Discovery Bank Credit Card Review

 

Overall, Discovery Bank can be summarised as a trusted digital bank that employs a shared-value banking model.  Discovery Bank offers access to various rewards and benefits, such as cashback, discounts, and exclusive access to travel and lifestyle perks, to customers who manage their finances responsibly. Discovery Bank utilizes cutting-edge technology to streamline and simplify the banking experience.

 

🔎 Provider	📌 Discovery Bank
💳 Credit Cards	✅ Yes
🎁 Rewards and Benefits	✅ Yes
💵 Cashbacks	✅ Yes
💰 Discounts	✅ Yes

 

 

Discovery Bank Credit Cards – Analysis of Providers’ Main Features

 

1. ☑️ Discovery Bank Credit Cards Overview
2. ☑️ Applying for a Discovery Bank Credit Card
3. ☑️ Managing, Understanding, and Using Discovery Bank Credit Cards
4. ☑️ The Benefits of Discovery Bank Credit Cards
5. ☑️ Discovery Bank Cashback Rewards Program
6. ☑️ Discovery Bank Travel Benefits
7. ☑️ Discovery Bank Enhanced Security Features
8. ☑️ Access to Exclusive Offers and Discounts
9. ☑️ Tips on Maintaining and Improving Your Credit Score with Discovery Credit Cards
10. ☑️ How Discovery Bank is Disrupting Traditional Banking Models
11. ☑️ Importance of Choosing the Right Credit Card
12. ☑️ In Conclusion
13. ☑️ Frequently Asked Questions

 

 

 

 

 

Discovery Bank Credit Cards Overview

 

Discovery Bank offers access to a multitude of Credit Card options, including the Gold, Platinum, Purple, and, Black Credit Card Options.

 

Discovery Bank Gold Credit Card

 

The Discovery Bank Gold Suite is a flexible and cost-effective full banking suite that offers clients a variety of intelligent features and benefits for everyday banking. With the Gold Suite, customers can access a superior credit card, transaction account, and multiple free savings accounts.

The suite also includes a flexible credit facility for easy credit management. In addition, clients have 24/7 access to Real-Time Forex Accounts via the mobile banking application.

Participation in the Vitality Money program unlocks personalized rewards with shared value, such as discounts on local flights and cashback on purchases of HealthyFood and HealthyCare.

 

 

Discovery Bank Gold Suite Features and Benefits

 

The Discovery Bank Gold Suite comes packed with the following benefits and features:

 

• ✅ Enhanced state-of-the-art credit card
• ✅ Superior transaction account
• ✅ Multiple free savings accounts
• ✅ Flexible credit facility
• ✅ Real-Time Forex Accounts
• ✅ Access to the Vitality Money program rewards
• ✅ Up to 40% cash back on HealthyFood purchases
• ✅ Up to 50% off local flights
• ✅ Dynamic Interest Rates for savings and borrowing
• ✅ Opportunities to earn and spend Discovery Miles
• ✅ Discounts on fitness devices and Nike performance gear

 

 

and much, MUCH more!

 

 

Discovery Bank Gold Suite Eligibility criteria

 

To qualify for the Discovery Bank Gold Suite, individuals need to meet the following criteria:

 

• ✅ Minimum qualifying income ranging from R100,000 to R350,000 per year

 

 

Discovery Bank Gold Suite Fees and Interest Rates

 

🔎 Fee structure	💳 Pay-as-you-transact
💰 Monthly account fee	R30
🪙 Monthly Vitality Money premium	R25
💴 Monthly single credit facility fee	R35
💵 Total monthly account fee	R90
💶 Monthly additional and secondary physical cards	R40
💷 Monthly additional virtual cards	Free
💳 Monthly Discovery Motor Card (optional)	R40
💸 Monthly additional credit card accounts (optional)	R40
💰 Once-off single credit facility initiation fee	R150 if the limit is less than R2,000, else R185
🪙 Cash withdrawals: local ATM	R5 + 2.25% of the withdrawal amount
💴 Cash withdrawals: local point of sale	R2
💵 Cash withdrawals: international ATM	R80
💶 Debit orders	R3.75
💷 Digital payments	R2.50
💳 Discovery Instant Pay (real-time payments)	R100 or less: R1; R100+ to R1,500: R5; R1,500+: 0.4% of the amount, capped at R30
💸 Health Pay payments	Free
💰 Contact Payments	R2.50
🪙 Prepaid products and services purchases	Free
💴 Point-of-sale purchases: local and international	Free
💵 Cash deposits at Pick n Pay and Boxer stores	R19.95 per R5,000
💶 Inter-account transfers	Free
💷 Balance enquiry at ATM	Free
💳 Payment notifications	Free
💸 Own account notifications	Free
💰 Returned debit orders	R10 for the first four in 12 months, R100 each after that
🪙 Declined transactions	Free
💴 Currency conversion fee	2.75%
💵 International purchase fee	2% of the purchase amount, capped at R500 per transaction
💶 Card replacement fee	One free, R200 each after that

 

Discovery Bank offers Dynamic Interest Rates for the Gold Suite, which allows clients to control their interest rates based on their Vitality Money status. With the Gold Suite, clients can enjoy the following:

 

• ✅ Up to 5% interest on positive balances in everyday accounts
• ✅ Up to 7.25% interest on demand savings accounts
• ✅ Up to 6% less interest on borrowing rates

 

 

Discovery Bank Platinum Credit Card

 

The Discovery Bank Platinum Suite provides exceptional banking services tailored to the needs of ambitious professionals with long-term financial objectives.  The Platinum Suite consists of an enhanced credit card, a superior transaction account, unlimited free savings accounts, and a flexible single credit facility, all offering comprehensive features, exclusive benefits, and lifestyle rewards.

Through the mobile banking application, customers can also access Real-Time Forex Accounts.  Furthermore, Vitality Money participation unlocks personalized shared-value rewards, such as discounts on local flights, cashback on HealthyFood and HealthyCare purchases, and discounts of up to 75% on fitness devices and Nike performance gear.

