If you are on FNB and trying to figure out whether Premier, Private Clients, or Private Wealth gives you the best eBucks value, I built a calculator to help.
You enter your typical monthly spend at each eBucks partner, tick which FNB products you have (WesBank Vehicle Finance, FNB Car Insurance), and it calculates your estimated eBucks at Reward Level 5 across all three packages, then shows you the net benefit after monthly fees.
What it covers:
- Pick n Pay in-store (20% back) and asap! delivery (30% back)
- Spar (15% back for Private Clients and Private Wealth)
- Engen fuel — R4 to R8 per litre depending on your products, with the correct spend caps applied
- Smart Spend (the tiered earn-from-bank reward on general card purchases)
- Monthly account fees deducted so you see the true net value
All caps are applied correctly, including the shared grocery cap across Pick n Pay and Spar, and the Engen cap (lesser of 20% of total card spend or the package fixed cap).
I would love to hear your feedback, does the calculator match what you actually earn? Are there any earn categories I should add? Drop your thoughts below.