Discovery Vitality program review 2022

Discovery Vitality program has arguably the most forward-thinking banking rewards in South Africa. According to Discovery ‘ Vitality is the world’s leading science-based behavioural change program that encourages healthy activities among employees and individuals and rewards them for it.’

Indeed, Discovery’s Vitality program encourages healthy activity among employees and individuals. The Vitality program is available for both individuals and businesses. The rewards are massive and can be enjoyed on a month to month basis.

Discovery Vitality program offers rewards that go beyond banking. Not only are you rewarded for making better banking decisions but you also earn for keeping healthy, driving well and maintaining a good lifestyle.

By banking with Discovery bank, you get a chance of owning an Apple iPhone. Yes, an apple iPhone that comes by just being healthy. However, this is dependent on the type of card you have with Discovery bank.

Vitality Miles, Health and Money

Vitality Miles

Discovery’s Vitality miles allows you to earn Vitality points by driving well. This program is unique as it monitors the way you drive. The program is there to encourage South Africans to become better drivers and stay safe on the road.

With the discovery miles program, you earn points depending on how well you drive. You first need to join the Vitality drive program so that you can start earning points. To become a member of the Vitality Miles you need to sign up to Discovery insure.

After signing up for Discovery insure then your Vitality drive will be active. You can then earn up to 50% cashback on fuel at BP and Shell garage. However, for a 50% cashback on fuel you will need to do the following :

  • Install a Vitality Drive Sensor at any Tyger Wheel and Tyre.
  • Link your Vitality Drive card, and

To earn points you need to use your Vitality Drive card when filling up at BP and Shell.

Vitality Money

Vitality money is there to help you stay financially healthy. You will earn points for banking and managing your finances well. By changing your spending habits and using the recommendations from Vitality Money you will get to make sound financial decisions.

Here are 5 tips that can earn you Vitality money points and get you to be financially healthy.

  • Saving regularly
  • Paying off your property
  • Investing for long term
  • Insuring yourself against unforeseen events
  • Spending less than what you earn

These 5 behavioural factors are important to your financial well-being that goes beyond retirement. If you follow these financial tips you will be able to save for retirement, have emergency funds and have favourable debt by meeting all your financial obligations.

The Vitality Money feature has five stages and by climbing to the highest point you get to earn more points. Five stages include blue, bronze, silver, gold and diamond status. The figure below depicts how many points you need to achieve for the different statuses:

Status Points
Blue Less than 39 999
Bronze Between 40 000 – 59 999 points
Silver Between 60 000 – 79 999 points
Gold More than 80 000 points

The Diamond status is the highest status that one can achieve and is dependent on the amount of salary that one earns.

It also has a prerequisite that as a Vitality member you also need to be on the gold status. Here are the annual income requirements:

Annual income Savings needed for diamond status
Less tthan R350,000.00 R20,000.00
Between RR350,000.00 and R850,000.00 R45,000.00
More than R50,000.00 R100,000.00

As you can see to achieve the highest status and get higher Vitality points it means you need to have money in your savings account. So you save for emergencies while earning points.

Vitality health

Vitality health allows you to earn points by getting active, eating well and doing all your health checks. Like Vitality Money to earn high percentage points you will need to achieve the diamond status.

To be a member of the discovery health program you need to have a medical aid that is administered by Discovery health. What determines your point are the 3 main factors which are eating healthy, getting active and doing relevant health checks.

You can do a Vitality health check at an accredited Vitality wellness centre, Vitality wellness network pharmacy, discovery store or discovery wellness day. Checks include blood pressure, blood glucose, cholesterol, weight assessment and non-smoker declaration.

By doing health checks you can earn up to 22 500 points of Vitality health points. This is subject to the number of times your results may indicate an elevated risk of developing a lifestyle-related disease.

For further checks, you can earn more points based on your gender and age. Here are further health checks that you can make including maximum points that you can earn:

Check to perform Maximum points to earn
Pap smear 2 500
Mammogram 2 500
Colonoscopy 2 500
Glaucoma Screening 2 500
HIV test 7 500
Dental health check 1 000
Flu vaccination 1 000

Vitality Rewards

With vitality, you can earn up to 100% back in points and up to 75% cashback. Here are vitality rewards that you can take advantage of:

  • save up to 25% on select Vitality Active Rewards redemptions worth 350 Discovery Miles or more based on your Vitality Health status.
  • Vitality Drive members get up to 50% of fuel spend back at BP and Shell, plus enjoy up to 25% off Uber trips.
  • As a Vitality Money member, you get up to 20% back on your fuel spend at BP and selected Shell garages service stations. Plus get up to 20% back on Uber trips.
  • You can get up to 15% back with Contiki, Royal Caribbean International and World Leisure Holidays.
  • Vitality health members get up to 75% back when shopping at Pick’n Pay and Woolworths.


As the first behavioural bank in the world Discovery Bank has done a pretty unusual job with the Vitality rewards program. Since Discovery medical scheme is the biggest in South Africa, many South Africans will benefit from this reward program by eating healthy and managing their health hence living longer.

Frequently Asked Questions

1. What is Vitality?

Vitality is a rewards program from Discovery limited that gives rewards for better driving, healthy choices and good money management.

2. What is Vitality Money?

Vitality Money is a reward program from Discovery Bank that rewards clients for making better banking decisions.

3. What do I get for banking better?

For banking better with Discovery bank, you get a chance to earn higher interest on savings and Discovery Vitality money points. Furthermore, your Vitality money status will increase.

4. What are the stages on the Vitality Money?

There are five stages on the Vitality Money namely blue, bronze, silver, gold and diamond.

5. What is the difference between Vitality and Vitality Money?

Vitality is a science-based program that encourages healthy activity among individuals while Vitality Money is for those with Discovery bank accounts and they earn points by being financially responsible.

6. What is Vitality health?

Vitality health is mainly focused on the health activities of a medical health insurance owner.

7. What is Vitality Miles?

The Vitality miles track how those with Discovery car insurance travel and rewards them for travelling in a responsible way.

8. How can I achieve a diamond status on Vitality?

It depends on which discovery Vitality reward you are targeting to achieve. Vitality health, money and mile all have different requirements to reach the diamond status.

9. What is the fuel cash back that I can get on Discovery Miles?

You can get up to 50% back on fuel with Discovery Miles.

10. Where can I install my Vitality drive sensor?

You can install the Vitality drive sensor at any participating Tyger Wheel and Tyre countrywide.

11. Who qualifies for iPhone benefit?

To qualify for an iPhone benefit you need to open a cheque account with Discovery bank and then open a credit facility as well. Therefore, you need to have a credit facility with Discovery bank to qualify for the iPhone benefit.

12. How many percent discount do I get if I drive less?

With Discovery insure you get up to 20% back if you drive less than 250km per month.

Discovery Vitality program review 2022

Lethabo Ntsoane

Lethabo Ntsoane holds a Bachelors Degree in Accounting from the University of South Africa. He is a Financial Product commentator at Rateweb. He is an expect financial product analyst with years of experience in reviewing products and offering commentary. Lethabo majors in financial news, reviews and financial tips. He can be contacted at [email protected]

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