Ask Discovery Card frequently asked questions

Card Activation

Who do I call to activate my new Discovery Card?

You can call 0860 11 2273 to activate your Discovery Card and also for all future queries.

Can I activate my Discovery Card - Discovery’s credit card -online?

You are able to activate your new or replacement Discovery Card’s by logging onto the Discovery website (www.discovery.co.za) and following the below steps:

  • From the landing page, select “Card”.
  • Then select the "Activate card" button. The system will trigger a one-time PIN (OTP) process, which you will need to enter and then click submit.

  • Once the OTP has been submitted, you must accept the terms and conditions disclaimer and click on the "activate" button.
  • You will be asked if you want to activate Online Secure, by choosing "yes" or "no".
 

 

Discovery Card cash back partners changing to the Discovery Miles Multiplier Network

From 1 November 2017, the rest of the Discovery Card cash back partners will move across to our new Discovery Miles Multiplier Network with the exception of Frasers.

  • You will therefore no longer earn cash back at Cape Union Mart, @Home, Sunglass Hut, Nando’s and Exclusive Books.
  • You will no longer earn cash back from Frasers from 1 November 2017 as it will no longer be a Discovery Card partner.
  • The Fast Miles benefit will also fall away from 1 November 2017.
What new categories have been added to the Discovery Miles Multiplier network?

We have expanded our Discovery Miles Multiplier Network with two new categories and additional partners within existing categories. Previously you could earn up to 10x Discovery Miles within these categories; electronics, fuel, sport and leisure, entertainment, online shopping, toys, and daily living. Now you can also earn 10x the Miles within the new dining and home categories. That’s 9 categories in total!

What new stores have been added to the Discovery Miles Multiplier Network?

Good news, from 1 November 2017 you’ll earn up to 10x more Discovery Miles when shopping online or in store at these additional partners:

Category 10x Discovery Miles partners
Dining (new category) Col'Cacchio, Kauai, Nando's, Starbucks and Vida e Caffè
Home (new category) @Home, Coricraft and Yuppiechef
Sports and Leisure (new partner) Cape Union Mart, Exclusive Books, Sunglass Hut and Trappers
Fuel ( new partner) Shell
Online (new partner) Netflorist

These partners are in addition to:

Babies R Us | Big Concerts | BP | Clicks | Computicket | Dion Wired | Dis-Chem | Hamleys | Hirsch’s | Incredible Connection | iStore | loot.co.za | Pick n Pay | Reggies | Sportsmans Warehouse | takealot.com | TicketPro| Totalsports | The Golfers Club | The Pro Shop | Toy Kingdom | Toys R Us | Yuppiechef.com

Are all cash back partners moving to the new Discovery Miles Multiplier Network?

We’re always looking for ways to give you more choice and value. The Discovery Miles Multiplier network allows us to offer you a wider range of carefully selected partners which will provide you with significantly more choice and more value. The Travel partners; Uber, Contiki, Royal Caribbean International and World Leisure Holidays will remain in the 20% Cash Back partners network.

Which cash back partners are changing to the Discovery Miles Multiplier Network now?

Cape Union Mart, Exclusive Books, Sunglass Hut and @Home are becoming Discovery Miles Multiplier partners from 1 Nov. This means that from 1 November 2017, you will no longer earn cash back when shopping at these stores.

 

 

Discovery Miles

What are Discovery Miles?

Discovery Miles are rewards you can earn everywhere you shop with your Discovery Card. You can spend your Discovery Miles on anything from electronics and appliances, travel, entertainment, fashion and more. Cardholders can earn one Discovery Mile for every R15 spent on the Discovery Card. The more the cardholder spends on their Discovery Card, the more Discovery Miles they will earn.

What can I do with Discovery Miles?
  • Shop for popular products at leading retailers through our online portal, discovery/mall, without leaving home.
  • Make real time purchases in store at select partner stores through the Discovery App. See how
  • Pay some, or all of your bookings with Vitality travel partners like kulula.com.
  • Convert Discovery Miles to Avios or Voyager Miles.
  • Pay for your travel using your Discovery Miles
How do I activate Discovery Miles?

Discovery Miles can be activated for a yearly linkage fee.

To activate Discovery Miles online, click here to log in and follow these steps:

  • On the drop down menu, select the Miles benefit that you need activated (Discovery Miles/Fast Miles).
  • Accept the Terms and Conditions.
  • The submit button will take you to a confirmation screen before the change is made.

Alternatively, call 0860 11 2273 and we will activate the benefit for you.

What is the Miles Multiplier?

With the Miles Multiplier benefit, you can multiply your Discovery Miles by up to 10x when you pay using your Discovery Card at select partners.

And good news, we’ve added new partner stores. From 1 November 2017 you’ll now earn up to 10x more Discovery Miles when shopping online or in store at these partners:

@Home| Babies R Us | Big Concerts | BP |Cape Union Mart| Clicks | Col’Cacchio| Computicket | Coricraft| Dion Wired | Dis-Chem | Exclusive Books| Hamleys | Hirsch’s | Incredible Connection | iStore |Kauai| loot.co.za | Nando’s| NetFlorist| Pick n Pay | Reggies | Shell| Sportsmans Warehouse | Starbucks| Sunglass Hut| takealot.com | TicketPro| Totalsports | The Golfers Club | The Pro Shop | Toy Kingdom | Toys R Us |Trappers| Vide e Caffè| Yuppiechef.com

Your Miles Multiplier is based on your Vitality status. Discovery Miles monthly earning limits, terms and conditions apply.

 

 

Fees and interest rates

What determines my interest rate?

Your interest rate is determined by the product you have with Discovery Card. Please refer to your monthly Discovery Card statement for your current interest rate.

