understanding your - discovery
TRANSCRIPT
You get Vitality Health rewards based on a combination of: Whether you have a full
Vitality Health membership
Your Vitality Health status
Whether you activate your benefits
Whether you have completed your Vitality Health assessments
Whether you have activated Vitality Active Rewards.
You get Vitality Money rewards based on a combination of: Whether you have unlocked Vitality Money
on the banking app
Whether you have a qualifying Vitality Health membership (optional)
Your Vitality Money status
Your qualifying Discovery Bank product
Whether your account qualifies for rewards at the time of calculation
Your qualifying Discovery Bank card spend.
H M
Discovery Bank clients with both Vitality Health and Vitality Money earn boosted dynamic lifestyle rewards. Don't have Vitality Health? You'll still qualify for the Vitality Money portion of the total Vitality reward.
Your dynamic lifestyle rewards are your total Vitality rewards, which consist of your Vitality Health and Vitality Money rewards combined.
HVitality Health rewards
Total Vitality rewards
Vitality Money rewards
M
rewards are awarded to you in Discovery Miles
R rewards are upfront discounts or paid to you as cash back
Understanding your dynamic lifestyle rewards percentages
Discovery Bank Black Collection
Limits, Ts&Cs apply. See www.discovery.co.za
Dynamic lifestyle rewards overview
DISCOVERY BANK BLACK SUITE
DISCOVERY BANK BLACK CARD ACCOUNT
DISCOVERY BANK BLACK TRANSACTION ACCOUNT
(BUNDLED FEES)
DISCOVERY BANK BLACK TRANSACTION
ACCOUNT (PAY-AS-YOU-TRANSACT FEES)
HealthyFood 25% 25% – –
HealthyCare 25% 25% – –
Vitality Active Gear
25% 20% – –
Local flights 25% 25% – –
International flights
15% 15% – –
Dream Destinations
15% 15% – –
Fuel and Uber rides
15% 15% – –
If you have both Vitality Health and Vitality Money1
If you only have Vitality Money, and don’t have Vitality Health1
DISCOVERY BANK BLACK SUITE
DISCOVERY BANK BLACK CARD ACCOUNT
DISCOVERY BANK BLACK TRANSACTION ACCOUNT
(BUNDLED FEES)
DISCOVERY BANK BLACK TRANSACTION
ACCOUNT (PAY-AS-YOU-TRANSACT FEES)
HealthyFood75% 50% 25% 25%
25% 50% 25% 25% 25% – 25% –
HealthyCare50% 50% 25% 25%
25% 25% 25% 25% 25% – 25% –
Vitality Active Gear
75% 70% 50% 50%
50% 25% 50% 20% 50% – 50% –
Local flights75% 60% 35% 35%
35% 40% 35% 25% 35% – 35% –
International flights
50% 50% 35% 35%
35% 15% 35% 15% 35% – 35% –
Dream Destinations
15% 15% – –
Fuel and Uber rides
15% 15% – –
Gym2100% 75% 75% 75%
75% 25% 75% – 75% – 75% –
Getting active anddriving well3 100% 40% 40% –
% = Vitality Health reward% = Vitality Money reward% = Total Vitality reward
Note: 1 Displayed rates indicate maximum ‘up to’ reward percentage. 2 Vitality Health members who activated the Vitality Active Rewards gym booster benefit pre-2020 are eligible to retain this benefit if they are primary accountholders of a Discovery Bank Suite, Card Account, or Transaction Account with bundled fees. See your benefit guide for more information. 3 Qualifying Vitality Health plans required for Discovery Miles for getting active, and Vitality Drive required for Discovery Miles for driving well.
