booked through the eBucks Travel Desk.
  • eBucks Reward discounts are not applied to accommodation.
  • The “from” price provides an indication of the lowest price that was available at the time of loading to our site.
  • Pricing may vary due to dates chosen, availability, rate fluctuations, supplier demand and rate of exchange on international travel. Our pricing is generally correct at the time accommodation packages are loaded onto our website, and we change our website as regularly as we can to reflect updated pricing. This pricing is still however subject to change due to the above factors.
  • eBucks Travel receives pricing with certain validity periods from our suppliers.
  • eBucks reserves the right to amend, modify, cancel or withdraw any accommodation package in its sole discretion at any time without notice or liability.
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TRANSFERS

BOOKING FEES

eBucks Travel charges a standard fee over and above the transfer provider's price for new bookings, changes on existing bookings and cancelling of tickets if refunds are applicable to the ticket you've purchased.

New booking fees:
Domestic transfers: R65 per booking
International transfers: R110 per booking

Change & Cancellation fees:
Domestic accommodation: R65 per booking
International accommodation R110 per booking

GENERAL

  • Transfers can only be booked directly with the eBucks Travel Desk
  • eBucks rewards discount do not apply to transfers.
  • Pricing may vary due to dates chosen, availability, rate fluctuations, supplier demand and rate of exchange on international travel.
  • Bookings may be paid in eBucks, rands or a combination of both.
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AIRPORT LOUNGES

SLOW LOUNGES

Rules for SLOW domestic, SLOW XS and SLOW International:

Entry

To enter the SLOW Lounges, you need a qualifying FNB or RMB Private Bank Credit Card, Debit Card, Fusion Card or a valid QR code on the FNB or RMB Private Bank App. If you do not have one of these qualifying cards, you will not be able to enter the SLOW Lounge. When using your card for entry, the qualifying card will be swiped once for your entry as the qualifying cardholder and any guest(s) entry into the SLOW Lounge. When using the FNB Banking App for entry, only one QR code will be scanned per visit, including for the main Cardholder and guest(s).

FNB Aspire Credit Cardholders can only enter the SLOW Lounges by generating a QR code on the FNB App and scanning it at the Lounge entrance.

Qualifying Cards – Complimentary visits

Only FNB Premier, FNB Private Clients, FNB Private Wealth, Business Platinum, Business Black, RMB Private Bank, RMB Business and RMB Corporate Cardholders qualify for complimentary access to and use of the services of the SLOW Domestic and SLOW XS Lounges. SLOW Domestic Lounges are situated in the domestic terminals of Cape Town International Airport (Cape Town), King Shaka International Airport (Durban) and O.R. Tambo International Airport (Johannesburg). The SLOW XS Lounge is situated in Lanseria International Airport (Johannesburg).

Only FNB Private Clients, FNB Private Wealth, Business Platinum, Business Black, RMB Private Bank, RMB Business and RMB Corporate Cardholders qualify for complimentary access and use of the services of the SLOW International Lounge. The SLOW International Lounge is situated in the international terminal of OR Tambo International Airport.

Qualifying Cards – Bonus visits

FNB Aspire Credit and Fusion* Cardholders, FNB Premier , FNB Private Clients, FNB Private Wealth and RMB Private Bank Account holders can enter the SLOW Domestic Lounges and SLOW International Lounge for free by using their bonus visits earned by making flight booking(s) through eBucks Travel.

*Fusion cards qualify from 1 August 2024

Access Rules

Each entry into any SLOW Lounge is charged a fee. General access to the SLOW Lounges is determined independently from qualifying criteria being met. You may access the Lounge on presentation of your qualifying card; however, access depends on the space available in the Lounge at the time of entry. Every entry into the Lounges is charged for and will reflect as a fee on your Credit, Fusion or Debit card statement. The fee will only be reversed if you meet the qualifying criteria which are available on our websites www.fnb.co.za, www.rmbprivatebank.com and www.ebucks.com and which may be updated from time to time. It is your responsibility as the cardholder to familiarise yourself with the qualifying criteria.

In addition to the qualifying criteria, the following rules also apply:

  • The SLOW Lounge is a cashless facility. Entry into the Lounge cannot be paid for in cash at the Lounge reception.
  • The qualifying card or valid QR code must be accompanied by a boarding pass for the date of departure.
  • The cardholder's name which is reflected on the qualifying card must correspond with the name on the boarding pass.
  • A valid QR code is non–transferable and can only be used by the qualifying cardholder for themselves and their guests.
  • The SLOW Lounge, at its discretion, may refuse entry to any qualifying cardholder or guest.
  • You as the qualifying cardholder are not allowed to bring minors into the SLOW Lounge unless the minor is a guest. Accompanied minors under the age of two are allowed free access into the SLOW Lounge.
  • A minor guest must always be accompanied by an adult.
  • If you as the qualifying cardholder bring additional guests into the SLOW Lounge that exceeds the number of complimentary visits you have available to you, the additional guests will only be allowed entry if there is space available to accommodate them within the SLOW Lounge, subject to the SLOW Lounge Manager's discretion, and will be charged a fee in accordance with the pricing found on www.fnb.co.za, www.rmbprivatebank.com and www.ebucks.com.
  • Qualifying cardholders and/or guests who enter the SLOW Lounge are not allowed to be intoxicated or to use abusive language. Such behaviour will result in the qualifying cardholder and/or guest being removed from the SLOW Lounge. The qualifying cardholder and/or guest may have their access permanently revoked.

We reserve the right to revoke SLOW Lounge access to any qualifying cardholder, and we are not liable for any damage, loss or claim of any nature that may arise while you as the qualifying cardholder and/or any of your guest/s use the services of the SLOW Lounge.

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BIDVEST LOUNGES

Qualifying Cards

Only FNB Private Wealth and RMB Private Bank cardholders qualify to access and use the Bidvest Premier Lounges. The Bidvest Lounges will not accept any qualifying cardholders with expired cards.