What are the fees for the Discovery Card?

Click here to view applicable fees. These are updated once a year.

When is interest charged on my account?

You must wait until your statement closes before making payment. If you do not pay the full outstanding amount on or before the due date shown on your monthly statement, you will be charged interest. The interest will be charged from the date of each transaction on your account, on both the balance reflected on your monthly statement and on any new purchases made on the card. You will lose the interest-free period on the new purchases.

How does the up to 55 days of interest-free credit work?

The interest-free period on the Discovery Card is up to 55 days. This is made up of a 30-day spend period and a 25-day payment period.

 

 

Get more value

What is the Discovery Protector and what does it cover?

In the event of your death, disability or severe illness, the Discovery Card Protector will pay the outstanding balance on your Discovery Card and cover your Discovery Card spend related to key living expenses. It is a monthly benefit paid out over a specific period upon life changing events. Food, clothing, transport, communication and credit card re-payments are covered by this benefit. You can activate this benefit if you call Discovery Life on 0860 00 54 33. Alternatively, speak to your financial adviser for assistance.

 

 

Health Wallet

What is the Health Wallet (HW)?

This is a separate savings facility on your Discovery Card. You can use it to help pay your day-to-day healthcare expenses when your Medical Savings Account runs out or when you are in a Self-payment Gap. You can re-direct your Discovery Card retail cash back, HealthyFood, and HealthyGear cash back to fund this facility.

What happens to my funds in my MSB if I choose to activate the Health Wallet?

Your funds available as on 31 December 2012 will be transferred into the Health Wallet.

What happens if I choose not to activate the Health Wallet?

Your HealthyLiving cash back will be paid into your Discovery Card account.

 

 

iStore interest free facility

What is the iStore 0% interest-free offer?

As a Discovery Card holder with Vitality, you can buy the latest Apple products interest free on iStore through discovery/mall. If you buy your items with your Discovery Card using the interest-free finance facility, you can get 12 months’ interest-free credit on the purchase, as long as you select the 0% interest offer indicator when you buy the items.

Where do I go to buy products using the 0% interest-free facility?

This facility is available through the online shopping portal discovery/mall.

Can I buy any Apple product using the 0% interest-free facility?

To qualify for the interest-free facility, you must buy items that cost between R1 000 and R25 000.

 

Online Secure

What is Online Secure?

Online Secure (previously known as Verified by Visa) is a unique service from Discovery Card that uses a one-time PIN (OTP) to protect cardholders against unauthorised use of their credit card. Once activated, the Discovery Card cannot be used for online purchases at participating merchants without their OTP.

How do I activate Online Secure on my Discovery Card?

If you are registered for InSync notifications, you do not have to activate Online Secure on your card – we will do this automatically. Each time you get a new, re-issue or replacement credit card, we will automatically activate Online Secure on your card. If you are not registered for InSync notifications and you want to activate Online Secure on your card, you must log in to your Discovery Card online banking profile and follow these steps:

  • Select the ’My Bank Accounts’ tab;
  • Select the ’My Cards’ sub-tab;
  • Click on ’Activate Now’.
How do I check if my Discovery Card has been activated for Online Secure?
  • Log in to your Discovery online banking profile and select the ‘My Bank Accounts’ tab;

  • Select the ‘My Cards’ sub-tab to check your card status;
  • ‘Activate Now’ means Online Secure has not been activated on your card and you can go ahead and activate it;
  • ‘Unblock Now’ means your card has been blocked;
  • ‘Update’ means Online Secure has been activated on your card and you can update your details.
 

Travel

Can I use my Discovery Card when I travel overseas?

Yes, you can use your Discovery Card at all Visa outlets worldwide. We would however advise you to contact us before leaving the country, so we can adjust your Discovery Card’s international limits.

Certain countries have set country code limits that reject foreign transactions. If you travel to these countries and have not contacted us to have your limits changed, your transactions may be rejected. This doesn’t necessarily mean you are over the limit, but rather that the codes are different for that country.

Please call us on 0860 11 22 73 before your trip to change your Discovery Card international limits.

What are travel rewards?

When you have book your holiday using your Discovery Card with one of our holiday partners, you will get cash back of up to 20% depending on your Vitality status and number of years on Vitality. We will pay this cash back into your Discovery Card. This cash back excludes airport taxes and any extras added to the holiday package.

 

Travel Booster

Why have we replaced the 15% for paying with a Card with the up to 15% Booster?

Each year we review and refine our benefits to ensure members get value from their Discovery Card. The Travel Booster benefit boosts your local Vitality travel rewards by up to 15%. This means you can save a total of up to 50% on holiday accommodation. However, the benefit now also includes car hire (Europcar or Tempest Car Hire) and local flights (British Airways and kulula.com), which were not part of the Vitality Hotel Collection benefit. We have noticed that a large percentage of Vitality members use the flight benefit in which we discount flights, so we created the Travel Booster benefit to allow for greater discounts on flights to a wider group. Plus, with Vitality Active Rewards members can get up to 100% off local flights. This is to encourage members who take steps to improve their health with Vitality, manage their health claims and those who use their cards regularly to unlock this additional value.

Why do we take Health claims into account when calculating a credit card benefit?

We want to encourage our members to proactively manage their health and to take steps to improve their health. Your claims are an indication of your interaction with the healthcare system and this benefit is designed to encourage members who take steps to improve their health with Vitality, manage their health claims and those who use their cards regularly to unlock additional value. The Travel Booster benefit boosts your local Vitality travel rewards by up to 15%. This means you can save a total of up to 50% on holiday accommodation. However, the benefit now also includes car hire (Europcar or Tempest Car Hire) and local flights (British Airways and kulula.com), which were not part of the Vitality Hotel Collection benefit.