Discovery Bank and Vitality Money rewards

All the information you need to manage your Discovery Bank cards. From changing your PIN to applying for additional cards, check out the frequently asked questions, how to guides and Discovery Bank documents and guides.

We believe you deserve to get rewarded for managing your money well. Here's all the information you need to set up your Discovery Bank and Vitality Money rewards and get the most out of them.

Vitality Money

What is Vitality Money?

Vitality Money is our behaviour-change programme that helps you become financially healthier. We'll help you measure and understand your current financial situation, help you improve it, and reward you for your positive behaviour changes along the way.

For more information about Vitality Money see Documents and guides.

What is a Vitality Money status and how is it determined?

Vitality Money is based on improving five controllable financial behaviours. The Vitality Money Assessment measures how you manage each of these five behaviours and you will earn Vitality Money points for each behaviour based on this.

Your total number of Vitality Money points determines your Vitality Money status (Blue, Bronze, Silver, Gold, and Diamond) - and your status determines your rewards.

For more information about the Vitality Money Assessment and the five behaviours it measures, see Understanding the Vitality Money Assessment.

How do I apply for Vitality Money?

You don't have to apply for Vitality Money, as it is automatically available to you if you have a Discovery Bank Transaction Account, Discovery Bank Card Account, or Discovery Bank Suite. To start reaping the rewards and benefits of Vitality Money, activate Vitality Money on the Discovery Bank app.

To activate Vitality Money, you must:

  1. Log in to the Discovery Bank app.
  2. Scroll down to the Vitality Money section and tap Unlock now.
  3. Follow the simple on-screen instruction to set up Vitality Money in minutes.
How do I activate Vitality Money on my Discovery Bank app?

To activate Vitality Money, you must:

  1. Log in to the Discovery Bank app.
  2. Scroll down to the Vitality Money section and tap Unlock now.
  3. Follow the simple on-screen instruction to set up Vitality Money in minutes.
What does Vitality Money cost?

All the tools, benefits and rewards of Vitality Money are available to Discovery Bank clients for a small, mandatory fee which is included in your total monthly fee.

The monthly fee depends on the colour of your Discovery Bank product. Please read here for more on Discovery Bank fees.


Vitality Money Rewards

What determines my Vitality Money rewards?

You get Vitality Money rewards based on a combination of:

  • Whether you have set up Vitality Money on the banking app.
  • Whether you have a qualifying Vitality Health membership (optional).
  • Your Vitality Money status.
  • Whether you have a Discovery Bank Suite, a Discovery Bank Card Account, or a Discovery Bank Transaction Account.
  • Whether your account qualifies for rewards at the time of calculation.
  • Your qualifying Discovery Bank card spend.

For more information on how Vitality Money rewards are calculated, please view or download the Understanding your Dynamic Discounts rewards percentages relevant to your product colour.

What rewards can I get with Vitality Money?

Depending on your unique profile and qualifying accounts, you could qualify for rewards, such as:

  • Dynamic Interest Rates that can:
    • Lower your borrowing rate.
    • Boost your interest rate on positive balances in your transaction and credit card accounts and select savings accounts.

Learn more about your personalised rewards through Vitality Money

What are Dynamic Interest Rates?

Vitality Money lets you control your own interest rates. By managing your money well and improving your Vitality Money status, you can earn better interest rates on select savings accounts and the positive balances in your transaction and credit card accounts. You can even earn lower interest rates for borrowing.

As your status improves you could lower your personalised borrowing rate and boost your interest rate on positive balances in your transaction and credit card accounts and select savings accounts.

For more information on how improving your Vitality Money status can earn you better interest rates, please see Save more and pay less with Dynamic Interest Rates.

What are boosted dynamic lifestyle rewards?

Discovery Bank clients with both Vitality Health and Vitality Money earn boosted dynamic lifestyle rewards.

Your boosted dynamic lifestyle rewards are your total Vitality rewards, which consist of your Vitality Health and Vitality Money rewards combined.

For more information on how boosted dynamic rewards are calculated, please view or download the Understanding your Dynamic Discounts rewards percentages relevant to your product colour.

How are my Vitality Money rewards percentages determined?

For more information on how your Vitality Money rewards percentages are calculated, please view or download the Understanding your Dynamic Discounts rewards percentages relevant to your product colour.

How does my Vitality Money status affect my rewards?

