It's a bit complicated as the answer is "it depends". Particularly, it depends on what you're hoping to get out of it and what you currently have with Discovery. IMO, if you already have multiple Discovery products (mainly Health and Bank), Vitality (including Vitality money) is worth it - I get back roughly R1,500 - R2,000 a month in miles before the extra savings on D Day and the flight and gym benefit. This more than pays for my Vitality and Banking fees (probably about R500 a month). But again, if I didn't have Health and Bank, it probably wouldn't be worth it.