Welcome to Active Rewards.

It is a benefit that allows you, as a Vitality Health member, to fully fund your Apple Watch by achieving all your weekly Vitality Active Rewards exercise goals over 24 consecutive months.

If you are a Vitality 65+ member we will refund you the full activation fee of R1,199 when you sign up for this benefit. This refund is exclusive to Vitality Health members 65 years and older and applies once in a lifetime.

Apple's ground breaking health and fitness companion, Apple Watch, combined with your Vitality Active Rewards exercise goals will help motivate and encourage you to get more active.

Vitality Active Rewards has been designed to work seamlessly with your Apple Watch as you work out to achieve your exercise goals. While Apple Watch measures and tracks your activity, Vitality Active Rewards sets your weekly personalised exercise goals and rewards you for achieving them.

• You need to have Vitality Active Rewards activated. If you haven't activated it yet, download the latest version of the Discovery app and access Vitality Active Rewards under Vitality.
• You must be the primary accountholder of a qualifying Discovery Bank product linked to a Discovery Banking Suite. Secondary cardholders do not qualify for this benefit.
• Your linked Discovery Bank credit card or previous Discovery Card must be in good standing. 'Good standing' means that none of your Discovery Bank accounts and credit facilities are overdrawn, in arrears, in default or subject to any legal process with Discovery Bank - including being under debt counselling, administration or sequestration - and your verification and anti money laundering information is up to date. View your account terms and conditions for the extended definition of good standing.
• Your qualifying Discovery Bank credit card must have a credit limit of at least R15,000 and an available balance of at least R5,000 after you've paid the R1,199 Apple Watch activation fee and collected your Apple Watch Series SE GPS Aluminium Case Sport 40 mm or Apple Watch Series 10 GPS Aluminium Case Sport 42 mm from iStore. If the credit limit on your Discovery Bank credit card is not R15,000, you can request a credit limit increase by calling 0800 07 96 97.
• You need to have spent a minimum amount of R3,000 using your qualifying Discovery Bank credit card in the month before activating the benefit.
• If you are a new Discovery Bank client, you need to have transacted with your Discovery Bank credit card for at least two months.
• You must be the main member or the spouse member or an adult dependant (21 years or older) on a Vitality Health policy.

You can activate one Vitality Active Rewards with Apple Watch benefit per Vitality Health policy in a 24 month billing period.

You will need a Discovery Bank Suite to be eligible for the Vitality Active Rewards with Apple Watch benefit. You will need to pay an activation fee of R1,199 using your qualifying Discovery Bank credit card. This fee is non refundable unless you are a Vitality 65+ member.

The activation fee covers the cost of your Apple Watch Series SE GPS Aluminium Case Sport 40 mm or Apple Watch Series 10 GPS Aluminium Case Sport 42 mm through the Vitality Active Rewards with Apple Watch benefit. This only applies if you meet all your Vitality Active Rewards exercise goals over 24 months.

You can choose between an Apple Watch Series SE GPS Aluminium Case Sport 40 mm and an Apple Watch Series 10 GPS Aluminium Case Sport 42 mm. This benefit does not apply to Apple Watch Series 1, Apple Watch Series 2, Apple Watch Series 3, Apple Watch Series 4, Apple Watch Series 5, Apple Watch Series 6, Apple Watch Series 7, Apple Watch Series 8, Apple Watch Series 9 and Apple Watch Ultra.

If you have already activated the Vitality Active Rewards with Apple Watch benefit and have been using a previous Apple Watch Series to achieve your physical activity targets, you can settle the outstanding amount with Discovery Vitality by sending us a query through the Vitality Help page. We will then cancel your current Apple Watch benefit. To qualify for this, you must not have defaulted on any previous penalty deductions.

Once your Vitality Active Rewards with Apple Watch benefit has been cancelled, you can activate the Apple Watch benefit and pay the R1,199 activation fee. Please note that this will depend on the benefit eligibility criteria. You can then use your proof of purchase to collect your Apple Watch Series SE GPS or Apple Watch Series 10 GPS from the iStore.

If you want to trade in your current Apple Watch, you can contact iStore directly. If you choose to go directly to iStore and trade in your current Apple Watch without paying the remaining costs still owed on your current Apple Watch, you will still need to pay the monthly penalty if there is one.

This benefit is only available for the Apple Watch Series SE GPS Aluminium Case Sport 40 mm or Apple Watch Series 10 GPS Aluminium Case Sport 42 mm. If you would like to choose a different model (which includes the Apple Watch Series SE GPS + Cellular, Series 10 GPS + Cellular or Apple Watch Ultra), you need to pay the price difference upfront at iStore. The price difference will be based on the Series 10 GPS 42 mm watch price versus the price of the model you choose.

Our Vitality Active Rewards with Apple Watch benefit is part of a global collaboration with Apple, and so is currently only available with the Apple Watch Series SE GPS Aluminium Case Sport 40 mm or Apple Watch Series 10 GPS Aluminium Case Sport 42 mm.

There is no monthly fee if you meet all your weekly Vitality Active Rewards exercise goals for 24 months. If you don't meet your goals, your qualifying Discovery Bank credit card or previous Discovery Card will be debited with a monthly penalty amount that is calculated as a percentage of the retail price.

