Charlesjjm
Expert Member
Smart watch will do. Just check that Discovery supports it.
-
Join the MyBroadband community
South Africa’s biggest forum. Discuss, discover, and connect with thousands of members.
-
Question of the Day: How do you normally pay for purchases in stores?
Discovery Vitality 2021
- Thread starter amabacha
- Start date
AlmightyBender
Executive Member
Just get a Garmin dude, you sound like you have the lifestyle where you will enjoy having it and make good use of it
May I ask what the benefit is of getting to Diamond Health status? As far as I can see, if you get good readings for your health checks, you can maximise the HealthyFood discount regardless of whether you're Silver or Gold or Diamond. Is there some other perk to being on Diamond?
Tinuva
The Magician
I like the concept of Garmin devices but not the look. All the watches and fitbits are big, those old fitbugs weren't bad, but not supported anymore...
Tinuva
The Magician
Try samsung then. But I think the heart rate monitor on garmin is better. Its ok on. samsung watches.
Im not a fan of the size of Smartwatches in general. Does Samsung have a tiny device? Like the old fitbugs/addidas shoe tracker?
Charlesjjm
Expert Member
ros_b
Senior Member
Only on the old FNB credit card. No miles multiplier once you move to the Discovery Bank CC - which they force you to do once your current card expires.
ros_b
Senior Member
Not Really. You get 25% back on HealthyFood (once you've done your Health Check and that online assessment) on your main partner regardless of your Vitality Health status. Ditto for HealthyCare and HealthyDining.
You do get better travel rewards depending on your Vitality Health status.
Once they introduced the bank product, your Vitality Health status seems to have become less and less important.
Ahh.. That sucks. So Diamond gets me travel/hotel discounts only now... And life insurance if you're with them. Hmm.
So ignoring the cynicism alarm bells going off behind these changes to force you to switch to their banking product when they're supposed to be a health company, is it worth using discovery bank? Are you easily able to cover the cost of the banking product with the benefits received vs just canceling Vitality and sticking to cheaper banking options instead?
kfc4unme
Senior Member
- Joined
- Dec 27, 2016
- Messages
- 532
- Reaction score
- 132
If you decide to get a device, don't forget that you can get 50% off a R4000 device with Vitality Active Gear (75% if you had bank).
I'm almost at 50% and plan to get a device then.
On a side note, can anyone recommend a device for around R4000? I'm clueless in what to look for in a device.
Shot for posting this. Was thinking the same thing today on my run… where I purposely went passed the gym to get water and a pee when swiping my card (I’m still on the free gym membership) and was met with a queue. Gym is at capacity. I’m questioning the cost / benefit as well as me being on the hamster wheel. R410 for vitality to get 4-1000 back a month. Tbh I think if I didn’t have this constant need where I feel I need to keep this gym membership just in case my kids want to swim post covid. I think I’m throwing in the towel soon.
ros_b
Senior Member
I did quite a deep dive into this when my old Discovery card was nearing its expiry date. It clearly made no sense for me, with my spending patterns, to go the full transactional account route, but I do like the benefits of having a credit card, and since the Discovery Card is not insanely more expensive than what else is out there, and since I'm in the Discovery ecosystem (Health and Life), it made sense to stick with them for the CC only. Now that I've been on the CC for 7 months, I've done the calculations and it's definitely worth it for me. I'm making between R160 and R500 more each month than I did before changing over.
I've moved over to both African Bank and Tyme Bank as transactional accounts. My debit orders go through Tyme (free), and my emergency fund sits there in goalsaves. Incoming money goes into African Bank to at least get a bit of interest (4%, I think, in the "savings pocket" - EDIT: I checked, and it's 4.25%) and gets transferred to Tyme to cover debit orders. Manual EFTs can be made for free either from Tyme or African Bank.
If you don't like the idea of having a credit card, then see if you can set your credit limit on it to 0 and just put money in there to use it as a debit card. It's the cheapest way to get some of the benefits of Vitality Money.
Last edited:
Yes, I'm keeping my cc with them, but not be part of the discovery bank transactional accounts. I'm using the Discovery Bank website to use my cc, but not the discovery bank product.
My fear of Discovery Bank is actually more around the poor quality of all of their technical systems (paybacks missing, miles missing, app crashing) and I don't really want a company like that handling my finances (banking or investments), but I'm fine with short-term insurance and health with them.
Anyway, you say you're making R160 to R500 more with them, is that comparing just having the credit card with no discovery bank versus now paying for Discovery Bank?
ros_b
Senior Member
That's a comparison between having the old CC with miles multiplier to having the new credit card only, with Vitality Money. So it's the extra cashback from HealthyFood (15%), fuel (10%), the extra weekly gameboard play and the weekly exercise points to miles conversion, compared with the miles multiplier miles earned on the old credit card.
PS The new credit card with Vitality Money is slightly cheaper than the old credit card.
Thanks, thats helpful! Will have a look
RunningFromFat
Executive Member
Those of you that play the gameboard, what do you spend your points on? Im sitting at 4k saving them up for either big lego purchase or strava sub.