Premier Select Cheque Account and Premier Credit Card
Transcription
Premier Select Cheque Account and Premier Credit Card
Premier Select Cheque Account and Premier Credit Card Pricing Guide 1 July 2015 - 30 June 2016 First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). Premier Select Cheque Account R75 p/m As you mature into the next stage of life, FNB is mindful of the change in your needs and your lifestyle. The Premier Select portfolio offers you an array of banking, savings and short-term insurance products and services for clients aged 55 Bank •• Access to a dedicated team of Premier Bankers to cater to your day-to-day banking needs, reducing your need to go into a branch •• Unlimited FREE swipes when you use your Premier Cheque Card to pay •• Draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills FREE of fees •• FREE subscription to inContact. This means we’ll SMS you every time more than R 100 goes out of – or into – your account •• FREE subscription to FNB Cellphone Banking, Online Banking, Telephone Banking and the FNB Banking App. You only pay for the data you use •• FREE emailed monthly statements and over, tailored just for you. To be eligible for a Premier Select Account, you need to earn an income of R 350 000 R 749 999 per year. Save •• Bank for FREE when you maintain a minimum balance of R 20 000 in your Cheque Account •• Earn interest per annum on positive balances in your Premier Select Cheque Account •• A FREE Linked Savings Account that earns you preferential interest rates exclusive to Premier Select clients •• 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 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 paid 15% of your original loan amount •• Overdraft access that is FREE of initiation fees. You only pay for it when you use it FREE emailed monthly statements Draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills FREE of fees FREE subscription to inContact. We’ll SMS you every time more than R100 goes out of - or into - your account Earn eBucks for doing everyday things like paying with your card Live •• FREE delivery of your Premier Cheque Card to your home or office •• FREE Comprehensive Global Travel Insurance, keeping you covered for local and international travel when you purchase your air ticket(s) using your Premier Cheque Card •• FREE subscription to eBucks Rewards* •• The ability to earn eBucks for swiping your card, shopping online, shopping internationally, shopping at Checkers & Shoprite, filling up with fuel, using Uber domestically, having an FNB Connect contract, purchasing FNB Connect prepaid airtime, purchasing other networks’ prepaid airtime and prepaid electricity electronically through FNB or when you send or receive foreign currency through FNB Forex •• Earn up to 1% back in eBucks when you swipe your Premier 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 & Shoprite with your Premier Cheque Card •• Earn up to 40% back in eBucks on your qualifying FNB Connect contract or when purchasing FNB Connect prepaid airtime •• The freedom of spending 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! •• Get up to 100% discount on your Uncapped ADSL Data subscription through FNB Connect •• Access to the latest smartphone, tablet or laptop at discounted prices over a 24-month period with 0% interest •• The drafting and registering of your Trust Deed •• Access to SLOW Domestic Lounges and SLOW International •• Access to SLOW in the City To best optimise your eBucks earnings, having a Premier Select Cheque Account in conjunction with a Premier Select 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 www.eBucks.com. ** Discounts exclude all taxes. FNB is able to offer you, as a Premier Select client, the Comprehensive Pricing Option. Comprehensive Pricing Option FNB’s Comprehensive Pricing Option offers Select clients the opportunity to bank for FREE. If you are able to maintain a balance of R 20 000 or more in your cheque account at all times, you will receive the following monthly benefits: •• Pay no monthly account fee •• Unlimited FREE qualifying electronic transactions using Online Banking, Telephone