Example

The table below is based on an Apple Watch retail price of R7,400 at the time of collection (this is a hypothetical price for example purposes only).

If you did not meet all your weekly Vitality Active Rewards exercise goals during a particular month, up to R308.33 a month would be deducted from your qualifying Discovery Bank credit card or previous Discovery Card for that month (pricing subject to change).

If you achieved three of your four Vitality Active Rewards exercise goals that month, only R154.16 would be deducted from your qualifying Discovery Bank credit card or previous Discovery Card because of your engagement with Vitality Active Rewards.

Note: If you are unable to achieve your goals because of illness, travel needs or any other factors, you will still need to pay the monthly penalty.

Please note that our pricing of the Apple Watch is entirely dependent on the prices decided on by iStore. With the current exchange rate fluctuations, price increases are an unfortunate reality for all retailers, so when iStore prices increase, we have to reflect the same price increase with our offering.

Please note that full goal completion still results in a R0.00 deduction, so if you achieve all your weekly exercise goals every month for 24 months, you will not be billed for your Apple Watch.

• Download or update to the latest version of the Discovery app, then log in on your iPhone or go to www.discovery.co.za.
• Visit the Apple Watch webpage under Vitality Active Rewards and click on the Get started button. Please note: Only one member per Vitality Health policy can activate this benefit and fund an Apple Watch Series SE GPS or Apple Watch Series 10 GPS every 24 months.
• Follow the steps, confirm your details and pay the non refundable R1,199 activation fee using your qualifying Discovery Bank credit card. The activation fee will be deducted from your qualifying Discovery Bank credit card within the next 24 hours.
• Only one Vitality Active Rewards with Apple Watch benefit can be linked to a Vitality Health policy. If you are on a Vitality Health policy that has an active Vitality Active Rewards with Apple Watch benefit, you do not qualify to activate the benefit again.

Once you have paid your activation fee, you will get a digital proof of payment with a unique redemption code which you can access any time in your Discovery app.

Use your proof of payment to collect your Apple Watch at your nearest iStore. It cannot be used online. Your Apple Watch proof of payment is not transferable and it cannot be exchanged for cash or any other iStore product.

Your proof of payment is only valid for 90 days from its date of issue. After 90 days it will expire. You will then need to activate the benefit again for an additional R1,199 non refundable activation fee.

If at any stage you are no longer eligible for this benefit, your proof of payment will be forfeited and cancelled.

Once you have collected your Apple Watch, link it to Vitality to start earning Vitality points towards your Vitality Active Rewards exercise goals. Use the Discovery app to link your Apple Watch by navigating to the Vitality section and selecting Devices and apps.

Here's a step by step guide on how to link your Apple Watch:

• Step 1: Make sure that your iPhone has the Health app and the latest version of the Discovery app installed. The Health app is available on iPhone (you need iPhone 8 or a later model to use Apple Watch).
• Step 2: Log in to the Discovery app and navigate to the Vitality Active Rewards section and select Devices and apps from the Vitality menu.
• Step 3: A confirmation page will pop up on your screen. Click Get started to authorise the Health app and choose the data that you would like to share.
• Step 4: Once you have confirmed the information you would like the Health app to share with Vitality, click on Allow.
• You can use the Health app on your iPhone to update the data permissions that you have given Vitality. To do this:
  • Open your Health app and select Discovery from the apps under the Sources section.
  • Choose the workout information that you would like to share with Vitality.

The best way to earn Vitality points with your Apple Watch is to select the Apple Watch Workout app (green icon of a runner) on your Apple Watch, and start and end your workouts correctly to save your activity each time you get active.

Some important guidelines from Apple when wearing Apple Watch include:

• Wear your Apple Watch at the top of your wrist.
• Wear your Apple Watch snugly so that there is no gap between your wrist and Apple Watch. For best results, tighten your Apple Watch band for workouts and loosen it when you're finished.
• Wear your Apple Watch snugly so that there is no gap between your wrist and Apple Watch. For best results, tighten your Apple Watch band for workouts and loosen it when you're finished.

Please wait at least 30 minutes before syncing your workout in the Discovery app. This will ensure the accurate collection of data and allocation of points.

For additional technical support regarding this product, please visit the Apple Watch Support page: http://www.apple.com/uk/support/watch.

You have to manually sync your Health app data with Discovery Vitality using the latest Discovery app for iOS. This is because Apple Watch and the Health app do not pass data automatically, and you must log in to the Discovery app before it will share your data with Discovery Vitality.

Follow these steps to sync regularly so that you don't miss out on earning Vitality points and achieving your Vitality Active Rewards goals:

1. Step 1: Log in to the Discovery app, navigate to Vitality Active Rewards and select Devices and apps.
2. Step 2: Select Health app listed first on the page and open the Health app page.
3. Step 3: Tap the Sync data button on the Health app page. The sync will occur and the Last updated time will be updated if new Health app data was shared with Vitality. Remember to wait at least 30 minutes before syncing your workout in the Discovery app. This will ensure the accurate collection of data.

You will receive a sync reminder push notification on your iPhone at 07:00 every Friday if a manual sync did not occur in the past 24 hours. Tap the notification to open the Health app page in the Discovery app.

Discovery Vitality will set you a personalised Vitality Active Rewards exercise goal each week. We will start calculating your weekly exercise goals from the first full month after you collect your Apple Watch. Once your Apple Watch is linked to Vitality, get active and earn Vitality points to achieve your weekly Vitality Active Rewards exercise goals.