FNB Private Wealth and RMB Private Bank Account holders can enter the Domestic and International Bidvest Premier Lounges for free by using their allocated complimentary visits or their bonus visits earned by making flight booking(s) through eBucks Travel.

Access Rules

Complimentary and bonus visits will only be available for use to qualifying cardholders at Bidvest Premier Lounges where a SLOW Domestic Lounge or SLOW International Lounge is not present at that airport terminal. Should you, due to any other reason access the Bidvest Premier Lounge at an airport terminal where a SLOW International or SLOW Domestic Lounge is present, you will be charged the applicable fee and no refunds will be processed.

Bidvest Premier Lounges where complimentary and bonus visits can be used:

Domestic Lounges at Port Elizabeth, George, Bloemfontein, Kruger–Mpumalanga and East London Airports as well as the Bidvest International Lounge located at Cape Town International Airport.

Bidvest Premier Lounges where access will be charged a fee:

Domestic Lounges at OR Tambo, Lanseria, Cape Town and King Shaka International Airports as well as the Bidvest International Lounge located at OR Tambo International Airport.


You as the qualifying cardholder need to present either a valid FNB Private Wealth or RMB Private Bank Credit, Fusion or Debit Card or a valid QR Code on the FNB or RMB Private Bank App in order to access the Lounge. The qualifying card presented at the Lounge entrance must be in the qualifying cardholder's individual name. Only one card (FNB Private Wealth or RMB Private Bank Credit, Fusion or Debit Card) will be permitted per qualifying cardholder requiring access to the Lounge and must be accompanied by a boarding pass (both the card and the boarding pass must be in the same individual's name).

For QR code entries only one QR code is required to accommodate Lounge entry for the cardholder and their guest(s). Both the QR code and the boarding pass must be issued in the same individual's name. A QR code can only be successfully redeemed if the cardholder has sufficient funds in their account to cover the cost of entry, irrespective of whether or not the fee will be reversed.

Each entry into any Bidvest Premier Lounge is charged a fee. General access to the Bidvest Premier Lounges is determined independently from qualifying criteria being met. You may access the Lounge on presentation of your qualifying card; however, access depends on, amongst other reasons the space available in the Lounge at the time of entry. Every entry into the Lounges is charged for and will reflect as a fee on your Credit, Fusion or Debit card statement. The fee will only be reversed if you meet the qualifying criteria which are available on our websites www.fnb.co.za, www.rmbprivatebank.com and www.ebucks.com and which may be updated from time to time. It is your responsibility as the cardholder to familiarise yourself with the qualifying criteria.

We reserve the right to revoke Bidvest Premier Lounge access to any qualifying cardholder, and we are not liable for any damage, loss or claim of any nature that may arise while you as the qualifying cardholder and/or any of your guest/s use the services of the Bidvest Premier Lounges.

For more information, including operating hours and directions, please visit www.bidvestlounge.co.za.

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PAYMENT TERMS

eBUCKS TRAVEL PAYMENT OPTIONS FOR ONLINE, FNB/RMBPB APP AND TRAVEL DESK
This section must be read with the PAYMENT OPTIONS IN THE eBUCKS SHOP which apply to the eBucks Rewards programme in general.

Payment options

  • Payment can be made in either eBucks or Rand or a combination of eBucks and Rand.
  • You may not split your payment between more than one eBucks Account or Rand account.
  • Payment in eBucks can be made from your personal eBucks Account. or eBucks Business Account
  • Payment in Rand must be made from a FNB or RMB Private Bank physical or virtual credit card or cheque account.
  • No debit cards or payments from other bank cards or accounts are accepted.

eBucks Travel Offer & Acceptance

  • You acknowledge that advertising and placing eBucks Travel products on our Website, FNB/RMB App or through the eBucks Travel desk or quoting the price of eBucks Travel products are not considered an offer to purchase.
  • For bookings made via the eBucks Travel desk, once we receive your signed travel confirmation form or your telephonic confirmation of a booking, your booking will constitute an offer to purchase to us in accordance with the eBucks Travel terms and conditions as well as the relevant travel product Service Terms. We will then contact the Supplier to ensure that the Travel product enquired about is still available and at the quoted price, if not we will revert to you with an alternative similarly priced Travel product or the new pricing on the selected Travel product on a new travel confirmation form.
  • For bookings made on the banking App, once you have received a confirmation screen for your booking, your offer to purchase the Travel product is accepted. Once we accept your offer, a binding agreement is then concluded between us (and where applicable, between you and our Supplier).
  • For bookings made via our Website or via the FNB/RMB App, your offer to purchase will be made when you confirm your booking. If you are using the Travel Desk to book on your behalf, your offer to purchase will be made when you confirm your booking telephonically.
  • Notwithstanding any other terms and conditions contained in these Terms and Conditions or in any other document, your offer will only be accepted once your booking has been made and confirmed and payment has been received for the booking.
  • We retain in our sole discretion the right to accept or reject your offer.
  • If You make an eBucks Travel booking via the Website or the FNB/RMB App, we will summarise on an online confirmation from the details of those eBucks Travel products which you have selected to purchase as well as your payment option. You will be requested on the aforesaid online confirmation form to accept our Terms and Conditions by clicking on the space provided. Once You have accepted Our Terms and Conditions, then you will be required to click on the “Pay Now” button. Only once you have clicked on the “Pay Now” button will your booking be reserved and purchased simultaneously. It is your responsibility to ensure the correctness of the information provided by you when making your booking. Under no circumstances will we refund you, should you have made a mistake relating to the details of your purchased eBucks Travel product in the event that a Supplier will not permit changes to be made to the booking at an additional cost.
  • Since all eBucks Travel products and related services and activities are provided by Suppliers to eBucks Travel, we do not, subject to the provisions of the Consumer Protection Act, when and if applicable, accept liability for any actions, errors or omissions on the part of any Suppliers and/or any other service providers, which are governed by their respective rules, regulations and Service Terms.
  • You acknowledge that some Suppliers offering certain services and activities may require you and your travel partners to sign their liability waiver and additional terms and conditions prior to participating in the service and/or activity they offer. You understand that any violation of any such Supplier's rules and restrictions may result in cancellation of your and/or your travel partners' reservation(s), in you and/or your travel partners being denied access to the applicable travel product, in you and your travel partners forfeiting any monies paid for such reservation(s), and/or in our debiting your accounts and/or holding you liable for any costs we incur as a result of such violation.

