Discovery Bank

ECHLN said:
I think they don't care. As long as you pay the monthly fee, they seem to be happy. I think I might do the same once Discovery supports PayPal withdrawal, electricity purchases and data purchases and I can finally leave FNB altogether.
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But you can currently pay electricity and data purchases?
 
ies87 said:
All platinum Visa cards have this, it’s not unique to Discovery Card.
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Matthys Geyser said:
Friend of my contacted them about that, what was said to him --> Do not include mobile phones. I finally found it. Those benefits for the cards are actually from VISA, not discovery

And:

And the extended warranty for phones is 12 months from date of purchase.
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Beware, this is not entirely true. For one, Visa benefits are not equal across countries and typically we are not as covered as in the US. Do not use this document for reference - it is for US based cards and shows dollar denominated amounts. For US cards, travel insurance, car rental insurance, even price matching refunds (if you buy a product and a short time later it goes on discount) are quite standard. In my experience with SA cards, banks seem to opt into which of these benefits they wish to include from Visa.

In fact, most entry level credit cards in other parts of the world are free of monthly fees too - because cards are so lucrative to banks on interchange fees.

For another, Discovery is the first instance in which I have actually seen the inscription "Visa Signature" on a South African card, despite other banks having similarly tiered accounts. Best practice is still to confirm these benefits with your bank, before you get caught in a situation where your expectations don't meet the reality. I called into FNB a year ago only to realise that their card didn't even have a rental car insurance waiver associated.
 
I see I got all my miles for the downtime period backdated. Got about 6000 miles on Friday. Miles Fee refund, Uber rewards and backdated miles from Old Card.
 
SaiyanZ said:
I see I got all my miles for the downtime period backdated. Got about 6000 miles on Friday. Miles Fee refund, Uber rewards and backdated miles from Old Card.
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Yeah but they still only base miles which still keeps the earn rate lower than putting similar effort into ebucks.
 
Sphinx21 said:
For another, Discovery is the first instance in which I have actually seen the inscription "Visa Signature" on a South African card, despite other banks having similarly tiered accounts. Best practice is still to confirm these benefits with your bank, before you get caught in a situation where your expectations don't meet the reality. I called into FNB a year ago only to realise that their card didn't even have a rental car insurance waiver associated.
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All my Nedbank black cards say "Visa Signature" on them, and have for years...
 
The_David said:
Yeah but they still only base miles which still keeps the earn rate lower than putting similar effort into ebucks.
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Yeah, the earn rate doesn't seem too great. Hopefully they will improve it. Still something for now though.

I just used 15000 miles to pay for the remainder of a flight. So that makes two return flights from JHB to DBN this year that have fully paid with discounts and miles. Around R4000 worth of flights.
 
Sphinx21 said:
Beware, this is not entirely true. For one, Visa benefits are not equal across countries and typically we are not as covered as in the US. Do not use this document for reference - it is for US based cards and shows dollar denominated amounts. For US cards, travel insurance, car rental insurance, even price matching refunds (if you buy a product and a short time later it goes on discount) are quite standard. In my experience with SA cards, banks seem to opt into which of these benefits they wish to include from Visa.

In fact, most entry level credit cards in other parts of the world are free of monthly fees too - because cards are so lucrative to banks on interchange fees.

For another, Discovery is the first instance in which I have actually seen the inscription "Visa Signature" on a South African card, despite other banks having similarly tiered accounts. Best practice is still to confirm these benefits with your bank, before you get caught in a situation where your expectations don't meet the reality. I called into FNB a year ago only to realise that their card didn't even have a rental car insurance waiver associated.
Click to expand...
My FNB global account is a visa signature card...
 
Sphinx21 said:
Beware, this is not entirely true. For one, Visa benefits are not equal across countries and typically we are not as covered as in the US. Do not use this document for reference - it is for US based cards and shows dollar denominated amounts. For US cards, travel insurance, car rental insurance, even price matching refunds (if you buy a product and a short time later it goes on discount) are quite standard. In my experience with SA cards, banks seem to opt into which of these benefits they wish to include from Visa.

In fact, most entry level credit cards in other parts of the world are free of monthly fees too - because cards are so lucrative to banks on interchange fees.

For another, Discovery is the first instance in which I have actually seen the inscription "Visa Signature" on a South African card, despite other banks having similarly tiered accounts. Best practice is still to confirm these benefits with your bank, before you get caught in a situation where your expectations don't meet the reality. I called into FNB a year ago only to realise that their card didn't even have a rental car insurance waiver associated.
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You can check here for Visa Africa's policies. https://visacards.africa/
You can create an account, link your card and it tells you what you get on your card. You can also submit claims and get other services there.
I've had a Visa Signature card from Nedbank for years, Discovery isn't the first to have this.
For reference VISA Policy Doc for SA is attached, it details your cover and who you can contact in SA to claim.
 

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ies87 said:
I finally have a ‘Change Account Colour’ button but when I put my income in it says no upgrade offers found. I’m looking to downgrade from black to plat. Has anyone been able to downgrade?
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Also tried to downgrade. No joy. I asked and wasn't told "this functionality is not available yet. It'll be available soon"
 
nullv said:
You can check here for Visa Africa's policies. https://visacards.africa/
You can create an account, link your card and it tells you what you get on your card. You can also submit claims and get other services there.
I've had a Visa Signature card from Nedbank for years, Discovery isn't the first to have this.
For reference VISA Policy Doc for SA is attached, it details your cover and who you can contact in SA to claim.
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There site seems to be broken. I can't put in my card number.
 
ECHLN said:
There site seems to be broken. I can't put in my card number.
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Try the LoungeKey app? Works for me.

I also have a Visa Signature card from Nedbank. I’m entitled to 10 visits with that card though, not 6 like Discovery. When I swipe the card the stubs usually say Visa Infinite though, not Visa Signature. Maybe that’s why.
 
nullv said:
Also tried to downgrade. No joy. I asked and wasn't told "this functionality is not available yet. It'll be available soon"
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“Soon”. I detest that word. It’s been “coming soon” since June.
 
So are the flight discounts only applicable for one flight per year? I did not see that mentioned anywhere on their website...ridiculous.
 
nullv said:
You can check here for Visa Africa's policies. https://visacards.africa/
You can create an account, link your card and it tells you what you get on your card. You can also submit claims and get other services there.
I've had a Visa Signature card from Nedbank for years, Discovery isn't the first to have this.
For reference VISA Policy Doc for SA is attached, it details your cover and who you can contact in SA to claim.
Click to expand...
Thanks! I never claimed to have seen all cards and have never banked with Nedbank.

The important point is that policies differ in different geographies - thank you for posting the relevant document.
 
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