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Discovery Miles Terms and conditions

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					     Discovery Miles
Terms and conditions
    What are Discovery Miles?                                        Earning Discovery Miles
    Discovery Miles are the currency that you earn for all           You earn Discovery Miles for purchases made using your
    qualifying transactions on your DiscoveryCard.                   DiscoveryCard, locally, internationally and online with the
                                                                     exceptions listed under “Transactions that do not qualify
    Only DiscoveryCard holders can earn Discovery Miles              for Discovery Miles”
    You must have a DiscoveryCard to earn Discovery Miles.
    As a DiscoveryCard holder you do not automatically get           Discovery Miles earning rates
    Discovery Miles. You must start the benefit by opting in         The rate at which you earn Discovery Miles depends on the
    for Discovery Miles and then paying the yearly fee which         Miles option you choose:
    is an annual fee that we charge on your DiscoveryCard.
                                                                     DiscoveryCard holders with Discovery Miles
    Paying for Discovery Miles
                                                                     Cardholders on the Discovery Miles option can earn Miles
    You pay one yearly fee for the Discovery Miles benefit           on a maximum of R100 000 in each store per billing cycle
    for each DiscoveryCard account you hold, regardless of           at a rate of R12 for each Discovery Mile.
    how many secondary (tenant) cardholders there are on
    the account.                                                     DiscoveryCard holders with Fast Miles
    We deduct the yearly fee from your DiscoveryCard account         Cardholders on the Fast Miles option can earn Miles at
    on the same date each year.                                      the rate of R6 for one Fast Mile on a maximum of R100
                                                                     000 per billing cycle. Once this limit is reached these
    You need to pay the annual fee to earn and use
                                                                     cardholders will earn Discovery Miles at the rate of R12 for
    Discovery Miles.
                                                                     one Discovery Mile on a maximum of R100 000 in each
    Discovery Purple cardholders get their yearly fee for            store per billing cycle.
    Discovery Miles waived.
                                                                     If you get cash back on your DiscoveryCard
    Fast Miles (only for DiscoveryPlatinum and Purple                If you earn cash back on your DiscoveryCard spend in a
    cardholders)                                                     certain billing cycle, this will affect how you earn Discovery
    For a higher yearly fee, DiscoveryPlatinum and Purple            Miles. We will deduct your cash back from your qualifying
    cardholders can get Fast Miles. Fast Miles lets you increase     spend in that billing cycle and calculate your Discovery
    your earning rate to one Mile for every R6 spent on your         Miles based on the remaining qualifying spend.
    DiscoveryCard.
                                                                     Transactions that do not qualify for Discovery Miles
    This increase in the earning rate will be applied to the first   You do not earn Miles for the following transactions:
    R100 000 in any billing period. After that, the Discovery
                                                                     •   Cash withdrawals using the DiscoveryCard;
    Miles earning rate of one Discovery Mile for every R12
                                                                     •   Traveller’s cheque purchases using the DiscoveryCard;
    will apply. Platinum and Purple cardholders may upgrade
                                                                     •   Electronic fund transfers;
    to Fast Miles at any point in the year, and the Fast Miles
    fee will be pro-rated less the amount already paid for the       •   All budget facility transactions;
    Discovery Miles benefit.                                         •   Gambling transactions made with the card;
                                                                     •   Annual card and Discovery Miles fees.
    Downgrades from Fast Miles to Discovery Miles may be
    requested at any time but will only be effective from the        Benefits of Discovery Miles
    end of the billing year.
                                                                     •   You can use your Miles to increase your discount (cash
    If the cardholder downgrades to another DiscoveryCard                backs) on Contiki, Royal Caribbean International or
    and they choose to retain Discovery Miles, they will                 World Leisure Holiday bookings.
    be charged a fee. Once the fast Miles fee has been               •   You can pay using your Discovery Miles at the
    charged and the cardholders decides to downgrade to                  VitalityMall at www.discovery.co.za
    Discovery Miles or to terminate fast Miles, they will not be     •   You can increase savings by paying for travel bookings
    refunded.                                                            at kulula.com and Southern Sun.
    Except for the points given in this section, all the rules in    •   You can convert your Discovery Miles to SAA Voyager
    this document also apply to Fast Miles.                              Miles at a rate of 1 Discovery Mile to 1 SAA Voyager Mile




1                                                                                                        Discovery Miles terms and conditions
    .• You can convert your Discovery Miles to BA Miles at a                DiscoveryCard’s International Travel Insurance is managed
       rate of 1 Discovery Mile to 1 BA Mile                                by Oojah according to Oojah’s terms and conditions.
    •     You get free international travel insurance when                  International travel insurance covers non-medical
          you pay for your international travel using your                  claims such as baggage loss or delay, personal accident,
          DiscoveryCard.                                                    cancellation, travel delays, and personal liability. Please
    International Travel Insurance                                          refer to the Discovery website for the latest information.
                                                                            The cover might change.
    To qualify for international travel insurance, you must
    use your DiscoveryCard to pay for your international
    travel tickets. All travellers whose tickets were paid for
    with a DiscoveryCard, where the account holder has an
    active Discovery Miles benefit, will be covered under the
    DiscoveryCard international travel insurance policy.


    World Leisure Holidays, Royal Caribbean International and Contiki
    You can use your Miles to increase your World Leisure Holidays, Royal Caribbean International or Contiki discounts. A
    minimum of 5 000 Miles can be converted for a maximum value equal to your total booking cost less normal discounts
    awarded already. You will get 10 cents for each Mile redeemed.

