Discovery Bank

ECHLN said:
I have 3 HealthFood cards. One came when I first joined with Discovery Bank but then another was also in my mail box and the third came when I upgraded my card. How do I find out or know which is the one to use?
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The card number will be on the Discovery web site, under vitality, then rewards, wait a few minutes for it to load, go the PnP sections, select learn more and there should be a section to replace your card ( it is called healthyfood partner cards). It should also state the current card number there
 
Sphinx21 said:
Discovery is all about the cross-sell. The banking benefits are mostly a furthering of the Discovery Health and Insure benefits - so clients are incentivised to take out all products and moving away becomes very difficult. It's a shrewd business tactic, but the rewards also add up nicely when one is fully in the ecosystem.

I've just signed up for insure. Can anyone guide me on how the vitality drive benefits work? It doesn't seem to reflect for me in the main app, only in the drive app. When does weekly progress reflect (for active rewards)? I don't see my progress circle moving as my event free kms add up. Also, will the dashboard on the website only update at month-end? Thanks in advance!
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Drive is really broken when you start with it. I just switched back and my km also not showing up yet. When it was working it showed up almost instantly after it uploaded.

Took about 3 months to get it working last time. Once it is was working it will show the trips in the app, currently mine records and uploads but does not show the trips taken.
 
Sphinx21 said:
I've just signed up for insure. Can anyone guide me on how the vitality drive benefits work? It doesn't seem to reflect for me in the main app, only in the drive app. When does weekly progress reflect (for active rewards)? I don't see my progress circle moving as my event free kms add up. Also, will the dashboard on the website only update at month-end? Thanks in advance!
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The dashboard only updates around the 10th of each month. You will have no data in the dashboard until the 10th of next month.

The active rewards circle also does not work correctly in month 1 on the app. You should however still be getting the active rewards weekly if you make the 100km event free distance. It should update to "Achieved" on Saturday late afternoon (at the latest) on the app if you made the 100km event free trip even though the circle did not move

It takes about 3 months for your drive history to build up and for Discovery to accurately allocate you drive points.

If you want to check if the DQ Track is working and that Discovery is receiving the data, you can view your trips in the DQ Mapper, not sure how it works if you are using the cell phones based device.
 
Koosvanwyk said:
You can now link your PnP smartshopper card directly to Discovery, you no longer need the healthy food card. I have no idea how it works, but it is clear on the discovery web site that you can it. Was changed about a week ago
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My smartshopper is integrated into Tymebank so it fails when I try to link - Discovery did not think this banking thing through to be honest.
 
Thor said:
Yea they lied outright. I took them to the ASA, nothing happened as usual.


To get 100% you need the ank account (25%)
+
Either Life insurance minimum spend R300
OR
Medical minimum spend R1077
+
Vitality @ R250
Click to expand...

Ah well, that is dissapointing.
 
Thor said:
My smartshopper is integrated into Tymebank so it fails when I try to link - Discovery did not think this banking thing through to be honest.
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It might be that they did actually think it through and they are actively blocking linking to 2 rewards systems (not familiar with Tymebank and if this is a rewards programme offered by the bank)?
 
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I'm undecided whether the 'healthy banking' is a good idea or not, and judging by some of the comments here, I'm not the only one.

I think the idea of interest rates linked to one's vitality status is a novel enough idea. Not so sure about the spend requirements though.

I personally think how much and how frequently one spends is a deeply personal thing.

Certainly in my case I strive for simplicity and a minimalist financial approach. Unfortunately I will be 'penalised' if I had to take this approach with Discovery Bank.
 
Koosvanwyk said:
It might be that they did actually think it through and they are actively blocking linking to 2 rewards systems (not familiar with Tymebank and if this is a rewards programme offered by the bank)?
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Then they are blocking me from using Pick 'n Pay as my primary.

Smart shopper and Tymebank is one. You get it integrated with your card. They should have stuck to medical.
 
Thor said:
Then they are blocking me from using Pick 'n Pay as my primary.

Smart shopper and Tymebank is one. You get it integrated with your card. They should have stuck to medical.
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Smart shopper points accumulate excruciatingly slowly. Not sure how much better they become with Tyme; but even the lowest threshold of 25% back on healthy food beats any return you're going to get on purely spend based systems.
 