Limits, Ts&Cs apply. See www.discovery.co.za
Transactions that don’t qualify towards spend:
Cash withdrawals
Traveller’s cheque purchases
EFTs
Debit orders
Budget facility transfers
Gambling transactions
Discovery Pay transactions
For Discovery Bank Card Account and Suite clients: Any transaction with a transaction account or a Discovery Bank debit card
Payments made through online banking
How your Vitality Money status affects your rewards
Improve your Vitality Money status to 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, view the
Travel benefits
For your travel benefits, we look at your average monthly spend over the previous 12 calendar 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 calendar 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.
Know what spend qualifies towards your 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 card.
How what you spend affects your rewardsHow much you spend each month is linked to your Vitality Money rewards. Monthly spend means any qualifying spend on your qualifying Discovery Bank card for that calender month. For clients with Discovery Bank Card Accounts or Suites, we take into account your qualifying Discovery Bank credit card spend, and for clients with Discovery Bank Transaction Accounts (bundled fees), we take into account your debit card spend. This includes qualifying spend on additional and secondary cards.
Limits, Ts&Cs apply. See www.discovery.co.za
DISCOVERY BANK BLACK SUITE DISCOVERY BANK BLACK CARD ACCOUNT
VITA
LITY
MO
NEY
RE
WA
RDS
Monthly spendVitality Money status Vitality Money status
Blue Bronze Silver Gold Diamond Blue Bronze Silver Gold Diamond
R0 – R2 499 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
R2 500 – R4 999 5% 5% 5% 5.5% 7.5% 5% 5% 5% 5.5% 7.5%
R5 000 – R7 499 5% 5% 5% 6% 8.5% 5% 5% 5% 6% 8.5%
R7 500 – R9 999 5% 5% 6% 7.5% 10% 5% 5% 6% 7.5% 10%
R10 000 – R12 499 5% 6% 7.5% 9% 12.5% 5% 6% 7.5% 9% 12.5%
R12 500 – R14 999 6% 7.5% 9% 11% 15% 6% 7.5% 9% 11% 15%
R15 000 – R19 999 7% 8.5% 10.5% 13% 17.5% 7% 8.5% 10.5% 13% 17.5%
R20 000 – R24 999 8% 10% 12% 15% 20% 8% 10% 12% 15% 20%
R25 000 – R29 999 8% 13.5% 16.5% 20.5% 27.5% 8% 12.5% 15% 18.5% 25%
R30 000 – R34 999 8% 17.5% 21% 26% 35%
R35 000 – R39 999 8% 17.5% 25.5% 31.5% 42.5%
R40 000 or more 8% 17.5% 30% 37.5% 50%
HealthyFood rewards
Bank responsibly
up to 50%
H Get up to 25% back from Vitality HealthPlus, up to 50% back from Vitality MoneyM
up to
75% back
If you have both Vitality Money and Vitality Health, you're eligible to earn the following rewards from Vitality Money:
Upgrade to a Discovery Bank Black Suite to access
HealthyFood rewards of up to 75%.
Find out your Vitality Age and complete your Vitality Health Check
up to 15%
Activate online
10%
Vitality Money rewards of up to 50% backMM
M
Limits, Ts&Cs apply. See www.discovery.co.za
HealthyFood rewards
Vitality Money rewards of up to 25% backMM
M DISCOVERY BANK BLACK SUITE DISCOVERY BANK BLACK CARD ACCOUNT
VITA
LITY
MO
NEY
RE
WA
RDS
Monthly spendVitality Money status
Blue Bronze Silver Gold Diamond