 

 

Discovery Bank Platinum Suite Features and Benefits

 

The Discovery Bank Platinum Suite comes packed with the following Features and Benefits:

 

• ✅ Enhanced credit card with advanced features
• ✅ Superior transaction account
• ✅ Unlimited free savings accounts
• ✅ Flexible single-credit facility
• ✅ Real-Time Forex Accounts
• ✅ Vitality Money program rewards
• ✅ Up to 50% cash back on HealthyFood purchases
• ✅ Up to 60% off local flights
• ✅ Dynamic Interest Rates for savings and borrowing
• ✅ Opportunities to earn and spend Discovery Miles
• ✅ Exclusive travel discounts and benefits
• ✅ Enhanced security features
• ✅ Access to Vitality Travel booking platform

 

 

and much, MUCH more!

 

 

Discovery Bank Platinum Suite Eligibility criteria

 

To qualify for the Discovery Bank Platinum Suite, individuals need to meet the following criteria:

 

• ✅ Minimum qualifying income ranging from R350,000 to R850,000 per year

 

 

Discovery Bank Platinum Suite Fees and Interest Rates

 

🔎 Fee structure	💳 Pay-as-you-transact
💳 Monthly account fee	R70
💰 Monthly Vitality Money premium	R40
🪙 Monthly single credit facility fee	R35
💴 Total monthly account fee	R145
💵 Monthly additional and secondary physical cards	R40
💶 Monthly additional virtual cards	Free
💷 Monthly Discovery Motor Card (optional)	R40
💳 Monthly additional credit card accounts (optional)	R40
💰 Once-off single credit facility initiation fee	R150 if the limit is less than R2,000, else R185
🪙 Cash withdrawals: local ATM	R5 + 2.25% of the withdrawal amount
💴 Cash withdrawals: local point of sale	R2
💵 Cash withdrawals: international ATM	R80
💶 Debit orders	R3.75
💷 Digital payments	R2.50
💳 Discovery Instant Pay (real-time payments)	R100 or less: R1; R100+ to R1,500: R5; R1,500+: 0.4% of the amount, capped at R30
💰 Health Pay payments	Free
🪙 Contact Payments	R2.50
💴 Prepaid products and services purchases	Free
💵 Point-of-sale purchases: local and international	Free
💶 Cash deposits at Pick n Pay and Boxer stores	R19.95 per R5,000
💷 Inter-account transfers	Free
💳 Balance inquiry at ATM	Free
💰 Payment notifications	Free
🪙 Own account notifications	Free
💴 Returned debit orders	R10 for the first four in 12 months, R100 each after that
💵 Declined transactions	Free
💶 Currency conversion fee	2.75%
💷 International purchase fee	2% of the purchase amount, capped at R500 per transaction
💳 Card replacement fee	One free, R200 each after that

 

Discovery Bank offers Dynamic Interest Rates for the Platinum Suite, allowing clients to control their interest rates based on their Vitality Money status. With the Platinum Suite, clients can enjoy the following:

 

• ✅ Up to 5% interest on positive balances in everyday accounts
• ✅ Up to 7.25% interest on demand savings accounts
• ✅ Up to 6% less interest on borrowing rates

 

 

Discovery Bank Black Credit Card

 

The Discovery Bank Black Suite provides superior banking services and rewards to professionals seeking exclusive travel perks, personalized options, and exceptional service. The Black Suite provides world-class banking experiences with comprehensive features, including an enhanced credit card, a superior transaction account, and a flexible single credit facility.

Real-Time Forex Accounts are available to clients without additional monthly fees, and Vitality Money program rewards include up to 75% cashback on healthy groceries and up to 75% off flights.

 

 

Discovery Bank Black Suite Features and Benefits

 

The Discovery Bank Black Suite comes packed with the following Features and Benefits:

 

• ✅ Enhanced credit card with superior capabilities
• ✅ Excellent transactional account
• ✅ Unrestricted no-cost savings accounts
• ✅ Modular single credit facility
• ✅ Real-Time Forex Accounts without monthly charges
• ✅ Unique travel advantages and services
• ✅ up to 75% cash back on healthy foods
• ✅ Priority provides discounts of up to 75% on airfare. Priority boarding and lounge access
• ✅ Variable Rates of Savings and Borrowing Interest
• ✅ Possibilities for earning and spending Explore Miles
• ✅ Vitality Availability Travel booking platform
• ✅ Global concierge service access
• ✅ Additional security measures
• ✅ Price reductions on fitness equipment and Nike performance gear

 

 

and much, MUCH more!

 

 

Discovery Bank Black Suite Eligibility Criteria

 

To qualify for the Discovery Bank Black Suite, individuals need to meet the following criteria:

 

• ✅ Minimum qualifying income ranging from R850,000 to R2.5 million per year

 

 

Discovery Bank Black Suite Fees and Interest Rates

 

🔎 Fee structure	💳 Pay-as-you-transact
💳 Monthly account fee	R130
💰 Monthly Vitality Money premium	R55
🪙 Monthly single credit facility fee	R35
💴 Total monthly account fee	R220
💵 Monthly additional and secondary physical cards	R40
💶 Monthly additional virtual cards	Free
💷 Monthly Discovery Motor Card (optional)	R40
💳 Monthly additional credit card accounts (optional)	R40
💰 Once-off single credit facility initiation fee	R150 if the limit is less than R2,000, else R185
🪙 Cash withdrawals: local ATM	R5 + 2.25% of the withdrawal amount
💴 Cash withdrawals: local point of sale	R2
💵 Cash withdrawals: international ATM	R80
💶 Debit orders	R3.75
💷 Digital payments	R2.50
💳 Discovery Instant Pay (real-time payments)	R100 or less: R1; R100+ to R1,500: R5; R1,500+: 0.4% of the amount, capped at R30
💰 Health Pay payments	Free
🪙 Contact Payments	R2.50
💴 Prepaid products and services purchases	Free
💵 Point-of-sale purchases: local and international	Free
💶 Cash deposits at Pick n Pay and Boxer stores	R19.95 per R5,000
💷 Inter-account transfers	Free
💳 Balance inquiry at ATM	Free
💰 Payment notifications	Free
🪙 Own account notifications	Free
💴 Returned debit orders	R10 for the first four in 12 months, R100 each after that
💵 Declined transactions	Free
💶 Currency conversion fee	2.75%
💷 International purchase fee	2% of the purchase amount, capped at R500 per transaction
💳 Card replacement fee	One free, R200 each after that

 

Discovery Bank offers Dynamic Interest Rates for the Black Suite, allowing clients to control their interest rates based on their Vitality Money status. With the Black Suite, clients can enjoy the following:

 

• ✅ Up to 5% interest on positive balances in everyday accounts
• ✅ Up to 7.25% interest on demand savings accounts
• ✅ Up to 6.75% less interest on borrowing rates

 

 

Discovery Bank Purple Suite

 

The Discovery Bank Purple Suite is an upscale banking solution for high-income professionals who value personalized service, exclusive travel benefits, and exceptional rewards.  The Purple Suite provides a comprehensive banking experience combining a superior transaction account and a flexible single credit facility.

