Discovery Bank

adielk said:
In discovery health app you go to vitality active rewards
Click to expand...
I just made 3 purchases today. How long does it take to for the points to show? Because the transactions aren't showing in the Discovery app.
 
Last edited:
ECHLN said:
I just made 3 purchases today. How long does it take to for the points to show? Because the transactions aren't showing in the Discovery app.
Click to expand...

It’s takes anything between a day to 3 days usually but it can also go missing from money points I had many instances were the transactions are only in bank app not in money points
 
Is the spend band to start earning earning dynamic discounts different for the gold and platinum. I read in this thread earlier that to get 100% back from gym you need to spend close to 45K on the platinum card, that is ridiculous ill never get cash back. Is the gold less? I would really like to know these things before I decide to open a new account?
 
binloud said:
Is the spend band to start earning earning dynamic discounts different for the gold and platinum. I read in this thread earlier that to get 100% back from gym you need to spend close to 45K on the platinum card, that is ridiculous ill never get cash back. Is the gold less? I would really like to know these things before I decide to open a new account?
Click to expand...

Spend Bands
I queried the spend bands with a consultant and he said each product has different spend bands. Not sure why they havent published all of them yet...

This is what was sent to me - I have the Platinum Suite (CC + transactional account)

Spend band 0 for <R5,000
Spend band 1 for R5,000-R9,999
Spend band 2 for R10,000-R17,499
Spend band 3 for R17,500-R24,999
Spend band 4 for >=R25,000

Gym cash back (my current understanding of it)
Currently you can get 100% cashback from a combination of upfront discount (e.g. monthly debit order for reduced VA rate for Discovery members as long as you visit 36 times in a year) and then gym booster (hit all your weekly health goals in a month) gets you the remaining 25% cash back on the discounted rate. Pretty simple

The new "boosted Vitality gym benefit with Discovery Bank" seems way more complicated. From reading all I could find on the website and interactions with both Discovery Bank & Virgin Active on this , you need to:
1) Change your debit order details over to Discovery Bank
2) The debit order will be for the FULL VA rate (not upfront discounted VA rate)
3) 75% is then refunded to you into your Vitality Savings Account by Discovery Health - if you visit the gym 36 times per year otherwise the rate can drop down to 50% (as per current rules)
4) The last 25% is where the exact mechanics become a little sketchy. If you look at 'How do I increase and maintain my boosted Vitality gym benefit with Discovery Bank cash back?' on this page https://www.discovery.co.za/vitality/gym it goes through all the above but then ends with this:

"To ensure that you are earning the maximum cash back from your boosted Vitality gym benefit with Discovery Bank, spend on your Discovery credit card, engage with Vitality Money and get to Diamond status. "

So basically that last 25% cashback (on the FULL gym rate not the DISCOUNTED rate it seems) suddenly becomes a lot more elusive...
 
amabacha said:
Spend Bands
I queried the spend bands with a consultant and he said each product has different spend bands. Not sure why they havent published all of them yet...

This is what was sent to me - I have the Platinum Suite (CC + transactional account)

Spend band 0 for Spend band 1 for R5,000-R9,999
Spend band 2 for R10,000-R17,499
Spend band 3 for R17,500-R24,999
Spend band 4 for >=R25,000

Gym cash back (my current understanding of it)
Currently you can get 100% cashback from a combination of upfront discount (e.g. monthly debit order for reduced VA rate for Discovery members as long as you visit 36 times in a year) and then gym booster (hit all your weekly health goals in a month) gets you the remaining 25% cash back on the discounted rate. Pretty simple

The new "boosted Vitality gym benefit with Discovery Bank" seems way more complicated. From reading all I could find on the website and interactions with both Discovery Bank & Virgin Active on this , you need to:
1) Change your debit order details over to Discovery Bank
2) The debit order will be for the FULL VA rate (not upfront discounted VA rate)
3) 75% is then refunded to you into your Vitality Savings Account by Discovery Health - if you visit the gym 36 times per year otherwise the rate can drop down to 50% (as per current rules)
4) The last 25% is where the exact mechanics become a little sketchy. If you look at 'How do I increase and maintain my boosted Vitality gym benefit with Discovery Bank cash back?' on this page https://www.discovery.co.za/vitality/gym it goes through all the above but then ends with this:

"To ensure that you are earning the maximum cash back from your boosted Vitality gym benefit with Discovery Bank, spend on your Discovery credit card, engage with Vitality Money and get to Diamond status. "

So basically that last 25% cashback (on the FULL gym rate not the DISCOUNTED rate it seems) suddenly becomes a lot more elusive...
Click to expand...
The last 25% is like R200, seems like quite bit effort for R200
 
amabacha said:
Spend Bands
I queried the spend bands with a consultant and he said each product has different spend bands. Not sure why they havent published all of them yet...

