Are ebucks really worth it anymore?

FNB's latest Ebucks changes pretty much sums up where they are going as a bank. The latest calculation of my ebucks points, shows that I did not deposit or perform any transactions on my FNB account, despite having more than 10 debit orders coming out my account and deposits exceeding their minimum requirements.

Further to this, I used the FNB App to increase the life insurance to the required R2million rand cover. FNB acknowledged receipt of the application though secure chat (which is now deleted automatically). I didn't hear from FNB subsequently and then see that my life cover debit order comes out as normal at the end of the month, with cover not changed. Fastrack, and EBucks then dropped my level to level 2 (It should have been 4) because of this. Ran another application today and again accepted it. Again the secure message has been received which I screenshot this time. The quote is not in the quote sections of the APP.

Called insurance who started talking about changing the existing cover. (Which you cant do on the app). They mentioned that 2 applications were received before the line cut off. Called again, and asked to speak to a manager. Was transferred to the funeral cover department.

IT makes me question the value of ebucks. If you look carefully, you will notice that the number of spend partners has decreased. At the same time, the items which could be discounted has been decreased with the strict earn criteria. Alarmingly, they don't take responsibility for bugs in their system which prejudices client earning.

PUBLIC BE WARNED: This is my second bad experience with FNB insurance. Ebucks is being used as a tool to acquire business for a poor product that FNB des not appear equipped to manage. In an emergency with my car, where it broke done, FNB could not provide assistance and I ended up using TRACKERs service to get moving again.

IF this is how FNB Insure handles things when I am alive, how will they handle things when their service is required? Its making me consider moving my life insurance, vehicle insurance, vehicle finance and some of my aco****s. The risk appears to be very high with the single service provider who is not performing.