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Discovery Bank
Monthly fee is R180, income required R350,000–R850,000 per year. Enjoy up to 55 days interest-free, flexible credit facility, and premium travel rewards.
The Discovery Bank Platinum Credit Card Account offers South Africans a compelling set of banking features. With a qualifying income between R350,000 and R850,000 per annum, you can open this account for R180 per month. Benefit from an interest-free period of up to 55 days on qualifying transactions and a highly flexible credit facility. There is also dynamic interest on positive balances up to 1.1%, with savings rates reaching 5.25% and borrowing rates up to 5% less than standard.
How to Apply
- Check you meet the income and eligibility requirements.
- Visit the Discovery Bank website to start the application.
- Submit proof of income and identification documents.
- Complete the online forms and await approval.
- Once approved, activate your card in the app.
Advantages
The card shines with its Vitality Money rewards programme, which can give you massive value—the more you manage your health and finances, the higher your rewards. Standout features include up to 50% back on healthy groceries and personal care purchases, and generous travel savings locally and internationally, plus exclusive lounge access at SA airports.
Another benefit is the app’s advanced control, offering rich insights, seamless digital management, real-time forex accounts, and easy spending with various digital wallets.
Disadvantages
This card’s monthly fee of R180 may be high for budget-conscious users or those who won’t maximise the rewards. The product is best for clients already invested in Discovery’s broader ecosystem and Vitality programmes—the highest benefits are unlocked only with active engagement.
If you don’t travel or shop at partner stores regularly, the account’s perks may be harder to realise, and some may prefer more universal cash-back cards.
Our Verdict
If you earn within the required bracket, are proactive about your health and finances, and want lifestyle and travel rewards, the Discovery Bank Platinum Credit Card is a strong option. Its combination of flexibility, app-first banking, and premium perks makes it appealing for modern, reward-oriented South Africans.