This is what was sent to me - I have the Platinum Suite (CC + transactional account)

Spend band 0 for <R5,000
Spend band 1 for R5,000-R9,999
Spend band 2 for R10,000-R17,499
Spend band 3 for R17,500-R24,999
Spend band 4 for >=R25,000

Gym cash back (my current understanding of it)
Currently you can get 100% cashback from a combination of upfront discount (e.g. monthly debit order for reduced VA rate for Discovery members as long as you visit 36 times in a year) and then gym booster (hit all your weekly health goals in a month) gets you the remaining 25% cash back on the discounted rate. Pretty simple

The new "boosted Vitality gym benefit with Discovery Bank" seems way more complicated. From reading all I could find on the website and interactions with both Discovery Bank & Virgin Active on this , you need to:
1) Change your debit order details over to Discovery Bank
2) The debit order will be for the FULL VA rate (not upfront discounted VA rate)
3) 75% is then refunded to you into your Vitality Savings Account by Discovery Health - if you visit the gym 36 times per year otherwise the rate can drop down to 50% (as per current rules)
4) The last 25% is where the exact mechanics become a little sketchy. If you look at 'How do I increase and maintain my boosted Vitality gym benefit with Discovery Bank cash back?' on this page https://www.discovery.co.za/vitality/gym it goes through all the above but then ends with this:

"To ensure that you are earning the maximum cash back from your boosted Vitality gym benefit with Discovery Bank, spend on your Discovery credit card, engage with Vitality Money and get to Diamond status. "

So basically that last 25% cashback (on the FULL gym rate not the DISCOUNTED rate it seems) suddenly becomes a lot more elusive...
Click to expand...
Why do only Black CC holders qualify for the boosted gym benefit with premier virgin active membership?? Do they not think that other account holders use multiple gyms?? /sigh
 
vancity33 said:
Why do only Black CC holders qualify for the boosted gym benefit with premier virgin active membership?? Do they not think that other account holders use multiple gyms?? /sigh
Click to expand...
I would assume its a PREMIUM benefit. The higher the account the more benefits but also at a higher cost...
 
I just updated the app and now get an error when opening: "We are experiencing technical difficulties. Please try again later (Code: 53E6)

Anybody else having this issue?
 
amabacha said:
Spend Bands
I queried the spend bands with a consultant and he said each product has different spend bands. Not sure why they havent published all of them yet...

This is what was sent to me - I have the Platinum Suite (CC + transactional account)

Spend band 0 for <R5,000
Spend band 1 for R5,000-R9,999
Spend band 2 for R10,000-R17,499
Spend band 3 for R17,500-R24,999
Spend band 4 for >=R25,000

Gym cash back (my current understanding of it)
Currently you can get 100% cashback from a combination of upfront discount (e.g. monthly debit order for reduced VA rate for Discovery members as long as you visit 36 times in a year) and then gym booster (hit all your weekly health goals in a month) gets you the remaining 25% cash back on the discounted rate. Pretty simple

The new "boosted Vitality gym benefit with Discovery Bank" seems way more complicated. From reading all I could find on the website and interactions with both Discovery Bank & Virgin Active on this , you need to:
1) Change your debit order details over to Discovery Bank
2) The debit order will be for the FULL VA rate (not upfront discounted VA rate)
3) 75% is then refunded to you into your Vitality Savings Account by Discovery Health - if you visit the gym 36 times per year otherwise the rate can drop down to 50% (as per current rules)
4) The last 25% is where the exact mechanics become a little sketchy. If you look at 'How do I increase and maintain my boosted Vitality gym benefit with Discovery Bank cash back?' on this page https://www.discovery.co.za/vitality/gym it goes through all the above but then ends with this:

"To ensure that you are earning the maximum cash back from your boosted Vitality gym benefit with Discovery Bank, spend on your Discovery credit card, engage with Vitality Money and get to Diamond status. "

So basically that last 25% cashback (on the FULL gym rate not the DISCOUNTED rate it seems) suddenly becomes a lot more elusive...
Click to expand...
Thanks man, helps a lot. If not for the total lack of info from discovery.

Anyone have an idea about the Gold suite, may be easier to get to a higher band?

50% vs 60% on food and flights is minimal especially if you wont get past band 2, which I assume means you probably get like 5% back.
 
There seems to be a lot of focus on the weekly money goal here and the spending required. The weekly money goal doesn't affect your interest rates or your discounts. It's just a minor additional benefit for people who swipe their card more often which benefits the bank as well. Getting that goal just gives you an additional play on the gameboard and it accumulates so if you miss it one week, you'll get it the next week or the following week. They could completely do away with this weekly goal and the overall product will be barely changed.

All it gives is most likely a smoothie worth of reward so it's not worth going out of your way to get a lot of swipes.
 
SaiyanZ said:
There seems to be a lot of focus on the weekly money goal here and the spending required. The weekly money goal doesn't affect your interest rates or your discounts. It's just a minor additional benefit for people who swipe their card more often which benefits the bank as well. Getting that goal just gives you an additional play on the gameboard and it accumulates so if you miss it one week, you'll get it the next week or the following week. They could completely do away with this weekly goal and the overall product will be barely changed.

All it gives is most likely a smoothie worth of reward so it's not worth going out of your way to get a lot of swipes.
Click to expand...

Nobody seems to know what affects what. Even staff. My Vitality Money status dropped from Gold to Blue on Monday, but my points remain above 80,000. When I queried it the banker said that it was due to me not achieving my weekly goals for a month. Another said that there’s an issue with the app and would log one of their infamous calls. I’ve honestly given up with Discovery Bank for now. Just keeping the card because the monthly fee is cheaper than settling my Apple Watch.

I can’t imagine that the weekly goal would only apply to the game board in future though - they’re bound to drag it in somewhere, like for their ‘free iPhone’ benefit or something.
 
SaiyanZ said:
There seems to be a lot of focus on the weekly money goal here and the spending required. The weekly money goal doesn't affect your interest rates or your discounts. It's just a minor additional benefit for people who swipe their card more often which benefits the bank as well. Getting that goal just gives you an additional play on the gameboard and it accumulates so if you miss it one week, you'll get it the next week or the following week. They could completely do away with this weekly goal and the overall product will be barely changed.

All it gives is most likely a smoothie worth of reward so it's not worth going out of your way to get a lot of swipes.
Click to expand...
Yes, but if it's free, I want it
 
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