After your first two calendar months, fuel and Uber rewards are zero below R3,150 in qualifying monthly spend. Your status also sets your rate.
Earn rewards at bp and selected Shell stations, plus rewards on your Uber rides
Unlock Vitality Money on an eligible account. Diamond earns 10% in Discovery Miles on bp fuel, selected Shell fuel and Uber. The regular minimum is R15,250 in qualifying monthly spend.
Rewards, Dynamic Interest Rates refunds, purchase refunds, bank credits and same-facility transfers aren’t repayments. Credit and affordability decide approval.
Budget purchases charge interest from the start
Budget terms run from 6 to 60 months; longer terms lower instalments but increase total interest. Discovery Bank’s standard R125 monthly is R1,500 yearly, plus per-transaction charges.
R32.50 buys the account, R37.50 Vitality Money and R55 credit. The credit fee is waived below R1,000; with multiple linked accounts, it’s capped at R69. Fees include VAT.
Your income and requirements for foreign applicants
You need annual income from R100,000 to R350,000 for Gold.
- Meet Gold’s income band.
- If foreign, hold a pre-bank Discovery Card or eligible active policy.
- Foreign applicants need an eligible visa valid over 12 months.
- Foreign passports need 12 months’ validity.
- If foreign, prove your South African home address and income.
Start in the app or request a call
- New clients select Join the Bank in the app.
- Confirm your details and verify your mobile.
- Scan your face to set up Facial ID and security.
- Existing clients select Credit Card Account.
- Review details, tick the terms and tap Accept.
- Or leave your details online for a callback.
FAQ
Do cash withdrawals, debit orders and EFTs count towards reward spend?
No. Neither do traveller’s cheques, budget transfers, gambling, Contact Payments, online banking payments or transaction-account card spending.
Does using my physical card through a digital wallet earn more Miles?
No. In a digital wallet, your physical card still earns one Mile per R200, regardless of status. Base earnings stop at R10,000 monthly spend.
Which visas qualify foreign policyholders for credit?
With an eligible Discovery policy, you need a section 11(6) visitor’s or permanent resident visa valid over 12 months.
How do my rewards work when I first join Discovery Bank?
For your first two calendar months as a new client, your Money reward rate is your status maximum, regardless of spend.