Platinum Cheque Account, Islamic Platinum Cheque Account, One Account and Platinum Credit Card

Transcription

1 Platinum Cheque Account, Islamic Platinum Cheque Account, One Account and Platinum Credit Card Pricing Guide 1 July June 2016 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).

2 Platinum Cheque Account bundled R199 p/m The Platinum side of life is the convenience of having all your banking in one place, with a dedicated team of Premium Bankers to take care of all your banking needs, access to exclusive lifestyle benefits and so much more. To benefit from FNB s Platinum Account offering, you need to earn an income of R R per year. Bank Access to a dedicated team of Premier Bankers to cater to your day-to-day banking requirements, reducing your need to go into a branch Unlimited swipes when you use your Platinum Cheque Card to pay Draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills of fees subscription to incontact. This means we ll SMS you every time more than R 100 goes out of or into your account subscription to Cellphone Banking, Online Banking, Telephone Banking and the FNB Banking App. You pay only for the data you use ed monthly statements Save Bank for. Pay no monthly fee when you maintain R or more in your Cheque Account at all times throughout the month A Linked Savings Account that earns you interest The option to Bank Your Change when we round your card purchase value up and transfer the difference between your purchase amount and that amount into your Linked Savings Account. So, you save while you spend Islamic Platinum Account FNB is proud to offer you a Shari ah-compliant Platinum Account, with the same value-adds, reward benefits and pricing as a Platinum Cheque Account. With Islamic Banking, you may be eligible to earn a monthly profit share on your Linked Savings Account. For more information, contact the Islamic Banking Contact Centre on Borrow A Temporary Loan is a pre-approved, short-term credit offering, for which there is no need to fill in any forms Revolving Loan that lets you re-access your funds once you ve repaid 15% of your original loan amount Overdraft access that is of initiation fees. You only pay for the facility when you use it. Please note that Overdraft, Temporary Loans and Revolving Loans are not offered on the Islamic Platinum Cheque Account.

3 A Linked Savings Account that earns you interest ed monthly statements Draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills of fees Live delivery of your Platinum Cheque Card to your home or office Comprehensive Global Travel Insurance, keeping you covered for local and international travel when you purchase your air ticket(s) using your Platinum Cheque Card subscription to ebucks Rewards* The ability to earn ebucks by swiping your card for purchases Earn up to 1% back in ebucks when you swipe your Platinum Cheque Card when shopping and up to 2% back when you shop online or internationally Earn up to 15% back in ebucks when you fill up with fuel, use Uber domestically or shop at Checkers and Shoprite with your Platinum Cheque Card Earn up to 40% back in ebucks on your qualifying FNB Connect contract or when purchasing FNB Connect prepaid airtime The freedom to spend your ebucks on almost anything Get up to 40% discount on selected items from the ebucks Shop as well as up to 40% off local and international flights and domestic car hire through ebucks Travel**. Get up to 100% discount on your Uncapped ADSL Data subscription through FNB Connect Access to smartphones, tablets or laptops at discounted prices over a 24-month period with 0% interest Access to SLOW Domestic Lounges and SLOW International Access to SLOW in the City subscription to incontact. We ll SMS you every time more than R100 goes out of - or into - your account Terms Conditions and Rules apply. * For more on ebucks Rewards, go to ** Discounts exclude all taxes. Earn ebucks for doing everyday things like paying with your card Unlimited swipes when you use your Platinum Cheque Card to pay

4 As a Platinum Cheque Account customer, one of three pricing options is available to you: a Pay-As-You-Use Pricing Option, an Unlimited Pricing Option and Bundled Pricing. They are here to give you what you need and at the right price for you. As a Platinum Cheque Account customer, one of three pricing options is available to you: Pay-As-You-Use Pricing If your transactions vary on a month-to-month basis and you do a combination of electronic and branch transactions, you might prefer to be charged for each transaction as you go. Bundled Pricing If you want to pay a fixed monthly fee for your complete bundle of Platinum products and maximise your Platinum rewards and benefits, this option gives you: Unlimited Pricing If you want to always have a sense of what your costs are, a fixed monthly fee might work for you. With Unlimited Pricing, you get: Unlimited qualifying electronic transactions using Online Banking, Telephone Banking, and the FNB Banking App. Six FNB ATM withdrawals every month A discounted monthly account fee that covers both your Platinum Cheque Account and Platinum Credit Card fees as well as your subscription to ebucks Rewards Unlimited qualifying electronic transactions using Online Banking, Telephone Banking, and the FNB Banking App Eight FNB ATM withdrawals every month One FNB ATM cash deposit every month electronic prepaid purchases Transaction Description Bundled Unlimited Pay-As-You-Use Monthly Fees Platinum Cheque Account & Islamic Platinum Cheque Account R R R One Account R R N/A Minimum Balance Required to be maintained in your Platinum Cheque Account for your monthly account fee to be waived (not applicable to One Account) R One Account service fees R N/A Online and Cellphone Banking Subscriptions incontact Linked Savings Account (Savings Pocket) Petrol Card R Card Purchases Pay with your Card Commission and Currency conversion fee on International Card Purchases 2.75% of transaction value Petrol Card Purchases R 5.00

