New era for FNB eBucks in South Africa

FNB eBucks, Clicks, and Engen have announced the creation of a single integrated rewards ecosystem across fuel, retail, and banking. 

This ecosystem is the first of its kind in South Africa by bringing together three rewards programmes and brands into one rewards system. 

FNB explained that eBucks rewards members will receive benefits for banking with FNB, refuelling at Engen, and shopping at Clicks simultaneously. 

The three companies have created a multi-partner rewards ecosystem to help households manage the rising cost of living in South Africa. 

“Customers already spend across fuel, health, beauty, pharmacy and household categories, but these purchases are often rewarded separately,” FNB eBucks CEO Pieter Woodhatch explained. 

“This Trio ecosystem brings them together in a single customer value proposition that rewards everyday spending more meaningfully.” 

The system is designed to encourage positive behaviour that delivers greater value to customers across all three brands. 

Customers who fuel exclusively at Engen, shop at Clicks and meet the monthly qualifying spend threshold can earn up to R12 per litre back in eBucks. 

This represents an additional R4 per litre over and above the existing R8 per litre available through current qualifying rewards behaviours.

The spend thresholds range from R650 for FNB Aspire customers to R1,350 for RMB Private Bank customers. It is also exclusive to members who pay using their physical or virtual Credit, Debit or Fusion cards. 

Woodhatch explained that consumer behaviour is reshaping loyalty programmes in South Africa, with individuals now engaging with an average of 10.4 programmes. 

Customers are increasingly consolidating spend with trusted brands and looking for ways to maximise value from routine purchases.

“Customers want greater value from the purchases they make every month, whether that’s fuel, household essentials or managing their finances,” Woodhatch said. 

“We’re seeing growing demand for connected rewards ecosystems that deliver benefits across multiple spending categories rather than isolated transactions.”

The Trio ecosystem

Woodhatch that the Trio ecosystem is a major milestone for eBucks as it brings together three brands to reward customers for everyday spending activities. 

The strength of the initiative lies in the complementary nature of the three like-minded brands and partners.

Clicks contributes to one of South Africa’s largest loyalty programmes, with more than 13 million ClubCard members and over 1,000 stores nationwide. 

Engen brings a network of over 1,000 service stations with more than 1 million transactions per day. 

The partnership with eBucks creates one of South Africa’s largest integrated loyalty ecosystems spanning banking, fuel and retail.

“At Engen, we’re constantly looking for new ways to create more value for our customers beyond the fuel pump,” Engen’s general manager for retail, Enoch Hermanus, said. 

“By partnering with FNB and Clicks, we’re rewarding everyday behaviours through a connected ecosystem that makes it easier for customers to save on one of their biggest monthly expenses.” 

“This collaboration between Clicks, Engen and FNB brings our value-driven partnership model to life, combining our strengths to deliver greater everyday value,” Clicks’ chief marketing officer, Fionna Ronnie, said. 

“It’s another step in making ClubCard more rewarding, more relevant and more valuable every day.”

The Trio ecosystem is part of the evolution of loyalty programmes from standalone rewards offerings into connected ecosystems that give consumers greater value from everyday spending. 

By linking banking, fuel, and retail behaviour, FNB eBucks, Clicks and Engen are rewarding customers across some of the most frequent and essential categories in their monthly budgets.

“Customers are looking for simplicity, relevance and tangible value. The future of loyalty lies in creating connected ecosystems that make everyday spending more rewarding,” Woodhatch said. 

“By bringing together eBucks, Clicks and Engen, we’re creating a more seamless rewards experience that helps customers get more from the purchases they already make.”