The Discovery Bank

Qualifying income more than R2.5 million a year

R644 per month and an annual card fee of R3,500


A uniquely sophisticated banking experience

The Discovery Bank Purple Suite is the perfect choice for the discerning professional accustomed to world-class personalised service, unforgettable travel benefits and experiences, and exceptional rewards.
Your full banking suite is a superior transaction account paired with a state-of-the-art, flexible single credit facility. You pay one monthly fee for all your transactions. You also get access to unlimited free savings accounts and the only Real-Time Forex Accounts available 24/7 on your banking app, at no additional monthly fees.
Sophisticated banking comes with unmatched rewards. Engage with our Vitality Money programme to unlock your personalised shared-value stack of rewards. You can get up to 75% off local and international flights, including an international business class booking. Plus, enjoy free multi-trip international travel insurance, free and unlimited airport lounge access worldwide, and faster security clearance at OR Tambo and Cape Town international airports.
Your account comes with your own relationship banker, access to our exclusive Discovery Purple Servicing channel and our dedicated Discovery Purple Concierge team.
And that's only the beginning.

Get the account that offers you exceptional rewards

Discovery Bank rewards clients with Discovery Miles for getting healthier, driving well and spending responsibly. Discovery Miles is Discovery's rewards currency that's more versatile - and more valuable - than cash, with more ways to earn and spend them than ever before.

For the sophisticated shopper

Up to   75%

back on healthy groceries at Pick n Pay or Woolworths with HealthyFood


Up to   50%

back on personal care items at Clicks or Dis-Chem with HealthyCare, and on baby essentials at Babies R Us, Toys R Us or Dis-Chem Baby City with HealthyBaby

Up to   20%

back on fuel purchases at bp and select Shell service stations, and up to 20% back on Uber rides


Up to   7.5%

back on Bank-Integrated Discovery Life plan premiums


You'll receive 10 Discovery Miles for every R1 reward you earn back.

Earn base Discovery Miles on all qualifying credit card and multicurrency debit card purchases as you spend throughout the month. Plus, earn higher base Discovery Miles when you use a virtual card, depending on your Vitality Money status.

Earn thousands of Discovery Miles every week on the new,
personalised gameboard with Vitality Active Rewards

Your goals

Achieve your weekly Spend, Exercise or Drive goal to unlock Activity tiles of up to –1,500

Your products

Unlock the Discovery tile of up to –750 based on how many Discovery products you have

Your spend

Spend at our grocery, pharmacy and fuel partners to unlock the Partner Spend tiles of up to –1,500 for the chance to earn your largest weekly transactions back

Get up to 30% off when you spend your Discovery Miles:

With a Discovery Bank Purple Suite, you could get up to 15% off when you spend your Discovery Miles throughout the month:

Up to 15% off when you shop with your Discovery Miles at over 40 great online and in-store retail partners. Plus, this doubles to up to 30% off for 24 hours on Miles –-Day on the 15th of every month
Up to 15% off when you use your Discovery Miles to buy airtime, data or prepaid water and electricity on the banking app
Up to 15% off when you spend them on a range of exciting rewards in the Vitality Mall

You can also:

Spend your Discovery Miles on flights, holiday accommodation and car hire
Exchange your Discovery Miles for cash
Or send them to your contacts with a Discovery Miles Account

Save more and pay less with Dynamic Interest Rates

As a Discovery Bank client, you can control your interest rates with your Vitality Money status through Dynamic Interest Rates. With a Discovery Bank Purple Suite, you can get:

Up to 2.5% interest on your positive balances in your everyday accounts.

Up to 7.25% interest on demand savings accounts.

Up to 7% less interest on your borrowing rate.

Get an Apple Watch on us

Get a new Apple Watch from iStore with Discovery Bank and Vitality, and fund it in full by reaching your weekly Vitality Active Rewards Exercise goals over 24 months.

For the discerning traveller

Vitality Travel is the first-of-its-kind, one-stop travel booking platform in South Africa that you get exclusive access to with Discovery Bank.

Enjoy unprecedented discounts on a wide range of local and international flights, holiday accommodation, car hire and exciting travel experiences.

Travel benefits and services
  • You can now book your discounted local and international flights in the Discovery Bank app - tap, tap, fly!
  • Access to a global concierge service to assist with travel planning, securing entertainment tickets and more
  • Free multi-trip international travel insurance with flight tickets purchased using your Discovery Bank Purple cards
  • International cover for rental car collision damage
  • The ability to make purchases and cash withdrawals worldwide, wherever Visa is accepted
Up to  75%
off local flights

Get 10% to 75% off six one-way local flights with our partner airlines, plus an unlimited 10% off afterwards

Up to  75%
off international flights

Get 10% to 75% off two economy or premium economy class, or one business class bookings for regional or international flights with our partner airlines, plus an unlimited 10% off on economy or premium economy flights afterwards

Up to  25%
off holiday accommodation
and car hire

Get 10% to 25% off unlimited local accommodation and car hire

Plus, use Discovery Miles to pay for thousands of non-discounted local and international listings on Vitality Travel through

Up to  15%
back on your next beach holiday, cruise or city adventure

Get up to 15% cash back on Dream Destinations travel experiences with Contiki, Royal Caribbean International and World Leisure Holidays


Enjoy The Lounge, a partnership between Discovery Bank and SAA at OR Tambo, Cape Town and King Shaka International Airports. Get unlimited* domestic departure and international departure visits a year for you and your guests.

You'll also receive unlimited access to over 1,200 airport lounges worldwide with LoungeKey.

Plus, get faster security clearance with Discovery Bank Priority Fast Track at OR Tambo and Cape Town domestic departures, and at OR Tambo International arrivals passport control.

