9 Simple Ways To Earn More eBucks Quickly in 2020


I bank with FNB (First National Bank), so I did some intense research into how I can earn as many eBucks as possible. Here’s what I discovered.

You earn more eBucks as you increase your rewards level from 01 to 05 by winning points as you complete goals provided by FNB. The more points you get, the higher the rewards level you’ll achieve. Rewards level 01 gives 10% back on your spend in eBucks, while on the other hand, rewards level 05 will give you around 40% back.

Here’s how many points you’ll need with the FNB gold card to reach level 05:

  • Level 01: 0 – 1,999
  • Level 02: 2,000 – 4,999
  • Level 03: 5,000 – 7,999
  • Level 04: 8000 – 9,999
  • Level 05: 10,000+

So our primary goal is to get our rewards level as high as possible by winning as many points as we can. The higher we climb the ladder, the more % of our everyday spend we’ll get back in eBucks. This guide will show the best way to do it.

Method:Rewards points per month:
Activate and check your credit status on FNB app1000 to 2000
Open and view the “Track my rewards” tab on the FNB app500
Have a savings account that grows by R500 per month500
Have an FNB savings account with a minimum balance500 to 1500
Do at-least two transactions in the FNB app2000
Get a credit card or and overdraft on your gold account1000 
Pay for a minimum of two online platforms500 to 2000
Draft a will for your family1000 
Invest R5000 in one trade at-least once per month500 to 2000
9 best methods to increase your eBucks rewards level.

SIDE NOTE: Your ebucks rewards level is calculated around the 8th of every month.

Before getting started, I highly recommend you download the FNB app. It’s a brilliant tool that helps you manage your finances a lot easier and on top of that gives you so many more opportunities to earn eBucks by doing very little. You can download it for your android phone here, or your iPhone here.

Got the FNB app? Great let’s get started.

Activate and check your credit status on FNB app

Potential Ebucks points: 1000 to 2000 points per month.

This one hid away from me for some time. You’ll get a set number of points by accepting the terms and conditions, then by maintaining a specific credit status.

ACTION STEP:

First you’ll need to accept the terms and conditions. Here’s how:

  1. Open your FNB app.
  2. Open the menu by clicking on the top left of your screen.
  3. Click on the “nav-igate life” menu option
  4. Tap on the “Money” tab.
  5. Then tap on “credit status”
  6. Finally read through the terms and conditions, then select accept.

Now you’ll be taken to a screen showing what your credit status is at the moment. You’ll get monthly points for maintaining a specific credit status or by increasing it. So the better your credit score is, the more free eBucks points you’ll get monthly.

Here’s how many points you can get for maintaining a particular credit score.

FNB Credit status score:eBucks points per month:
Amber1000
Light green1500
Dark green2000
Red0
Table showing how many eBucks points you can earn per month with different credit score statuses.

If you have a bad credit score, you won’t get any points, so I highly recommend you clean up your credit record. This is such an easy win.

Open and view the “Track my rewards” tab on the FNB app

Potential Ebucks points: 500 points per month.

I mean, this is basically a steal. All you need to do once a month is open and view the “track my rewards” tab within the FNB app. The most challenging part of this step is to remember, so if you think you’ll forget, make sure you bookmark this article to remind you.

ACTION STEP:

  1. Open and login to your FNB app on your mobile phone.
  2. At the home screen, tap on the “eBucks” tab.
  3. Tap on the “Earn” tab.
  4. Then tap on “Track my rewards.”

Boom, it’s as easy as that. Do this monthly and you’ll get 500 points per month added to your account.

The “Track my rewards area” will also give you insights into some excellent point earning opportunities, so if you have time you might as well browse around and find some quick wins.

Have a savings account that grows by R500 per month

Potential Ebucks points: 500 points per month.

If you’re trying to save money then this is the perfect opportunity to rake in some extra eBuck points.

ACTION STEP:

  1. First, make sure you open a savings account within your FNB banking profile if you haven’t done so already.
  2. Second, have a minimum balance of R500 in your savings account, and increase that by R500 per month to keep earning your 500 points.

It’s that simple. Now you’ll not only get into a healthy habit of saving money, but you’ll also be rewarded with eBuck points that will get you one step closer to that rewards level 05.

Have a FNB savings account with a minimum balance

Potential Ebucks points: 500 to 1500 points per month.

If you’ve made use of the step above this, your savings account will slowly be growing. Sooner or later you’ll achieve a minimum savings balance that will reward you with eBucks points for doing diddly squat. Awesome right?

The best part is the bigger your savings become, the more eBucks you’ll be rewarded for just letting your money sit in there.

ACTION STEP:

All you need to do is keep growing your savings account until you hit these thresholds.

Money in savings account:eBucks points per month:
R16,500+1500
R11,000 to R16,4991000
R5,500 to R10,999500
R0 to R5,4990
Table showing how many eBucks points you can earn per month with different savings.

And that’s all you need to do. Keep saving your money, and eBucks will keep rewarding you month after month!

Do at-least two transcations in the FNB app

Potential Ebucks points: 2000 points per month.

This is method is such an easy win, instead of doing ANY transaction at your local brand or on the internet, make sure you do them on the FNB app instead.

ACTION STEP:

Do at-least two transactions on the FNB app per month to keep getting your 2000 montly eBuck points. These tranactions can include:

  • Payments to anyone.
  • Transfers.
  • Purchases on the app for lotto, airtime, Powerball, etc.
  • “Send money” Transactions.

That’s it. Keep this up and eBucks will keep rewarding you for it.

Get a credit card or and overdraft on your gold account

Potential Ebucks points: 1000 points per month.