Apple Watch measures and tracks your physical activity, allowing you to earn Vitality points towards your Vitality Active Rewards exercise goal. These goals can increase or decrease based on your goal history. Discovery Vitality will start calculating your weekly goals from the first full month after you collect your Apple Watch.

No. Meeting your Apple Watch Activity app goal does not mean you have met your Vitality Active Rewards goal as well. The Apple Watch measures your movement, exercise and the time spent standing throughout the day and tracks this against certain daily targets. The Apple Watch Activity app is updated with physical activity recorded on the Apple Watch and the paired iPhone. Vitality Active Rewards sets a weekly exercise goal which represents the recommended amount of physical activity for you.

You can achieve your Vitality Active Rewards exercise goal by earning Vitality points for completing a variety of physical activities such as visiting a Vitality partner gym, tracking your workouts with an approved fitness device (like Apple Watch) or app, completing a parkrun or participating in a verified sporting event.

No. To use Apple Watch, you need iPhone XS or higher with the latest iOS.

Apple has advised that Apple Watch Series SE GPS or Apple Watch Series 10 GPS is rated water resistant up to 50 metres, so you don't need to remove it when you are swimming, whether it's in a pool or in the ocean. The new speaker allows water in, then uses sound vibrations to force it back out. However, certain bands available for Apple Watch Series SE GPS or Apple Watch Series 10 GPS are not waterproof. Please consult with iStore when you collect your Apple Watch.

For additional technical support regarding this product, please visit Apple Watch's Support page: http://www.apple.com/uk/support/watch.

To make sure that Discovery Vitality has time to calculate all your weekly Vitality Active Rewards goals in a month, Discovery Vitality will deduct your qualifying Discovery Bank credit card or previous Discovery Card, if applicable, on the 10th day of the following month, for 24 months. Please note that the penalty payment date for this benefit may be different to the deduction date you selected for your qualifying Discovery Bank credit card or previous Discovery Card account. It is your responsibility to make sure you have enough funds in your straight facility for the penalty amount, if any, to be deducted on the 10th of each month.

The reason for a higher penalty amount is that Vitality could not debit your qualifying Discovery Bank credit card or previous Discovery Card account with the Apple Watch penalty amount for the previous Apple Watch goal cycle. There are various reasons for this, such as insufficient funds and frozen accounts.

When this happens, Vitality will debit your qualifying Discovery Bank credit card with the outstanding Apple Watch penalty amount and the full monthly penalty amount for the current Apple Watch goal cycle, even if you've reached all your goals in the current Apple Watch goal cycle.

Example using the Apple Watch goal cycle for May 2025

You achieved two Vitality Active Rewards exercise goals and therefore your Apple Watch penalty for this cycle is 75%. Vitality was unable to debit your qualifying Discovery Bank credit card or previous Discovery Card owing to insufficient funds on the 10th of June 2025, resulting in an outstanding Apple Watch penalty of 75%.

In June 2025 you achieved all four exercise goals in the next Apple Watch goal cycle, which means that you would not have had any penalty amount deducted from your qualifying Discovery Bank credit card on 10 July 2025. However, because you had an outstanding penalty amount from your May Apple Watch goal cycle of 75%, the goals you achieved in June will not be taken into account, and your qualifying Discovery Bank credit card will be debited with the outstanding Apple Watch penalty for May (75%) plus the full monthly penalty for June (100%) on 10 July 2025.

If the Apple Watch monthly penalty deduction is unsuccessful on the 10th* of each month, you will be sent an email or SMS. You will be responsible for any related charges or fees. Please make sure you have enough funds in your straight facility so Discovery Vitality can try again on the 27th* and the last business day* of the month. You'll need to allow for clearance periods. If the second and third attempt also fail, you will be in default.

*Should the relevant day fall on a public holiday or a Sunday, the collection attempt may then be scheduled for a day earlier or later. If Discovery Vitality is still unable to collect the amount, the outstanding balance will be for your account and default interest will be charged on it. Please check www.discovery.co.za for default interest rates

Your Apple Watch penalty amount is based on the number of weekly Vitality Active Rewards exercise goals you achieved in a month. The penalty amount is calculated as a percentage of the retail price of the Apple Watch at time of collection.

Please go to the Discovery app and navigate to Activity History under Vitality Active Rewards to view the number of goals you achieved in the month and the activities related to achieving these goals.

If you have viewed your goals and still think your Apple Watch penalty amount is incorrect, please log in to www.discovery.co.za and send us a query through the Vitality Help page.

There are various reasons why your Discovery Bank credit card or previous Discovery Card was not deducted with an Apple Watch penalty amount:

1. You achieved all your weekly Active Rewards exercise goals in the previous month.
2. Your Apple Watch billing cycle has not started.
3. You received an Apple Watch welcome notification that incorrectly indicated the Apple Watch goal period that would be used to calculate your Apple Watch penalty. To make sure that you were not prejudiced, we moved your Apple Watch billing cycle to match what was communicated to you in your welcome notification.

The Apple Watch penalty amount will be deducted from your qualifying Discovery Bank credit card that is linked to your Vitality Active Rewards with Apple Watch benefit.