R0 – R2 499 0% 0% 0% 0% 0%
R2 500 – R4 999 5% 5% 5% 5.5% 7.5%
R5 000 – R7 499 5% 5% 5% 6% 8.5%
R7 500 – R9 999 5% 5% 6% 7.5% 10%
R10 000 – R12 499 5% 6% 7.5% 9% 12.5%
R12 500 – R14 999 6% 7.5% 9% 11% 15%
R15 000 – R19 999 7% 8.5% 10.5% 13% 17.5%
R20 000 – R24 999 8% 10% 12% 15% 20%
R25 000 or more 8% 12.5% 15% 18.5% 25%
OR
If you only have Vitality Money, and don't have Vitality Health, you're eligible to earn the following rewards from Vitality Money:
Limits, Ts&Cs apply. See www.discovery.co.za
HealthyCare rewards
DISCOVERY BANK BLACK SUITE DISCOVERY BANK BLACK CARD ACCOUNT
VITA
LITY
MO
NEY
REW
ARD
S
Monthly spendVitality Money status
Blue Bronze Silver Gold Diamond
R0 – R2 499 0% 0% 0% 0% 0%
R2 500 – R4 999 5% 5% 5% 5.5% 7.5%
R5 000 – R7 499 5% 5% 5% 6% 8.5%
R7 500 – R9 999 5% 5% 6% 7.5% 10%
R10 000 – R12 499 5% 6% 7.5% 9% 12.5%
R12 500 – R14 999 6% 7.5% 9% 11% 15%
R15 000 – R19 999 7% 8.5% 10.5% 13% 17.5%
R20 000 – R24 999 8% 10% 12% 15% 20%
R25 000 or more 8% 12.5% 15% 18.5% 25%
Bank responsibly
25%
H Get up to 25% back from Vitality HealthPlus, up to 25% back from Vitality MoneyM
up to
50% back
If you have Vitality Money (with or without Vitality Health), you're eligible to earn the following rewards from Vitality Money:
OR
Find out your Vitality Age and complete your Vitality Health Check
up to 15%
Activate online
10%
Vitality Money rewards of up to 25% backM
M
up to
Limits, Ts&Cs apply. See www.discovery.co.za
DISCOVERY BANK BLACK SUITE DISCOVERY BANK BLACK CARD ACCOUNT
VITA
LITY
MO
NEY
REW
ARD
S
Monthly spendVitality Money status Vitality Money status
Blue Bronze Silver Gold Diamond Blue Bronze Silver Gold Diamond
R0 – R2 499 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
R2 500 – R4 999 5% 5% 5% 5% 5% 5% 5% 5% 5% 5%
R5 000 – R7 499 5% 5% 5% 5% 10% 5% 5% 5% 5% 10%
R7 500 – R9 999 5% 5% 5% 10% 10% 5% 5% 5% 10% 10%
R10 000 – R12 499 5% 5% 5% 10% 10% 5% 5% 5% 10% 10%
R12 500 – R14 999 5% 5% 5% 10% 15% 5% 5% 5% 10% 15%
R15 000 – R19 999 5% 5% 5% 10% 15% 5% 5% 5% 10% 15%
R20 000 – R24 999 5% 10% 15% 15% 20% 5% 5% 10% 10% 15%
R25 000 or more 5% 10% 15% 15% 25% 5% 5% 10% 10% 20%
Vitality Active Gear rewards
If you have Vitality Money (with or without Vitality Health), you're eligible to earn the following rewards from Vitality Money:
Applicable to fitness devices and Nike gear only
M
Vitality Money rewards of up to 25% off
H Get up to 50% off fitness devices and Nike gear from Vitality HealthPlus, up to 25% off
from Vitality MoneyM
Bank responsibly
M
Activate Vitality Active
Rewards
10%
Find out your Vitality Age and complete your
Vitality Health Check
15%up to
Achieve Vitality Active Rewards exercise goals
up to 25% up to 25%
Limits, Ts&Cs apply. See www.discovery.co.za
up to
75% off
R
Local flights rewards
DISCOVERY BANK BLACK SUITE DISCOVERY BANK BLACK CARD ACCOUNT
VITA
LITY
MO
NEY
REW
ARD
S
Average monthly spend1
Vitality Money status Vitality Money status
Blue Bronze Silver Gold Diamond Blue Bronze Silver Gold Diamond
R0 – R2 499 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
