I'd still say eBucks then, no way capitec paying you hundreds of rands every month to bank there.
After bank charges I clear 800 to 900 a month, I know guy who are clearing over 4k a month in eBucks.
The nice thing is if you use the calculator a thumb suck can give you a good idea in like 2 minutes but if u that way inclined you could pull your current statements, spend like 30 minutes doing the math and then have a really good idea.
With discovery it's "pay us R300 a month and maybe, if you lucky, you'll get something out"