Superior banking with the best rewards
The Discovery Bank Black Suite is the perfect choice for the professional looking for exclusive travel and other benefits, personalised features, and world-class service.
Your full banking suite comes with an enhanced credit card, paired with a superior transaction account, and the most flexible single credit facility in the market. Your monthly fee includes most transactions, plus up to 30 free real-time payments. You also get access to unlimited free savings accounts and the only Real-Time Forex Accounts, available 24/7 on your banking app, at no additional monthly fees.
Engage with our Vitality Money programme and unlock your personalised shared-value stack of lifestyle and travel rewards. You can get unprecedented local and international flight savings and get faster security clearance at OR Tambo and Cape Town International Airports. Plus you can relax in style with access to The Lounge in South Africa and over 1,200 airport lounges worldwide.
And that's only the beginning.
Up to 50%
back on healthy groceries in-store at Checkers or Woolworths, and online with Checkers Sixty60 or Woolworths Online, Woolies App and Woolies Dash.
Up to 50%
back on personal care items at Clicks or Dis-Chem with HealthyCare, and on baby essentials at Babies R Us, Toys R Us or Dis-Chem Baby City with HealthyBaby
Up to 15%
back on fuel purchases at bp and select Shell service stations, and up to 15% back on Uber rides
Up to 5%
back on Bank-Integrated Discovery Life plan premiums
You'll receive 10 Discovery Miles for every R1 reward you earn back.
Earn base Discovery Miles on all qualifying credit card and multicurrency debit card purchases as you spend throughout the month. Plus, earn higher base Discovery Miles when you use a virtual card, depending on your Vitality Money status.
Earn thousands of Discovery Miles every week on the new,
personalised gameboard with Vitality Active Rewards
Your goals
Achieve your weekly Spend, Exercise or Drive goal to unlock Activity tiles of up to Ð1,500
Your products
Unlock the Discovery tile of up to Ð750 based on how many Discovery products you have
Your spend
Spend at our grocery, pharmacy and fuel partners to unlock the Partner Spend tiles of up to Ð1,500 for the chance to earn your largest weekly transactions back
Get up to 30% off when you spend your Discovery Miles:
With a Discovery Bank Black Suite, you could get up to 15% off when you spend your Discovery Miles throughout the month:
Up to 15% off when you shop with your Discovery Miles at over 40 great online and in-store retail partners. Plus, this doubles to up to 30% off for 24 hours on Miles Ð-Day on the 15th of every month
Up to 15% off when you use your Discovery Miles to buy airtime, data, prepaid water, prepaid electricity or digital vouchers on the banking app
Up to 15% off when you spend them on a range of exciting rewards in the Vitality Mall
You can also:
Spend your Discovery Miles on flights, holiday accommodation and car hire
Exchange your Discovery Miles for cash
Or send them to your contacts with a Discovery Miles Account
Save more and pay less with Dynamic Interest Rates
As a Discovery Bank client, you can control your interest rates with your Vitality Money status through Dynamic Interest Rates. With a Discovery Bank Black Suite, you can get:
Up to 1.6% interest on your positive balances in your everyday accounts.
Up to 6.75% interest on demand savings accounts.
Up to 7% less interest on your borrowing rate.
Get an Apple Watch on us
Get a new Apple Watch from iStore with Discovery Bank and Vitality, and fund it in full by reaching your weekly Vitality Active Rewards Exercise goals over 24 months.
Access a world of unparalleled travel discounts in the most convenient way
Vitality Travel is the first-of-its-kind, one-stop travel booking platform in South Africa that you get exclusive access to with Discovery Bank.
Enjoy unprecedented discounts on a wide range of local and international flights, holiday accommodation, car hire and exciting travel experiences.
Travel benefits and services
- You can now book your discounted local and international flights in the Discovery Bank app - tap, tap, fly!
- Free multi-trip international travel insurance with flight tickets purchased using your Discovery Bank Black cards
- International cover for rental car collision damage
- The ability to make purchases and cash withdrawals worldwide, wherever Visa is accepted.
Up to 75%
off local flights
Get 10% to 75% off six one-way local flights with our partner airlines, plus an unlimited 10% off afterwards
Up to 50%
off international flights
Get 10% to 50% off two return regional or international bookings with our partner airlines, plus an unlimited 10% off afterwards
Up to 25%
off holiday accommodation
and car hire
Get 10% to 25% off unlimited local accommodation and car hire
Plus, use Discovery Miles to pay for thousands of non-discounted local and international listings on Vitality Travel through Booking.com
Up to 15%
back on your next beach holiday, cruise or city adventure
Get up to 15% cash back on Dream Destinations travel experiences with Contiki, Royal Caribbean International and World Leisure Holidays
Enjoy access to The Lounge, a partnership between Discovery Bank and SAA at OR Tambo, Cape Town, King Shaka and Chief Dawid Stuurman International Airports. Get up to 24 domestic departure and up to 8 international departure visits a year for you and your guests.*
You'll also receive six visits a year to access over 1,200 airport lounges worldwide with DragonPass.
