Discovery Bank

Koosvanwyk said:
Anyone signed up for the free IPhone? How are you tracking towards achieving all the goals. I should easily make health and drive, money as well if it was not for the issue where the bank does not send though all transactions to vitality. On average I have had 3- 4 points missing every week since getting the card which makes a difference between reaching the 25 target and not.
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Vitality money should be the easiest. Remember Discovery takes the highest earning transaction within the hour period.
 
beefymoocow said:
Vitality money should be the easiest. Remember Discovery takes the highest earning transaction within the hour period.
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I can't recall reading this in any of the limited info available. Assume your statement above should be "Remember Discovery takes the highest earning transaction within the hour period for purchases at the same vendor"?

In any event, my missing transactions are random ones.

What I have found is that Partner Stores (PnP, Woolworths etc), always show up quickly.

Purchases from other vendors are the ones causing problems.

By example, at PnP we would split the purchase between healthy items, non healthy items and prepaid electricity (need to use a different POS for this) and would get points on each transaction even though the transactions are minutes apart.

Do the same at say Spar, by something in shop and visit the Tops next door resulting in two transactions, and points only awarded for one transaction.This makes no sense.

Then there are other vendors where I have made multiple purchases on different days but have not earned any points on these transactions (including hardware stores, bulk retailers etc).
 
Koosvanwyk said:
I can't recall reading this in any of the limited info available. Assume your statement above should be "Remember Discovery takes the highest earning transaction within the hour period for purchases at the same vendor"?

In any event, my missing transactions are random ones.

What I have found is that Partner Stores (PnP, Woolworths etc), always show up quickly.

Purchases from other vendors are the ones causing problems.

By example, at PnP we would split the purchase between healthy items, non healthy items and prepaid electricity (need to use a different POS for this) and would get points on each transaction even though the transactions are minutes apart.

Do the same at say Spar, by something in shop and visit the Tops next door resulting in two transactions, and points only awarded for one transaction.This makes no sense.

Then there are other vendors where I have made multiple purchases on different days but have not earned any points on these transactions (including hardware stores, bulk retailers etc).
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It’s wasn’t on their website. But someone was in this forum mention this rule. It makes sense i guess. It’s to prevent people from paying their electricity bill online R50 at a time.
 
beefymoocow said:
It’s wasn’t on their website. But someone was in this forum mention this rule. It makes sense i guess. It’s to prevent people from paying their electricity bill online R50 at a time.
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I’ve been doing that, I get points. Top up my Amazon account with £3 at a time - sometimes like 10x in a row and they all qualify. Sure they’ll figure it out soon and close that loophole. I really hope they change the Vitality Money programme soon though. Discovery Bank customers are going to get a bad reputation for splitting transactions up and being painful. The point is, after all, ‘responsible spending’ and frivolous swiping is hardly responsible.
 
ies87 said:
I’ve been doing that, I get points. Top up my Amazon account with £3 at a time - sometimes like 10x in a row and they all qualify. Sure they’ll figure it out soon and close that loophole. I really hope they change the Vitality Money programme soon though. Discovery Bank customers are going to get a bad reputation for splitting transactions up and being painful. The point is, after all, ‘responsible spending’ and frivolous swiping is hardly responsible.
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True but they probably allowing it for now for the stats so they can brag how many transactions their customers are doing and still keeping their financial discipline. It will largely affect the vendors cause I know for pay@ accounts they charge a fixed fee of like R5 plus a percentage.
 
beefymoocow said:
True but they probably allowing it for now for the stats so they can brag how many transactions their customers are doing and still keeping their financial discipline. It will largely affect the vendors cause I know for pay@ accounts they charge a fixed fee of like R5 plus a percentage.
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Yeah I guess. Don’t think large companies like Amazon pay those rates though. I tried splitting my purchase at Woolworths up once but it was too painful and you just hold up the queue. I actually considered getting one of those portable Yoco card machines to swipe my own card. 3,3% transaction fee and the money gets paid back into my account. But their terms state that you can only use it for genuine transactions so it’s not an option.
 
ies87 said:
Yeah I guess. Don’t think large companies like Amazon pay those rates though. I tried splitting my purchase at Woolworths up once but it was too painful and you just hold up the queue. I actually considered getting one of those portable Yoco card machines to swipe my own card. 3,3% transaction fee and the money gets paid back into my account. But their terms state that you can only use it for genuine transactions so it’s not an option.
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Register self for snapscan? I think fee only 3%
 
Gtx Gaming said:
Register self for snapscan? I think fee only 3%
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Haha thanks I’ll look into it. But I’m ok with not achieving my goal for now. I don’t have the iPhone benefit so apart from the play there’s very little reason to bother. Health and Drive goals I totally get and I never fail to achieve them. Money goal is just going to lead to psychological problems though.
 
Different question, has anyone received the 10%-15% fuel back from Vitality Money. Got my cash back from vitality drive but nothing yet from vitality money since i have been with the bank
 
beefymoocow said:
True but they probably allowing it for now for the stats so they can brag how many transactions their customers are doing and still keeping their financial discipline. It will largely affect the vendors cause I know for pay@ accounts they charge a fixed fee of like R5 plus a percentage.
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Which pay@accounts are U referring to?

Does one ears dMiles paying your municipality account at pick n pay?
 
twr said:
Which pay@accounts are U referring to?

Does one ears dMiles paying your municipality account at pick n pay?
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1 or 2 years ago I contacted pay@ and asked them a quote for a pay@ number. This was when fnb was dishing out checker vouchers at 40% off as if it was Christmas. Lol.
 
I upgraded to black card by just typing in that I earn 80k a month, they did not ask any proof yet. The account is showing the black card now, waiting for delivery now.

Only did this for the additional flight discounts.
 
Gtx Gaming said:
I upgraded to black card by just typing in that I earn 80k a month, they did not ask any proof yet. The account is showing the black card now, waiting for delivery now.

Only did this for the additional flight discounts.
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But these flight discounts is only one a year? Maybe I should also upgrade I could do with the lounge visits,but will they not ask for proof of income in due course?
 
twr said:
But these flight discounts is only one a year? Maybe I should also upgrade I could do with the lounge visits,but will they not ask for proof of income in due course?
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Indeed I think it is 2 international flights currently, with 25% discount it's the same price with air France to go to swedan the Emirates, the additional 25% discount will save me around 5k per person I think.

Hopefully they never ask for proof, fnb never did when I upgraded.
 
Gtx Gaming said:
I upgraded to black card by just typing in that I earn 80k a month, they did not ask any proof yet. The account is showing the black card now, waiting for delivery now.

Only did this for the additional flight discounts.
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The dynamic discount % at lower spending bands on black is lower compared to platinum & gold. Dynamic discounts also kick in at a lower monthly spend on platinum & gold compared black. Before upgrading to black make sure you actually spend enough per month on credit card purchases.
 
Koosvanwyk said:
The dynamic discount % at lower spending bands on black is lower compared to platinum & gold. Dynamic discounts also kick in at a lower monthly spend on platinum & gold compared black. Before upgrading to black make sure you actually spend enough per month on credit card purchases.
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Oh that's probably why it not showing more discount.

Will check what the best way is for generating fake spend lol
 
Gtx Gaming said:
Oh that's probably why it not showing more discount.

Will check what the best way is for generating fake spend lol
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Here are the different spend bands. It is based on monetary value of credit card purchases and online purchases, not sure you can generate "fake" spend without going though a lot of effort
 

Attachments

beefymoocow said:
Doesn’t correspond to my banking app. I got a black credit card and on gold for money but getting 62.5%.
View attachment 723778
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I cannot view the attachment(on phone) but assume the 62.5% is for health Mine ties back nicely to my normal vitality health + vitality money cash back % and have done since since the start.

Oddly they use spend in previous month to determine dynamic discount as opposed to average spend over a number of months, this makes it a bit volatile
 
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