Travel benefits and 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.

Go exploring with Discovery Bank travel benefits and rewards.

Vitality Money flight rewards

What flight rewards can I get with Vitality Money?

With Vitality Money, you can get upfront discounts of up to 40% on local and international flights (base fare and YQ tax) based on your Discovery Bank product, Vitality Money status and qualifying spend. You can boost this flight saving to up to 75% with Vitality Health. These upfront discounts apply to the cost of the flight when booking.

For more information on how we calculate Vitality Money upfront flight discounts, please view or download the Understanding your Dynamic Discounts rewards percentages relevant to your product colour.

What Vitality Money rewards can I get on local flights?

With Vitality Money, you can save up to 40% on a local return flight (base fare and YQ tax) with British Airways and kulula.com based on your Discovery Bank product, Vitality Money status and qualifying spend. You can boost this saving up to 75% with Vitality Health. These upfront discounts apply to the cost of the flight when booking.

For more information on how we calculate Vitality Money upfront flight discounts, please view or download the Understanding your Dynamic Discounts rewards percentages relevant to your product colour.

What Vitality Money rewards can I get on International flights?

With Vitality Money, you can save up to 40% on a return international flight (base fare and YQ tax) with British Airways, Emirates and Qantas based on your Discovery Bank product, Vitality Money status and qualifying spend. You can boost this saving up to 75% with Vitality Health. These upfront discounts apply to the cost of the flight when booking.

For more information on how we calculate Vitality Money upfront flight discounts, please view or download the Understanding your Dynamic Discounts rewards percentages relevant to your product colour.

How are flight rewards determined?

For more information on how we calculate Vitality Money local and international flight rewards, please view or download the Understanding your Dynamic Discounts rewards percentages relevant to your product colour.

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 Discovery Bank from a Discovery Card that was first issued before the launch of Discovery Bank, we'll include your spend history before upgrading.


Before you travel internationally

Do I have to activate my Discovery Bank card for international use?

No, your Discovery Bank card is already preauthorised for international use so you don't have to activate it to work overseas.

Must I let Discovery Bank know if I am travelling abroad?

Yes, you need to let Discovery Bank know where you are travelling and which dates you will be there.

For security purposes, Discovery Bank could decline international transactions that may look like fraud or out of the ordinary transactions. By letting us know that you will be travelling to a different country, we can note it on our system and make sure that we do not decline transactions made by you.

To let us know that you are travelling, call us on 0800 07 96 97.

How do I get a Confirmation of Funds letter from Discovery Bank?

You can request a Confirmation of Funds letter by simply calling Discovery Bank on 0800 07 96 97.

Remember to have the following information on hand when you call:

  • The embassy or consulate's name and address.
  • Your full name and passport number.
  • The account details you want us to display on the letter.

Banking while travelling internationally

Can I load foreign currency on my Discovery Bank card?

No, your Discovery Bank card is not a currency card, so you can't add a different currency to it. However, you can pay for transactions by swiping your card while travelling abroad, as well as withdraw foreign currency in cash from most Visa ATMs worldwide.

Can I use my Discovery Bank card at ATMs abroad, and what does it cost?

Yes, you can withdraw local currency from Visa ATMs worldwide. The set Discovery Bank fee for international withdrawals is R65 for each withdrawal. The Discovery Bank Black and Purple Suites and Discovery Bank Black Transaction Account (bundled fee) offer unlimited free withdrawals worldwide.

Remember that certain international ATMs might charge an additional fee when you withdraw cash. Make sure that you check the ATM for this information before you use it. The exchange rate at the time applies, and we charge you a standard currency conversion fee of 2.75%. Check the Banking fees guide for more information on fees for international withdrawals.

What does it cost to swipe my Discovery Bank card when travelling abroad?

International point-of-sale swipes are free for all cardholders, but we charge you a standard currency conversion fee of 2.75%. Please note that there is a fee for international cash withdrawals.

Check out the Banking fees guide for more information on fees for international withdrawals.

Who do I contact if there are fraudulent transactions on my card while travelling abroad?

To report fraud on your Discovery Bank card, you can contact Discovery Bank on +27 11 324 4444. This number has a 24/7 service.

Can I access the Discovery Bank app while travelling abroad?

