@jr54669 It's very behaviour driven. If you currently have the behaviour that would earn the reward, then it's worth it.
If you need to make a small change to move up a reward level, or earn more rewards, still worth it - eg use the banking app x number of times, only fill at Engen, shop at checkers to maximise earn, do some random activity on the app currently being driven by the bank like set up a budget, view my credit status etc. All these things are not costing me anything and I REALLY maximize my earn.
If you need to take on a product that would earn you more points to move up a level (if the above isn't enough) then consider if you actually need it. Funeral cover, life insurance etc are good to have if you can afford it, but if the premium is going to be more than the extra earn and you're actually going to feel the expense , then maybe think twice
Then there are some products that help you earn more points/rewards, but it's not something you would actively take up JUST for eBucks unless you have a need for said product, eg a Home Loan or Vehicle Finance.
Most of us that are earning a lot of eBucks tend to have these products to boost our points to level 5 so that our spend behaviour earns the maximum eBucks every month. It's still possible to get to level 5 without taking up products that would cost you more.
That being said, I earn on average R32k (Rands) in eBucks every year, and get another R7k or so in other benefits (Starbucks, Kauai, Slow Lounges etc). Definitely worth it for me since there's no way I spend more than R40k in fees a year LOL