Banking and the FNB Banking App for transactions like debit orders, card purchases, payments and transfers •• Draw cash at selected Shoprite, Checkers, Pick n Pay, Spar and Boxer store tills FREE of fees •• Six FREE FNB ATM withdrawals •• One FREE FNB ATM cash deposit •• A combination of ten FREE branch, cheque and Telephone Banking transactions For fees relating to the previously available Unlimited and Standard Pricing Options, please log in to FNB Online Banking and refer to your 2015/2016 pricing letter. To switch to the Comprehensive Pricing Option or for more information, call 087 575 9404 or visit your nearest FNB branch. Monthly Fees Premier Cheque Account R 75.00 Minimum Balance for Monthly Account Fee to be waived R 20 000 Monthly Overdraft Fee (only pay when you use R 200 or more of your overdraft) R 57.00 Rebate on monthly overdraft Fee (when you have not used more than your overdraft limit) R22.00 Subscription to inContact, Online, Cellphone, Telephone Banking and FNB Banking App FREE Your Monthly Account Fee will also include Card Purchases* FREE Prepaid Purchases using electronic channels FREE Electronic Payments and Transfers FREE Debit Orders FREE Cash Withdrawals at Cash@Till™ FREE FNB Slimline Withdrawals FREE Linked Savings Account (Savings Pocket) FREE *2.75% Commission and Currency Conversion Fee charged on International Card Purchases If you are able to maintain the minimum balance of R20 000 in your cheque account, you will also receive the following FREE transactions Transaction Type Number of FREE Transactions per month A combination of FNB Branch, Cheque and Telephone Banking Transactions* 10 FNB ATM Cash Withdrawals 6 Cash Deposits at FNB ATM 1 *Excludes deposits performed at FNB Branches Please note that any transactions not included or in excess of the limits above will be charged for as per the table below Other fees Monthly fees Petrol Card R 15.50 Cash Withdrawals FNB ATM R 3.95 + R 1.30 per R 100 Other Banks' ATM R 10.45 + R 1.30 per R 100 International ATM (Additional 2.75% Commission and Conversion fee applies) R 50.00 FNB Branch/ Cheque R 50.00 + R 1.65 per R 100 International Branch (Additional 2.75% Commission and Conversion fee applies) R 50.00 + R 1.65 per R 100 Linked Account Transfers Into linked Savings Account (Savings Pocket) FREE Telephone Banking (Consultant Assisted) R50.00 FNB Branch R50.00 Payments Telephone Banking (Consultant Assisted) R50.00 FNB Branch & Cheques issued R50.00 Bank Cheque R 90.00 Cancel Debit Order (Stop Payment) Online or Mobile Channels R 5.00 Telephone Banking (Consultant Assisted) R 17.50 Branch R 50.00 Scheduled Payment Related (Establishment and Amendment) Online FREE Branch R12.00 Deposits Cash Deposit at FNB ATM R 0.70 per R 100 (Min R 5.50) Cash Deposit at FNB Branch R 1.65 per R 100 (Min R50.00) Cheque Deposit at FNB Branch and ATM R 30.00 ENC Upliftment Fee and Special Clearance R 100.00 Prepaid Airtime Purchases Other Prepaid Airtime using eChannels & Mobile Channels R1.10 Other Banks’ ATM or Telephone Banking (Consultant Assisted) R9.00 Other Banks’ ATM R9.00 Balance Enquiries Using eChannels & Mobile Channels FREE Point-of-Sale R 1.50 Other Banks ATM, International Point-of-Sale, Branch or Telephone Banking (Consultant Assisted) R 5.00 *A service fee charged for each payment honoured where there is not enough money in your transactional account. Statements Current Month Emailed Statement FREE Cellphone Banking Mini Statement FREE FNB ATM Transaction List R 3.00 Posted Statement R 13.00 (per statement) Historical Statements older than 3 months - Online Banking R 6.00 (per statement) Emailing of Statements - Branch and Telephone Banking R 13.00 (per statement) Printing of Statements - Branch and Telephone Banking R 13.00 (per page) Unsuccessful Transactions (Insufficient Funds) FNB ATM FREE Point-of-Sale, Scheduled Payment,EDO and Other banks’ ATM R 8.00 Insufficient funds fee (Returned item Cheque or Debit order) R 60.00 for the first three items, thereafter R138 per subsequent item within 12 months Payment Honouring Fee* (Value of payment R 0 – R 1 000) R 50.00 per Item Payment Honouring Fee* (Value of