Yes, you can access the Discovery Bank app while travelling abroad, as long as you have an active internet connection. This means that you can manage your banking no matter where you are in the world.

Can I receive OTP notifications while travelling abroad?

Yes, you can receive OTP notifications through SMS while travelling abroad as long as you have activated SMS roaming with your cellular provider.

Does it use data when I access the Discovery Bank app abroad?

Yes, accessing your Discovery Bank app while abroad will use the same amount of data as back home in South Africa. Make sure you have international roaming activated or connect to a trusted Wi-Fi connection to access the app.

Note: Make sure that you are aware of roaming data costs since it can differ in countries.

Do I have access to travel lounges with my Discovery Bank card?

Clients with Discovery Bank Gold and Platinum cards do not have benefits for access to travel lounges.

Clients with a Discovery Bank Black cards receive six complimentary travel lounge visits a year and one free guest for each visit through LoungeKey to over 1 000 airport lounges worldwide. This includes visits to domestic South African travel lounge partners. Check out the Visa Signature LoungeKey website for information on which lounges are eligible.

Clients with a Discovery Bank Purple card have unlimited access for themselves and one free guest for each visit to LoungeKey partner travel lounges. Check out the Visa Infinite LoungeKey website for more information on which lounges are eligible.

Do I earn base Discovery Miles when I use my Discovery Bank credit card while travelling abroad?

Yes, clients with a Discovery Bank credit card can earn base Discovery Miles in line with the normal base earn rate and monthly threshold on all qualifying transactions.

 

Transactions that do not qualify for earning base Discovery Miles are:

  • Cash withdrawals   
  • Electronic fund transfers (EFTs)   
  • Budget facility transfers (including the iPhone benefit)   
  • Gambling transactions   
  • Monthly Discovery Bank and Vitality Money fees   
  • Debit orders   
  • Transactions made with a Discovery Bank debit card
  • Transactions on your transaction account, including your debit card spend.

Please note:

  • Spend will be calculated using the daily exchange rates.
  • Your account needs to be in good standing at the time of the transaction to earn Discovery Miles.

Travel insurance with Discovery Bank cards

Do I get travel insurance with my Discovery Bank Gold and Platinum card?

Discovery Bank clients who buy their international travel ticket with their Discovery Bank Gold or Platinum credit or debit card, or part of the ticket with their Discovery Miles, qualify for free international travel insurance underwritten by Discovery Travel Insurance through Discovery Insure Ltd.

Please note:

  • Your account must be in good standing, meaning:
    • No arrears on your credit account
    • No missed payments
    • FICA (Financial Intelligence Centre Act) documents in order.
  • Your international flight must leave South Africa.
  • You are covered for 90 days or until you return to South Africa - whatever comes first.
  • You don't qualify for free travel insurance if you pay for your ticket with an electronic funds transfer
Do I get travel insurance with my Discovery Bank Black and Purple card?

Discovery Bank clients who buy their international travel ticket, or any portion of it, with their Discovery Bank Black (VISA Signature) or Purple (VISA Infinite) credit or debit card, get free VISA insurance through Chubb Insurance South Africa Ltd.

Please note:

  • Your account must be in good standing, meaning:
    • No arrears on your credit account
    • No missed payments
    • FICA (Financial Intelligence Centre Act) documents in order.
  • Your international flight must leave South Africa.
  • You are covered for 90 days or until you return to South Africa - whatever comes first.
  • You don't qualify for free travel insurance if you pay for your ticket with an electronic funds transfer
Do I get travel insurance if I pay for only part of the ticket with my Discovery Bank Gold or Platinum card or my Discovery Miles?

You'll get the full free travel insurance when you use your credit or debit card to pay for the full cost of the ticket, or when you use your Discovery Miles to pay for only part of the ticket.

Do I get travel insurance if I pay for only part of the ticket with my Discovery Bank Black or Purple card or my Discovery Miles?

You'll get the full free travel insurance only when you use your credit or debit card to pay for the full cost of the ticket.

How do I activate travel insurance on my Discovery Bank Gold or Platinum card?

If you've paid for an international travel ticket with your Discovery Bank Gold or Platinum debit or credit card, Discovery Insure Ltd will automatically email your travel certificate to you.

Contact Discovery Insure Ltd for your proof of cover if you've used your Discovery Miles to pay the full cost or any portion of the cost of an international travel ticket.

