Bank Charges

I joined FNB just over a year ago, and i have been happy thus far until i started going through my statement line item by line item. I recently upgraded from gold to platinum user which is a service fee of R160 a month, which i was told it covers unlimited swipes, unlimited withdrawals,, unlimited online airtime purchases. On Saturday morning, i made EFT and chose the option Clear Now so that the recipient can receive the money immediately, i was charged R40 for that service, but as i type this complaint, the recipient still has not received the money i sent on Saturday, but i was charged for the money to clear immediately . I also discovered that i have been charged for online airtime purchases, R1. something for buying airtime online, whilst i was told that my monthly fee will cover all of that. I ask myself, what is the point of paying R160 a month if i am still going to be charged for things i was told the R160 cover? Am i just paying to hold a platinum card whilst i get charged for all the extras, i am unhappy with the service received from FNB. Please stop with the ****************u