payment R 1 000.01 +) R 75.00 per Item Card Replacement Fees Visa Cheque Card/ Chip & PIN Card R 120.00 FNB Petrol Card R 120.00 Credit Fees Monthly Revolving Loan Fee R 57.00 Cheque Book Fees Pocket 40 Form R 50.00 Copies of Vouchers (Deposit Slips and Cheques) Online Banking FREE Branch and Telephone Banking (Consultant Assisted) R 50.00 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 40.00 Cardless Cash Withdrawals R 5.00 Send Money Send Money to an eWallet R 9.50 Reversal of Send Money to eWallet R 25.00 Send Money to Zimbabwe/ Mozambique Value: R20.00 - R1 000.00 R 45.00 Value: R1 000.01 - R2 000.00 R 70.00 Value: R2 000.01 - R3 000.00 R 105.00 Additional Statements (Fee per Month) Online Paper Daily R 48.00 Weekly R 22.00 Twice Monthly R 12.00 Daily R 100.00 Weekly R 40.00 Twice Monthly R 20.00 Electronic Subscriptions Services (fee per month) My Limit Alert Scheduled Payment Alert R3.00 Balance Alert (fee per month) Monthly R 1.00 Weekly R 3.00 Daily R 15.00 Payment Notifications Email R 0.74 SMS R 1.15 Fax R 5.50 Other Fees Card Courier Fee FREE Cheque Book Courier R 200.00 Online Banking Password Reset Telephone Banking (Consultant Assisted) R 4.60 Wrongfully Disputed Debit Order Fee (if disputed after 40 days and valid agreement exists) R 130.00 Optional Roadside Assistance R 6.00 Online Banking Payment history (older than 3 months) R 4.60 Online Banking Account Verification Fee (FNB and other banks’ accounts) R 4.60 Premier 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 Premier – 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 client-centric context, you Bank •• Access to the 24/7 Premier Suite 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 FREE swipes when you use your Premier Credit Card to pay •• FREE subscription to inContact. This means we’ll SMS you every time more than R 100 goes out of – or into – your account •• FREE subscription to Online Banking, Cellphone Banking, Telephone Banking and the FNB Banking App •• FREE balance enquiries using Cellphone Banking, Online Banking and the FNB Banking App •• FREE emailed monthly statements •• FREE lost card protection and PIN replacement •• FREE 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 •• FREE 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 get to imagine and innovate in your everyday life – as well as initiate change in the world around you. You can best do this with an FNB Premier Credit Card. Save •• Personalised and competitive debit interest rates based on your personal risk profile Borrow •• Up to 55 days interest-FREE credit •• Personalised and competitive debit interest rates Live FREE emailed monthly statements FREE delivery of your Premier Credit Card to your home or office FREE 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 •• FREE delivery of your Premier Credit Card to your home or office •• FREE Comprehensive Global Travel Insurance, covering you locally and internationally, when you purchase your return travel ticket(s) using your Premier Credit Card •• FREE AA Emergency Roadside Assistance with a linked Petro Card •• FREE Take Me Home, a designated driver service on your linked Premier Petro Card and standalone Petro Card •• FREE subscription to eBucks Rewards* if you hold an FNB Premier Cheque Account and a Premier Credit Card •• 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 Premier •• •• •• •• •• •• 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 & Shoprite with your Premier 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 To best optimise your eBucks earnings, having a Premier Cheque Account in conjunction with a Premier 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 www.eBucks.com. **Discounts exclude all taxes The Bundled Pricing Option on your Premier 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). Premier Credit Card Fees Fees per month Credit Card Monthly Account Fee R 58.00 Credit Facility Service Fee R 11.00 Additional Card Fees (per card linked to account) R 14.50 Linked Petro Card (per card linked to account) R 25.00 Initiation Fee (once-off) R 150.00 Standalone Petro Card Fees Fees per month Credit Card Monthly