Travel Product descriptions, pricing and availability

The descriptions provided for eBucks Travel products on our various platforms are as provided to us by the relevant Supplier. eBucks Travel in no way endorse any of the Travel products provided by our Suppliers nor do we control the pricing, availability or delivery of these products; therefore we cannot be held responsible for any inaccuracies, changes in pricing, unavailability or quality of a Travel product.

The availability of any Travel product for bookings to be made via our Website, FNB/RMB App or the eBucks Travel desk are dependent on the availability of the Supplier's Travel products. We may without prior notice change the description or pricing or even discontinue the availability of Travel products which are available via our Website, via Flights on the FNB/RMB App and the eBucks Travel desk. Special promotions may be subject to certain additional terms and conditions.

All Travel Product prices are quoted in South African Rand. Prices are valid at the time of quotation and can only be guaranteed once payment has been received in full. For bookings made via the eBucks Travel website or the FNB/RMBPB App, prices are guaranteed once you have reached the booking confirmation screen. Where a Travel product has an international element and the quoted rates are based on another currency other than South African Rand, the amount quoted will be dependent on such fluctuations, which cannot be predicted by us in advance. The applicable rate of exchange which will be applied to your booking can only be confirmed once payment has been made in full for your booking. We reserve the right to charge you the product's actual price as increased by currency fluctuations as well as any surcharges imposed by a Supplier to cover increases in transportation costs, including the costs of fuel and security charges, taxes or fees chargeable for services such as landing taxes or embarkation or disembarkation fees at ports and airports.

For the avoidance of doubt, it is recorded that we reserve the right to charge you the product's increased price, notwithstanding the fact that you have already signed or confirmed acceptance of the travel confirmation form. We will however first request your permission to deduct from your relevant account(s) such product's increased price and should you omit or refuse to provide us with the required consent, then we will not proceed to book the product on your behalf.

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BUSINESS ACCOUNTS

Qualifying Business clients with eBucks for Business Accounts can book flights and car hire on the FNB/RMB Private Bank App or via eBucks.com

Bookings may also be made for any accommodation or packages directly with the eBucks Travel Desk.
eBucks for Business Accounts do not qualify for eBucks discounts.
Business eBucks, rands or a combination of both may be used to pay towards a booking.
Business clients who are registered for eBucks and who are mandated to transact on the Business eBucks account will be able to make bookings.

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TRAVEL INSURANCE

Travel Insurance cover is not included with any of the products or services available through eBucks Travel, unless specifically referred to as a package inclusion. It is strongly recommended that you as well as those travelling with you take out adequate insurance cover such as cancellation due to illness, accident or injury, personal accident, personal liability and loss of or damage to baggage and sports equipment. You undertake all activities associated with eBucks Travel products and services at your own risk.

eBucks Travel doesn't issue travel insurance; however, when using a qualifying FNB/RMB Private Bank card and/or eBucks to purchase an international return travel ticket(s), global travel insurance is provided at no cost. Once your ticket is booked, please visit www.tic.co.za/fnb to issue your complimentary insurance policy online which you need to travel with in case of an emergency. Alternatively, contact the TIC helpdesk at 0861 490 100 or 011 521 4111 prior to purchasing a ticket to confirm what services are available.

Although most travel, including travel to international destinations, is completed without any serious incidents, certain travel destinations, products and services may involve greater risks than others. It is your and your travel partners' sole responsibility to research and ascertain the risk associated with certain travel destinations, products and services, including but not limited to: the method of travel, travel routes, travel itineraries, travel experiences and travel destinations. By offering for sale travel products and services, we do not represent or warrant that such travel products or services are advisable or without risk, and accordingly We are not liable, subject to the provisions of the Consumer Protection Act, when and if applicable, for damages or losses that may result from such travel.

You can contact eBucks Travel for further options on your Travel Insurance cover if you require more comprehensive cover.

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CONTACT INFORMATION

Our standard office hours are:

  • Mondays, Tuesdays, Thursdays, and Fridays, 08:00 – 17:00
  • Wednesdays, 09:00 – 17:00
  • Saturdays, 09:00 – 12:00

eBucks Travel Contact details:

  • Contact number: 087 587 2835
  • Email us: travel@ebucks.com
  • Closed on all Sundays and public holidays, including Easter Weekend (Friday to Monday) Any time outside of these standard office hours are treated as After Hours and customers are urged to only engage eBucks Travel in an After Hours request in the case of an emergency.

eBucks Travel Emergency details:

  • Emergency Number: 064 546 2271
  • Monday – Friday: after 17:00
  • Saturdays: after 12:00 until Monday morning 08:00
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eBucks Rewards for Business

INTERPRETATION

These eBucks Rewards for Business terms and conditions must be read with the following:

If a conflict or inconsistency exists between these eBucks Rewards for Business Rewards Terms and Conditions and the abovementioned other terms and conditions, these eBucks Rewards for Business Rewards Terms and Conditions will prevail to the extent of the conflict or inconsistency.

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ELIGIBILITY FOR BUSINESS REWARDS

Where you hold multiple Qualifying Business Accounts, You will earn eBucks on the qualifying activities on all accounts. However, You will need to meet the requirements, which include Qualification Criteria and Earn Rules, that are specific to the highest Qualifying Business Account that you have (i.e. the Qualifying Business Account with the highest required deposit).

