Quick Facts
What is the Discovery Credit Card?
The Discovery Credit Card is unlike any other credit card in South Africa. Through Vitality Money - Discovery's behaviour-based rewards programme - your interest rate can be dramatically reduced based on your healthy lifestyle choices and smart financial behaviours.
While most credit cards offer fixed rates or minor variations based on credit score, Discovery rewards you for how you live and manage money. Track your steps, manage your spending, and save regularly, and you could see your interest rate drop from a standard 20% to as low as 5%.
Beyond the interest discount, you'll earn Discovery Miles on every purchase, get up to 25% fuel cashback at BP, enjoy lounge access depending on your card tier, and benefit from comprehensive purchase and travel protection. It's a premium offering for those willing to engage with the ecosystem.
Key Features
Fees & Charges
| Fee Type | Amount |
|---|---|
| Monthly Fee (Purple) | R70 |
| Monthly Fee (Black) | R150 |
| Annual Fee | R840 - R1,800 |
| Cash Advance Fee | 4% (min R40) |
| Over Limit Fee | R150 |
| Late Payment Fee | R150 |
* Monthly fees depend on your card tier. The interest discount through Vitality Money can significantly reduce your effective cost of credit.
Requirements
How to Apply
Open Discovery Bank account
Download the Discovery Bank App and open a Transaction Account. You'll need to complete FICA verification.
Apply for credit card
Once your account is active, apply for a credit card through the app. Choose between Purple, Gold, or Black tier.
Get instant decision
Discovery Bank provides an instant decision on your application with your approved credit limit and interest rate.
Activate Vitality Money
Link your card to Vitality Money to unlock interest rate discounts based on your healthy behaviours and financial habits.
Receive and activate card
Your card will be delivered. Activate it instantly in the app and start enjoying your rewards and benefits.
Pros & Cons
Advantages
- Up to 75% interest rate discount with Vitality Money
- Excellent rewards for healthy lifestyle
- Up to 25% BP fuel cashback
- Discovery Miles on all purchases
- Innovative app with great features
- Potential for very low interest rates
Disadvantages
- Higher minimum income (R10,000)
- Requires Discovery Bank account
- Best benefits need active Vitality participation
- Higher monthly fees than basic cards
Frequently Asked Questions
Ready to Apply?
Get your Discovery Credit Card and start saving on interest with Vitality Money.
Apply Online Call 0860 11 BANKWhy Choose This Card?
- 75% Interest DiscountWith Vitality Money
- 25% Fuel CashbackAt BP stations
- Discovery MilesOn every purchase
Engage to Benefit
The biggest benefits come from active participation in Vitality Money. If you won't engage with the programme, the card's value proposition is reduced. Always pay your full balance to maximise the interest discount benefit.
Compare Options
See how this card compares to other credit cards in South Africa.
View All Credit Cards →Turn Healthy Living into Savings
Apply for the Discovery Credit Card and unlock up to 75% interest discount with Vitality Money.