Account Fee R 31.50 Credit Facility Service Fee R 11.00 Additional Card Fees (per card linked to account) R 13.50 Initiation Fee (once-off) R 150.00 •• 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 Fees Credit Card Purchases FREE Credit Card Budget Purchases FREE 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 3.95 + R 1.30 per R 100 Other Banks' ATM R 6.50 + FNB ATM Fee FNB Mini ATM R 3.95 + R 1.30 per R 100 Branch (includes all Financial Institution Branches and the Purchase of Foreign Exchange) R 50.00 + R 1.65 per R 100 Cash on Budget R 50.00 + 2.50% of withdrawal value International*(ATM and Branch) R 30.00 + R 1.65 per R 100 Deposits Fees Cheque Deposits R 27.50 FNB ATM with Automated Deposit Terminal (ADT) R 0.70 per R 100 (R 5.50 minimum) Cheque Clearance Fee R 265.00 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 Fees IVR Smart Transfer to FNB FREE Linked Account Transfers R 3.50 Third Party Payments R 7.00 Telephone Banking (Consultant Assisted) R 50.00 Transfers and Payments at Branch R 50.00 Voucher Retrieval Requests Fees per month Local R 85.00 International R 265.00 Other Fees Fees Declined Transaction Fee R 8.00 Bank Cheque Administration Fee R 80.00 Card Replacement Fee (per card) (standard 3-day delivery) R 120.00 Fast-track Card Replacement Fee (per card) (24-hour delivery on request) R 400.00 Card delivery to nearest FNB Branch FREE Card courier personal delivery FREE Section 129 Letter Fee R 59.79 Credit Card Monthly Rewards Fee R 16.50 per month Convenience Fees Fees Send money to an eWallet (R 20 - R 3000) R 9.50 Reversal of incorrect "Send money to FNB eWallet" transaction R 25.00 Cardless cash withdrawal R 3.00 + 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 www.fnb.co.za 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 Client Enquiries on 087 575 1111 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. terms and conditions with the applicant. omission is found. If there is disagreement between the •• You must apply for each facility If we do this, though, we’ll give you at least 20 business days’ notice of be held responsible if an error or or product individually. •• The grant of any facility or product is product or facility-specific terms and to, standard network rates apply. pricing guide, we’ll follow the product •• All fees quoted are VAT inclusive subject to you meeting the qualifying or facility-specific terms and conditions on www.fnb.co.za or on FNB ATMs. criteria of that product or facility. that apply to such a facility or product. •• Each facility or product has a set of “per R 500” include parts thereof. •• When Cellphone Banking is referred conditions and what’s outlined in this these changes. You’ll find changes •• We strive to keep the information •• Fees quoted “as per R 100” or •• The Bank reserves the right to and are effective from 1 July 2015 to 30 June 2016. •• The fees included here are not all of provided in the pricing guide as terms and conditions for that specific change the features of any product FNB’s fees. For all the fees on this accurate as possible, and we will not facility or product. We agree on these or facility at any time. account, please go to www.fnb.co.za. 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 that other banks may use. So, FNB’s term – as per FNB uses the term “eChannels”, which refers of other banks, we have, as far as possible, used this pricing guide – is “Card Purchase”, while the to FNB Online Banking, Cellphone Banking, standard terminology throughout this pricing standard terminology is “Card Transaction”; FNB’s Telephone Banking Interactive Voice guide. This is in line with Section 13 of the term is “Payment”, while the standard terminology Response (IVR) and FNB ATMs. FNB’s “Mobile Code of Banking Practice (COBP). In the case equivalent is “Third Party Payment/Stop Order”. Channels” refer to Cellphone Banking and the where we’ve used FNB-specific terminology, FNB uses the term “Slimline Devices” whereas FNB Banking App. we’ve added this here showing the wording other banks might call them Mini ATMs.
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