This includes accountholders of a:

  • Discovery Blue Card; if replaced, it's a Gold vertical physical card
  • Discovery Silver Card (Classic); if replaced, it's a Gold physical vertical card
  • Discovery Gold Card
  • Discovery Platinum Card
How do I activate travel insurance on my Discovery Bank Black or Purple card?

If you're a Discovery Bank Black or Purple cardholder you can:

  • Download your travel certificate from Chubb Insurance South Africa visacards.africa/travel-insurance
  • Phone 011 541 1068 for pre-travel advice or a medical emergency while travelling.

More about travel insurance with Discovery Insure

Who can I contact about my cover or in an emergency?

If you're a Discovery Bank Gold or Platinum cardholder or an accountholder with the previous Discovery Card that is now managed by Discovery Bank, please use these contact details for Discovery Insure Ltd:

If you're a Discovery Bank Black or Purple cardholder, please phone Chubb Insurance South Africa Ltd on 011 541 1068 for pre-travel advice or medical emergency while travelling.

What benefits do I get with my Discovery Insure Ltd travel insurance?

If you're a Discovery Bank Gold or Platinum cardholder or an accountholder with the previous Discovery Card that is now managed by Discovery Bank , you can enjoy all the cover you've so far enjoyed through Oojah, plus:

  • Higher limits on medical emergencies
  • Debit cardholders are also covered
  • A higher age limit of up to 80 years for medical emergencies

In addition to this, all cardholders, no matter which colour card you have, get cover for:

  • Emergency medical and related expenses
  • Personal accident
  • Baggage and inconvenience
  • Personal liability
  • Hijack or kidnap and wrongful detention.

To see the complete schedule of benefits and the cover amounts that apply to every colour card, please go to discovery.co.za/bank/legal where the different policy documents are listed.

What does my Discovery Insure Ltd travel insurance cover in a medical emergency?

If you're not covered by Discovery Health Medical Scheme, our travel insurance covers you for emergency medical and non-medical costs outside the borders of South Africa for 90 days from your date of departure from South Africa.

If you have Discovery Health Medical Scheme's international travel benefit, it covers you for emergency medical costs outside the borders of South Africa for 90 days from your date of departure from South Africa.

The cover ends when you return to South Africa or 90 days after you left South Africa, whichever happens first.


More about Visa travel benefits

Who qualifies for the Visa travel insurance benefit with Discovery Bank?

Clients with a Discovery Bank Black card qualify for the Visa Signature travel benefits and clients with a Discovery Bank Purple card qualify for the Visa Infinite travel insurance benefit.

The travel insurance will automatically apply when you buy a flight ticket or cruise ticket using your Discovery Bank credit or debit card. However, the trip must depart from and return to South Africa to qualify.

What travel benefits do I get with Visa and Discovery Bank?

Some of the benefits you qualify for with Visa and Discovery Bank include:

  • Medical and legal assistance
  • Global customer assistance services
  • Visa merchant offers
  • Visa international airport dining programme
  • Multi-trip travel insurance
  • LoungeKey airport lounge access
  • Collision damage waiver insurance.

To get the full details of your travel insurance and benefits, get a copy of your policy documents and travel certificate by:

  1. Logging in to https://cardholderbenefitsonline.com
  2. Entering your Visa Signature (Black) or Infinite (Purple) card number.
Do I qualify for any Visa benefits other than travel insurance?

Yes, along with travel benefits, clients with a Discovery Bank cards qualify for additional Visa benefits. For more detail on these benefits, visit the Visa website.

How do I claim my Visa travel benefits?

For travel medical emergencies, you can call Visa directly on:

For all other claims, you can email Visa at creditcardclaims@broadspire.eu.

Include the following information in your claims email:

  • Your full name
  • The first nine digits of your card
  • Your address
  • Details on what you're claiming for.

You will receive a claim form. This form must be returned within 90 days to creditcardclaims@broadspire.eu along with the relevant supporting documents.

Do I qualify for travel benefits with Visa if I have a Discovery Bank Gold or Platinum card?

Yes, along with the Discovery Travel Insurance benefits, clients with a Discovery Bank Gold or Platinum credit card also qualify for certain Visa benefits. To find out more about the benefits you qualify for, visit the Visa website.


 
 
 
 
 
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