Yes, debt can be bad, but only if you use money that you’re not able to pay back. So if you think you’re responsible, here’s a quick method that will rake in another 1000 points monthly.

ACTION STEP:

  1. Either get an FNB credit card linked to your profile, or you can request an overdraft on your current account.
  2. Once you have access to credit, use at-least R500 of that credit in a given month, and don’t pay it back for at least 48 working hours. Make sure you pay it back as soon as possible after that period to avoid paying unnecessary interest on the credit you used.

Done, you should be rewarded with another easy 1000 eBuck points.

Pay for a minimum of two online platforms

Potential Ebucks points: 500 to 2000 points per month.

If you’re into online games, watching movie streaming services such as Netflix, and if you’re a fan of ordering your food online, make sure you’re using your FNB card to pay for these services!

ACTION STEP:

eBucks will reward you with points for using your FNB card to pay for these online services; Deezer, iTunes, Netflix, Spotify®, YouTube, Showmax, SweepSouth, Audible, Google Play, Mr D Food, Uber, UberEats, PlayStation, Xbox, Google and Bolt.

The best part? The more transactions you make on those services, the more points you’ll get rewarded. Here’s how many points you can get:

Transactions performed:eBucks points per month:
4+ Transaction2000
3 Transaction1500
2 Transaction1000
1 Transaction500
Table showing how many eBucks points you can earn per month with online transactions supported by eBucks.

Draft a will for your family

Potential Ebucks points: 1000 points per month.

This one is straight forward, but it can be pretty scary. That being said, it’s always a good idea to prepare for the worse. And if you’ll get rewarded in the process, then its even better.

ACTION STEP:

All you need to do is draft a will, sign it and use FNB as your executor. Once done, you’ll be rewarded with 1000 points every month.

Follow this link to find out how.

Invest R5000 in one trade at-least once per month

Potential Ebucks points: 500 to 2000 points per month.

Investing money is a great way to diversify your wealth. So if investing is something you’re already into or thinking of starting, make sure you invest using an FNB share investor account to get rewarded with eBucks.

ACTION STEP:

  • First, you’ll need to open an FNB share investor account. This can be done online, or you can even walk into your local branch if you need some extra help.
  • Once you have a share investor, make sure you check out this guide I wrote on how to buy shares on FNB. It will walk you through how to buy shares on the FNB.

IMPORTANT NOTE: Before you start investing in South Africa, make sure you read this article that will give you a good idea of what to expect when investing in shares. *Spoiler alert, investing in shares WON’T make you rich overnight.

Now as always, the more trades you perform, the more eBuck points you’ll get rewarded.

Trades:eBucks points per month:
4+ trades of R5000+ each2000
2 trades of R5000+ each1000
1 trade of R5000+ 500
Table showing how many eBucks points you can earn per month with the number of trades performed.

Best places to spend money to earn eBucks

Now that you’ve climbed the ladder, you’re probably wondering where you should spend your money to make sure you get the best possible % back for your rewards level. Just to be clear, eBuck points determines your rewards level, which affects how much money you’ll get back on your purchases in eBucks.

eBucks have certain partners, so the more you spend with these partners the more eBucks you’ll earn.

REAL-LIFE SCENARIO: Clicks offers 5% cashback in eBucks if you’re on rewards level 3. So, in this case, if you spend R100 at clicks, you’ll get R5 back, which equals 50 ebucks.

SIDE NOTE: 10 eBucks is worth exactly R1.

Here’s a table that explains exactly how many eBucks you can earn with your Gold card:

Where to spend to earn most eBucks:Level 01
0 – 1999 points
Level 02
2000 – 4999 points
Level 03
5000 – 7999 points
Level 04
8000 – 9999 points
Level 05
10000 + points
Can only earn eBucks on:
In-store and online eBucks partner spend:
FNB Fusion Gold or FNB Gold Credit Card
0,3%0,5%0,7%1%1,5%R7,500 monthly spend
In-store and online eBucks partner spend: FNB Gold Cheque Card0,2%0,2%0,2%0,2%0,2%R7,500 monthly spend
Clicks 1%2.5%5%7.5%15%R1,500 monthly spend
Checkers & Shoprite1%2,5%5%7,5%15%R1,750 monthly spend
Fuel (Engen only): Rands/litreR0,10R0,25R0,75R2R4R1,500 monthly spend
KFC0,5%2,5%5%7,5%15%R350 monthly spend
Intercape5%10%15%25%40%R1,000 monthly spend
Video Streaming (Netflix)*5%10%15%25%40%R169 monthly spend
Music Streaming (Spotify®)*5%10%15%25%40%R99 monthly spend
FNB Connect1%2,5%5%7,5%15%R1,000 monthly spend
FNB Global Debit Card0,5%1%2%2,5%4%R40,000 monthly spend
FNB Life Insurance – Protect Series1%2,5%5%7,5%15%R7,000 monthly spend
FNB Life Insurance – Life Simplified and Life Customised1%2,5%15%25%40%R7,000 monthly spend
FNB Foreign Exchange 5%10%20%30%50%
Table shows where you can spend your money with your Gold account to earn the most eBucks. [SOURCE]

There are rules associated with the above spend amounts, so I highly recommend you go through this article provided by eBucks that will explain all the terms and conditions to avoid disappointment.

Final Thoughts

To make the most of your eBucks, climb the rewards ladder as quickly as possible, then spend your money with eBucks partners on the table above. If you do this, you’ll give yourself the best chance of earning as many eBucks as possible.

YOUR TURN: Do you know of any eBucks hacks that I missed that worked great for you? Let us know in the comments below so that we can all learn from each other!

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