Clients can receive up to 75% cashback on purchases of HealthyFood, up to 75% off local and international flights, and access to over 1,200 luxury airport lounges. In addition, the Purple Suite provides clients with a prime-minus-2% borrowing rate and various wealth management tools.

 

 

Discovery Bank Purple Suite Features and Benefits

 

The Discovery Bank Purple Suite comes packed with the following features and benefits:

 

• ✅ Superior transaction account and flexible single credit facility
• ✅ Unlimited free savings accounts
• ✅ Real-Time Forex Accounts with no additional monthly fees
• ✅ Exclusive travel benefits and services
• ✅ Up to 75% back on HealthyFood purchases
• ✅ Up to 75% off local and international flights
• ✅ Unmatched rewards through the Vitality Money program
• ✅ Dedicated relationship banker and Discovery Purple Servicing channel
• ✅ Access to the Discovery Purple Concierge team
• ✅ Dynamic Interest Rates for savings and borrowing
• ✅ Opportunities to earn and spend Discovery Miles
• ✅ Access to Vitality Travel booking platform
• ✅ Unlimited free visits to luxury airport lounges worldwide
• ✅ Faster security clearance at selected airports
• ✅ Discounts on fitness devices and premium home technology purchases

 

 

and much, MUCH more!

 

 

Discovery Bank Purple Suite Eligibility Criteria

 

To qualify for the Discovery Bank Purple Suite, individuals need to meet the following criteria:

 

• ✅ Minimum qualifying income exceeding R2.5 million per year

 

 

Discovery Bank Purple Suite Fees and Interest Rates

 

🔎 Fee structure	💳 Bundled fee
💳 Monthly account fee	R599
💰 Monthly Vitality Money premium	R75
🪙 Monthly single credit facility fee	R69
💴 Total monthly account fee	R599
💵 Annual card fee	R3,250
💶 Business class flight balance requirement	Average monthly positive balance of at least R250,000
💷 Monthly additional and secondary physical cards	The first five cards are free, then R80 a card
💳 Monthly additional virtual cards	Free
💰 Monthly additional transactions and credit card accounts	R40
🪙 Once-off single credit facility initiation fee	R150 if the limit is less than R2,000, else R185
💴 Cash withdrawals: local ATM	Unlimited
💵 Cash withdrawals: local point of sale	Unlimited
💶 Cash withdrawals: international ATM	Unlimited
💷 Debit orders	Unlimited
💳 Digital payments	Unlimited
💰 Discovery Instant Pay (real-time payments)	30 free, thereafter: R100 or less: R1; R100+ to R1,500: R5; R1,500+: 0.4% of the amount, capped at R30
🪙 Discovery Pay (Contact Payments and Health Pay) payments	Unlimited
💴 Prepaid products and services purchases	Unlimited
💵 Point-of-sale purchases: local and international	Free
💶 Cash deposits at Pick n Pay and Boxer stores	R19.95 per R5,000
💷 Inter-account transfers	Free
💳 Balance inquiry at ATM	Free
💰 Payment notifications	Free
🪙 Own account notifications	Free
💴 Returned debit orders	R10 for the first four in 12 months, R100 each after that
💵 Declined transactions	Free
💶 Currency conversion fee	2.75%
💷 International purchase fee	2% of the purchase amount, capped at R100 per transaction
💳 Card replacement fee	One free, R200 each after that

 

Discovery Bank offers Dynamic Interest Rates for the Purple Suite, allowing clients to control their interest rates based on their Vitality Money status. With the Purple Suite, clients can enjoy the following:

 

• ✅ Up to 5% interest on positive balances in everyday accounts
• ✅ Up to 7.25% interest on demand savings accounts
• ✅ Up to 6.75% less interest on borrowing rates

 

 

 

 

 

Applying for a Discovery Bank Credit Card

 

To begin your application process for any of Discovery Bank’s products, simply download the user-friendly Discovery Bank app. Within a matter of minutes, you can open your account seamlessly. Follow these steps to get started:

 

• ✅ Download the Discovery Bank App from the official application store on your iOS, Huawei, or Android device.
• ✅ Click on the “Join the Bank” banner.
• ✅ Provide your phone number and ID Number.
• ✅ Follow the remaining registration steps to create an account with Discovery.
• ✅ Once your account has been created, you can apply for a credit card via the app.

 

 

Alternatively, if you prefer, you can provide your contact information on the official Discovery website, and our team will promptly reach out to assist you.

 

Eligibility requirements:

 

To be considered eligible for a Discovery Credit Card, you must meet the following requirements:

 

• ✅ Demonstrated annual income of at least R100,000.00.
• ✅ Minimum age of 18 years during the application process.
• ✅ Possession of a favorable credit score.
• ✅ Valid identification documentation such as a South African ID book or Smart card. For foreign nationals, a passport and valid work permit are necessary.

 

 

Submission of income verification, either through proof of income or a 3-month bank statement illustrating consistent salary deposits.

 

Application process:

 

• ✅ You can apply for a Discovery Bank Credit Card by calling them at 0860 000 628 or by filling in some quick details on their website, and they will call you back.
• ✅ You can also apply through the Discovery mobile app. You need to log into the app, click “Accounts” at the bottom of the screen, and then click on the three dots to find the option to apply for a credit card.

 

 

Discovery will determine your eligibility and provide further steps and information based on the documents you submit.

 

Required documents:

 

To apply for a Discovery Credit Card, you must have the following updated documents:

 

• ✅ 3-month bank statements that show consistent salary deposits.
• ✅ A valid South African ID Book, Smart Card, Valid Work Permit, or Passport.

 

Your application and credit limit approval would depend on your creditworthiness, which is usually determined by your income, credit history, and other financial circumstances.

 

 

Managing, Understanding, and Using Discovery Bank Credit Cards

 

Card activation and PIN setup

 

• ✅ Get your card: Once you receive your Discovery Bank Credit Card, you can begin the activation process.
• ✅ Open the Discovery Bank app: Ensure that you have the latest version of the Discovery Bank app installed on your smartphone or tablet. Launch the app and log in using your credentials.
• ✅ Scan the barcode on the welcome letter: If you still have the welcome letter that came with your card, scan the barcode using the app. This will initiate the activation process.
• ✅ Activate your card through the app.

