The Discovery Bank Black Credit Card Account stands out with a robust reward structure and premium travel benefits. Aimed at high-income professionals, it requires a qualifying income of R850,000 to R2.5 million per year.

With a monthly fee of R255 effective from July 2025, cardholders can enjoy up to 55 days of interest-free credit on selected transactions. The card also offers dynamic interest rates depending on your Vitality Money status, as well as a flexible credit facility for managing daily expenses and long-term purchases.

How to Apply for the Discovery Bank Black Credit Card

• Visit the Discovery Bank official site and navigate to the Black Card Credit Account.
• Check you meet the qualifying income and age requirements for applicants.
• Complete the online application by submitting your personal and financial information.
• Upload required supporting documents for identity and income verification.
• Submit your application and wait for approval. Once approved, receive your card and activate it via the app.

Outstanding Benefits

The Discovery Bank Black Credit Card shines with lucrative rewards. Cardholders receive up to 50% back on healthy food and personal care purchases at leading retailers, and up to 15% back on fuel and Uber rides.

Premium travel perks are a highlight, including discounts of up to 60% on local flights and up to 50% on international flights. Lounge access at major South African airports and over 1,200 international lounges enhances your experience.

You’ll also enjoy automatic warranty extensions on purchases, comprehensive app tools, and free multi-trip international travel insurance for added peace of mind during travel.

Considerable Drawbacks

One of the key drawbacks is the high minimum income requirement, restricting access to high earners. The monthly account fee may also deter those seeking lower-cost banking solutions.

Furthermore, many premium benefits are tied to your Vitality Money status, meaning you’ll need to engage proactively with the Discovery ecosystem to maximise rewards. Some clients might find this restrictive.

Final Verdict

Discovery Bank’s Black Credit Card Account is well-suited for high-income professionals who frequently travel and appreciate rich rewards. The travel discounts, dynamic rates, and exclusive perks set it apart, but accessibility is limited by strict qualifying criteria. It’s a smart choice for those who can fully leverage the rewards and value-added services through active participation.