Get cash back

Retail partners

Shop with your Discovery Card in our store network and we’ll reward you with up to 20% cash back on what you buy. Whether its designer clothing, toys, homeware, sportswear or outdoor equipment you’re after, the options are endless.


Important: Discovery Card holders will qualify for the cash back benefit through partner stores in South Africa only.


How it works

Simply visit a store in the Discovery Card store network and pay for your purchase with your Discovery Card.

Vitality status Less than three years Three to five years More than five years
Blue 10% 10% 10%
Bronze 10% 11% 12%
Silver 10% 12% 14%
Gold 10% 13% 15%
Diamond N/A 15% 20%

Keep in mind

When you buy goods in our partner store network, you will be charged the full amount at the stores. We will then pay the cash back into the primary cardholder’s Discovery Card account at the end of the statement period.


The maximum amount that you can get cash back on for each partner store, is limited to 20% of your total Discovery Card spend in that statement period. The following transactions do not qualify as spend:

  • Fuel purchases on the DiscoveryMotor Card
  • Cash withdrawals/deposits
  • Transfers between budget and straight and medical facilities
  • Interest
  • Fees
  • All purchases made overseas
  • Electronic Fund Transfers (EFTs) to a third party
  • Foreign exchange.
  • Budget transactions

 We apply a maximum limit of R10 000 spent at all Discovery Card partner stores when calculating your cash back.

An example of how the limits work

Jake spends R15 000 on his Discovery Card in the statement period of 5 January to 5 February.

He bought furniture at @home for R4 000, computer accessories at Incredible Connection for R4 000, luggage at Frasers for R2 000, paid for an Uber ride which cost R1 000 and toys at Reggie’s for R2 000. The rest of the money was spent at other stores that are not Discovery Card partners.

Jake is a Vitality member with Gold status. He has been a Vitality member for two years. This means he qualifies for 10% on his partner purchases subject to the rules listed here.

We calculate his cash back percentage as follows:

  1. 20% Rule: Partner Store Maximum Qualifying Spend

    Discovery Card first applies the 20% rule. The maximum amount that could qualify for rewards at each partner store, based on his total Discovery Card spend, is calculated as:


    R15 000 X 20% = R3 000

    This means his qualifying spend at each partner store is limited to  R3 000.

    Discovery Card partner store Actual spend Qualifying spend at each partner store (after the limit of 20% of total spend is applied = R3 000 max)
    @home R4 000 R3 000
    Incredible Connection R4 000 R3 000
    Frasers R2 000 R2 000
    Uber R1 000 R1 000
    Reggie's R2 000 R2 000
    Total R13 000 R11 000

    *Jake spent R4 000 at @Home and R4 000 at Incredible Connection. Because this is more than 20% of his total monthly spend, he will get cash back on R3 000.

    ** Jake spent R2 000 at non-partner stores.

  2. R10 000 rule: Maximum Total Qualifying Spend

    After calculating the individual limit at each partner store, the total spend that qualifies for rewards is over R10 000 in total at the partner stores. Therefore rewards are given on R10 000. Jake gets R1 000 cash back, which is calculated as:


    R10 000 X 10%

    How the cash back was made up Actual spend at partner store Qualifying spend at each partner (after the limit of 20% of total spend is applied = R4 500 max) Actual qualifying spend after the R10 000 limit is applied (the qualifying spend at each partner store is recalculated in proportion up to the R10 000 limit) Actual cash back received
    @Home R4 000 R3 000 R2 727.27 R2 727.27 x 10% = R272.73
    Incredible Connection R4 000 R3 000 R2 727.27 R2 727.27 x 10% = R272.73
    Frasers R2 000 R2 000 R1 818.18 R1 818.18 x 10% = R181.81
    Uber R1 000 R1 000 R909.10 R909.10 x 10% = R90.92
    Reggie’s R2 000 R2 000 R1 818.18 R1 818.18 x 10% = R181.81
    Total R13 000 R11 000 R10 000 R1 000

To get started join Vitality

 

Travel partners

Simply make your booking and pay for your holiday with your Discovery Card following the set out process at Contiki, Royal Caribbean International or World Leisure Holidays, and you can get cash back. Your cash back is based on your Vitality status and number of years on Vitality.


How it works

A Discovery Card gives you cash back when you book and pay for your holiday at our travel partners.


Simply make your booking and pay for your holiday with your Discovery Card following the set out process at World Leisure Holidays, Royal Caribbean International or Contiki and you can get cash back. Your cash back is based on your Vitality status and number of years on Vitality.


Travel partner cash back

Vitality status Less than three years Three to five years More than five years
Blue 10% 10% 10%
Bronze 10% 11% 12%
Silver 10% 12% 14%
Gold 10% 13% 15%
Diamond N/A 15% 20%

Keep in mind

You get your travel cash back through a back-end process. The amount you get cash back for is the holiday package amount excluding airport taxes and any 'extras', such as excursions. You will need to sign for the full price and then the cash back amount will be refunded into your Discovery Card.


To make your booking with Royal Caribbean International, World Leisure Holidays or Contiki, follow the below instructions (remember to mention that you are a Discovery Card holder):

  • To book through World Leisure Holidays, call 0860 954 954 or 011 285 2500.
  • To book a Royal Caribbean International cruise, visit Cruise Corner in Sandton City, Shop B37 or visit www.cruisecorner.co.za. Cruise Corner can be contacted on the following details:
    • Telephone:
      Cruise Corner:011 506 5600
      Cruise International:011 327 0327
    • Emergency: 082 492 8195 (Chrissa)
    • Email: info@cruisecorner.co.za
  • To book through Contiki, call 011 280 8400 (bookings made though www.contiki.com will not qualify for the Discovery Card cash back).

To get started join Vitality.