For example: Where You hold a Gold Business Current Account and a Platinum Business Current Account, You will need to meet all the requirements that are specific to your Platinum Business Cheque Account.

If any of the above listed qualification criteria are not met, the Business will be disqualified from earning eBucks until all the Qualification Criteria are met.

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REGISTERING FOR BUSINESS REWARDS

Qualifying Customers, who are not existing eBucks Rewards for Business Members, are required to register for and become Business Members of the eBucks Rewards for Business Programme to benefit from it. Qualifying Customers can register for Business Rewards at www.eBucks.com.

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BUSINESS REWARDS

Qualifying Business Members can move up rewards levels by taking up and using products from different banking solution groups. The number of products taken up and used from each different banking solution group will determine Your Reward Level. Your Reward Level can therefore change each month, depending on Your banking activity and behaviour over the prior calendar month.

Your Reward Level will in turn determine your Reward Rate and the amount of eBucks that You can receive as a reward for Your banking activity over the prior calendar month.

Your eBucks will be allocated into your Business eBucks Account. You may not send eBucks from a Personal eBucks Account to a Business eBucks Account or between two Business eBucks Accounts.

For further information on the different Rewards Levels, the different Rewards Rates, the eBucks rewards You may qualify for, the Qualifying Accounts and Qualifying Criteria, the rewards earn rules, restrictions, caps, limitations and the available spend options please visit www.eBucks.com or www.fnb.co.za.

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BUSINESS AND PERSONAL MEMBER

If You have both a Personal eBucks Account and a Business eBucks Account, You may not, for tax reasons, merge these two accounts, as they need to remain separate and distinguishable from each other.

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PARTICIPATION COSTS

Business Members are not charged a joining fee or any periodic or annual membership fee for participating in the eBucks Rewards for Business Programme. We render additional services to Our Members apart from operating the Business Rewards Programme. We may therefore charge You transaction, service and delivery fees on certain transactions on Your Business eBucks Account. This includes an Account Maintenance Charge from Your Business eBucks Account should You fail to earn or spend eBucks on Your Business eBucks Account for a period of at least 6 (six) months, which amount is utilised to cover the costs of maintaining Your Business eBucks Account(s) on Our systems. Below is an itemised breakdown of Our current Business Rewards specific fees and charges which We may review from time to time by amending these Terms and Conditions.

Virtual voucher SMS delivery fee eB28 (R2.80)
Virtual voucher resend fee eB50 (R5.00)
Account Maintenance Charge eB90 (R9.00) per month
eBucks Shop Delivery Fees Refer to the eBucks Shop section
eBucks Business Card Courier Delivery Fee(eBucks Shop order placed for eBucks Business Card only) eB400 (R40.00)
Item-Specific Purchase Fee Additional item-specific purchase fees may apply with certain purchases and transactions. These will be clearly displayed for your acceptance prior to the purchase or transaction being completed.

You authorise Us to debit Your FNB, RMB and Business eBucks Account(s) with all amounts due to Us by You as a result of Your participation in the eBucks Rewards for Business Programme.

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BUSINESS CEASING TO OPERATE

Should a Business Member, when ceasing to operate as a business, not have spent all the eBucks in its Business eBucks Account, then all the eBucks remaining in the Business eBucks Account will be forfeited to FNB and the Business eBucks Account will be closed.

This does not preclude the duly appointed liquidator or trustee of a Business Member spending the eBucks in the Business eBucks Account, for the benefit of the business, in terms of the liquidation or sequestration process. If, however, the liquidator or trustee fails to deal with the eBucks in the final liquidation and distribution account, all the eBucks in the Business eBucks Account will be forfeited to Us and the Business eBucks Account will be closed.

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GENERAL

eBucks rewards earned or allocated may be limited to maximum amounts per allocation period. These limitations may be changed from time to time. Transaction based rewards will be based on the earn rules and Qualifying Criteria that apply on the date when the transaction is debited or credited to the Qualifying Account. Qualifying spend is based on the date the merchant posts the transaction to the Qualifying Account for payment, which may be different to the date the actual purchase took place and the funds were reserved for the purchase, as per the InContact message regarding the reservation of the funds, which is sent to you at the time of the purchase. We cannot be held liable for any delays in merchants posting transactions. Business Rewards may be based either on end of day Bank Product balances or on Bank Product balances during the day.

If all your FirstRand Bank accounts are not active and in Good Standing, you will not be entitled to earn eBucks or receive any rewards. Monetary rewards may not be transferred to an eBucks Account and eBucks cannot be converted to cash. You must be a resident in the Republic of South Africa to earn eBucks Rewards for Business.

Qualifying Purchases exclude Cash@Till®, transfers, EFTs, debit orders, cash withdrawals, traveller's cheques, foreign exchange transactions and casino and/or any form of gambling transactions.

You will not earn any eBucks on Qualifying Purchases in the following circumstances: the retailer refuses to accept Your FirstRand Bank Cards for any reason; the Product House cannot identify a qualifying transaction at the time the transaction is processed by the retailer for any reason, including but not limited to the retailer not processing the transaction correctly; the Qualifying Account is dormant or closed; or the purchase constitutes a fraudulent transaction.

We may at any time review and amend the rewards currency, Business Rewards, earn rules, the Qualifying Accounts, the Qualifying Criteria, the Reward Levels, restrictions, caps and limitations. You will be notified of any changes in accordance with the eBucks Rewards Programme terms and conditions and prevailing law.

Product Houses may at their sole discretion at any time: include or exclude a Bank Product from taking part in the eBucks Rewards for Business Programme, change the eBucks for Business earn and rewards rules, limit the amount of eBucks you can earn using a Bank Product and set a spend threshold on your account. A spend threshold means that you will not earn eBucks on qualifying purchases above the spend threshold amount. Business Rewards earned and allocated may be limited by Product Houses to maximum amounts per allocation or deposit period. These limitations may be changed from time to time.