Apple Watch penalty refunds are paid weekly after the Apple Watch billing date of the 10th of the month. Your refund will reflect in your Discovery Bank credit card, and you will receive a notification once your refund has been processed.

Your Apple Watch penalty refunds will be paid into your qualifying Discovery Bank credit card that is linked to your Vitality Active Rewards with Apple Watch benefit.

Please submit your Apple Watch penalty query by logging in to www.discovery.co.za and sending us a query through the Vitality Help page. Vitality will investigate your query and we will notify you of the outcome, which could be one of the following:

1. If your Vitality Active Rewards weekly exercise goals in the Apple Watch billing cycle increase, Vitality will refund you based on the number of goals you have achieved. Refunds can take up to one week to be processed.
2. If your Vitality Active Rewards weekly exercise goals in the Apple Watch billing cycle remain the same or decrease, you will not be eligible for a refund.

Ðiscovery Miles are Discovery's shared-value rewards currency that you can earn for getting healthy, driving well and spending responsibly, which can be used to spend on a range of exciting rewards of your choice.

Vitality Active Rewards members can earn a play on the gameboard for achieving your exercise or drive goal. Each play on the gameboard reveals hidden Ðiscovery Miles of varying values.

Plus, save up to 15% on select rewards in the Vitality Mall. Get 5% off for every Vitality programme that you've activated (Vitality Health, Vitality Drive or Vitality Money)

Ðiscovery Miles expire after 5 years from date of issue.

Visit the Discovery app to see how many Ðiscovery Miles you need to redeem each reward.

As a Discovery Bank client, you do not need to activate Ðiscovery Miles. You automatically receive a Ðiscovery Miles account with your qualifying Discovery Bank account.

Once you get your Discovery Bank account and activate it, we automatically open a Ðiscovery Miles account for you.

There are no separate fees for the Ðiscovery Miles account or the ability to earn and spend Ðiscovery Miles.

Yes. Our enhanced Vitality Active Rewards structure introduces new exercise, drive, and money tiles on the gameboard in the Discovery Bank app. These tiles make it possible for members to earn their exercise, spend, and drive points back as Ðiscovery Miles on a tile if they achieve their goal.

The enhanced gameboard offers far richer rewards than the bonus play on the gameboard. With a combination of Sneak Peeks, Rewards Multipliers, plus personalised Spend and Activity tiles, members can a earn up to a potential 6,000 Ðiscovery Miles a week on the new and enhanced gameboard.

You can spend your Ðiscovery Miles on just about anything, including:

• Spending them on Vitality Active Rewards on the Discovery app.
• Shopping with them online and in-store at select partners using the Discovery Bank app.
• Spending them on travel by using them for flights, accommodation and package bookings.
• Converting them to travel rewards from other travel partner programmes.
• Spending them on prepaid services and products, such as airtime, data bundles and electricity.
• Monetising them by exchanging them for cash, which is paid straight into your Discovery Bank account.
• Using them to pay any of your contacts who have a Ðiscovery Miles account with Discovery Bank.

Shop online

You can use your Ðiscovery Miles to pay for purchases when you shop online at one of our partner stores. Simply choose Ðiscovery Miles as the payment method when you check out and you'll be prompted to log in with your Discovery Digital ID to access your Ðiscovery Miles.

The exchange rate for online shopping is 10 Ðiscovery Miles to R1. You can also use your Ðiscovery Miles to pay for a part of the total amount, and then use your Discovery Bank Card to settle the rest.

Shop in store

You can use your Ðiscovery Miles to pay for in-store purchases at select partners by using the Discovery Bank app. If you want to use your Ðiscovery Miles in store, then:

• Log in to the Discovery Bank app
• Choose your Ðiscovery Miles account
• Tap on Pay and then on Pay in store
• Add the amount you want to spend
• And then tap Generate QR code.

Now simply show the QR code to the cashier to pay with your Ðiscovery Miles.

Spend your Ðiscovery Miles on travel

You can use your Ðiscovery Miles to pay for flights, accommodation and more. All flight and accommodation bookings need to be booked through Vitality Travel. To pay with your Ðiscovery Miles, simply choose Ðiscovery Miles as the payment option when you check out.

To use your Ðiscovery Miles for travel bookings with Contiki, World Leisure Holidays and Royal Caribbean International, simply tell your booking agent that you would like to pay using Ðiscovery Miles and they will help you complete the transaction.

Monetise your Ðiscovery Miles

You can exchange your Ðiscovery Miles for cash, which is paid straight into one of your Discovery Bank accounts. The conversion rate for exchanging your Ðiscovery Miles for cash is R1 for every 10 Ðiscovery Miles.

To exchange your Ðiscovery Miles for cash:

• Log in to the Discovery Bank app
• Choose your Ðiscovery Miles account
• Tap on Monetise
• Select the amount you want to transfer
• Select the account to transfer into.

The cash will be available immediately in your chosen account for you to spend however you want.

Transfer Ðiscovery Miles to a friend or family member

You can also transfer Ðiscovery Miles to family and friends, as long as they have a Bank Ðiscovery Miles account. There is no conversion fee if you transfer Ðiscovery Miles between accounts. To transfer Ðiscovery Miles to someone else:

1. Log in to the Discovery Bank app
2. Choose your Ðiscovery Miles account
3. Tap on Pay
4. Select the contact you want to transfer to
5. Add the amount you want to transfer.

