Understanding your

dynamic lifestyle
rewards percentages

Discovery Bank
Platinum Collection

Your dynamic lifestyle rewards are

your total Vitality rewards, which rewards are awarded to you in Discovery Miles

consist of your Vitality Health and

R
rewards are upfront discounts or paid to
Vitality Money rewards combined. you as cash back

Vitality Vitality Total

H Health M Money Vitality
rewards rewards rewards

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.

H
You get Vitality Health rewards based M
You get Vitality Money rewards based
on a combination of: on a combination of:

Whether you have a full 
Whether you have unlocked Vitality Money
Vitality Health membership on the banking app
Your Vitality Health status Your Vitality Money status
Whether you activate your benefits 
Your qualifying Discovery Bank product

Whether you have completed your Vitality 
Whether your account qualifies for rewards
Health assessments. at the time of calculation

Your qualifying Discovery Bank card spend.

Limits, Ts&Cs apply. See www.discovery.co.za

HealthyFood,
Local International Fuel and Life Integrator
HealthyCare and Other travel
flights flights Uber rides Miles
HealthyBaby
Dynamic lifestyle rewards overview
View benefit guides
on the Vitality Rules page

If you have both Vitality Health and Vitality Money1

DISCOVERY BANK DISCOVERY BANK

DISCOVERY BANK
DISCOVERY BANK PLATINUM PLATINUM TRANSACTION
PLATINUM CREDIT
PLATINUM SUITE TRANSACTION ACCOUNT ACCOUNT (PAY-AS-YOU-
CARD ACCOUNT
(BUNDLED FEES) TRANSACT FEES)

50% 50% 25% 25%

HealthyFood
25% 25% 25% 25% 25% – 25% –

HealthyCare 50% 50% 25% 25%

and HealthyBaby 25% 25% 25% 25% 25% – 25% –
60% 50% 60% 35%
Local flights
35% 25% 35% 15% 35% 25% 35% –

International
35% 35% 35% 35%
flights
Accommodation
25% 25% 25% 25%
and car hire
Dream
15% 15% – –
Destinations
Fuel and
15% 15% – –
Uber rides
Life Integrator
3.5% 3.5% – –
Miles

% = Vitality Health reward

If you only have Vitality Money, and don’t have Vitality Health1 % = Vitality Money reward
% = Total Vitality reward

DISCOVERY BANK DISCOVERY BANK

DISCOVERY BANK
DISCOVERY BANK PLATINUM PLATINUM TRANSACTION
PLATINUM CREDIT
PLATINUM SUITE TRANSACTION ACCOUNT ACCOUNT (PAY-AS-YOU-
CARD ACCOUNT
(BUNDLED FEES) TRANSACT FEES)

HealthyFood 25% 25% – –

HealthyCare
25% 25% – –
and HealthyBaby

Local flights 25% 15% 25% 10%

International
10% 10% 10% 10%
flights
Accommodation
25% 25% 25% 10%
and car hire
Dream
15% 15% – –
Destinations
Fuel and
15% 15% – –
Uber rides
Life Integrator
3.5% 3.5% – –
Miles

1
Displayed rates indicate maximum ‘up to’ reward percentage.

Limits, Ts&Cs apply. See www.discovery.co.za

HealthyFood,
Local International Fuel and Life Integrator
HealthyCare and Other travel
flights flights Uber rides Miles
HealthyBaby
How what you spend affects your rewards
Your monthly spend on your qualifying Discovery Bank cards determines your Vitality Money rewards.

If you have a Discovery Bank Credit Card Account or Discovery Bank Suite, we count your card spend linked
to your credit card accounts or foreign currency accounts.

If you have a Discovery Bank Transaction Account, we count your card spend linked to your transaction
accounts or foreign currency accounts.

This includes any qualifying spend on additional or secondary cards.

Know what spend qualifies towards your rewards Travel benefits

Your qualifying spend includes local and international straight or budget Discovery Bank When calculating your travel benefits,
card purchases that have been banked by a merchant (online or in-store). we look at your Vitality Money status
and your average monthly spend on
Qualifying spend also includes prepaid products and services that you have purchased your Discovery Bank cards over the past
through the Discovery Bank app, Health Pay and Vitality Pay transactions, Vitality Travel 12 months measured since the time
bookings and visits to The Lounge paid for using your cards. you’ve had a Discovery Bank product
eligible for rewards (i.e. a Ðiscovery
Account, Discovery Bank Transaction
Account, Discovery Bank Credit Card
Transactions that don’t qualify towards spend: Account, or Discovery Bank Suite).