We are not responsible for any loss, service interruption or delay resulting from circumstances beyond our reasonable control, including but not limited to: power cuts or a failure, malfunction or delay in an electronic data terminal, ATM, network or other system.

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PERSONAL SEGMENT

INTERPRETATION

These Personal Segment terms and conditions must be read with the following:

If a conflict or inconsistency exists between these Personal Segment Terms and Conditions and the abovementioned other terms and conditions, these Personal Segment Terms and Conditions will prevail to the extent of the conflict or inconsistency.

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GENERAL – PERSONAL SEGMENT

Where you hold multiple accounts, you will be rewarded on the highest qualifying Fusion and/or Cheque Account. If you do not hold a Qualifying Fusion and/or Cheque Account you will be rewarded based on your highest qualifying Credit Card. Your Qualifying Purchases on both accounts will contribute towards the calculation on the qualifying earn categories.

If all your FirstRand Bank accounts are not active and in Good Standing, you will not be entitled to earn eBucks or receive any rewards. eBucks are transferable between Personal eBucks Accounts and from a Business eBucks Account to a Personal eBucks Account only. Monetary rewards may not be transferred to an eBucks Account and eBucks cannot be converted to cash. You must be resident in the Republic of South Africa to earn Personal Segment.

Qualifying Purchases exclude Cash@Till®, transfers, EFTs, debit orders, cash withdrawals, travellers' cheques, foreign exchange transactions and casino and/or any form of gambling transactions. You don't earn eBucks on joint accounts or on FNB Money Market Transactor Accounts.

Qualifying spend is based on the date the merchant posts the transaction to the Qualifying Account for payment, which may be different to the date the actual purchase took place and the funds were reserved for the purchase, as per the InContact message regarding the reservation of the funds, which is sent to you at the time of the purchase. We cannot be held liable for any delays in merchants posting transactions. Personal Segment may be based either on end of day Bank Product balances or on Bank Product balances during the day.

You will not earn any eBucks on Qualifying Purchases in the following circumstances: the retailer refuses to accept Your FirstRand Bank Cards for any reason; the Product House cannot identify a qualifying transaction at the time the transaction is processed by the retailer for any reason, including but not limited to the retailer not processing the transaction correctly; the Qualifying Account is dormant or closed; or the purchase constitutes a fraudulent transaction.

We may at any time review and amend the rewards currency, Personal Segment, earn rules, the Qualifying Accounts, the Qualifying Criteria, the Rewards Levels, restrictions, caps and limitations. You will be notified of any changes in accordance with the eBucks Rewards Programme terms and conditions and prevailing law.

Product Houses may at their sole discretion at any time: include or exclude a Bank Product from taking part in the eBucks Rewards Programme, change the eBucks earn and rewards rules, limit the amount of eBucks you can earn using a Bank Product and set a spend threshold on your account. A spend threshold means that you will have to make qualifying purchases above the spend threshold to start earning eBucks. Personal Segment earned and allocated may be limited by Product Houses to maximum amounts per allocation or deposit period. These limitations may be changed from time to time.

We are not responsible for any loss, service interruption or delay resulting from circumstances beyond our reasonable control, including but not limited to: power cuts or a failure, malfunction or delay in an electronic data terminal, ATM, network or other system.

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IMPORTANT NOTICE: TAX IMPLICATIONS

We strongly recommend that you obtain independent professional advice regarding any tax implications arising from the receipt, accumulation, transfer or spend of any rewards, benefits, discounts or eBucks. Transfer refers to the transfer of rewards, benefits, discounts or eBucks to another person, business or entity.

You agree that you will not hold Us, FNB or FirstRand Bank Limited ("the Bank") or any of the Bank's affiliates liable and You hereby fully indemnify the Bank or any of the Bank's affiliates, and hold the Bank or any of the Bank's affiliates completely harmless, against all damages, claims and fines made against you or the Bank or any of the Bank's affiliates, including all legal costs on an attorney-and-own-client scale, to the extent to which such damages, claims and fines arise out of or are connected to any taxation relating to your receipt, accumulation, transfer or spend of any rewards, benefits, discounts or eBucks, or the charges in respect thereof.

You are fully responsible for any tax implications arising from or associated with any rewards, benefits, discounts or eBucks received, accumulated, transferred or spent, due to you being a Member of, or participating in, the eBucks Rewards Programme, or due to you being a customer of the Bank.

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ELIGIBILITY FOR PERSONAL SEGMENT

As from 31 May 2016, in order to join as a Personal Member of the eBucks Rewards Programme you must produce and provide Us with either a valid South African identity number and/or an Active FirstRand Bank Account as defined upon registration. Where you provide an Active FirstRand Bank Account this must be an account on which you frequently transact. If you are unable to provide the aforementioned information you will not be allowed to register as an eBucks member.

To qualify for rewards you must meet the Qualification Criteria applicable to your specific Qualifying Accounts. If any of the Qualification Criteria are not met, you will be disqualified from earning eBucks until such time as all the qualification criteria are met.

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FNB EASY ACCOUNTS(EASY PAYU AND EASY BUNDLE)

If you meet the FNB Easy PayU Qualification Criteria and meet the Qualifying Spend as set out in the earn rules on our Website, you could be rewarded with a Checkers Coupon, on a monthly basis. Where you fail to meet any of the Qualification Criteria at any time, you will not qualify to receive any rewards. In order to redeem your reward, you need to have an active cellphone number that is registered for cellphone banking.

If you meet the FNB Easy Smart Option Qualification Criteria and meet the Qualifying Spend, as set out in the earn rules on our Website, you could be rewarded in eBucks, on a weekly basis. Where you fail to meet any of the Qualification Criteria at any time, you will not qualify to receive any eBucks.