 

Once your card is activated, you can proceed with setting up your bank cards on the Discovery Bank app. This step involves linking your credit card to your account, enabling you to manage and access its features through the app.

Furthermore, from here, you can also set and change the PIN on your cards, set up virtual cards, add additional cards, etc.

 

Understanding the Credit Limit and Available Credit

 

Discovery Bank offers a single credit facility encompassing both the overdraft on your transaction and credit card accounts.  This means you have a single credit agreement and must only make one payment for the minimum amount due for both accounts. In contrast, other banks typically require separate credit agreements for the credit card and overdraft, necessitating two separate payments.

With Discovery Bank, you can allocate your credit between your transaction and credit card accounts according to your needs.  This allows you to manage unexpected debit orders more effectively. If you have more debit orders than anticipated, you can reallocate some of your credit facility to create sufficient room for those payments.

By consolidating your credit facilities into one, Discovery Bank streamlines the credit management process, making it more convenient and manageable.

This approach ensures greater flexibility and control over your available credit, enabling you to adapt to changing financial circumstances more easily.

 

Managing Credit Limits

 

When it comes to allocating and adjusting credit limits, Discovery Bank offers flexibility and control. Here’s an overview of how you can manage your credit limits:  With the single credit facility provided by Discovery Bank, you can allocate a specific portion of your credit limit to your credit card account and the remaining portion to the overdraft on your transaction account.

By default, if you have a Discovery Bank Suite, the allocation is 20% to your transaction account and 80% to your credit card account. However, you can adjust this allocation according to your preferences.

To adjust your credit limit allocation, you can easily make changes using the Discovery Bank app as follows:

 

• ✅ Start by accessing the app and navigating to the “More” section.
• ✅ From there, select the option for the single credit facility, typically labeled as “Single credit facility.”
• ✅ Within the credit facility settings, you will find the option to adjust your allocations.
• ✅ Tap on the “Change” button to proceed.
• ✅ You can then select the account you want to allocate from and enter the desired amount you wish to allocate.
• ✅ Once you have entered the allocation amount, tap “Update” to save the changes.

 

This straightforward process allows you to modify your credit limit allocation whenever needed, giving you greater control over how your credit is distributed between your transaction and credit card accounts.

 

Making Payments and Due Dates

 

Several options are available to suit your needs and preferences when making payments and managing your Discovery Credit Card.

 

• ✅ Minimum Amount Due: Paying at least the minimum amount due on your single credit facility each month is important. This ensures you meet your repayment obligations and avoid late payment fees or penalties.
• ✅ Debit Order: Setting up a debit order is convenient for managing your credit card payments. By doing so, you can authorize the bank to deduct a specified amount from your linked account each month. This method helps reduce your interest charges by paying off a larger portion of the outstanding balance on your credit card.
• ✅ Fixed Percentage: Another option is to pay a fixed percentage of the outstanding balance on your credit card. This allows you to maintain a consistent payment amount based on your chosen percentage.
• ✅ Fixed Amount: If you prefer a more predictable approach, you can pay a fixed amount towards your monthly credit card balance. This ensures you pay a specific sum, regardless of the outstanding balance.

 

 

Paying the full statement balance means clearing the total amount shown on your monthly credit card statement. By doing so, you avoid accruing interest charges on the unpaid balance.

 

Managing card Transactions and Statements

 

Managing your card transactions and accessing account statements with Discovery Bank is straightforward. Here’s a step-by-step guide to help you navigate these tasks:

 

To download your account transaction history:

 

• ✅ Start by logging in to the Discovery Bank app.
• ✅ From the home screen, you can either scroll through your accounts and choose the relevant one or tap “Accounts” to select the desired account.
• ✅ On the top-right corner of the screen, tap the three dots (…) icon.
• ✅ From the options presented, select “Download transactions.”
• ✅ Specify the date range for the transaction history and select the preferred file format.
• ✅ Initiate the download by tapping “Send.”

 

For accessing your account statements:

 

• ✅ Log in to the Discovery Bank app.
• ✅ On the bottom-right of the screen, tap “More” and then select “Statements.”
• ✅ Choose the specific account you want to view or download a statement.
• ✅ Select the month corresponding to the statement you require.
• ✅ If you need a certified copy of the statement, tap the three dots (…) icon on the top-right corner and choose “Get a certified copy.”
• ✅ To share, save, or print the statement, tap the share icon, and select your preferred option.

 

Reward redemption options

 

Discover Bank offers a range of reward redemption options that provide flexibility and value. With Discovery’s automated calculation system, your rewards are automatically calculated and transferred to the appropriate channels. Here is an overview of the redemption options available:

 

• ✅ Bank Account: Your rewards can be directly transferred to your Discovery Bank account. This allows you to use the funds for various banking needs, such as paying bills, making purchases, or building savings.
• ✅ Vitality Savings: You have the option to transfer your rewards to your Vitality Savings account. This helps you grow your savings while enjoying the benefits of your accumulated rewards.
• ✅ Discovery Miles: Discovery Miles is Discovery’s versatile rewards currency. Your rewards can be converted into Discovery Miles, which can be used for various purchases, including flights, accommodation, car rentals, shopping, and more. The Discovery Miles program provides a flexible way to maximize your rewards.
• ✅ Vouchers and Gift Cards: You can choose to redeem your rewards in the form of vouchers or gift cards. These can be used at partner stores and establishments, allowing you to enjoy discounts or exclusive offers.

 

 

If you prefer to give back, Discovery allows you to donate your rewards to select charitable organizations. This way, you can positively impact by supporting causes you care about.

 

The Benefits of Discovery Bank Credit Cards

 

Below are some of the benefits offered by Discovery Bank Credit Card Options:

 

• ✅ Make the most of your Discovery Miles by receiving up to 20% off when purchasing prepaid airtime, data, water, or electricity.
• ✅ Benefit from up to 20% off on purchases made at the Vitality Mall, enhancing savings on assorted items.
• ✅ Credit cardholders receive up to 5% interest on positive balances, making their money work harder.
• ✅ A Discovery Bank Suite includes a credit card with enhanced features, a superior transaction account, and unlimited savings accounts.
• ✅ One of the advantages of having a Discovery credit card is the ability to borrow money when you do not have immediate access to funds.
• ✅ The reward for Gym Membership: With the Discovery Premium Card, you can receive up to one hundred cashback on a gym membership.
• ✅ Enjoy up to 20% discounts on Uber rides, making transportation more affordable and convenient.
• ✅ Earn up to 20% back in miles rewards when fuelling at BP and Shell Garages using the Discovery credit card.
• ✅ Receive up to 50% cashback on healthcare purchases at stores like Clicks and Dis-Chem.
• ✅ Discovery Bank clients enjoy controllable, variable interest rates for managing their finances.