The transferred Ðiscovery Miles will show immediately in the recipient's Ðiscovery Miles account.

Spend on Vitality Active Rewards

You can spend any Ðiscovery Miles earned through Discovery Bank in the Vitality Active Rewards mall. You'll need to have Vitality Active Rewards active.

YES! The Ðiscovery Miles you earn from Active Rewards is paid into your Ðiscovery Miles account together with the Ðiscovery Miles you earn from swiping. You can use your Ðiscovery Miles earned from anywhere in the Discovery ecosystem to spend on rewards in Vitality Active Rewards.

Get started by making sure you have the latest version of the Discovery app on your mobile device. Download or update your Discovery app to the latest version on the Apple App Store or the Google Play Store. Log in to the app using the username and password that you used to register your profile on the Discovery website and then navigate to the Vitality page in the app. Tap on Vitality Active Rewards and follow the prompts to activate the benefit.

No. However, having a credit card can provide a more satisfying experience with a more rewarding gameboard.

If you are the primary accountholder of any product that comes with Vitality Money, you can access Vitality Active Rewards through the Discovery Bank app. This includes all new Discovery Bank Transaction Accounts, Credit Card Accounts, Suites, or the Ðiscovery Account.

You earn a play for each exercise, drive or money goal you achieve. A play allows you to pick a tile on the Vitality Active Rewards gameboard to reveal Discovery Miles. You can spend your Discovery Miles on a range of rewards in the Discovery app or at our online or in-store shopping partners, if you're a qualifying Discovery Bank client.

No. Vitality Active Rewards is only available on Apple iOS devices and Android smartphones. However we will continue to monitor which devices and operating systems our members are using and update future versions if necessary.

Visit your local GP and have a check-up. Once your doctor has cleared you to exercise, activate Vitality Active Rewards.

Vitality Active Rewards is only available to Vitality members 18 years and older with an active Vitality membership, or with an associated standalone benefit.

The fitness points you earned in the week before you activated Vitality Active Rewards will count towards your goal.

You can earn Vitality Active Rewards for reaching weekly, personalised fitness goals that automatically adjust based on factors including your past goal achievements. Rewards include drinks from KAUAI, Mugg & Bean and vida e caffè, and popcorn from Ster-Kinekor.

The functionality to link a fitness device is currently only available in the Discovery app. To seamlessly link your preferred fitness device, log in to the Discovery app and complete the following simple steps:

• Select the Vitality tab at the bottom of the app screen and tap on the Vitality Health section.
• Navigate to the Get Active section and select Devices and apps.
• Choose the device or app from the list that you wish to link and agree to the terms.

Yearly limits for fitness points only apply to your Vitality Health status, not to Vitality Active Rewards. This means that all fitness points will count towards achieving your weekly Vitality Active Rewards goals, whether or not you have reached 30,000 base fitness points, the yearly limit for Vitality fitness points. This is to keep you motivated to earn Vitality Active Rewards all throughout the year. Keep doing fitness activities to earn Vitality points! Daily points limits do apply such that if more than one fitness activity is completed in one day, only the higher points earning activity will count for points for that day - this rule applies to yearly limits and to Vitality Active Rewards.

No, you need to activate each gym and fitness benefit separately, as certain terms and conditions will apply. If you have activated the gym and fitness benefits, you can use those partner facilities to earn Vitality Active Rewards points. For more information, click here.

Goals are personalised to your activity levels, health status and the cardiovascular review that you may be asked to complete when you activate Vitality Active Rewards.

1. Make sure your Vitality points have synced with Vitality before the goal cycle closes every Friday at midnight. We allow until midnight on Tuesday night for data to come through before issuing rewards on Wednesday morning.
2. If you are using a device or participating in a Vitality Race Event, sync your device or capture your race event points before the goal cycle closes on Friday night. If you did this and it still doesn't reflect, contact the Vitality call centre on 0860 99 88 77.
3. If you choose to get active at a fitness facility with a Vitality iPad device, make sure you log in to the app with your Vitality membership number.

If you track your fitness activities on a fitness device or app, make sure your fitness device or app is linked to Vitality and that you sync it in time to reach your weekly goal.

Your Vitality points may not reflect right away, but as long as you have captured your points - synced your device or captured your Vitality Race Events results - before Friday midnight then your points will count towards that week's goal.

No, you need to earn the required amount of Vitality points each week in order to achieve your goal for that week. Extra points will not be carried over from a previous week's goal.

Vitality Active Rewards sets each weekly goal that takes your entire Vitality Active Rewards history into account. This means that it's possible for your goal to increase even if you didn't reach your goal in the last cycle, depending on all your previous goal cycles. It is also possible for your goal to remain the same even if you achieved it the previous week.

Fitness days are any day where you have earned at least 100 Vitality fitness points. This could include visiting the gym, tracking 100 or more steps using a Vitality-linked fitness device, or tracking a workout using a Vitality-linked fitness device.

You can track your own performance and try to improve your stats over time. You can also use these metrics to compare yourself to your friends and other Vitality Active Rewards members..

We only count your transactions once they have been cleared, and not on the date of your transaction.

By measuring qualifying spend for Vitality Active Rewards this way, we can provide you with a more accurate view of your Spend points. This lowers the chances of your earned points being reduced later if the final processed amount changes.