Plus, get faster security clearance with Discovery Bank Priority Fast Track at OR Tambo and Cape Town domestic departures, and spend even more time enjoying The Lounge!
*If you have an average monthly spend of at least R22,500 per month, effective 1 January 2025. Otherwise you will receive complimentary access for 2 domestic visits and 1 international visit.
Improve your finances with Vitality Money
When you join Discovery Bank, we help you review your financial health based on five key financial behaviours and you get a Vitality Money status based on this. Your Vitality Money status gives you a good indication of how well you are managing your finances.
Not only that, but your Vitality Money status is also directly linked to what rewards you can earn. That's why we'll show you the steps to improve your status and give you access to tools like our Vitality Money Financial Analyser, which uses advanced analytics to give you intelligent insights and personalised alerts to help you become better with your money. As your Vitality Money status improves, so do your rewards.
More on Vitality Money
Get the only Real-Time Forex Accounts
You can quickly and easily open our Discovery Bank Forex Accounts, available in British Pounds, Euros and US Dollars, 24/7 on the Discovery Bank app.
Get real-time rates and immediately start saving and transacting in the foreign currency of your choice. Plus, you pay no fees when you transfer and convert between your foreign currency and Rand accounts, and we'll help you manage your foreign currency allowances too!
Add your free virtual card on the banking app and link it to your smart device for fast on-the-go payments while you travel outside South Africa or order a physical debit card for cash withdrawals abroad.
Plus, as a valued Discovery Bank Black Suite client, you pay no monthly fees for your forex accounts.
Open. Convert. Save. Pay. In seconds.
What features to expect with your Discovery Bank Black Suite
An advanced and intuitive banking app
- Add more or upgrade your accounts
- Manage your cards, PINs and limits
- Check your account balances
- Track and improve your dynamic lifestyle rewards
- View your Dynamic Interest Rates
- Transfer funds between accounts
- Manage and spend your Discovery Miles
- Make international payments in over 60 currencies
- Track foreign currency allowances
- Set up beneficiaries
- Set up debit orders
- Increase credit limits
- View and export transaction history
- Use Smart Search to find transactions
- Save important receipts and documents with Smart Vault
- Make online payments and EFTs
- Get immediate in-app help from a Discovery Banker with Live Assist
- And much more!
Comprehensive banking benefits
- A transaction account for managing your day-to-day banking needs and a credit card account with up to 55 days of interest-free purchases on select credit card transactions
- Unlimited free Discovery Bank virtual cards to start using immediately after joining
- A single credit facility to help you manage your credit easily should you request an optional overdraft
- Get an effective borrowing rate of up to prime -1%
- Access secured credit from R250,000 to R5 million with your qualifying investments with Discovery Invest
- Save and transact in US Dollars, British Pounds and Euros with your complimentary Real-Time Forex Accounts
- Instantly settle medical co-payments at pharmacies like Clicks and Dis-Chem, hospitals and medical service providers with Health Pay
- Make on-the-go payments with Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, Samsung Pay and SwatchPAY!
- Pay any of your contacts who are Discovery clients, using just their cellphone number
- Withdraw cash at a till point at Checkers, Pick n Pay, Shoprite and selected Spar stores
- Make deposits at Boxer, Checkers, Pick n Pay and Shoprite stores
- Get free transaction notifications and monthly account statements
- Choose from a range of unlimited, free savings account options, with personalised interest rates for large deposits
- Access a range of Vitality Money tools to help you manage and improve your financial health
- 30 free real-time payments using Discovery Instant Pay or PayShap to other South African banks, available 24/7
- Automatic CODI deposit cover of up to R100,000 per depositor in case of a bank failure and its liquidation.
Enhanced security features
- Advanced facial-recognition technology when logging in to the banking app
- Discovery Bank Black cards use secure chip and PIN technology
- Your card can make fast and secure tap-and-go payments
- Secure tap-and-go payments with smart devices that support Apple Pay, Fitbit Pay, Garmin Pay, Google Pay, Samsung Pay and SwatchPAY!
- Additional security with Verified by Visa and Visa Checkout for online purchases
- Greater shopping convenience and security when shopping online with Discovery Bank virtual cards.
A Discovery Miles Account
- View, track, manage and spend your Discovery Miles
- Generate vouchers for in-store payments
- Purchase airtime, data, prepaid water, prepaid electricity or digital vouchers
- Exchange your Discovery Miles for cash
- Send Discovery Miles to your contacts.
Banking fees for the Discovery Bank Black Suite
With a Discovery Bank Black Suite you have a monthly fee of R569 per month that includes your monthly account fee, your Vitality Money premium, your single credit facility fee, most transaction fees and more. After that, you transact and only pay for what you use. For more details on your banking fees, please see the fees guide.
Rewards are based on your engagement in Vitality programmes, Discovery products, and monthly qualifying card spend. Discovery Bank, Auth FSP. Limits, terms and conditions apply.