Visit our Website for the full list of requirements for earn rules, including Qualification Criteria, Qualifying Accounts, Qualifying Spend, and products that will assist you to earn even more.

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FNB ASPIRE

If you meet the Qualification Criteria and meet the Qualifying Spend, as set out in the earn rules on our Website, you could be rewarded in eBucks, within 3 – 5 business days. Where you fail to meet any of the requirements set out under the Qualification Criteria at any time, you will not qualify to earn any eBucks.

Visit our Website for the full list of requirements for earn rules, including Qualification Criteria, Qualifying Accounts, Qualifying Spend and products that will help you to earn even more.

FNB ASPIRE, FNB PREMIER, FNB PRIVATE CLIENTS, FNB PRIVATE WEALTH AND RMB PRIVATE BANK ACCOUNT – GENERAL REWARDS

If you meet the Qualification Criteria as set out in the earn rules on our Website, you will be rewarded in eBucks. Where you fail to meet any of the requirements set out under the Qualification Criteria at any time, you will not qualify to earn any eBucks.

The amount of eBucks you earn depends on your Rewards Level which determines your Rewards Rate (which is the percentage of your qualifying purchases that you earn back in eBucks). Your Rewards Level is determined by how many points you have collected in a calendar month, which is based on how you use your bank account(s). We will review your Rewards Level monthly, on or about the 8th of each month. There are spend limits applicable to the different eBucks earn categories, limiting the amount of spend on which you can earn eBucks.

Visit our Website for the full list of requirements for earn rules, including Qualification Criteria, Qualifying Accounts, Rewards Levels, earn rules, spend limits, restrictions, caps, qualifying products forming part of the reward level groups and the product requirements forming part of such qualifying products' sub-products. You can also check your Reward Level using the eBucks Dashboard or the eBucks Rewards Calculator.