When you spend with your Discovery Bank card, transactions show up as "pending" in the linked account's transaction list quickly. Sometimes merchants can take a few days to request funds from us, and for the transaction to be cleared. During that time, the final amount could change due to things like merchant holding fees, refunds, tips, and currency exchange rate fluctuations. Once a transaction is processed, we still count it towards the week in which the transaction was made.

While transactions are still pending, you will see these points reflected in your Spend ring as "pending," with a dark grey ring indicating the potential progress they will contribute to closing your Spend ring as soon as they have been processed. For example, if you have R300 of pending transactions in the current goal week, it will say "300 pending" under your Spend ring. Once these transactions have been processed - even if it only happens in the new goal week - they will still count towards the Spend goal for the week in which the transaction took place.

Our Vitality programmes and benefits are designed to promote responsible behaviour. Vitality Active Rewards encourages consistent behaviour each week, and Vitality Money discourages irresponsible spending.

Through the Vitality Money Financial Analyser, we can help you manage your money better by automatically categorising your transactions, creating budgets and mini-budgets, and setting alerts to help you meet your budget. You can use this tool to make sure that don't spend more of your disposable income than you can responsibly afford. Your Spend goal is only unlocked if you maintain a minimum savings account balance. The Spend goal rewards you for consolidating your spend within Discovery Bank. The Spend goal follows the same principles applied with your Exercise and Drive goals, where your personal goal target is personalised based on your previous weeks' achievement history. The Spend goal vary based on the average spend expected at your income level, based on whether you're a Gold, Platinum, Black, or Purple client, or have a Ðiscovery Account. These amounts are in line with the qualifying spend already applied for all your other Vitality Money dynamic lifestyle, travel, and integration rewards.

We've simplified the Spend goal to follow the same principles already applied to your Exercise and Drive goals, where you have a weekly, personalised goal target that increases or decreases based on your previous weeks' achievement history.

That means three changes for you:

1. Reaching your goal will be based on weekly spend where every R10 spent is 1 point towards your Spend goal, regardless of the number or size of your transactions.
2. Spend towards your weekly goal starts at 0 every week, with no more carry-over of Spend points week to week. If you overachieve, your goal you will get a Sneak Peek of a tile on the gameboard, allowing you to change your chosen tile and try to hit a higher value tile.
3. Your personal goal target will increase if your spend increases, and decreases if you consistently don't achieve your goal.

If you have pending transactions that only clear after the Tuesday deadline, we will allocate Spend points retrospectively based on the transaction date once the merchant processes it. This means that even if a transaction is still pending after the Tuesday deadline, it will still count towards your Spend goal if it meets the criteria.

If a Spend goal is achieved retrospectively, you'll receive a play on the gameboard on the next Rewards Wednesday, automatically. There's no need to report anything to Vitality.

We are constantly updating our Vitality programmes and benefits to ensure they align with positive behavioural objectives. Our Vitality Active Rewards programme is designed to motivate you to consistently achieve your goals week-on-week and promote long-term positive behaviour change.

The Spend goal has been specifically created to encourage you to use your Discovery Bank card for transactions instead of cash, allowing for the Vitality Money Financial Analyser to accurately track your spending and send you smart alerts to help you stay within your budget.

We have introduced dynamic goal targets based on your previous goal achievement, and removed points carry over, to further encourage this behaviour and create a personalised goal for each client.

We've aligned the Spend goal to follow the same principles already applied with your Exercise and Drive goals, which is that every Saturday you start a goal from zero, with no carry-over of points from your previous week's behaviour.

Vitality Active Rewards aims to drive consistent behaviour week-on-week, and in the case of the Spend goal it is to encourage you to use your Discovery Bank card instead of cash, and regularly transact in a way that allows for the Vitality Money Financial Analyser to accurately track your spend and help you remain within your chosen budgeting goals. In addition, the gameboard is more rewarding than ever before - you can now earn back your spend on groceries, pharmacies, and fuel in Discovery Miles on a 1:1 rands to Discovery Miles ratio, up to a maximum of Ð1,500 per category. And if you manage to achieve two times your weekly Spend goal, you will be eligible for a Sneak Peek. This allows you to momentarily reveal a tile on the gameboard without selecting it, giving you the chance to earn even more Discovery Miles.

Spend points are allocated retrospectively based on the transaction date once the merchant has processed it. Although these points may still show as 'pending' beyond the Tuesday after the goal week in which the transaction was made, if the Spend goal is retrospectively achieved after processing, a play will be awarded on the gameboard available on the next Rewards Wednesday. You don't need to worry about reporting this to Vitality as this is an automated process.

The Vitality Active Rewards programme has weekly goals. Achieve your Vitality Active Rewards spend goal when you save and spend with Discovery Bank. Maintain a minimum balance in your savings account and use your qualifying Discovery Bank card for your purchases. Get 1 spend point for every R10 spent.

Earn points and improve your Vitality Money status by achieving these monthly goals. By achieving your goals you can increase your savings, improve your financial knowledge, or both. At the start of each month, you'll get up to two personal goals. The number and type of goals available will depend on improvements that need to be made. You can attempt one or both of your goals each month and will earn points based on how many goals you have achieved over a four-month period.