Cash withdrawals 
Payments made through If you upgraded from a Ðiscovery
online banking Account or Discovery Bank

Traveller’s cheque purchases
Transaction Account to a Discovery

EFTs For Discovery Bank Credit

Bank Credit Card Account or
Card Account and Suite client

Debit orders Discovery Bank Suite, we’ll count

Budget facility transfers 
Any card spend linked to your qualifying spend before and
your transaction account after you upgraded separately based

Gambling transactions
on the product you had at the time.
Contact Payments
If you have not had a qualifying
Discovery Bank product for twelve
months, we'll use your average
How your Vitality Money status affects your rewards monthly spend for the number
of months available. However, if
Improve your Vitality Money status to unlock higher rewards. As your financial
you switched from the previous
health improves, so will your Vitality Money status, and your rewards can increase.
Discovery Card product to a
Learn more about how to manage and improve your Vitality Money status Discovery Bank Credit Card Account
and get to Diamond status. or Discovery Bank Suite, we’ll count
your Discovery Card product spend
history from before upgrading.

If you’ve recently joined Discovery

Bank as a new client, in your first
two calendar months your Vitality
Money rewards will be based on
the maximum reward percentage
available for your Vitality Money
status, regardless of how much
you’ve spent. From the first day of
your third calendar month, we’ll start
using your actual spend history to
determine your rewards.
Limits, Ts&Cs apply. See www.discovery.co.za

HealthyFood,
Local International Fuel and Life Integrator
HealthyCare and Other travel
flights flights Uber rides Miles
HealthyBaby
HealthyFood, HealthyCare View benefit guides

and HealthyBaby rewards

on the Vitality Rules page

Plus, up to 25% back

H Get up to 25% back from Vitality Health M from Vitality Money

up to

50%
Activate Find out your Vitality Age and Bank
online complete your Vitality Health Check responsibly

10% up to 15% up to 25% back

If you have Vitality Money (with or without Vitality Health),

you're eligible to earn the following rewards from Vitality Money:

M Vitality Money rewards of up to 25% back

M DISCOVERY BANK PLATINUM SUITE OR DISCOVERY BANK PLATINUM CREDIT CARD ACCOUNT

Vitality Money status

Monthly spend
Blue Bronze Silver Gold Diamond
VITALITY MONEY REWARDS

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 7% 10% 12% 15% 20%

R25,000 or more 7% 10% 15% 18.5% 25%

Limits, Ts&Cs apply. See www.discovery.co.za

HealthyFood,
Local International Fuel and Life Integrator
HealthyCare and Other travel
flights flights Uber rides Miles
HealthyBaby
Local flights rewards

Plus, up to 25% off from

H Get up to 35% off from Vitality Health on three return
or six one-way flights per calendar year
M Vitality Money on three
return or six one-way flights
R
up to

60%
Vitality Health status Bank
Blue Bronze Silver Gold Diamond responsibly

15% 20% 25% 30% 35%

up to 25% off

If you have Vitality Money (with or without Vitality Health),

you're eligible to earn the following rewards from Vitality Money:

M Vitality Money rewards of up to 25% off

M
DISCOVERY BANK PLATINUM SUITE

OR DISCOVERY BANK PLATINUM

CREDIT CARD ACCOUNT
DISCOVERY BANK PLATINUM
TRANSACTION ACCOUNT (BUNDLED FEES)

Average Vitality Money status Vitality Money status

monthly spend Blue Bronze Silver Gold Diamond Blue Bronze Silver Gold Diamond
VITALITY MONEY REWARDS

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 7% 10% 12% 15% 20% 5% 6% 7.5% 9% 12.5%

R25,000 or more 7% 10% 15% 18.5% 25% 5% 6% 9% 11% 15%

If you have a Discovery Bank Platinum Suite, Platinum Credit Card Account or Platinum Transaction Account (bundled fees) without Vitality Health, you'll get a mini-
mum 10% off local flights if your personalised flight discount is less than 10%.

Enjoy an unlimited 10% off flights once you've depleted your personalised flight discount allocation for the calendar year.

If you have a Discovery Bank Platinum Transaction Account (pay-as-you-transact fees) without Vitality Health, you'll get a flat 10% off local flights.

See page 3 for details on how we calculate your travel benefits.

Limits, Ts&Cs apply. See www.discovery.co.za

HealthyFood,
Local International Fuel and Life Integrator
HealthyCare and Other travel
flights flights Uber rides Miles
HealthyBaby
International flights rewards View benefit guides
on the Vitality Rules page

H Get up to 35% off from Vitality Health on two

return international bookings per calendar year
M Get 10% off from
Vitality Money R
up to

35%
Vitality Health status Vitality Money
members
Blue Bronze Silver Gold Diamond OR
automatically get
10% off on unlimited off
15% 20% 25% 30% 35%
international flight
bookings.