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Definitions

TERMS DEFINITIONS
Access Codes Your UserID, eBucks PIN, eBucks Business Card PIN and/or OTP.
Active The status of your FNB or RMB Private Bank Qualifying Account as determined by the responsible Product House and further refers to an account which is frequently transacted on.
Additional Delivery Fees A fee charged, over and above the Delivery Fee, for the delivery of a product to an area to which We do not usually deliver.
Affiliate Any division, subsidiary, affiliate or its assigns of FirstRand Limited or such subsidiary or affiliate's division, subsidiary, affiliate or its assigns and so forth, as well as Our various Partners and our Suppliers where the context so requires.
Bank Product (s) Your applicable FNB or RMB Private Bank product, card or account.
Balance SMS Service If You request Your eBucks balance via Your Selected Cellular Phone by sending a SMS to 32224 with the word BALANCE and Your ID number, Your eBucks balance, as at the end of the previous month, will then be sent via SMS to Your Selected Cellular Phone.
Business / Business Member(s) Gold Business, Platinum Business, Enterprise Business and Private Business customers registered for the Business Rewards Programme.
Business Days All weekdays, Monday to Friday inclusive, but excluding Saturdays, Sundays and all Public Holidays.
Business eBucks Account The eBucks account provided by Us to Business Members.
Business Rewards / Business Rewards Programme A distinct component of the eBucks Rewards Programme designed exclusively for qualifying Gold Business, Platinum Business, Enterprise Business and Private Business Members.
Checking Out When Members conclude a transaction for the purchase of all products and/or services in his/her/its Shopping Basket.
Consumer Protection Act The Consumer Protection Act 68 of 2008, the general effective date of which is 31 March 2011. The Act envisages different roles including that of: consumer, producer, importer, distributor, supplier, distributor, retailer, service provider, intermediary and a loyalty programme. The different roles are regulated differently. Certain provisions in the Consumer Protection Act do not apply to activities regulated by specified provisions of the Electronic Communications and Transactions Act 25 of 2002.
Consumer Banking A segment within FNB focused on providing retail banking and related services to customers. For the purposes of Personal Segment this includes FNB Easy, FNB Aspire, FNB Premier, FNB Private Clients Accounts and RMB Private Bank Accounts and Credit Cards.
Personal Segment The rewards designed for qualifying Consumer Banking customers.
Consumer Credit Card A Bank Product offered by Consumer Banking.
Delivery Fee A fee automatically calculated by the Website for each Shopping Basket, which will be charged by the eBucks Rewards Programme for the delivery of products and/or services purchased via the eBucks Shop, but which expressly excludes any Additional Delivery Fees.
Disclaimer(s) Our Disclaimers, Waivers and Limitation of Liabilities provisions which can be found here.
Discount Level One of five discount levels determined by Us in accordance with our discount rules. The prevailing discount levels are available on Our Website.
Account Maintenance Charge A penalty amount of eB90 (inclusive of VAT), which will be deducted on a monthly basis on a dormant eBucks Account.
eBucks/eB Means the units acquired, earned and spent by a Member in accordance with the eBucks Rewards Programme, including the Business Rewards Programme, the value of which will be determined by Us from time to time. Currently eB10 (ten eBucks) is worth R1.00 (one Rand).
eBucks Accounts Includes both Personal eBucks Account and Business eBucks Account.
eBucks Contact Centre The eBucks Contact Centre that can be contacted on 087 320 3200.
eBucks Card A card similar to a debit card for earning or spending Your eBucks at eBucks Spend Partners who accept eBucks Cards as a payment mechanism in their retail stores.
eBucks Business Card An eBucks Card issued in respect of a Business eBucks Account.
eBucks Business Card Number The 16 digit number that appears on the front of Your eBucks Business Card.
eBucks Business Card PIN Your eBucks Business Card's 4 digit personal identification number which You will only use for purposes of spending Your eBucks at Our Spend Partners who accept eBucks Cards as a payment mechanism in their retail stores.
eBucks Personal Card An eBucks Card issued in respect of a Personal eBucks Account.
eBucks Personal Card Number The 16 digit number that appears on the front of Your eBucks Personal Card
eBucks PIN Your 4 digit personal identification number.
eBucks Payment Solution The eBucks Payment Solution enables Members to purchase available goods and services from selected Online Partners websites with eBucks.
eBucks Rewards Programme Means the rewards programme operated by Us whereby eBucks may be earned by Members and/or used to purchase goods and services from Our various Partners and/or the eBucks Shop, eBucks Travel and the conducting of competitions, promotions and new services
eBucks Shop An online shopping environment and catalogue located within the Website from where Members may purchase various products and services supplied to the eBucks Shop by Suppliers.
eBucks Travel A travel shop, which can be accessed on www.eBucks.com or by telephonically contacting the eBucks Travel Desk. Members may purchase a variety of travel-related products, packages and services via the eBucks Travel Desk.
eBucks Travel Desk Our Travel Agency, which You can contact on 087 587 2835.
Enterprise Business Cheque Account This includes the following qualifying accounts, namely an Enterprise Business Cheque Account, a Commercial Cheque Cashman Account, a Commercial Non-Resident Cheque Account or an Islamic Business Cheque Account.
FNB First National Bank, a Division of FirstRand Bank Limited, an Authorised Financial Services and Credit Provider (NCRCP20).
FNB Business A segment within FNB focused on providing business banking and related services to Gold Business, Platinum Business, Enterprise Business and Private Business Members.
FNB Business Credit Card For the purposes of Business Rewards this includes an FNB Business Credit Card, an FNB Business Gold Credit Card, an FNB Business Platinum Credit Card or an FNB Business Black Credit Card.
FNB Connect A segment of FNB providing voice and data services.
FNB Easy Account Refers to either an Easy bundle pricing option or an Easy Pay As You Use "PAYU" pricing option as offered through FNB.
FNB Electronic Channel(s) FNB Online Banking, FNB ATMs, FNB Cellphone Banking and the FNB Banking App.
FNB Fusion A Banking Product offered by Consumer Banking.
FNB Life A business unit of FNB, a division of FirstRand Bank Ltd, offering the policies of FirstRand Life Assurance Ltd.
FNB Product Group(s) Refers to eight different product groups used to determine your Rewards Level in relation to an FNB Account.
FirstRand Bank Account An FNB, RMB Private Bank, WesBank and Ashburton account which is deemed to be active in terms of the status determined by the responsible Product House and on which you frequently transact.
FirstRand Bank Cards Qualifying FNB and RMB Private Bank credit cards, debit cards or cheque cards.
FirstRand Bank Limited FirstRand Bank Limited, a registered bank, registration number 1929/001226/5/06.
FirstRand Life Assurance Limited FirstRand Life Assurance Limited is a registered insurer with registration number 2014/264879/06
FirstRand Limited FirstRand Limited, registration number 1966/01753/06.
Gold Business Cheque Account This includes the following qualifying accounts, namely a Gold Business Cheque Accounts, a Business Non-Resident Cheque Accounts, a Business Cheque Cashman Accounts, a Business Niche Markets Cheque Accounts, a Gold Business Islamic Cheque Accounts, a Business Cheque Khula Loans Account or an Islamic Mid Corp Cheque Account.
Good Standing An account that's in good standing means it isn'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). This applies to all First Rand Bank accounts, including FNB, Ashburton and WesBank accounts.
Itinerary Means an itemised list of events for each day of a travel package.
Kulula.Com Kulula.Com is a division of Comair Limited, Registration Number 1967/006783/06.
Mandate A document nominating an individual to transact for and on behalf of the Business on the Business' eBucks Account and mandating Us to act on instructions from that nominee concerning all matters involving the Business's participation in the Business Rewards Programme.
Member(s) A person or Business who has registered with the eBucks Rewards Programme. This includes Business Members unless the context otherwise requires.
