Join Discovery Insure to get up to 65% back on fuel spend
✅ Fast, accurate online quote
✅ No commitment
✅ Rewards for driving safely
Call us on 0860 000 628 or speak to your financial adviser.
Fuel cash back is now Fuel rewards
How it works:
01
Join Discovery Insure and Discovery Bank
- To qualify for up to 50% back with Discovery Insure fuel rewards through Vitality Drive, you'll need a qualifying Discovery Insure plan and you'll need a Discovery Bank account with Vitality Money. You'll need to use the qualifying Discovery Bank virtual card linked to that account to pay for your fuel spend.
- To qualify for up to 15% back with Discovery Bank fuel rewards through Vitality Money, you'll need a qualifying Discovery Bank Credit Card Account or Suite product.
02
Get ready to earn rewards
- Download the Discovery Bank app, add a virtual card to your bank account, and load it to your digital wallet for easy access.
- Download the Discovery app.
- Install your Vitality Drive Sensor in your car at a Tiger Wheel & Tyre or a Discovery Drive Centre.
03
Pay and get rewarded
- Use your Discovery Bank virtual card when paying for qualifying fuel purchases at bp, Shell and Gautrain.
- Fuel rewards will be paid back in Ðiscovery Miles into your Ðiscovery Miles Account in real-time, up to the monthly threshold.
If you join Discovery Bank or Discovery Insure between 1 October and 31 December 2026, you could qualify for an additional fuel reward of Ð5,000 (that's R500). Campaign terms and conditions apply, terms and conditions apply, read more about the campaign here.
Fuel reward benefit
How the up to 65% is calculated:
Earn up to 50% back through Vitality Drive and up to 15% through Vitality Money. You earn your fuel reward percentage on your qualifying spend, up to a monthly spend cap of up to R3000.
| Vitality Drive | Essential Plan | Classic and Purple Plans |
| Blue | 0% | 0% |
| Bronze | 2.5% | 5% |
| Silver | 7.5% | 15% |
| Gold | 15% | 30% |
| Diamond | 25% | 50% |
Choose how you are paid. Get your reward in Ðiscovery Miles or have your Vitality Drive fuel reward doubled and paid into your Insure Funder Account.
Pay with a qualifying Discovery Bank virtual card to qualify for full rewards. Physical card spend is capped at Vitality Drive Bronze percentages. Fuel purchases at bp and Shell qualify, as does Gautrain spend. A fuel transaction at bp or Shell must be at least R75. Your monthly spend threshold depends on your Vitality Drive status and on having at least R300,000 in buildings or household contents cover.
Fuel Rewards FAQs
With the Vitality Drive programme, you can get up to 65% of your bp and Shell fuel and Gautrain spend back by using your qualifying Discovery Bank virtual card . The percentage you get depends on your plan type, whether you have home insurance, whether your vehicle has passed the Annual MultiPoint check and whether you've added home insurance of at least R300,000 to your plan.
With the Vitality Drive fuel rewards option, you can get up to 65% of your bp and Shell fuel and Gautrain spend back when using your qualifying Discovery Bank virtual card.
Your fuel rewards is calculated using your Vitality Drive status percentage, which depends on your Vitality Drive status for the previous month, your Discovery Insure plan type and whether you have home insurance of at least R300 000; along with your total Vitality Drive points as follows:
- Vitality Drive status % x the lower of (Vitality Drive points earned in the previous month OR the total fuel spend in the current month).
- For more information on how to get to the highest rewards percentage, click here.
If you're not getting your fuel rewards:
- Visit the Vitality dashboard on our website to check that you have a Vitality Drive telematics device installed and that it's working correctly.
- Visit our website to check that your Vitality Drive card is linked to your plan.
- Make sure you've got the latest version of the Discovery Insure app and that it's linked to your Vitality Drive Sensor.
- Accept all permissions for the Discovery Insure app.
- Check that your phone's Bluetooth, mobile and cellular data are on.
- If you have an Android device, turn on GPS and location services and make sure high accuracy mode is on. Deactivate mock location services and battery saver mode.
- If you have an iOS device, turn on location services and switch on background app refresh for the Discovery Insure app.
- Open a qualifying Open a qualifying Discovery Bank account, including the Discovery Bank account that has zero monthly fees and only pay-as-you-transact fees.
- Tap your qualifying Discovery Bank virtual card when you fill up at a participating bp or Shell service station. When travelling on the Gautrain, tap your qualifying Discovery Bank virtual card so you don't miss out on rewards.
If this doesn't help, or if you have a standalone DQ-Track, please speak to your financial adviser or call us on 0860 751 751.
Your monthly fuel cash back is directly linked to your Vitality Drive status, so the better you drive, the more Vitality Drive points you earn, the higher your status.
You can earn up to 3,000 Vitality Drive points every month and, with up to 50% back on your fuel spend, you can get a maximum of R1,500 back every month. See how you can maximise your fuel cash back here.