Eligible virtual-card purchases earn Ð1 per R100 at Blue, R65 at Bronze, R50 at Silver, R40 at Gold or R20 at Diamond, up to R15,000 monthly.
Your status sets the Miles rate; your card choice matters just as much
Physical cards earn Ð1 per R200 up to R15,000, then nothing, at any status—even in a digital wallet. Transaction-account card spending is excluded.
Excluded spend covers cash withdrawals, traveller’s cheques, EFTs, debit orders, budget transfers, gambling, Contact Payments or online-banking payments.
R180 a month, before your transaction charges
The monthly fee is R180: R70 for the account, R55 for Vitality Money and R55 for credit. Credit-fee exceptions follow. R180 times 12 is R2,160 before usage fees. Fees include VAT.
The R55 credit fee is waived below a R1,000 limit. Accounts sharing one credit facility face a maximum monthly credit fee of R69 total.
Your gross annual income and foreign-applicant documents
Foreign applicants count document validity from when they apply.
- Earn R350,000 to R850,000.
- Foreign applicants need an eligible Discovery relationship.
- Foreign applicants need passports valid for at least 12 months.
- Foreign visas must have over 12 months left.
- Foreign applicants must prove South African address and income.
Two ways to start with Platinum
- Download the Discovery Bank app to open your account.
- Or leave your details online for a call back.
Your questions
Which Discovery relationships let foreign applicants join the bank?
You need an active Discovery Life, Invest or Insure policy, a pre-bank Discovery Card, or active medical aid run by Discovery Health.
Do general, critical skills and intra-company work visas qualify old Card holders?
Yes, if your qualifying visa expires over 12 months after you apply. This credit route is for pre-bank Discovery Card holders.
Can I apply for credit with a qualifying Discovery policy?
With a qualifying policy, use a Home Affairs visitor’s 11(6) or permanent resident visa valid over 12 months after applying.
How can I make my application documents easier to provide?
In the app, allow direct data access via South African banks’ integrated system. A valid VFS receipt covers a pending visa extension.