Discovery Card Gold Credit Card

Eligible earners (R100 000 – R350 000 p.a.) get up to 55 days of interest‑free dynamic rates that drop borrowing costs by as much as 5 percentage points, automatic travel insurance and rich Vitality‑linked rewards in Discovery Miles. 

Tip: Check your credit score and see how you can make better money choices to improve your credit health. 

Key features and rewards

Vitality money and Discovery Miles

Earn Miles on every swipe, then get up to 15% off when spending them – doubled to 30 % off every Miles Ð‑Day on the 15th of each month. Healthy grocery, personal care, and babycare purchases can pay up to 40% cashback at partners such as Checkers, Woolworths, Clicks, and DisChem.

Dynamic interest and savings

Good banking behaviour raises your Vitality Money status, letting you earn up to 1.1% on everyday balances, 5.75% on demand savings and save up to 5% on borrowing rates.

Travel benefits

Buy tickets with your Gold Credit Card to unlock free international travel insurance, plus flight discounts of 10%–50% through the Discovery Bank app and access to global Visa acceptance.

Spend control and security

• You can use up to 50 virtual cards to make your online shopping safer.

• You can split a single credit facility between the card and an overdraft.

• You will receive free real-time spend notifications and incur no fraud liability if you promptly report any fraudulent activity.

Why choose the Discovery Gold Credit Card?

• Affordable bundle: R115 covers accounts, rewards, and facility fees.

• Wide‑open earning window: Income starts at R100 000 p.a., perfect for young professionals.

• The rewards, linked to your behaviour, are unparalleled in South Africa.

• Dynamic rates reduce debt costs as your habits improve.

• Visa offers global acceptance, enabling you to swipe or tap from anywhere in the world.
  
  

How to apply

1. Confirm eligibility: annual income R100 000–R350 000 and a clean credit record.

2. Download the Discovery Bank app or visit discovery.co.za to start the digital application.

3. Please upload your SA ID, proof of address, and three months’ payslips or bank statements.

4. Choose your credit limit and accept the Vitality Money terms.

5. Activate virtual and physical cards instantly upon approval.
   
   

Approval is subject to a standard credit and affordability assessment.

Frequently asked questions

Is the R115 fee all‑inclusive?

Yes, it bundles the account fee, Vitality Money premium, and a single credit facility fee; you only pay extra for transactions outside the free structure.

Do I earn miles on virtual card purchases?

Absolutely. Virtual and physical card spends earn Ðiscovery Miles at the same base rate, with boosted earnings when you shop on the virtual card.

Can I downgrade if my income changes?

Yes. Clients can migrate to a Gold Transaction account or lower bundle tier directly in‑app if their earnings fall below the qualifying range.