Smart Account - Frequently Asked Questions

Smart Account customers can qualify for Airtime & Fuel Rewards.

2. What is Smart Account Airtime & Fuel Rewards?

It is a Rewards Programme that allows Smart Account customers to get up to 15% back on Prepaid Airtime purchased through FNB electronic channels or up to 15% back on their Fuel spend (customer must use their Personalised Cheque Card to pay for Fuel at Point of Sale). The Reward is paid to customers in the form of Free Prepaid Airtime once a month, and is accessible via FNB Cellphone Banking (accessed by dialing *130*321#).

3. What is the cost to you?

There is no cost to you, however you are required to meet a number of qualification and earn criteria.

4. How is the Reward determined?

If you meet the qualification criteria, your behaviour and product holding will determine your Earn Rate for the month. Your Earn Rate will be applied to the maximum of your qualifying Prepaid Airtime or qualifying Fuel spend for the month, to determine your Reward (so your Earn Rate will be applied to the higher of your qualifying Airtime spend or qualifying Fuel spend for the month, not both).

For more detailed information on how the Rewards work, click here

5. How will my Reward be calculated?

If you would like to view the Airtime & Fuel Rewards Calculator for Smart Account customers, to calculate your expected Earn Rate and Rewards, click here

6. When are Rewards calculated?

Rewards are calculated at the end of every month, based on your Prepaid Airtime spend and Fuel spend during the month, your banking behaviour during the month and Product Holding during the month.

7. Can I earn both Airtime and Fuel Rewards?

No, you can only earn Airtime or Fuel Rewards. Each month we determine which spend category has the highest qualifying spend and then reward you on your highest qualifying spend. So for example, if your Qualifying spend is higher on Airtime than Fuel, then you will be rewarded on your qualifying Airtime spend.

8. Can I have a different 'Earn Rate' for Airtime Rewards and Fuel Rewards?

No, you will be rewarded on the same 'Earn Rate' % for Airtime and Fuel Rewards. So if your Earn Rate is 5%, you will get 5% back on your qualifying Airtime spend or qualifying Fuel spend (i.e. whichever is higher).

9. When are Rewards paid out?

Customers will be able to redeem their Free Airtime (the Reward) by approximately the 8th of every month via the Cellphone Banking menu options (Dial *130*321#).

10. When do my Airtime Rewards expire?

Your Free Airtime will expire before the 8th day of the following month.

11. Which FNB electronic channels can I use to buy Prepaid Airtime to qualify for Airtime Rewards?

You can purchase Prepaid Airtime through FNB Cellphone Banking, FNB Online Banking, FNB ATMs and the FNB Banking App.

12. Will my airtime purchased at other vendors besides FNB qualify for Airtime Rewards?

No, only airtime purchased using your Smart Account through FNB electronic channels will qualify for Airtime Rewards

13. At which fuel retailers will I qualify for Fuel Rewards?

You can earn Fuel Rewards when you purchase fuel at any fuel retailer using your Personalised Cheque Card. FNB cannot be held responsible should a fuel retailer refuse to accept your Personalised Cheque Card for payment, and if, for whatever reason, the fuel retailer does not accept the abovementioned card, you will not earn any Fuel Rewards for that transaction. You will also not earn any Fuel Rewards for the transaction if FNB cannot identify a qualifying transaction, at the time the transaction is processed by the fuel retailer, due to the fuel retailer not processing the transaction as a fuel transaction correctly (this means FNB cannot identify the transaction as a fuel transaction and we therefore cannot reward Fuel Rewards for this transaction, irrespective of whether the FNB customer can establish after the fact that it was indeed a fuel transaction.)

14. What is inContact?

inContact is FNB's free messaging service that notifies you by sms or email of transactions that have been processed through your account. This serves as a fraud prevention measure, as well as assists you in tracking your spending and account balances. To find out about registering for inContact, click here

15. Does the required total monthly deposit amount of R1,000+ per month need to be deposited at once, or can the deposits come in throughout the month?

The credits to your account can be deposited throughout the calendar month.

16. Why do I have to give FNB permission to market to me to qualify for Airtime & Fuel Rewards?

If you have previously chosen not to receive marketing communications on new products and services from FNB, you can change your Marketing Consent Indicator.

FNB needs to be able to communicate with you about its loyalty and product offerings, including information about the Airtime & Fuel Rewards programme.

To update your Marketing Consent, you can either: