Nobody will be in business to make a loss.
However you need to look at your personal situation to see if it benefits you.
Vitality fee I basically get back with the discount in gym fees. The other benefits are secondary, although I saved R2k on an international flight this year.
Ebucks is a completely different story, the only additional effort we needed to put in with the new rules is to dip into overdraft for one day to maintain the highest reward level, with the previous rules the was nothing extra required.
The overdraft fee is around R40, the amount of ebucks ranges from R1k - R2k & with 40% discounted makro vouchers we have managed to save lots while accelerating purchases of appliances, etc.
Agree with you but you on top of it like I am so works for me.My point is most people are not hence why they make it complicated or try too many programs instead of sticking with one