*If you have an average monthly spend of at least R20,000 per month. Otherwise you will receive complimentary access for 2 domestic visits and 1 international visit.

Love the comforts of your own home? You can also choose to use the Purple home technology benefit instead of your international flight benefit. Get up to 50% off premium Apple, Samsung or Technogym purchases to transform your home office, cinema or gym.

To access the Purple home technology purchase benefit, or to keep enjoying your exclusive international business class flight benefit, you must maintain an average monthly positive balance of at least R250 000 across all your qualifying accounts.

Improve your finances with Vitality Money

When you join Discovery Bank, we help you review your financial health based on five key financial behaviours and you get a Vitality Money status based on this. Your Vitality Money status gives you a good indication of how well you are managing your finances.

Not only that, but your Vitality Money status is also directly linked to what rewards you can earn. That's why we'll show you the steps to improve your status and give you access to tools like our Vitality Money Financial Analyser, which uses advanced analytics to give you intelligent insights and personalised alerts to help you become better with your money. As your Vitality Money status improves, so do your rewards.

More on Vitality Money

Improve your Vitality Money status with wealth points

You can earn between 20 000 and 80 000 wealth points if you have R5 million or more in savings and investments. This means that, with a significant amount of investible assets, you could reach Gold Vitality Money status in no time.

Get the only Real-Time Forex Accounts

You can quickly and easily open our Discovery Bank Forex Accounts, available in British Pounds, Euros and US Dollars, 24/7 on the Discovery Bank app.

Get real-time rates and immediately start saving and transacting in the foreign currency of your choice. Plus, you pay no fees when you transfer and convert between your foreign currency and Rand accounts, and we'll help you manage your foreign currency allowances too!

Add your free virtual card on the banking app and link it to your smart device for fast on-the-go payments while you travel outside South Africa or order a physical debit card for cash withdrawals abroad.

Plus, as a valued Discovery Bank Purple Suite client, you pay no monthly fees for your forex accounts.

Open. Convert. Save. Pay. In seconds.

What features to expect with your Discovery Bank

World-class service
  • A relationship banker for a truly personalised banking experience
  • Access to Discovery Purple Servicing - an exclusive channel to help you with your rewards, banking products and any other Discovery Group products
  • Access to a dedicated Discovery Purple Concierge team, equipped with contacts and resources to help you secure last-minute gifts, travel arrangements, dinner reservations and so much more.
An advanced and intuitive banking app
  • Add more or upgrade your accounts
  • Manage your cards, PINs and limits
  • Check your account balances
  • Track and improve your dynamic lifestyle rewards
  • View your Dynamic Interest Rates
  • Transfer funds between accounts
  • Manage and spend your Discovery Miles
  • Make international payments in over 60 currencies
  • Track foreign currency allowances
  • Set up beneficiaries
  • Set up debit orders
  • Increase credit limits
  • View and export transaction history
  • Use Smart Search to find transactions
  • Save important receipts and documents with Smart Vault
  • Make online payments and EFTs
  • Get immediate in-app help from a Discovery Banker with Live Assist
  • And much more!
Comprehensive banking benefits
  • A transaction account for managing your day-to-day banking needs and a credit card account with up to 55 days of interest-free purchases on select credit card transactions
  • Unlimited free Discovery Bank virtual cards to start using immediately after joining
  • A single credit facility to split between your credit card and overdraft as you like
  • Get an effective borrowing rate of up to prime -1%
  • Access secured credit from R250,000 to R5 million with your qualifying investments with Discovery Invest
  • Save and transact in US Dollars, British Pounds and Euros with your complimentary Real-Time Forex Accounts
  • Instantly settle medical co-payments at pharmacies like Clicks and Dis-Chem, hospitals and medical service providers with Health Pay
  • Make on-the-go payments with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, Samsung Pay and SwatchPAY!
  • Pay any of your contacts who are Discovery clients, using just their cellphone number
  • Withdraw cash at a till point at Checkers, Pick n Pay, Shoprite and selected Spar stores
  • Make deposits at Boxer, Checkers, Pick n Pay and Shoprite stores
  • Get free transaction notifications and monthly account statements
  • Choose from a range of unlimited, free savings account options, with personalised interest rates for large deposits
  • Access a range of Vitality Money tools to help you manage and improve your financial health
  • 30 free real-time payments using Discovery Instant Pay or PayShap to other South African banks, available 24/7.
Enhanced security features
  • Advanced facial-recognition technology when logging in to the banking app
  • Discovery Bank Purple cards use secure chip and PIN technology
  • Your card can make fast and secure tap-and-go payments
  • Secure tap-and-go payments with smart devices that support Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, Samsung Pay and SwatchPAY!
  • Additional security with Verified by Visa and Visa Checkout for online purchases
  • Greater shopping convenience and security when shopping online with Discovery Bank virtual cards.
A Discovery Miles Account
  • View, track, manage and spend your Discovery Miles
  • Generate vouchers for in-store payments
  • Purchase airtime, data, and prepaid water and electricity
  • Exchange your Discovery Miles for cash
  • Send Discovery Miles to your contacts.
Free cover
  • Automatic warranty extension of up to 24 months and short-term protection against theft and accidental damage of purchases made with your Discovery Bank Purple card.

Banking fees for the Discovery Bank Purple Suite

With a Discovery Bank Purple Suite you have a monthly fee of R644 and an annual card fee of R3,500. Your monthly fee includes your monthly account fee, your Vitality Money premium, your single credit facility fee, most transaction fees and more. After that, you transact and only pay for what you use. For more details on your banking fees, please see the fees guide.

Rewards are based on your engagement in Vitality programmes, Discovery products, and monthly qualifying card spend. Discovery Bank, Auth FSP. Limits, terms and conditions apply.

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