Discovery Bank Platinum Credit Card Review

The Discovery Bank Platinum is for people who want their credit card to work for them—not just take their money.

Say hello to a credit card that’s not just about spending—it’s about living smarter, earning more, and feeling rewarded every time you use it. The Discovery Bank Platinum Credit Card Account is designed for people who want more than just transactional convenience: it layers in wellness, travel, dynamic rewards, and control. 

Imagine grocery runs, fuel purchases, online shopping, travel bookings—all earning you Ðiscovery Miles or boosted rewards, plus the potential to save on flights, enjoy airport lounges, and benefit from lower borrowing rates depending on how well you manage your finances. This is more than credit; it’s a lifestyle upgrade that rewards good behaviour, healthy living, and active financial wellness. 

Discovery Bank Platinum Benefits

1. Strong Rewards with Discovery Miles & Vitality Money: With the Platinum card, you earn Ðiscovery Miles on all qualifying purchases—and better yet, your Vitality Money status boosts how many Miles you earn. The higher your Vitality Money tier (which depends on your financial behaviour, spend habits, etc.), the more rewards you unlock. It’s not just swiping—it’s about engaging with the system to increase what you get back. 
2. Up to ~50% Back at Healthy Living Categories: Platinum cardholders get up to 50% back (in Miles) on healthy groceries (Checkers, Woolworths & their online/delivery channels), on personal care / baby essentials at places like Clicks, Dis‑Chem, and related categories under Vitality’s HealthyFood / HealthyBaby / HealthyCare programs. If you shop in those categories, this benefit is a major return. 
3. Fuel & Uber Rewards: You can get up to 15% back in Miles on fuel purchases at BP and select Shell service stations, and similarly for Uber rides—making commuting or ride‑sharing spend more rewarding. 
4. Real‑Time Forex Accounts & Multi‑Currency Convenience: You get access 24/7 to Real‑Time Forex Accounts in USD, GBP, EUR etc. within the app. That means you can hold, convert, and transact in those currencies, often with lower friction, useful for travel or overseas e‑commerce. 
5. Travel Perks & Discounts: Platinum offers travel benefits: discounts on local & international flights via Vitality Travel; free international travel insurance when booking flights using your Platinum card; access to “The Lounge” (Discovery / SAA lounges) in major SA airports (OR Tambo, Cape Town, King Shaka, etc.). 
6. Lifestyle & Virtual Card Tools / Payment Flexibility: The Platinum account gives you up to 50 free virtual cards, app‑based control over cards (limits, PINs, freezing), digital wallet compatibility (Apple Pay, Google Pay etc.), and easier management of your spending. Plus, things like Health Pay for medical co‑payments, etc. 
7. Shared‑Value & Vitality Integration Rewards: The card ties into Vitality (Health, Money etc.), and Discovery’s shared‑value banking concept. That means that the more you use Discovery’s ecosystem, maintain good financial behaviour, spend in qualifying categories, the greater your rewards, and some of the fees and charges are offset via benefits. 
8. Shopping & Redemption Flexibility with Miles: Your Ðiscovery Miles are versatile: you can use them for flights, holiday accommodation, car hire; exchange them for cash; spend them in‑ app / via Vitality Mall / partner retailers; use them for digital vouchers, airtime/data, prepaid services, etc. Also, special “Miles‑ Ð‑Days” or days on which your Miles redeem at enhanced value or discounts. 
9. Access to “The Lounge” & Departure Lounge Visits: As a Platinum cardholder, you get a set number of departure lounge visits per year for domestic departures, and an international departure lounge visit. “The Lounge” is Discovery’s partnership with SAA, etc. These perks make travel more comfortable. 

3. Who Can Apply: Eligibility Criteria

Here are the known criteria / requirements to qualify for the Discovery Bank Platinum Credit Card Account:

• Qualifying annual income: R 350,000 to R 850,000 per year. 
• Residency / ID: Must be a South African citizen or a foreign national with permanent residency / valid passport & visa under qualifying status. Must produce proof of identity. 
• Proof of residence: Typically utility bill / rates etc. not older than 3 months. 
• Proof of income: Payslips, bank statements, etc., because they need to verify your income falls in the required range and check affordability. 
• Age: Must be 18 or older. Standard practice. 
• Pass credit & affordability check: Discovery Bank will assess your credit record, other debt obligations, etc. 

How to Apply: Step‑by‑Step

Here’s how you can apply for this Bank Platinum:

1. Download the Discovery Bank app (or if already a Discovery Bank client, log in) or go to Discovery Bank’s website. 
2. Navigate to Credit Cards / Credit Card Accounts and choose the Platinum option. 
3. Review the benefits, fees, and terms to ensure you meet the qualification requirements (income, residency, etc.). 
4. Complete the application form online: personal details, income/employment information, banking history. 
5. Upload required documentation: ID or passport, proof of residence, recent payslips or bank statements. 
6. Consent to credit / affordability and KYC checks. 
7. Once approved, receive your card/account, set up any virtual cards, forex accounts, app settings (PINs/limits), and begin using the card. 

Frequently Asked Questions 

• What is the monthly fee for the Discovery Platinum Credit Card Account, and what does it cover?

The monthly account fee is R170. This covers your account fee, the Vitality Money premium, the single credit facility fee, and more. After that, you only pay for what you use in terms of other fees (foreign transactions, etc.). 

• How many interest‑free days do I get on purchases?

You get up to 55 days’ interest‑free credit on select qualifying transactions. This means if you settle the full statement balance by the due date, you avoid interest on those purchases. 

• What travel benefits are included, and are there lounge access perks?

Yes. You get access to discounted flights (local and international) via Vitality Travel; free international travel insurance when you use your Platinum card to purchase flight tickets; and lounge access via “The Lounge” by Discovery & SAA at major South African airports. The Platinum account also gives a certain number of domestic departure visits and an international departure lounge visit per year.