FNB eBucks Rewards now sucks!

FNB's revamped eBUCKS rewards is now a slap in the face and an insult to us clients. It has become more difficult to reach top tier 5, and the reward values have decreased for many of the products. It seems that you need to have many, if not all, of the bank's products to achieve tier 4 or 5 level; You need to switch your RA to FNB, have car finance with FNB, take an insurance with them etc. Furthermore, their rules are all so confusing now, with the bank always using the word "qualifying" everywhere, so that you are not aware whether you actually qualify or not. FNB eBucks is now only for the wealthy and not for any loyal customer; the more products you have with them, the better are your chances of moving up tiers. FNB, why don't you listen to the consumers and just make a simple eBucks programme, with good rewards, that are for everybody (and not only for the wealthy). Lastly, the rewards programme monitors you monthly, so that if you do not "perform well" in that month, you are immediately downgraded. This is unfair "micromanagement" of clients and forcing/influencing client behaviour to use only FNB products regularly. This increases anxiety and mental stress with clients who want to ensure they maintain or move up to the highest tier. Play a fair game FNB!