Disappointment with FNB and PicknPay Partnership – Serious Decline in Value

I am extremely unhappy and frankly very irritated with the new FNB and PicknPay partnership. The eBucks Rewards system used to be a real asset when FNB was partnered with Checkers. It worked seamlessly and provided great value. Now, with the forced shift to PicknPay, the experience has turned into a frustrating and expensive mess.

When FNB partnered with Checkers, the value was unbeatable: -For just R99/month, I had unlimited free deliveries through the 60/60 app. -I also received 10% off a once-off in-store purchase (up to R200). -It was convenient, flexible, and actually rewarding.

Now, with PicknPay: -I am charged R35 per delivery on the ASAP app. -Deliveries are limited to just 35 items, which makes monthly or bulk shopping impossible without racking up delivery fees. -To offset that, the TakealotMORE subscription (also R99/month) includes PicknPay ASAP deliveries (via the Mr D app), but if I use that route, I earn zero eBucks. Why punish customers for trying to save?

As a result, my eBucks rewards plummeted — from 12,373 to just 1,436. That is a massive loss for doing the same shopping I did before. How does that make any financial sense?

To make matters worse, PicknPay ASAP forces a minimum tip of R20, R40 or R80. There's no custom tip option — not even R10 — which feels excessive and restrictive, especially on top of the delivery fee.

This entire shift feels like a downgrade masked as an improvement. It is unfair to loyal FNB customers who optimised their spending habits to make the most of the eBucks ecosystem. At this point, I genuinely miss the Checkers partnership, and I am now seriously considering switching to Standard Bank or another institution that respects customer choice and offers real, tangible value.