 

 

and much, MUCH more!

 

 

Discovery Bank Cashback Rewards Program

 

How the cashback rewards program works

 

The Cashback Rewards Program at Discovery Bank is intended to reward customers for their banking activities. Customers will receive cashback on purchases made with their Discovery Bank credit card.

The amount of cashback received is contingent on the type of transaction and the customer’s level of engagement with the bank. The more a customer makes purchases with their Discovery Bank card, the more cashback they can earn.

 

 

Eligibility and earning potential

 

The Cashback Rewards Program requires customers to have a Discovery Bank account and a Discovery Bank card. There is no limit on how much cashback a customer can earn, so the earning potential is unlimited.

However, the amount of cashback earned can vary depending on the type of purchase and the level of customer engagement with the bank. The bank has a tiered system for cashback rewards, with higher tiers earning a greater percentage of cashback on purchases.

 

 

Dynamic Interest Rates

 

Customers can reduce their borrowing rates by up to 6.75% by maintaining healthy banking habits and enhancing their Vitality Money status.

They can also earn up to 7.25% interest on savings accounts and up to 5% on transaction accounts. These rates depend on the customer’s Vitality Money status and Discovery Bank products.

 

 

Enhanced Vitality Rewards with Dynamic Discounts

 

Customers can boost their Vitality rewards and receive up to 75% cashback on HealthyFood items at Pick n Pay and Woolworths. Additionally, they can earn up to 50% cashback on HealthyCare essentials purchased from Clicks or Dis-Chem.

Rewards are deposited back into the customer’s Discovery Miles account, which can be redeemed for various in-store and online partners or cashed out. Some rewards are deposited into the Vitality Savings Account, which benefits from Discovery Bank’s Dynamic Interest Rates.

 

 

Vitality Active Rewards

 

Through Vitality Active Rewards, customers can earn thousands of Discovery Miles per week. Customers who meet their Exercise, Drive, and Spend goals are rewarded with Discovery Miles, which can be used for various purposes.

 

 

Earn Discovery Miles on every purchase

 

Credit card holders of Discovery Bank earn Discovery Miles whenever they make in-store or online purchases. In addition, they receive Discovery Miles as compensation for HealthyLiving, fuel, and Uber discounts.

These Miles are redeemable for up to 15% off at the Vitality Mall, partner stores (online and in-store), prepaid products, and services. Additionally, customers can use Miles for travel, peer-to-peer payments, and cash exchanges.

 

 

Discovery Bank Travel Benefits

 

Discovery Bank offers Vitality Travel, a comprehensive travel booking platform designed to streamline and enhance your travel experience. With Vitality Travel, you can conveniently make all your travel bookings, including flights, accommodation, and car hire, in one place using your desktop computer.

Additionally, Discovery Bank allows you to make local and international flight bookings directly through their mobile app, providing even greater convenience and accessibility. Vitality Travel integrates seamlessly with your Vitality travel rewards, enabling you to unlock exclusive discounts and benefits across a wide range of travel options.

This includes discounted flights, accommodations, car rentals, and access to exciting local and international travel experiences.

 

 

Airport lounge access

 

Discovery Credit Cards offer airport lounge access as a benefit to their cardholders. Here’s an overview of the lounge access benefits provided by Discovery Credit Cards:

 

• ✅ Discovery Bank Gold and Platinum Cards:
• ✅ Clients with Discovery Bank Gold and Platinum cards cannot access airport lounges as part of their benefits.
• ✅ Discovery Bank Black Cards:
• ✅ Clients with Discovery Bank Black cards receive six complimentary travel lounge visits annually.
• ✅ Each visit allows for one free guest to accompany the cardholder.
• ✅ Lounge access is provided through LoungeKey, granting access to over 1,000 airport lounges worldwide, ✅ including domestic South African travel lounges.

 

Here are some of the South African travel lounges available:

 

• ✅ Bloemfontein International (BFN)
• ✅ Cape Town International (CPT)
• ✅ Durban King Shaka Intl (DUR)
• ✅ East London (ELS)
• ✅ George (GRJ)
• ✅ Johannesburg Lanseria International (HLA)
• ✅ Johannesburg O.R. Tambo Intl (JNB)
• ✅ Nelspruit Kruger Mpumalanga Intl (MQP)
• ✅ Port Elizabeth Intl (PLZ)

 

Travel insurance coverage:

 

Discovery Credit Cards provides comprehensive travel insurance benefits to their cardholders, offering coverage that varies based on the card type and ticket payment method.

Travel insurance coverage includes various benefits such as emergency medical and related expenses, personal accidents, baggage loss or delays, personal liability, hijacking or wrongful detention, and trip cancellation or postponement.

The specific coverage amounts and benefits depend on the specific Discovery Bank product; detailed information can be found in the policy documents.  It is important to note that the travel insurance coverage is valid for medical emergencies outside South Africa for 90 days from departure. The coverage ends upon returning to South Africa or after 90 days, whichever happens first.

Furthermore, the partnership between Discovery Bank and Visa offers additional travel benefits, including medical and legal assistance, global customer assistance services, merchant offers, airport dining programs, multi-trip travel insurance, lounge access, and collision damage waiver insurance.

Cardholders can access these benefits by logging into the Cardholder Benefits Online portal using their Visa Signature (Black) or Infinite (Purple) card number.

Here’s an overview of the travel insurance coverage available with Discovery Credit Cards:

 

Discovery Bank Gold and Platinum Cards:

 

• ✅ Cardholders who purchase their international travel ticket with their Discovery Bank Gold or Platinum credit or debit card or partially with Discovery Miles qualify for free international travel insurance provided by Discovery Travel Insurance through Discovery Insure Ltd.
• ✅ The account must be in good standing, without any arrears or missed payments, and the FICA documents must be in order.
• ✅ Coverage is provided for 90 days or until the cardholder returns to South Africa, whichever comes first.
• ✅ Travel insurance is not applicable for tickets paid through electronic funds transfer (EFT).