Sphinx21 said:
Smart shopper points accumulate excruciatingly slowly. Not sure how much better they become with Tyme; but even the lowest threshold of 25% back on healthy food beats any return you're going to get on purely spend based systems.
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Tymebank is double the smart shopper and it count for everywhere and on anything, so whether I spend on shoes at Mr price or buy a TV at game I get smart shopper points.

Discovery does not come close, but that not the issue, the issue is discovery wants you to link a smart shopper blue card you don't get that with Tyme you get that all thing integrated and I can't get a new smartshopper card because it's linked to my ID which is linked to an active account (Tymebank).

As far as rewards goes it's
Ebucks
Tymebank
Discovery
 
Question: With regards to the PnP Cash Back, Discovery Sent a healthy foods card with the Credit Card, so I need to have a Smart Shopper Card and this Healthy Foods card? Does it have to be swiped in any order? Healthy Foods -> Smart Shopper -> Discovery Card?
 
Recallza said:
Question: With regards to the PnP Cash Back, Discovery Sent a healthy foods card with the Credit Card, so I need to have a Smart Shopper Card and this Healthy Foods card? Does it have to be swiped in any order? Healthy Foods -> Smart Shopper -> Discovery Card?
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I haven’t seen any official communication on this, but it looks like the healthy food card is falling away / not necessary. Just link your smart shopper card to the healthy food benefit.
 
Recallza said:
Question: With regards to the PnP Cash Back, Discovery Sent a healthy foods card with the Credit Card, so I need to have a Smart Shopper Card and this Healthy Foods card? Does it have to be swiped in any order? Healthy Foods -> Smart Shopper -> Discovery Card?
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Someone correct me if I'm wrong but all you need to do is swipe your Smart Shopper Card and then use your Discovery card
 
Recallza said:
Question: With regards to the PnP Cash Back, Discovery Sent a healthy foods card with the Credit Card, so I need to have a Smart Shopper Card and this Healthy Foods card? Does it have to be swiped in any order? Healthy Foods -> Smart Shopper -> Discovery Card?
Click to expand...
Any order is fine.

But you only need swipe smart shopper if you link healthy food to it.
 
Gtx Gaming said:
Any order is fine.

But you only need swipe smart shopper if you link healthy food to it.
Click to expand...

Oh, so then what's the point in the healthy food card? I thought swiping Smart Shopper and Discovery Credit Card equals this standard cash back based on Viality, and by adding the new Healthy Foods card, it gives the Discovery Bank Cash back?
 
ies87 said:
I haven’t seen any official communication on this, but it looks like the healthy food card is falling away / not necessary. Just link your smart shopper card to the healthy food benefit.
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I can confirm this. I came across it whilst reading about the rewards on the discovery site. If I find the link I will post it.
 
Thor said:
Then they are blocking me from using Pick 'n Pay as my primary.

Smart shopper and Tymebank is one. You get it integrated with your card. They should have stuck to medical.
Click to expand...
I wonder if you had linked Smartshopper and Discovery first (before Tymebank) and after that Tymebank if the same would have happened ?
 
Thor said:
Tymebank is double the smart shopper and it count for everywhere and on anything, so whether I spend on shoes at Mr price or buy a TV at game I get smart shopper points.

Discovery does not come close, but that not the issue, the issue is discovery wants you to link a smart shopper blue card you don't get that with Tyme you get that all thing integrated and I can't get a new smartshopper card because it's linked to my ID which is linked to an active account (Tymebank).

As far as rewards goes it's
Ebucks
Tymebank
Discovery
Click to expand...
Not that sure how Smartshopper points work, but remember reading, when PnP changed the T&C a while back, that you get R10 back for 1000 smartshopper points. Is that still the case, and does it work differently with Tymebank ?

I don't buy a lot of Healthyfood items, but get about R400 back per month on this (25% of total spend), which goes up to R 800 with the difference (extra R400) coming from the bank (another 25% of total spend).

Using the R10 / 1000 smartshopper points conversion rate that is 80,000 points needed to get the same R 800 back. How much do you need to spend to get 80,000 points ?
 
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Koosvanwyk said:
Using the R10 / 1000 smartshopper points conversion rate that is 80,000 points needed to get the same R 800 back. How much do you need to spend to get 80,000 points ?
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It's not how much it's on what that bugs me with Discovery, I am not a vegan so the healthyfood has zero relevance to my diet I eat red meat and lots of it.

With Tymebank you get points on "anything" - food, TVs, shoes, rent, electricity - everything.
 
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