        Who can use this                     Only Vitality members with a Visa DiscoveryCard

        How much a Discovery Mile is worth   10 cents

        Limits you can spend                 You must spend at least 5 000 Miles for each booking you make using your DiscoveryCard.
                                             The maximum value of Discovery Miles you can use is the total value of the booking minus any
                                             amount you receive as a DiscoveryCard cash back. This applies to the total cost of the booking
                                             for all the people on your Vitality policy.
                                             You must use your DiscoveryCard to pay for the travel bookings.


    Southern Sun (through Vitality Travel)
    You can use your Discovery Miles to pay for Vitality Travel bookings with Southern Sun

        Who can use this                     Only Vitality members

                                             For Southern Sun bookings, when paying with any credit card or with Discovery Miles you need
                                             to book at least two days before your intended stay.

        How much a Discovery Mile is worth   10 cents

        Keep in mind                         An administration fee of R85 or the equivalent in Discovery Miles will be levied on any change or
                                             cancellation made on a booking.


    kulula.com (through Vitality Travel)
    You can use your Discovery Miles to pay for Vitality Travel bookings with kulula.com

        Who can use this                     Only Vitality members

                                             For kulula.com bookings, you can use your Miles to book for anyone on your Vitality policy.

        How much a Discovery Mile is worth   10 cents

        Keep in mind                         You can use your Discovery Miles to pay the reduced kulula.com rate.




2                                                                                                                   Discovery Miles terms and conditions
    VitalityMall
    You can use your Discovery Miles to shop on VitalityMall

     Who can use this                     Only Vitality members
                                          Only you as the cardholder and the approved additional cardholders can use your Miles on
                                          VitalityMall. You can, however, block the additional cardholders from using your Miles by
                                          logging onto www.discovery.co.za.

     How much a Discovery Mile is worth   10 cents

     Keep in mind                         You must follow the terms of use on VitalityMall (managed by Digital Planet).

    SAA Voyager Miles (through South African Airways)
    You can convert your Discovery Miles into SAA Voyager Miles

     Who can use this                     Only cardholders who are SAA Voyager members

     How much a Discovery Mile is worth   One Voyager Mile

     Keep in mind                         You can convert your Discovery Miles:

                                          •   When you want to. This way, you must convert a minimum of 2 000 Miles each time you convert.
                                          •   Automatically each month: This way, you can ask us to automatically convert a minimum of 1 000
                                              Miles each month. (You choose the exact amount as long as it is at least 1 000 Miles a month.) If
                                              you do not reach the amount for conversion you have given to us, the shortfall rolls over to the next
                                              month.


    BA Miles
    You can convert your Discovery Miles into BA Miles

     Who can use this                     Only cardholders who have an active BA Executive Club membership number

     How much a Discovery Mile is worth   One BA Mile

     Keep in mind                         You can convert your Discovery Miles:

                                          •   When you want to. This way, you must convert a minimum of 5 000 Miles each time you convert.
                                          •   Automatically each month: This way, you can ask us to automatically convert a minimum of 1 000
                                              Miles each month. (You choose the exact amount as long as it is at least 1 000 Miles a month.) If
                                              you do not reach the amount for conversion you have given to us, the shortfall rolls over to the next
                                              Month.
                                          You can only convert Discovery Miles to BA Miles for your own use. It may take 72 hours to process the
                                          conversion.




3                                                                                                                     Discovery Miles terms and conditions
    Expiry of Discovery Miles
    Discovery Miles expire after five years from the date that you earned the Miles. If you don’t use your Miles before they expire
    you will lose them.

    Closing of your DiscoveryCard account
    Please note that you automatically forfeit your Discovery Miles if you close your DiscoveryCard account.

    Ending the benefit
    Cancellation of the Miles benefit may be requested at any time but will only be effective from the end of the billing year.

    Ownership of and changes to Discovery Miles
    Discovery Miles are issued by and remain the property of Vitality HealthStyle (Pty) Limited. We may:

    •   decline, issue or withdraw Discovery Miles at any time.
    •   change these terms and conditions and how Discovery Miles operates at any time.
    •   change when you can and cannot earn points.

    We will give you notice before we do this

    DiscoveryCard will notify cardholders with an activated Discovery Miles benefit at least 20 business days in advance if certain
    services will no longer be available for purchases with Miles.

    Transferring Discovery Miles
    You can transfer your Miles to any other cardholder on your Vitality Policy by calling 0860 11 2273.

    Miles may be refundable depending on the rules of certain benefits. When it is not possible to refund Miles, we might refund
    you in cash instead.

    If you have any questions

    If you have any questions, or want to start using Discovery Miles, call 0860 11 CARD (0860 11 2273) or visit
    www.discovery.co.za.




    DiscoveryCard is operated by Vitality HealthStyle (Pty) Ltd. Registration number: 1999/07736/07, trading as Discovery Vitality.
    An authorised financial services provider under the banking license of FirstRand Bank Limited. An authorised financial services
    and registered credit provider. Company Reg No 1929/001225/06, NCA Reg No NCRCP20. Terms and conditions apply.


4                                                                                                             Discovery Miles terms and conditions
DiscoveryCard
155 West Street
Sandton
2146

0860 99 88 77 or 083 123 88 77

www.discovery.co.za
                                 GM_8480DC_26/11/10

				
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