 

Discovery Bank Black and Purple Cards:

 

• ✅ Cardholders who purchase their international travel ticket, or any portion of it, with their Discovery Bank Black or Purple credit or debit card, receive free VISA insurance through Chubb Insurance South Africa Ltd.
• ✅ The account must be in good standing, with no arrears or missed payments, and FICA documents must be in order.
• ✅ Coverage is provided for 90 days or until the cardholder returns to South Africa, whichever comes first.
• ✅ Travel insurance is not applicable for tickets paid through EFT.

 

 

Discovery’s Foreign transaction fees and currency conversion:

 

Discovery Bank offers foreign transaction services and currency conversion options to its clients. Here is an overview of Discovery Bank’s foreign transaction fees and currency conversion features:

 

• ✅ Discovery Bank Forex Accounts:
• ✅ Clients can instantly open British Pound, Euro, and US Dollar Forex Accounts within the Discovery Bank app.
• ✅ No additional paperwork or documentation is required to open these accounts.
• ✅ Clients can convert their South African Rand (ZAR) to these foreign currencies in real time to start saving and transacting.
• ✅ The foreign currency balances can be viewed alongside other banking portfolios within the app.

 

• ✅ Zero Transaction Fees:
• ✅ No transaction fees are charged when transferring money between the Forex Accounts and Rand accounts.
• ✅ Clients can utilize real-time exchange rates and lock in their preferred rates for currency conversions.

 

• ✅ Saving in Foreign Currencies:
• ✅ Clients can save in British Pounds, Euros, or US Dollars without a minimum balance requirement.
• ✅ Instant conversion of Rand to foreign currency is available for efficient savings.

 

• ✅ Payments in Over 60 Currencies:
• ✅ Clients can make payments in over 60 global currencies for online shopping or travel bookings.
• ✅ Real-time conversion quotes are provided in the banking app before making a payment.

 

• ✅ Flexible Fee Structure:
• ✅ Clients have the flexibility to choose how transaction fees are handled. They can pay the fees, split them with the recipient, or pass them entirely to the recipient.

 

• ✅ Multicurrency Virtual and Physical Cards:
• ✅ Clients can make secure travel payments using a free multicurrency virtual card on their smart devices.
• ✅ Multicurrency physical debit cards are also available for cash withdrawals.

 

• ✅ International Payments:
• ✅ International payments can be received directly into any foreign currency Forex Accounts or Rand accounts, depending on the preferred currency.

 

 

Discovery Bank Enhanced Security Features

 

Discovery Bank goes above and beyond to protect its clients’ money and personal information. Security steps taken include:

 

Card protection and fraud prevention measures

 

• ✅ Enhanced Security from Visa:
• ✅ Discovery Bank provides all Visa cards with secure chip and PIN technology for physical transactions.
• ✅ Online purchases are safeguarded by Verified by Visa and Visa Checkout, offering market-leading protection during online transactions.

 

• ✅ Enhanced Data Storage and Protection:
• ✅ Discovery Bank implements stringent controls to secure clients’ data. Data is encrypted and stored on encrypted servers, ensuring privacy and protection.

 

• ✅ Fraud awareness:
• ✅ Discovery Bank provides information on the latest scams and fraudulent activity to help you spot and report fraud. They also offer tips on how to protect yourself against fraud.

 

• ✅ Card Controls:
• ✅ Discovery Bank allows you to manage your card settings through their app. You can temporarily block or unblock your card, report it lost or stolen, and even order a new card. You can also manage your card’s limits for ATM withdrawals and point-of-sale transactions.

 

 

Secure Online Transactions and Card Controls

 

Discovery Bank prioritizes the security of its clients’ online transactions and provides robust measures to ensure a safe banking experience. Here is an overview of Discovery Bank’s Secure Online Transactions and Card Controls:

 

• ✅ Real-time Identity Verification:
• ✅ During the account setup process, clients can easily establish facial ID for authentication and verification purposes. This ensures that only the authorized individual can access the banking app.

 

• ✅ Market-leading Biometric Identification:
• ✅ Clients can log in to the Discovery Bank app using a secure fingerprint or Facial ID, utilizing advanced biometric technology for enhanced security.

 

• ✅ Discovery Digital Identification:
• ✅ With a single digital login, clients can seamlessly navigate between Discovery apps, including health, drive, and banking apps, ensuring a unified and secure user experience.

 

• ✅ Real-time Alerts and Notifications:
• ✅ Clients receive real-time smart notifications of account activity, enabling them to stay informed about their financial transactions. Notifications can be received through email, in-app messages, or both.

 

• ✅ Secure Online Banking:
• ✅ Discovery Bank offers a mobile-first approach but ensures access to enhanced banking features on various devices, including desktops, laptops, and tablets.  The highest security measures of mobile banking are maintained across all devices, providing a consistent level of protection.

 

• ✅ Safe Online Shopping:
• ✅ Discovery Bank also provides tips for safe online shopping. They recommend only shopping on secure websites, regularly updating passwords, and being wary of phishing scams.

 

• ✅ Account Management:
• ✅ The bank offers a range of tools for managing your accounts. This includes viewing your account balance and transaction history, transferring funds between accounts, and making payments.

 

 

Through these measures, Discovery Bank strives to maintain a secure environment for online transactions, protecting clients’ sensitive information and ensuring a safe banking experience on all devices.

 

 

Access to Exclusive Offers and Discounts

 

Partnerships and deals with retailers and service providers

 

Discovery Bank offers a range of partnerships and deals with various retailers and service providers, providing clients with opportunities to enjoy rewards and savings on a wide range of products and services. Here’s an overview of Discovery Bank’s partnerships:

 

• ✅ At Virgin Active, clients can save up to 75% on their monthly gym fees.
• ✅ At Planet Fitness, clients can save up to 75% on their monthly gym fees.
• ✅ Clients can get up to 75% cashback on HealthyFood purchases at Pick n Pay.
• ✅ Clients can get up to 75% cashback on HealthyFood purchases at Woolworths.
• ✅ Clients can enjoy discounted movie tickets at Ster-Kinekor, and free movies for kids before 7 p.m.
• ✅ Clients can get up to 50% cashback on thousands of HealthyCare items at Clicks.
• ✅ Clients can get up to 50% cashback on thousands of HealthyCare items at Dis-Chem.
• ✅ At Sportsman’s Warehouse, clients can save up to 25% upfront on sports gear and equipment. Additionally, they can save up to 75% upfront on their next fitness device, Nike footwear, or Nike apparel.
• ✅ Clients can save up to 25% upfront on sports gear and equipment at Totalsports. They can save up to 75% upfront on their next fitness device, Nike footwear, or Nike apparel.
• ✅ Clients can get active and fund their Apple Watch Series 7 (GPS) or Apple Watch SE (Cellular) through Discovery Bank.