5 Transaction Description Bundled Unlimited Pay-As-You-Use Cash Withdrawals FNB Slimline R 5.00 FNB ATM Eight every Month, thereafter R R 1.30 per R 100 Six every Month, thereafter R R 1.30 per R 100 R R 1.30 per R 100 Other Banks ATM R R 1.30 per R 100 International ATM (Additional 2.75% Commission and Conversion fee applies) R R FNB Branch /Cheque R R 1.65 per R 100 International Branch (Additional 2.75% Commission and Conversion fee applies) R R 1.65 per R 100 Linked Account Transfers Into linked Savings Account (Savings Pocket) Using Mobile Channels R 1.50 Using echannels R 3.50 FNB Branch or Telephone Banking (Consultant Assisted) R Payments Using Mobile Channels R 1.50 Using echannels R 7.00 FNB Branch or Telephone Banking (Consultant Assisted) R Bank Cheque R Debit Orders Internal R 3.70 External R Cancel Debit Order/Cheque (Stop Payment) Online or Mobile Channels R 5.00 Telephone Banking (Consultant Assisted) R Branch R Scheduled Payment Related (Establishment and Amendment) Online Branch R Deposits Cash Deposit at FNB ATM One, thereafter R 0.70 per R 100 (minimum R 5.50) R 0.70 per R 100 (minimum R 5.50) Cash Deposit at FNB Branch R 1.65 per R 100 (minimum R 50.00) Cheque Deposit at FNB Branch and ATM R ENC Upliftment Fee and Special Clearance R

6 Transaction Description Bundled Unlimited Pay-As-You-Use Prepaid Airtime Purchases FNB Connect Prepaid Airtime using echannels and Mobile Channels Other Prepaid Airtime using echannels and Mobile Channels Other Banks' ATM or Telephone Banking (Consultant Assisted) R 1.10 R 9.00 Balance Enquiries Using echannels and Mobile Channels Point-of-Sale R 1.50 Other Banks ATM, International Point-of-Sale, Branch or Telephone Banking (Consultant Assisted) R 5.00 Statements Current Month ed Statement Cellphone Banking Mini Statement FNB ATM Transaction List R 3.00 Posted Statement Historical Statements older than 3 months - Online Banking ing of Statements - Branch and Telephone Banking Printing of Statements - Branch and Telephone Banking R (per statement) R 6.00 (per statement) R (per statement) R (per page) Unsuccessful Transactions (Insufficient Funds) FNB ATM Point-of-Sale, Scheduled Payment, EDO and Other banks ATM Insufficient funds fee (Returned item Cheque or Debit order) Payment Honouring Fee* (Value of payment R 0 R 1 000) Payment Honouring Fee* (Value of payment R ) R 8.00 R for the first three items, thereafter R138 per subsequent item within 12 months R per Item R per Item Card Replacement Fees Visa Cheque Card/ Chip & PIN Card R FNB Petrol Card R Credit Fees Monthly Overdraft Fee (only pay when you use R200 or more of your Overdraft) Rebate on Monthly Overdraft Fee (when you have not used more than your Overdraft limit) R R Monthly Revolving Loan Fee R Cheque Book Fees Pocket 40 Form R *A service fee charged for each payment honoured where there is not enough money in your transactional account.

7 Transaction Description Bundled Unlimited Pay-As-You-Use Copies of Vouchers (Deposit Slips and Cheques) Online Banking Branch and Telephone Banking (Consultant Assisted) R Convenience and Value Added Services Buy LOTTO /Powerball R 1.75 Pay TV prepaid purchase R 1.75 Multichoice Payments R 5.00 Pay & Clear Now R Cardless Cash Withdrawals R 5.00 Send Money Send Money to an ewallet R 9.50 Reversal of Send Money to ewallet R Send Money to Zimbabwe/ Mozambique Value: R R R Value: R R R Value: R R R Additional Statements (fee per month) Daily R Online Weekly R Twice Monthly R Daily R Paper Weekly R Twice Monthly R Electronic Subscriptions Services (fee per month) My Limit Alert Scheduled Payment Alert R 3.00 Balance Alert (fee per month) Monthly R 1.00 Weekly R 3.00 Daily R Payment Notifications R 0.74 SMS R 1.15 Fax R 5.50

