Learn How to Apply for the Discovery Bank Black Suite Credit Card

What to Know Before Applying?

The Discovery Bank Black Suite is a bank account that offers a credit card with multiple advantages for accumulating points and getting discounts!

Discovery Bank offers multiple financial services for the South African market, including life and asset insurance. In terms of bank accounts, it has different options.

The Black Suite is a bank account that offers a highly competent premium credit card for daily management.

Through the app, you can track expenses, manage your PIN and limits, and check rewards. The comprehensive banking benefits include easy credit access, special loan rates, and simplified payments for certain purchases.

The Black Suite features intelligent fee management, determined by Vitality Money status.

To receive the card, the fee varies from R150 to R199, depending on the credit limit, while the monthly fee is R534. The card’s reward system is provided in Discovery Miles, and it includes health benefits such as:

• Up to 75% back at Woolies with HealthyFood
• Up to 50% in personal care at stores like Clicks or Dis-CHEM

You earn 10 Discovery Miles for every R1 reward you get back, accumulating extra benefits with Vitality Active Rewards games.

To use your Discovery Miles, you can get up to 15% at over 40 stores and services. Additionally, you can exchange them for flights or cash.

Who can Apply?

First, to open your bank account, you must be a registered South African citizen and 18 years old or older. For foreigners, a visa with a valid passport will be required.

The main criterion for card access is income, and you need to earn between R850,000 and R2.5 million per year.

Before applying for the card, you can gather documents such as proof of income, an ID copy, pay stubs, and proof of address.

See How to Apply for the Discovery Bank Black Suite Credit Card

To access the card, you need a Discovery account.

On the official card page, you can access the option to log in from the top menu. If you are not a South African citizen, you will need to create a new account, providing your SA identification number or passport number as the first piece of information.

Next, you will need to provide other important details for any bank account, such as your full name, address, and country of birth.

In terms of income, you will need to provide amounts and the source. It is worth noting that it doesn’t have to be exactly a salary, as you can have other sources such as earnings or benefits.

After opening your account with Discovery Bank, you can establish your credit criteria to apply for the card.

Therefore, unlike other credit card operators, you will not apply solely for the card but for the Black Suite, which brings all the benefits of Discovery Bank. In case of doubts or issues, you can contact the bank’s customer support.

More Details

For travel, the Black Suite card offers up to 75% off on six domestic flight purchases and up to 50% off on two international purchases, while also providing basic travel insurance and collision coverage.

Discounts extend to 25% on accommodations and car rentals with Europcar and Southern Sun, as well as discounts on experiences like Royal Caribbean and Contiki.

Vitality Money is an exclusive service that manages your financial health, including steps to monitor your score and analyze possibilities.

The bank’s FOREX accounts offer pounds, euros, and dollars 24/7, with real-time rates and fast transactions.

Discovery cards have all the technology for making payments inside and outside the country, including through major digital wallets.

Therefore, the card is very comprehensive in terms of benefits for efficient daily management and premium resources.

Want to learn another option?

The Absa Bank Flexi Core offers more favorable conditions, yet with good cost-effectiveness for expenses both domestically and internationally.

The card features a limit of up to R90, Visa Benefits, and Absa Rewards, and you can see how to apply.

Written by

Gabriel Gonçalves