 

These partnerships offer clients attractive discounts, cashback, and savings on various products and services, including gym fees, healthy food purchases, movies, sports gear, and even Apple Watches.  By taking advantage of these deals, clients can enjoy rewards for healthy living and driving well while saving on their everyday expenses.

 

 

Exclusive Discounts and Promotions for Cardholders

 

Discovery Bank offers a variety of benefits and rewards for its cardholders. Here are some of the key highlights:

 

• ✅ Travel Benefits: Cardholders can enjoy up to 35% off on local and international flights. They also offer up to 50% off car rentals and up to 35% on hotel bookings.
• ✅ Lifestyle Rewards: Discovery Bank offers up to 20% cashback on healthy food items at Pick n Pay and Woolworths. They also provide up to 75% cashback on fitness devices and 100% cashback on gym memberships.
• ✅ Healthcare Benefits: Cardholders can get up to 100% cashback on HealthyCare items at Clicks or Dis-Chem.
• ✅ Fuel Rewards: Discovery Bank offers up to R800 monthly on fuel spent at BP and Shell service stations.

 

 

Furthermore, Cardholders can earn Discovery Miles on all card purchases and use them to pay for a wide range of lifestyle items.

 

 

Tips on Maintaining and Improving Your Credit Score with Discovery Credit Cards

 

Maintaining and improving your credit score is essential for your financial well-being. Here are some tips on what to do and what to avoid when using your Discovery credit cards to help maintain and improve your credit score:

 

To Maintain and Improve your credit score with Discovery Bank Credit Cards you should:

 

• ✅ Make timely payments: Ensure you pay your credit card bills on time to avoid late fees and negative impacts on your credit score. Consider setting up automatic payments or reminders to help you stay on track.
• ✅ Maintain a low credit utilization ratio: Aim to keep your credit utilization ratio, which compares the amount of credit you use to your total available credit, as low as possible. You should not use more than 30% of your available credit to demonstrate responsible credit usage.
• ✅ Regularly monitor your credit: Stay informed about your credit status by checking your credit reports and scores. This will help you identify any errors or potentially fraudulent activity. Discovery offers credit monitoring services that can assist you in staying updated on changes in your credit profile.
• ✅ Use credit responsibly: Only charge what you can afford to repay and avoid maxing out your credit cards. Use your credit cards for necessary expenses and emergencies rather than excessive or impulsive spending.

 

 

The length of your credit history can positively impact your credit score. Consider keeping older credit card accounts open to demonstrate a longer credit history, even if you do not use them frequently.

 

To Maintain and Improve your credit score with Discovery Bank Credit Cards you shouldn’t:

 

• ✅ Avoid missing payments: Late or missed payments can significantly harm your credit score. Make every effort to pay at least the minimum amount due on time each month.
• ✅ Steer clear of excessive credit applications: Applying for multiple credit cards or loans within a brief period can harm your credit score. Only apply for credit when necessary and space out your applications.
• ✅ Do not close old credit card accounts: Closing old ones can shorten your credit history and potentially increase your credit utilization ratio. Unless these accounts come with high fees or a specific reason to close them, you should keep them open.
• ✅ Refrain from maxing out your credit cards: Maxing out your credit cards or carrying high balances can negatively affect your credit score. Aim to keep your balances low and strive to pay off your credit card bills in full whenever possible.

 

 

If you encounter financial difficulties, reaching out to your creditors or Discovery Bank as soon as possible is important to discuss potential solutions. Ignoring credit issues can lead to further damage to your credit score.

 

 

How Discovery Bank is Disrupting Traditional Banking Models

 

Discovery Bank is revolutionizing traditional banking through its innovative approach and unique value proposition as follows:

 

✅ Shared-Value Banking and Integrated Financial Solutions:

 

Per the shared-value banking model, Discovery Bank rewards customers for managing their finances responsibly.  Discovery Bank offers customers various rewards and benefits, such as cashback, discounts, and exclusive access to travel and lifestyle perks, for engaging in healthy behaviors, such as maintaining good financial health and engaging in wellness activities.

Unlike traditional banks, which typically offer separate products and services, Discovery Bank offers its customers a comprehensive suite of integrated financial solutions.

This includes seamlessly integrating transaction accounts, credit cards, savings accounts, and personalized lending facilities on a single banking platform. This integration enables a convenient and comprehensive banking experience.

 

✅ Vitality Money and Dynamic Interest Rates:

 

The Vitality Money program is at the heart of Discovery Bank’s disruptive strategy. Vitality Money incentivizes customers to make better financial decisions, leading to improved financial health by combining financial and physical wellness.  Customers can actively manage and improve their financial well-being through personalized insights, alerts, and financial tools, resulting in a mutually beneficial relationship with the bank.

Discovery Bank has implemented Dynamic Interest Rates, an innovative feature that enables customers to actively manage their interest rates based on their financial behavior and Vitality Money status.

This dynamic approach enables customers to earn higher interest on savings, take advantage of lower borrowing rates, and incentivize fiscal responsibility.

 

✅ Cutting-edge Technology and Customer-Centric Approach:

 

Discovery Bank utilizes cutting-edge technology to provide customers with a streamlined and user-friendly banking experience.  The mobile banking application includes intuitive features such as real-time transaction alerts, instant payments, intelligent spend analysis, and personalized financial insights.

Using technology, Discovery Bank streamlines banking procedures and enables customers to manage their finances effectively.  Discovery Bank prioritizes customer-centricity. Through dedicated relationship bankers, exclusive servicing channels, and personalized assistance, customers receive exceptional support and individualized guidance.

This strategy creates a more meaningful and valuable banking relationship by fostering a deeper level of engagement.

 

✅ Disruptive Rewards and Benefits:

 

The rewards program of Discovery Bank stands out in the banking industry. Customers can earn Discovery Miles, a flexible currency redeemed for diverse benefits, including travel, shopping, and even cash.