Instant rewards are rewards that you can get as soon as you reach your goal. These can include a free coffee or the opportunity to make a donation to one of Vitality's charitable initiatives through MoveToGive. If you prefer to wait, you can play the gameboard on Rewards Wednesday to see what Discovery Miles you can earn. When you do choose an instant reward, you can use it right away as soon as you complete your goal ring.

A boosted instant reward is a more valuable instant reward that you can redeem when you achieve an exercise goal streak. Streaks of 5, 10, 15, 25, 50 and multiples of 100 qualify.

The Rewards Multiplier allows you to double the value of the tile that you have selected on the gameboard. You will earn a Rewards Multiplier for the first time you achieve the following exercise goal streaks: 5, 10, 15, 25, and 50. Thereafter, you will earn a Rewards Multiplier for every 100 (and multiples of 100) exercise goal streak you achieve. You can also choose to boost your instant reward with the Rewards Multiplier and receive a more valuable instant reward as you achieve your goal. A Rewards Multiplier cannot be carried over to the following week and will be applied automatically to the first tile selected.

The Sneak Peek allows you to view a tile and gives you the option to select another tile without losing your play. You can earn the Sneak Peek by earning double the points to achieve your Exercise and Spend goals or by having a perfect Drive week. You can earn up to one Sneak Peek per activity ring per month - this works out to three sneak peeks per a for members with active exercise, spend and drive rings. A Sneak Peek cannot be carried over to the following week.

A Rest Week allows you to take a break from your Exercise goal for a week. You need to achieve 25 consecutive exercise goals to earn a Rest Week. Your Rest Week does not expire and can be used at any time for when you are unable to achieve your current or previous exercise goal. It cannot be used to complete a future dated goal or a goal that has passed more than one goal cycle.

With the Rewards Multiplier, when you achieve an exercise goal streak, you can double your rewards in the form of a boosted Instant Rewards or Discovery Miles equal to double the tile value of your first gameboard play. In other words, if you earn more than one gameboard play (because of closing multiple rings), the Rewards Multiplier will only apply to the Discovery Miles uncovered from the first gameboard play.

You can only apply a Rest Week to the current or previous week and cannot apply a Rest Week to a goal that has passed more than one goal cycle. If you want to apply a Rest Week to a given goal week, you will need to do so before the following Tuesday at midnight before the next Rewards Wednesday.

Pharmacy Tiles give you rewards for your pharmacy purchases at our pharmacy partners. When you reveal a Pharmacy Tile on your gameboard, you will earn your highest purchase from Clicks or Dis-Chem from the previous week in Discovery Miles on a 1:1 rands to Discovery Miles ratio.

For example, if your maximum pharmacy spend transaction for last week was R1,000, and you select a Pharmacy Tile on the gameboard, you will be able to earn 1,000 Discovery Miles. The pharmacy tile is capped at a maximum earn of 1,500 Discovery Miles per week, based on your Discovery Bank account.

Fuel Tiles give you rewards for your fuel purchases at our fuel partners. When you reveal a Fuel Tile on your gameboard, you will earn Discovery Miles on your highest purchase at BP garages and select Shell garages for the previous week on a 1:1 rands to Discovery Miles ratio.

For example, if your maximum fuel spend transaction for last week was R1,000, and you select a Fuel Tile on the gameboard, you will earn 1,000 Discovery Miles. The fuel tile is capped at a maximum earn of 1,500 Discovery Miles per week based on your Discovery Bank account

Grocery Tiles give you rewards for your purchases at our grocery partners. When you reveal a Grocery Tiles on your gameboard, you will earn your highest purchase at Checkers or Woolworths from the previous week in Discovery Miles on a 1:1 rands to Discovery Miles ratio .

For example, if your maximum grocery spend transaction for last week was R1,000, and you select a Grocery Tile on the gameboard, you will be able to earn 1,000 Discovery Miles. The Grocery Tile is capped at a maximum earn of 1,500 Discovery Miles per week, based on your Discovery Bank account.

We use the highest purchase spend from the week before for each spend category (groceries, pharmacy, fuel). These purchases are recorded once a transaction at a partner store is processed. The amount for each spend category is then converted to Discovery Miles on a 1:1 rand to Discovery Miles ratio. For example, a spend of R500 will be converted to 500 Discovery Miles.

The Discovery Tile appears based on the number of additional Discovery products you have, allowing you to earn up to 750 Discovery Miles when this tile is revealed on the gameboard. The value of your Discovery Tile is based on the products you have with different Discovery businesses:

1. Discovery Bank
2. Discovery Health
3. Discovery Life
4. Discovery Insure
5. Discovery Invest

You need to be the main policy holder on your Discovery products to be eligible for the Discovery Tile.

We are constantly updating our Vitality programmes and benefits to ensure they align with positive behavioural objectives. Our Vitality Active Rewards programme is designed to motivate you to consistently achieve your goals week-on-week and promote long-term positive behaviour change.

If you have a qualifying Discovery Bank product with Vitality Money, then you will access the enhanced gameboard in the Discovery Bank app, and you will not be able to play the gameboard in the Discovery app.

No, they will not affect Vitality Active Rewards.

For example, if your maximum grocery spend transaction for last week was R1,000, and you select a Grocery Tile on the gameboard, you will be able to earn 1,000 Discovery Miles. The Grocery Tile is capped at a maximum earn of 1,500 Discovery Miles per week, based on your Discovery Bank account.