R2 500 – R4 999 5% 5% 5% 5.5% 7.5% 5% 5% 5% 5% 7%
R5 000 – R7 499 5% 5% 5% 6% 8.5% 5% 5% 5% 5.5% 7.5%
R7 500 – R9 999 5% 5% 6% 7.5% 10% 5% 5% 5% 6% 8%
R10 000 – R12 499 5% 6% 7.5% 9% 12.5% 5% 5% 5% 6.5% 9%
R12 500 – R14 999 6% 7.5% 9% 11% 15% 5% 5% 6% 7.5% 10%
R15 000 – R19 999 7% 8.5% 10.5% 13% 17.5% 5% 6% 7.5% 9% 12.5%
R20 000 – R24 999 8% 10% 12% 15% 20% 5% 6% 7.5% 9% 12.5%
R25 000 – R29 999 8% 12.5% 15% 18.5% 25% 5% 7.5% 9% 11% 15%
R30 000 – R34 999 8% 15% 18% 22.5% 30% 5% 8.5% 10.5% 13% 17.5%
R35 000 – R39 999 8% 15% 21% 26% 35% 5% 8.5% 12% 15% 20%
R40 000 or more 8% 15% 24% 30% 40% 5% 8.5% 15% 18.5% 25%
15% 20% 25% 30% 35%
Blue Bronze Silver Gold Diamond
Vitality Health status Bank responsibly
up to 40%
up to
75% off
If you have both Vitality Money and Vitality Health, you're eligible to earn the following rewards from Vitality Money:
Vitality Money rewards of up to 40% offM
M
H Get up to 35% off from Vitality Health on five return or 10 one-way flights per calendar year
Plus, up to 40% off from Vitality Money on the first
return or two one-way flightsM R
Note: 1 Average monthly spend over the previous 12 calendar 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 or Discovery Card that was first issued before the launch of Discovery Bank. You need a minimum of three months' spend history to qualify.
Limits, Ts&Cs apply. See www.discovery.co.za
If you only have Vitality Money, and don't have Vitality Health, you're eligible to earn the following rewards from Vitality Money:
DISCOVERY BANK BLACK SUITE DISCOVERY BANK BLACK CARD ACCOUNT
VITA
LITY
MO
NEY
REW
ARD
S
Average monthly spend1
Vitality Money status Vitality Money status
Blue Bronze Silver Gold Diamond Blue Bronze Silver Gold Diamond
R0 – R2 499 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
R2 500 – R4 999 5% 5% 5% 5.5% 7.5% 5% 5% 5% 5% 7%
R5 000 – R7 499 5% 5% 5% 6% 8.5% 5% 5% 5% 5.5% 7.5%
R7 500 – R9 999 5% 5% 6% 7.5% 10% 5% 5% 5% 6% 8%
R10 000 – R12 499 5% 6% 7.5% 9% 12.5% 5% 5% 5% 6.5% 9%
R12 500 – R14 999 6% 7.5% 9% 11% 15% 5% 5% 6% 7.5% 10%
R15 000 – R19 999 7% 8.5% 10.5% 13% 17.5% 5% 6% 7.5% 9% 12.5%
R20 000 – R24 999 8% 10% 12% 15% 20% 5% 6% 7.5% 9% 12.5%
R25 000 – R29 999 8% 12.5% 15% 18.5% 25% 5% 7.5% 9% 11% 15%
R30 000 – R34 999 8% 12.5% 15% 18.5% 25% 5% 8.5% 10.5% 13% 17.5%
R35 000 – R39 999 8% 12.5% 15% 18.5% 25% 5% 8.5% 12% 15% 20%
R40 000 or more 8% 12.5% 15% 18.5% 25% 5% 8.5% 15% 18.5% 25%
Vitality Money rewards of up to 25% offM
M
Note: 1 Average monthly spend over the previous 12 calendar 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 or Discovery Card that was first issued before the launch of Discovery Bank. You need a minimum of three months' spend history to qualify.
Local flights rewards
Limits, Ts&Cs apply. See www.discovery.co.za
International flights rewards
Note: 1 Average monthly spend over the previous 12 calendar 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 or Discovery Card that was first issued before the launch of Discovery Bank. You need a minimum of three months' spend history to qualify.