8 Other Fees Card Courier Fee Cheque Book Courier R Online Banking Password Reset Telephone Banking (Consultant Assisted) Online Banking Account Verification (FNB Accounts and Other Banks Accounts) R R 4.60 Optional Roadside Assistance R 6.00 Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) Online Banking Payment History (older than 3 months) Online Banking Account verification fee (FNB and other banks Account) R R 4.60 R 4.60

9 Platinum Credit Card R69 p/m Inc. Credit Facility Service Fee Today, credit cards are not just about getting credit. They re about creating a life. Rather than just a plastic picture of access to extra, they have become a representation of the real world. A credit card and especially one from FNB has become the ultimate lifestyle leverage opportunity. A way into the world, a world where reality and rewards meet, where buying and benefits speak to each other. In a customer-centric context, you get to imagine and innovate Bank Access to the 24/7 Platinum Call Centre with its dedicated team of Premier Bankers to cater to your day-to-day banking requirements, reducing your need to go into the branch Unlimited swipes when you use your Platinum Credit Card to pay subscription to incontact. This means we ll SMS you every time more than R 100 goes out of or into your account subscription to Online Banking, Cellphone Banking, Telephone Banking and the FNB Banking App balance enquiries using Cellphone Banking, Online Banking and the FNB Banking App ed monthly statements lost card protection and PIN replacement Auto Payment, offering you the convenience of having your account paid on time each month The ability to make secure payments with your Chip & PIN Credit Card Protection from unauthorised online transactions with Online Secure, giving you a One Time PIN (OTP) to protect your card s exclusivity Automatic Debt Protection to settle your outstanding credit card debt in the event of death or permanent disability, with the option to sign up for FNB s Top-up Debt Protection Plan, for which there is a charge in your everyday life as well as initiate change in the world around you. You can best do this with an FNB Credit Card. Save Personalised and competitive debit interest rates based on your personal risk profile Borrow Up to 55 days interest- credit Personalised and competitive debit interest rates

10 ed monthly statements Delivery of your Platinum Credit Card to your home or office AA Emergency Roadside Assistance with a linked Petro Card Earn ebucks for doing everyday things like paying with your card Protection with Online Secure, giving you a OTP to protect your card s exclusivity Live delivery of your PlatinumCredit Card to your home or office Comprehensive Global Travel Insurance, covering you locally and internationally, when you purchase your return travel ticket(s) using your Platinum Credit Card AA Emergency Roadside Assistance with a linked Petro Card Take Me Home, a designated driver service on your linked Platinum Petro Card and Standalone Petro Card subscription to ebucks Rewards* on the Bundled Pricing Option The ability to earn ebucks for doing everyday things like swiping your card, shopping online, shopping internationally, shopping at Checkers & Shoprite, filling up with fuel, using Uber domestically, purchasing prepaid airtime and prepaid electricity electronically through FNB or when you send or receive foreign currency through FNB Forex Earn up to 2% back in ebucks when you swipe your Platinum Credit Card when shopping and up to 4% back when you shop online or internationally Earn up to 15% back in ebucks when you fill up with fuel, use Uber domestically or shop at Checkers and Shoprite with your Platinum Credit Card The freedom to spend your ebucks on almost anything: fuel, electronics, appliances, travel, books, CDs, DVDs, flowers, outdoor equipment, fashion you name it Get up to 40% discount on selected items from the ebucks Shop as well as up to 40% off local and international flights and domestic car hire through ebucks Travel**. This means that the more ebucks you earn, the more you save when you spend your ebucks while getting a discount on your purchase at the same time. Sounds like a no-brainer to us! The opportunity to purchase FNB s Lifestyle Protector, providing lifestyle cover for your loved ones in the event of your death or permanent disability Access to SLOW Domestic Lounges and SLOW International Access to SLOW in the City Compehensive Global Travel Insurance when you purchase your return travel ticket(s) using your Platinum Credit Card To best optimise your ebucks earnings, having a Platinum Cheque Account in conjunction with a Platinum Credit Card is the way to go. This will mean that you can move up your ebucks Rewards level more quickly and earn more ebucks. Terms Conditions and Rules apply * For more on ebucks Rewards, go to **Discounts exclude all taxes The Bundled Pricing Option on your Platinum Cheque Account includes your Credit Card Monthly Account Fee, Credit Facility Service Fee, as well as fees for up to 5 Additional Credit Cards (excl. Linked Petro Cards). Platinum Credit Card Fees Fees per month Credit Card Monthly Account Fee R Credit Facility Service Fee R Additional Card Fees (per card linked to account) R Linked Petro Card (per card linked to account) R Initiation Fee (once-off) R