Yearly limits for fitness points only apply to your Vitality status, not to Vitality Active Rewards. This means that all fitness points will count towards reaching your weekly Active Rewards goals, whether or not you have reached 30 000 base fitness points, the yearly limit for Vitality fitness points. This is to keep you motivated to earn Vitality Active Rewards all throughout the year. Keep doing fitness activities to earn Vitality points! Daily points limits do apply such that if more than one fitness activity is completed in one day, only the higher points earning activity will count for points for that day - this rule applies to yearly limits and to Vitality Active Rewards.

You can add an unlimited number of friends to compete against and challenge on Vitality Active Rewards. You can also track your own weekly progress against your friends' on your leaderboard..

Get started by making sure you have the latest version of the Discovery app on your mobile device. Download or update your Discovery app to the latest version on the Apple App Store or the Google Play Store. Log in to the app using the username and password that you used to register your profile on the Discovery website and then navigate to the Vitality page in the app. Tap on Vitality Active Rewards and follow the prompts to activate the benefit.

You can spend your Vitality reward points on exciting rewards of your choice ranging from coffees and smoothies to shopping rewards and dream holidays. These rewards have varying expiry dates, limits, terms and conditions. For more information on rewards you can view the rewards benefit guide.

1. The Vitality Points Tracker is on the Discovery website discovery.co.za and shows all your Vitality points-earning activities including fitness points, points for doing assessments or for buying HealthyFood.
2. The Activity History under Vitality Active Rewards on the Discovery app only shows the Vitality fitness points you've earned that count towards your weekly Vitality Active Rewards goal. Any difference in points is due to the annual fitness points limit which does not apply to Vitality Active Rewards but does apply to Vitality status.

Goals are personalised to your activity levels, health status and the cardiovascular review that you may be asked to complete when you activate Vitality Active Rewards.

You need to sync your fitness device or app to Vitality within your weekly goal cycle, which ends each Friday at 12:00 PM. If you don't sync your device or app before your goal cycle expires, you won't receive your points and so won't reach your weekly goal to earn that week's reward.

Goals are personalised to your activity levels, health status and the cardiovascular review that you may be asked to complete when you activate Vitality Active Rewards.

The fitness points you earned in the week before you activated Vitality Active Rewards will count towards your goal.

• Make sure your Vitality points have synced with Vitality before the goal cycle closes every Friday at midnight. We allow until midnight on Tuesday night for data to come through before issuing rewards on Wednesday morning.
• If you are using a device or participating in a Vitality Race Event, sync your device or capture your race event points before the goal cycle closes on Friday night. If you did this and it still doesn't reflect, contact the Vitality call centre on 0860 99 88 77.
• If you choose to get active at a fitness facility with a Vitality iPad device, make sure you log in to the app with your Vitality membership number.
• If you track your fitness activities on a fitness device or app, make sure your fitness device or app is linked to Vitality and that you sync it in time to reach your weekly goal.

• Each weekly goal cycle runs from Friday midnight to the next Friday midnight.
• This means that you need to earn your fitness points each weekly goal by Friday, 00:00PM.
• These Vitality points may not reflect right away, but as long as you have captured your points - synced your device, checked in on the iPad points device at your fitness facility, earned your points at a parkrun event or captured your Vitality race event - before Friday midnight, then your points will count towards that week's goal.
• We allow until Tuesday midnight for the points you've earned by Friday midnight the previous week to reflect.
• Rewards are only awarded on Wednesday so that there is enough time for the points you earned to pull through.

No, you need to earn the required amount of Vitality points each week in order to achieve your goal for that week. Extra points will not be carried over from a previous week's goal.

Vitality Active Rewards sets each weekly goal that takes your entire Vitality Active Rewards history into account. This means that it's possible for your goal to increase even if you didn't reach your goal in the last cycle, depending on all your previous goal cycles. It is also possible for your goal to remain the same even if you achieved it the previous week.

You can view your activities in the 'Activity History' section on your Vitality Active Rewards home screen in the Discovery app.

Let the cashier at the reward partner scan your smartphone with the QR code of your selected reward on your app. You can also manually enter the wiCode underneath the QR code at the till point. If that doesn't work, please ask them to call their head office for help.

Yes. If you redeemed your Vitality Active Reward, then cancelled it and the cashier reversed the transaction, your QR code will no longer work. You can then call the Vitality call centre on 0860 99 88 77 and inform them that your reward was reversed. The agent will verify this and issue you with another reward for the same Vitality Active Rewards partner. The new reward will be active for two weeks from date of issue.

No. You can't redeem a Vitality Active Reward in conjunction with any other special offers or partner promotion in-store. Please check the back of your Vitality Active Reward to see the redeemable products available.

Vitality Active Rewards is only available to Vitality members 18 years and older with an active Vitality membership, or with an associated standalone benefit.

In order to compete against your friends and others in the Vitality Active Rewards programme, it is necessary to consent to reveal your name and goal progress so that you can see where you stand relative to others.

Fitness days are any day where you have earned at least 100 Vitality fitness points. This could include visiting the gym, tracking 100 or more steps using a Vitality-linked fitness device, or tracking a workout using a Vitality-linked fitness device.