15% 20% 25% 30% 35%
Blue Bronze Silver Gold Diamond
Vitality Health status Bank responsibly
15%up to
up to
50% off
DISCOVERY BANK BLACK SUITE DISCOVERY BANK BLACK CARD ACCOUNT
VITA
LITY
MO
NEY
REW
ARD
S
Average monthly spend1
Vitality Money status
Blue Bronze Silver Gold Diamond
R0 – R2 499 0% 0% 0% 0% 0%
R2 500 – R7 499 5% 5% 5% 5% 7%
R7 500 – R14 999 5% 5% 5% 5.5% 7.5%
R15 000 – R19 999 5% 5% 5% 6% 8%
R20 000 – R24 999 5% 5% 5% 6.5% 9%
R25 000 – R29 999 5% 5% 6% 7.5% 10%
R30 000 – R34 999 5% 5.5% 6.5% 8.5% 11.5%
R35 000 – R39 999 5% 5.5% 7.5% 9.5% 13%
R40 000 or more 5% 5.5% 9% 11% 15%
OR
If you have Vitality Money (with or without Vitality Health), you're eligible to earn the following rewards from Vitality Money:
Vitality Money rewards of up to 15% offMM
M
H Get up to 35% off from Vitality Health on two international flight bookings per calendar year
Plus, up to 15% off from Vitality Money on the first
return international bookingM R
Limits, Ts&Cs apply. See www.discovery.co.za
Dream Destinations rewards
DISCOVERY BANK BLACK SUITE DISCOVERY BANK BLACK CARD ACCOUNT
VITA
LITY
MO
NEY
RE
WA
RDS
Average monthly spend1
Vitality Money status
Blue Bronze Silver Gold Diamond
R0 – R2 499 0% 0% 0% 0% 0%
R2 500 or more 15% 15% 15% 15% 15%
ORM
Vitality Money rewards of up to 15% backM
Note: 1 Average monthly spend over the previous 12 calendar 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 or Discovery Card that was first issued before the launch of Discovery Bank. You need a minimum of three months' spend history to qualify.
If you have Vitality Money (with or without Vitality Health), you're eligible to earn the following rewards from Vitality Money:
Bank responsibly and get up to
15% back
M R
Limits, Ts&Cs apply. See www.discovery.co.za
If you have Vitality Money (with or without Vitality Health), you're eligible to earn the following rewards from Vitality Money:
DISCOVERY BANK BLACK SUITE DISCOVERY BANK BLACK CARD ACCOUNT
VITA
LITY
MO
NEY
REW
ARD
S
Monthly spendVitality Money status
Blue Bronze Silver Gold Diamond
R0 – R2 499 0% 0% 0% 0% 0%
R2 500 – R4 999 3% 3% 3% 3.5% 5%
R5 000 – R7 499 3% 3% 3.5% 4.5% 6%
R7 500 – R9 999 3% 3.5% 4% 5% 7%
R10 000 – R12 499 3% 4% 4.5% 6% 8%
R12 500 – R14 999 4% 5% 6% 7.5% 10%
R15 000 – R19 999 4% 5.5% 6.5% 8% 11%
R20 000 – R24 999 5% 6.5% 7.5% 9% 12.5%
R25 000 or more 5% 7.5% 9% 11% 15%
OR
Fuel and Uber rides rewards
M
Vitality Money rewards of up to 15% backM
Bank responsibly and get up to
15% back
M
Limits, Ts&Cs apply. See www.discovery.co.za
DISCOVERY BANK BLACK SUITE
VITA
LITY
MO
NEY
REW
ARD
S Monthly spendVitality Money status
Blue Bronze Silver Gold Diamond
R0 – R2 499 0% 0% 0% 0% 0%
R2 500 – R4 999 5% 6% 7.5% 9% 12.5%
R5 000 – R7 499 6% 7.5% 9% 11% 15%
R7 500 – R9 999 7% 8.5% 10.5% 13% 17.5%
R10 000 – R12 499 8% 10% 12% 15% 20%
R12 500 or more 10% 12.5% 15% 18.5% 25%
If you have both Vitality Health and Vitality Money, you're eligible to earn the following rewards from Vitality Money:
MH Get up to 75% back from Vitality Health
Plus, up to 25% back from Vitality Money
Bank responsibly
M
Take out a gym contract
75%
up to
100%back
R
Vitality Money rewards boost of up to 25% backM
25%up toup to
Note: To activate boosted gym rewards with Discovery Bank, you need to have a Vitality Health membership and a Discovery Bank Suite. Vitality Health members who activated the Vitality Active Rewards gym booster benefit pre-2020 are eligible to retain this benefit if they are primary accountholders of a Discovery Bank Suite, Card Account, or Transaction Account with bundled fees. See the applicable benefit guide for more information.