11 Standalone Petro Card Fees Fees per month Credit Card Monthly Account Fee R Credit Facility Service Fee R Additional Card Fees (per card linked to account) R Initiation Fee (once-off) R Credit Card Monthly Account Fee is the cost charged monthly for the administration and maintenance of your Credit Card Account Credit Facility Service Fee is the cost charged monthly for the routine administration and maintenance of maintaining your Credit Facility Credit Card Monthly Account Fees and Credit Facility Service Fees are not negotiable Purchases Credit Card Purchases Credit Card Budget Purchases Fees Commission and Currency Fee on International Card Purchases 2.75% Fuel Transaction Fee (Petro Cards only) R 5.00 Cash Withdrawal Fees Fees FNB ATM R R 1.30 per R 100 Other Banks' ATM R FNB ATM Fee FNB Mini ATM R R 1.30 per R 100 Branch (includes all Financial Institution Branches and the Purchase of Foreign Exchange) R R 1.65 per R 100 Cash on Budget R % of withdrawal value International*(ATM and Branch) R R 1.65 per R 100 Deposits Fees Cheque Deposits R FNB ATM with Automated Deposit Terminal (ADT) R 0.70 per R 100 (R 5.50 minimum) Cheque Clearance Fee R FNB Branch and FNB ATM with envelope deposits R 1.65 per R 100 (R 50 minimum) * International Currency Commission and Conversion Fee of 2.75% of the transaction value applies for international purchases. This fee is subject to exchange rate fluctuations and may be reviewed quarterly. Some international ATM s charge an additional surcharge. Linked Account Transfers & Account Payments IVR Smart Transfer to FNB Fees Linked Account Transfers R 3.50 Third Party Payments R 7.00 Telephone Banking (Consultant Assisted) R Transfers and Payments at Branch R Voucher Retrieval Requests Fees per month Local R International R

12 Other Fees Fees Declined Transaction Fee R 8.00 Bank Cheque Administration Fee R Card Replacement Fee (per card) (standard 3-day delivery) R Fast-track Card Replacement Fee (per card) (24-hour delivery on request) R Card delivery to nearest FNB Branch Card courier personal delivery Section 129 Letter Fee R Credit Card Monthly Rewards Fee Convenience Fees R per month Fees Send money to an ewallet (R 20 - R 3000) R 9.50 Reversal of incorrect "Send money to FNB ewallet" transaction R Cardless cash withdrawal R FNB ATM fee Pay2Cell R 3.80 LOTTO /Powerball Purchase R 2.20 Prepaid Transaction Fee (FNB ATM, Cellphone, Online & Telephone Banking) R 2.20 Uncapped ADSL Fee R 2.20 Important Information The above pricing is inclusive of VAT Interest rates are personalised and appear on the credit card statement Visit our website at for a copy of the Terms and Conditions that govern our agreement Should you require further information on any credit card products or services, please contact Credit Card Customer Enquiries on If your Credit Facility goes into arrears, you will be liable for collection fees in accordance with the National Credit Act The Small Print FNB s Small Print is straightforward. Here we go: Information on our products and prices FNB, a division of FirstRand Bank Ltd., reserves the right to change fees or introduce new fees from time to time. If we do this, though, we ll give you at least 20 business days notice of these changes. You ll find changes on or on FNB ATMs. We strive to keep the information provided in the pricing guide as accurate as possible, and we will not be held responsible if an error or omission is found. You must apply for each facility or product individually. The grant of any facility or product is subject to you meeting the qualifying criteria of that product or facility. Each facility or product has a set of terms and conditions for that specific facility or product. We agree on these terms and conditions with the applicant. If there is disagreement between the product or facility-specific terms and conditions and what s outlined in this pricing guide, we ll follow the product or facility-specific terms and conditions that apply to such a facility or product. The Bank reserves the right to change the features of any product or facility at any time. Fees quoted as per R 100 or per R 500 include parts thereof. When Cellphone Banking is referred to, standard network rates apply. All fees quoted are VAT inclusive and are effective from 1 July 2015 to 30 June The fees included here are not all of FNB s fees. For all the fees on this account, please go to First National Bank, a division of FirstRand Bank Ltd, is an Authorised Financial Services Provider. Terms, Conditions and Rules apply. Standard network rates apply. Standard terminology If you want to compare FNB s fees with those of other banks, we have, as far as possible, used standard terminology throughout this pricing guide. This is in line with Section 13 of the Code of Banking Practice (COBP). In the case where we ve used FNB-specific terminology, we ve added this here showing the wording that other banks may use. So, FNB s term as per this pricing guide is Card Purchase, while the standard terminology is Card Transaction ; FNB s term is Payment, while the standard terminology equivalent is Third Party Payment/Stop Order. FNB uses the term Slimline Devices whereas other banks might call them Mini ATMs. FNB uses the term echannels, which refers to FNB Online Banking, Cellphone Banking, Telephone Banking Interactive Voice Response (IVR) and FNB ATMs. FNB s Mobile Channels refer to Cellphone Banking and the FNB Banking App.