Discovery Bank Platinum Card review: A High-End Credit Card

In this Discovery Bank Platinum Card review you will find out about this card's rewards on health and fitness, flexible credit facility and more!


by Danilo Pereira

Published on 03/03/2023

Get a Personalized Stack of Rewards with Vitality Money Programme

This credit card is for high earners. Source: The Post New.

Looking for a credit card with exclusive benefits and lifestyle rewards? Check out this mid-tier card with discounts on flights and healthy food purchases. Here’s our Discovery Bank Platinum Card review.

Discovery Bank Platinum Card

How to get your Discovery Bank Platinum Card

In this Discovery Bank Platinum Card application guide you are going to learn how to get this card in just a few minutes.

  • Requirements: Annual income between R350,000 and R850,000
  • Initiation Fee: R150 for credit limits less than R2,000; R185 for credit limits greater than R2,000
  • Monthly Fee: R69 for single credit facility; R55 for Discovery Vitality Money Premium
  • Rates: Instant payment fee of R10; up to 55 days’ interest-free credit on select transactions
  • Rewards: Up to 60% off local flights; up to 50% back on health food purchases; savings on international flights, accommodation, and car hire. Plus, up to 50% rewards when purchasing food, exercise equipment, and health products.

This premium credit card is best suited for individuals with high annual incomes and a desire for lifestyle rewards and exclusive benefits.

The Discovery Bank Platinum Card: how does it work?

The Discovery Platinum Credit Card is an exclusive mid-tier card for those earning R350,000 to R850,000 per annum. 

Monthly single credit facility fees are R69. Cardholders can boost rewards with the Discovery Vitality Money Premium for R55 per month, with benefits including savings on flights, health food, and international travel.

The Discovery Bank Platinum Credit Card offers competitive advantages such as lower instant payment fees of R10 compared to FNB and Standard Bank. 

Furthermore, no other bank offers up to 50% rewards for purchases of food, exercise equipment, and health products. 

However, it has a disadvantage compared to Standard Bank: it does not cover your credit facility if your card is stolen during an armed robbery.

The card account is comprehensive, with features such as third-party debit orders, EFT payments, salary deposits, and 55 days’ interest-free credit. 

Overall, the Discovery Platinum Credit Card and Bank Account offers exclusive benefits and rewards to high-earning individuals. 

However, it may not be suitable for those who prioritize armed robbery coverage over lower initiation fees.

Still, The card’s comprehensive features and flexible credit facility make it a competitive choice in the market.

Plus, the Vitality Money programme’s rewards can be appealing to those looking to save on travel and health-related expenses.

Significant benefits and disadvantages of the Discovery Bank Platinum Card

Vitatily Money program will give you a lot of rewards. Source: Canva.

Our Discovery Bank Platinum Card review would be incomplete without a comparison between its benefits and disadvantages. So check out the list we have prepared for you below.



  • High rewards on health and fitness.
  • Low instant payment fee.
  • Flexible credit facility.
  • Real-time forex accounts.


  • High initiation fee.
  • Limited income range.
  • No armed robbery protection.
  • High premier card replacement fee.

Is a good credit score required for applicants?

To get a credit card from Discovery Bank, one needs a good credit score. We recommend that you check your score before applying for the Discovery Bank Platinum Card.

Learn how to apply and get a Discovery Bank Platinum Card

Do you like what you’ve seen in this Discovery Bank Platinum Card review? If so, you might want to take the next step and apply for this card.

We are going to help you do it in just a few minutes with our application guide. Just click the link below, and let us help you get your card!

Discovery Bank Platinum Card

How to get your Discovery Bank Platinum Card

In this Discovery Bank Platinum Card application guide you are going to learn how to get this card in just a few minutes.

About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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