Vitality Health rewards of up to 75% backH
M
Gym rewards (club or local membership)
Limits, Ts&Cs apply. See www.discovery.co.za
DISCOVERY BANK BLACK SUITE
DISCOVERY BANK BLACK CARD ACCOUNT
DISCOVERY BANK BLACK TRANSACTION ACCOUNT (BUNDLED FEES)
VITA
LITY
MO
NEY
REW
ARD
S
Monthly spendVitality Money status Vitality Money status
Blue Bronze Silver Gold Diamond Blue Bronze Silver Gold Diamond
R0 – R2 499 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
R2 500 – R4 999 15% 17.5% 20% 22.5% 25% 10% 12.5% 15% 17.5% 20%
R5 000 – R7 499 17.5% 20% 22.5% 25% 27.5% 12.5% 15% 17.5% 20% 22.5%
R7 500 – R9 999 20% 22.5% 25% 27.5% 30% 15% 17.5% 20% 22.5% 25%
R10 000 – R12 499 22.5% 25% 27.5% 32.5% 35% 17.5% 20% 22.5% 25% 27.5%
R12 500 – R14 999 25% 27.5% 30% 37.5% 40% 20% 22.5% 25% 27.5% 30%
R15 000 – R19 999 27.5% 30% 35% 42.5% 45% 22.5% 25% 27.5% 30% 32.5%
R20 000 – R24 999 30% 35% 40% 47.5% 52.5% 25% 27.5% 30% 32.5% 35%
R25 000 – R29 999 30% 40% 45% 52.5% 60% 25% 30% 32.5% 35% 37.5%
R30 000 – R34 999 30% 45% 50% 60% 70% 25% 32.5% 35% 37.5% 40%
R35 000 – R39 999 30% 45% 57.5% 70% 85%
R40 000 or more 30% 45% 65% 80% 100%
M OR
Rewards for getting active and driving well
If you have both Vitality Health/Drive and Vitality Money, you’re eligible to earn the following rewards from Vitality Money: Bank responsibly, get active and
drive well to earn up to
100% of your points in Discovery Miles
M
Vitality Money rewards of up to 100%M
Note: Qualifying Vitality Health plans required for fitness points to earn Discovery Miles for getting active, and Vitality Drive required for drive points to earn Discovery Miles for driving well.
Upgrade to a Discovery Bank Black Suite to access
rewards of up to 100%.
Limits, Ts&Cs apply. See www.discovery.co.za
discovery.co.za
Discovery Vitality (Pty) Ltd is an authorised financial services provider. Registration number: 1999/007736/07. Limits, terms and conditions apply.
Discovery Bank Limited. Registration number 2015/408745/06. An authorised financial services and registered credit provider. FSP number 48657. NCR registration number NCRCP9997. Limits, terms and conditions apply.
Images in this document are for illustrative purposes only.
RCK_79606DBK_15/10/2021_V4
That's shared-value banking.