Limits, Ts&Cs apply. See www.discovery.co.za

HealthyFood,
Local International Fuel and Life Integrator
HealthyCare and Other travel
flights flights Uber rides Miles
HealthyBaby
Dream Destinations rewards View benefit guides
on the Vitality Rules page

M Vitality Money rewards of up to 15% back

M R
Bank responsibly
and get up to

15%
Discovery Bank Platinum Suite and Discovery Bank Platinum Credit Card Account clients get
up to 15% back with an average monthly qualifying spend of R2,500 or more.

back

Accommodation and car hire rewards

H Get 25% off from Vitality Health M Get up to 25% off from Vitality Money R
up to

25%
Vitality Health members Vitality Money members automatically
automatically get 25% off on OR get 10% off on unlimited
unlimited accommodation accommodation and car hire bookings.
and car hire bookings. This includes Discovery Bank off
Platinum Transaction Account
clients (pay-as-you-transact fees).

Discovery Bank Platinum Suite,

Platinum Credit Card Account and
Platinum Transaction Account
(bundled fees) clients can boost
this to up to 25% off with an average
qualifying monthly spend of
R2,500 or more.

See page 3 for details on how we calculate your travel benefits.

Limits, Ts&Cs apply. See www.discovery.co.za

HealthyFood,
Local International Fuel and Life Integrator
HealthyCare and Other travel
flights flights Uber rides Miles
HealthyBaby
Fuel and Uber rewards View benefit guides
on the Vitality Rules page

M
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 Vitality Money rewards of up to 15% back

M DISCOVERY BANK PLATINUM SUITE OR DISCOVERY BANK PLATINUM CREDIT CARD ACCOUNT

Vitality Money status

Monthly spend
Blue Bronze Silver Gold Diamond
VITALITY MONEY REWARDS

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 4% 6% 7.5% 9% 12.5%

R25,000 or more 4% 6% 9% 11% 15%

Limits, Ts&Cs apply. See www.discovery.co.za

HealthyFood,
Local International Fuel and Life Integrator
HealthyCare and Other travel
flights flights Uber rides Miles
HealthyBaby
Life Integrator Miles rewards View benefit guides
on the Vitality Rules page

If you have Vitality Money (with or without Vitality Health) and M

pay for a Bank Integrated Discovery Life plan by debit order from Bank responsibly
and get up to
your Discovery Bank account, you're eligible to earn the following
rewards from Vitality Money:
3.5% back
M Vitality Money rewards of up to 3.5% back

M DISCOVERY BANK PLATINUM SUITE OR DISCOVERY BANK PLATINUM CREDIT CARD ACCOUNT

Vitality Money status

Monthly spend
Blue Bronze Silver Gold Diamond
VITALITY MONEY REWARDS

R0 – R7,499 0% 0% 0% 0% 0%

R7,500 – R9,999 0.75% 0.9% 1.05% 1.2% 1.5%

R10,000 – R12,499 1% 1.2% 1.4% 1.6% 2%

R12,500 – R14,999 1.25% 1.5% 1.75% 2% 2.5%

R15,000 – R19,999 1.4% 1.65% 1.95% 2.2% 2.75%

R20,000 – R24,999 1.5% 1.8% 2.1% 2.4% 3%

R25,000 or more 1.75% 2.1% 2.45% 2.8% 3.5%

Note: Discovery Miles will be paid to the Discovery Bank client whose account the Bank Integrated Discovery Life plan monthly debit order is processed from. They don't need to be
the policyholder, life assured or beneficiary of the associated Bank Integrated Discovery Life plan.

No Discovery Miles will be awarded on debit orders processed for Discovery Life plans that are not Bank Integrated.

Limits, Ts&Cs apply. See www.discovery.co.za

HealthyFood,
Local International Fuel and Life Integrator
HealthyCare and Other travel
flights flights Uber rides Miles
HealthyBaby
That's shared-value banking.

discovery.co.za

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.

Discovery Vitality (Pty) Ltd is an authorised financial services provider. Registration number: 1999/007736/07. Limits, terms and conditions apply.

Images in this document are for illustrative purposes only. Rewards and qualifying spend are as at 1 January 2024. Always see the Discovery Bank app
or discovery.co.za for the latest information and terms and conditions.

RCK_101541DBK_08/02/2024_V1