If you improve your Vitality Money status, you can unlock higher rewards. As your financial health improves, so will your Vitality Money status, and your rewards will increase.

To learn more about how to manage and improve your Vitality Money status and get to Diamond status, please see Understanding the Vitality Money Assessment.


Understanding monthly spend

What is qualifying monthly spend?

Vitality Money rewards are linked to how much you spend each month. Monthly spend means any qualifying spend on your Discovery Bank credit card for that calender month. It includes qualifying spend on additional and secondary credit cards.

What is average monthly spend?

For your travel benefits, we look at your average monthly spend over the previous rolling 12 months at the time of booking. If you haven't had a Discovery Bank credit card for that long, we'll look at your average monthly spend over the number of months you've already had your Discovery Bank credit card, with a minimum period required of three months.

If you upgraded to a new Discovery Bank credit card from a Discovery Card that was first issued before the launch of Discovery Bank, we'll include your spend history before upgrading.

What spend qualifies towards Vitality Money rewards?

Your qualifying spend will include local and international straight and budget purchases that have been banked by the merchant, made online or in-store using your Discovery Bank credit card.

What transactions don't qualify towards monthly spend?

Transactions that don't qualify towards spend are:

  • Cash withdrawals
  • Traveller's cheque purchases
  • EFTs
  • Debit orders
  • Budget facility transfers
  • Gambling transactions
  • Health Banking transactions
  • Discovery Pay transactions

Any transaction with the Discovery Bank Transaction Account or Discovery Bank debit card.


Vitality Active Rewards money goal

What are Vitality Active Rewards money goals?

Along with encouraging and rewarding you for getting healthier and driving well, Vitality Active Rewards also encourages and rewards you for saving and spending responsibly with a Vitality Money Rewards money goal.

When you achieve your money goal, you'll get rewarded with a play on the gameboard and a chance to earn Discovery Miles - our one rewards currency that you can spend on a range of exciting rewards of your choice.

For more information on Vitality Active rewards money, exercise and drive goals, please see the Your Vitality Active Rewards goals page.

Where can I find more information on Vitality Active Rewards money goals?

For more information on Vitality Active rewards money, exercise and drive goals, please see the Your Vitality Active Rewards goals page.


Discovery Miles

What are Discovery Miles?

Discovery Miles is Discovery's shared-value rewards currency that you can earn for getting healthy, driving well and spending responsibly.

You can spend your Discovery Miles at a range of in-store and online partners. You can also redeem them to get vouchers with Vitality Active Rewards, spend them on prepaid products and services, use them for travel, exchange them for cash, and more.

How do I earn Discovery Miles?

You can earn Discovery Miles in a number of ways, including:

  1. Getting Discovery Miles from HealthyLiving purchases and Vitality rewards.
  2. Earning thousands of Discovery Miles with Vitality Active Rewards.
  3. Getting rewarded on fuel spend and Uber rides.
  4. Exercising and driving responsibly.
  5. Shopping with your Discovery Bank credit card.

For more information on how and where you can earn Discovery Miles, please see the Discovery Miles page or Discovery Bank's Discovery Miles brochure.

Where can I spend Discovery Miles?

You can spend your Discovery Miles on just about anything, including:

  1. Spending them on Vitality Active Rewards on the Discovery app.
  2. Shopping with them online and in-store at select partners using the Discovery Bank app.
  3. Spending them on travel by using them for flights, accommodation and package bookings.
  4. Converting them to travel rewards from other travel partner programmes.
  5. Spending them on prepaid services and products, such as airtime, data bundles and electricity.
  6. Monetising them by exchanging them for cash, which is paid straight into your Discovery Bank account.
  7. Using them to pay any of your contacts who have a Discovery Miles account with Discovery Bank.

For more information on how and where you can spend your Discovery Miles, please see the Discovery Miles page or Discovery Bank's Discovery Miles brochure.

What are Discovery Miles worth?

You can redeem Discovery Miles at our in-store and online partner network at a rate of 10 Discovery Miles for R1.

You can get even more value from your Discovery Miles when spending them in Vitality Active Rewards where you can get up to 20% off based on your Vitality Health status, or save 15% upfront when redeeming Discovery Miles for prepaid products and services in the Discovery Bank app.

Where can I find out more about Discovery Miles?

For more information on how and where you can spend your Discovery Miles, please see the Discovery Miles page or Discovery Bank's Discovery Miles brochure.


 

 
 
 
 
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