Networks All mobile network providers available through FNB Electronic Channels, excluding FNB Connect.
One Account A Bank Product offered by Consumer Banking.
Online Partner(s) Selected online partners where you are provided with direct access to online shopping via their websites, by selecting the eBucks Payment Solution at the checkout point on their websites.
OTP One Time Pin, including a Verified by Visa One Time Pin when required.
Our FNB eBucks, a business unit of First National Bank, a division of FirstRand Bank Limited.
Partner(s) Legal entities that enable Members to earn, spend or both earn and spend their eBucks, including Online Partners.
Personal Cheque Account A Banking Product offered by Consumer Banking.
Personal eBucks Account The eBucks account provided by the eBucks Rewards Programme to an individual.
Personal Member A Member with a Personal eBucks Account.
Platinum Business Cheque Account This includes the following qualifying accounts, namely a Platinum Business Cheque Account, a PSB Public Schools Cheque Account or an Agricultural Business Cheque Account.
Primary Member The individual, in the case of a Business, responsible for managing the relationship between the Business and Us.
Privacy Policy View the Privacy Policy.
Private Business Cheque Account This includes the following qualifying accounts, namely an FNB Private Business Account or an RMB Private Bank Business Account.
Product House The product house in FNB or RMB Private Bank responsible for the relevant FNB and RMB Private Bank product(s) and account(s).
Promoter The person who, together with Us, administers or advertises a competition and/or who provides or sponsors a prize for such competition.
Qualifying Account(s) The FNB and RMB Private Bank accounts as determined by the responsible Product House.
Qualifying Business Account(s) For the purposes of Business Rewards this includes a Gold Business Cheque Account as defined, Platinum Business Cheque Account as defined, Enterprise Business Cheque Account as defined and Private Business Cheque Account as defined.
Qualifying Business Cheque Card(s) For the purposes of Business Rewards this includes a qualifying Gold Business Cheque Account, a qualifying Platinum Business Cheque Account, an Enterprise Business Cheque Account and a qualifying Private Cheque Account.
Qualifying Commercial Electronic Banking Fees Debit order fees (internal and external); FNB ATM fees for payments and transfers; IVR Telephone Banking fees for payments and transfers; fees for cash deposits at FNB ATM Advance terminals and FNB Online Banking and FNB Online Banking Enterprise™fees for payments and transfers.
Qualifying Consumer Banking Customers The Qualifying Consumer Banking customers as determined by the relevant Product House.
Qualifying Criteria The qualifying criteria associated with the Qualifying Accounts as determined by the responsible Product House.
Qualifying Purchases Purchases or spend on which you earn eBucks or receive rewards as the case may be.
Qualifying Shoprite Checkers Purchases The Rand value of purchases, using qualifying FirstRand Bank Cards, of goods and services from Shoprite, Shoprite Hyper, Checkers, Checkers Hyper, Liquor Shop and U-Save retail outlets of Shoprite Checkers (Pty) Limited situated in South Africa, excluding transactions at MediRite Pharmacies, Money Markets, Computicket, Computicket-Travel and Cash@Till® withdrawals.
Qualifying Shoprite Checkers eBucks Card Purchases Purchases, with eBucks or partially with eBucks using eBucks Cards, of goods and services from Shoprite, Shoprite Hyper, Checkers, Checkers Hyper, Liquor Shop and U-Save retail outlets of Shoprite Checkers (Pty) Limited situated in South Africa, excluding transactions at MediRite Pharmacies, Money Markets, Computicket, Computicket-Travel and Cash@Till® withdrawals.
Rand The basic unit of money in South Africa. Currently R1.00 (one Rand) is worth eB10 (ten eBucks).
Rewards Level(s) The Rewards Level for each of Your Qualifying Accounts based on Your banking behaviour as determined by the Product House responsible for the applicable Qualifying Account
Rewards Rate The percentage Members will earn back based on Qualifying Purchases based on the Rewards Level they are placed on.
RMB Private Bank A division of FirstRand Bank Limited.
Recipient The person accepting the product from the Supplier, if You request that the product purchased in the eBucks Shop to be delivered to a place of work e.g. the mailroom or receptionist.
Security Policy Click here
Selected Cell Phone Your cell phone SIM Card which is connected to Your Selected Cell Phone Number.
Selected Cell Phone Number Your cell phone number which You have elected, upon registering for the eBucks Rewards Programme or as subsequently amended by You, to receive OTP's and eBucks PIN SMS reminders on. Your Verified by Visa OTP will be sent to Your FNB or RMB Private Bank inContact cellphone number. If Your Selected Cell Phone Number is not the same Your FNB or RMB Private Bank inContact cellphone number You will not be able to purchase goods and services in the eBucks Shop.
Service Terms Suppliers' own agreements, including but not limited to Online Partners terms and conditions, having their own terms and conditions that will govern Your use of the products bought from them and/or the use of the services supplied by them, such as refund policies and the terms relating to the use of the products and services.
Shopping Basket Constitutes a list of all products and/or services compiled prior to Check Out and which a Member at the time of Check Out offers to purchase together.
SMS Short Messaging Service is a message sent to a designated cellular phone, including Your Selected Cell Phone Number.
Spend Partner Partners that enable Members to spend their eBucks at their retail outlets or on their websites.
Subscription Products Products or services that eBucks for Business Members were able to subscribe to on a recurring basis through the eBucks for Business Shop. These products and services are subject to their own Service Terms and are no longer available for new purchases through the eBucks Shop or through the eBucks for Business Shop, which has been discontinued.
Suppliers Entities, as envisaged by the Electronic Communications and Transactions Act 25 of 2002, to whom You will refer all queries and complaints, unless expressly otherwise provided in these Terms and Conditions and/or in those circumstances contemplated in terms of the Consumer Protection Act with regard to products bought and services used via the eBucks Shop, eBucks Travel and Our Partners. Kulula.Com is the supplier in respect of all bookings made through the OBE.
Terms and Conditions These terms and conditions, including the eBucks for Business Terms and Conditions, as amended, novated, supplemented, varied or replaced from time to time, applicable to the eBucks Rewards Programme and all Our products and services and must be read in conjunction with all other relevant terms and conditions on the Website, product and service specific terms and conditions, Our Privacy Policy, Our Disclaimers, Waivers and Limitation of Liability provisions and the Service Terms. If you are not an eBucks Member and are using an eBucks Travel or purchasing an eBucks Travel product, the eBucks Travel Terms and Conditions will apply.
Third Party Websites Partner websites, including our Online Partner websites.
Transport For purposes of Business Rewards this includes fuel purchases and purchases on Uber and Gautrain.
Transactor the individual, in the case of a Business , nominated by the Primary Member to transact on the Business eBucks Account, for and on behalf of the Business. Should the Primary Member not have appointed a Transactor, then the Primary Member will for certain circumstances also be deemed the Transactor.
Travel Agent The travel agent designated for a specific travel package advertised on eBucks Travel. We may be designated as the Travel Agent.
Us FNB-eBucks, a business unit of First National Bank, a division of FirstRand Bank Limited.
UserID Your South African Identity Number or Your eBucks Personal Card Number.
Verified by Visa Verified by Visa is a service offered by Visa International that uses a 3 D Secure OTP to protect a cardholder against fraud and unauthorised use.
Virtual Voucher An electronic voucher/gift card upon which Your purchase thereof is sent to Your designated cellular phone via Short Messaging Service (i.e. "SMS") or e-mail address. A Virtual Voucher may consist of up to a maximum of 10 (ten) tickets/vouchers printed at the point of collection.
We FNB-eBucks, a business unit of First National Bank, a division of FirstRand Bank Limited.
Website The website which may be accessed at the universal resource locator https://www.eBucks.com. The Website consists of Our various webpages.
You/Your Refers to qualifying Member(s).