In conjunction with discounted travel options, access to airport lounges, and exclusive lifestyle offerings, the rewards program adds significant value to the banking experience for customers.

 

 

 

 

 

Importance of Choosing the Right Credit Card

 

Choosing the right credit card is of utmost importance when managing your finances effectively and maximizing the benefits of credit card usage.

 

✅ Financial Fitness:

 

A credit card should be compatible with your financial goals and lifestyle. Determine the most advantageous credit card features based on your spending patterns, repayment capabilities, and financial priorities by analyzing your spending habits, repayment abilities, and financial priorities.

If you frequently travel, for instance, a credit card with travel rewards and airline perks would be preferable to one with cashback benefits.

 

✅ Rewards and Benefits:

 

Credit cards come with various rewards programs and perks that can significantly improve your financial experience. Consider credit cards with rewards and perks corresponding to your preferences and spending habits.  Choose a card that offers the most value to you, whether it is cashback on specific categories, discounts at partner merchants, or travel perks such as lounge access and travel insurance.

 

✅ Interest Rates and Fees:

 

Understanding the interest rates and fees associated with a credit card is essential for avoiding unnecessary expenses.  Compare various credit cards’ annual percentage rates (APR), balance transfer fees, foreign transaction fees, and late payment fees. Choose a card with competitive interest rates and low fees to reduce the total cost of credit.

 

✅ Credit Score Impact:

 

Your credit card usage significantly impacts establishing and maintaining a good credit score. Creditworthiness can be improved through on-time payments, responsible credit utilization, and a positive repayment history.

Choose a credit card that reports your payment history to credit bureaus and provides tools for monitoring and enhancing your credit score.

 

✅ Customer Service and Support:

 

Access to dependable customer service and support is essential for a successful credit card transaction.  Consider the credit card issuer’s standing and the quality of its customer service. Consider options such as around-the-clock customer service, online account management tools, and proactive fraud protection to ensure prompt assistance when needed.

 

✅ Financial Flexibility:

 

The appropriate credit card should allow you to manage your finances effectively. Consider grace periods without interest, installment payment options, and flexible credit limits.

These features can assist you in optimizing your cash flow, controlling your expenses, and avoiding unnecessary interest fees.

 

✅ Security Measures:

 

Credit card security is of paramount importance in the digital age. Ensure the credit card issuer employs stringent security measures to safeguard your personal and financial data.

EMV chip technology, two-factor authentication, and fraud monitoring systems can provide peace of mind and safeguard against unauthorized transactions.

 

 

In Conclusion

 

The Discovery Credit Card is part of the offerings from Discovery Bank, which claims to be the world’s first behavioral bank. The credit card is more than just a standalone; it provides exclusive benefits and lifestyle rewards.  The bank also offers a variety of other accounts, including transaction accounts with bundled or pay-as-you-transact fees and a range of savings accounts with market-leading interest rates.

They also offer a fully digital banking account, the Discovery Account, with unique travel and lifestyle rewards, innovative payment capabilities, Vitality Money, and more.

 

Frequently Asked Questions

 

Does Discovery offer a credit card?

Yes, Discovery offers credit cards as part of its banking services.

 

Which Discovery Bank Credit Card or Suit is the best?

The best Discovery Bank suite depends on the individual’s needs and preferences, as they offer a variety of features and benefits suited to different income levels.

 

What bank is Discovery Credit Card?

Discovery Bank, a full-service digital bank, issues Discovery Credit Card.

 

How long does Discovery take to approve a credit card?

A few minutes. However, the approval time for a Discovery credit card will vary based on the applicant’s specific situation and the completion of the application process.

 

What makes Discovery Bank different from traditional banks?

Discovery Bank distinguishes itself from conventional banks with its innovative approach, personalized rewards, cutting-edge technology, and emphasis on holistic financial well-being through programs such as Vitality Money.

 

How does the Vitality Money program work?

The Vitality Money program offers incentives to customers who engage in responsible spending, saving, and credit management.

 

Can anyone join Discovery Bank, or is it exclusive to Discovery Limited members?

Yes, anyone can join Discovery Bank. However, while Discovery Bank is open to anyone who meets their eligibility criteria, certain benefits and rewards may be exclusive to Discovery Limited members.

 

What security measures are in place to protect customer data?

Discovery Bank employs stringent security measures to protect customer information, such as advanced encryption, two-factor authentication, and fraud monitoring systems.

 

How does Discovery Bank leverage technology to enhance the banking experience?

Discovery Bank leverages technology to provide a seamless and convenient banking experience through features like its mobile app, real-time payments, and virtual cards.

 

Are there any fees associated with using Discovery Bank’s services?

Yes, there are fees associated with using Discovery Bank’s services. The fees associated with using the services of Discovery Bank can vary depending on the accounts and products selected.

 

What kind of shared-value partnerships does Discovery Bank offer?

Discovery Bank offers shared-value partnerships with various companies and brands that offer customers exclusive discounts, rewards, and perks.

 

How can Discovery Bank influence the banking industry as a whole?

Discovery Bank has the potential to influence the banking industry by driving digital transformation, introducing new services, and promoting financial wellness due to its innovative approach and customer-centric focus.

 

How do I qualify for a Discovery Bank Credit Card?

You must be 18 years old during the application, have a decent credit score, not be under administration, and be a South African Resident. Other than these, additional criteria might apply.

 

What are the fees associated with Discovery Bank Credit Cards?

Monthly account fees, single credit facility fees, and more. Depending on the card and account selected, the fees associated with Discovery Bank credit cards can vary.

 

Can I use my Discovery Bank Credit Card internationally?

Yes, Discovery Bank credit cards can be used wherever Visa is accepted internationally.

 

How can I track my credit card transactions?

You can monitor their credit card transactions via the mobile app or by logging into your account online.

 

Can I set spending limits or block certain transactions on my card?

Yes, Discovery Bank allows customers to set spending limits and block specific transactions via their mobile app.

 

What happens if my card is lost or stolen?

You can contact Discovery Bank immediately to report a lost or stolen card and to request a replacement.

 

How can I earn and redeem cashback rewards?

You can earn cashback rewards based on your spending with the Discovery Bank credit card, which can be redeemed through the bank’s rewards program or used to offset future purchases.

Furthermore, you can redeem cashback rewards through the Discovery Bank app or by contacting customer service for redemption options.

 

Other Resources

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