The Discovery home loan is the latest product from the financial giant, offering an interest-rate discount to qualifying clients. But is it worth switching? Discovery Bank recently launched its home loan offering, which is a joint venture with SA...
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Our favourite reward programmes
Clicks dominates, but for lower-income earners, Shoprite and Capitec are the favourite reward programmes. Clicks ClubCard is the most used loyalty programme in South Africa, according to the 2022 Truth & BrandMapp Loyalty Whitepaper. The...
Reward programmes: get paid to spend
Reward programmes are becoming an integral part of our day-to-day financial management. It is no longer simply about getting a discount on your next purchase; these programmes have evolved so that you can now earn really meaningful rewards, which...
Fuel price hikes: how you can save
With recent fuel price hikes delivering a shock to all of our budgets, every little bit of savings counts. It now costs motorists over R1 000 to fill up a 50-litre tank of fuel. At a pump price of R21.60 per litre, for a reasonably fuel-efficient...
Video: Understanding loyalty programmes
75% of South Africans who earn at least R10 000 a month belong to one or more of the 100-odd loyalty programmes in South Africa. While loyalty programmes are popular, are they really working for you or just cluttering up your wallet with another...
Are you getting a good deal with Discovery Miles?
Last month, Discovery announced the introduction of a new e-currency in the form of Discovery Miles, for its ‘universe’ of banking, health and insurance products. Discovery claims that the new rewards system will give consumers more spending power...
Video: No-pain saving
Most of us associate the word “saving” with “sacrifice” or “doing without”. Yet there are many ways to boost our savings without any pain at all. Have you ever wondered how much money you would collect if you saved your coins? Keep a jar in your...
Can you get to eBucks Level 5 without debt?
FNB has updated their eBucks reward programme and depending on your type of account, it is worth finding out how these changes affect you or how to change your spending patterns in order to earn more eBucks. To get more “share of wallet”, Gold...
Buy-aid schemes: an alternative to bank rewards programmes
I have to confess that the concept of a buy-aid scheme is new to me, yet it is an industry with a turnover of well over R1 billion and annually pays out in the region of R130 million in bonuses to members. Cape Consumers, which recently re-branded...
Using rewards to pay for medicine
This year our family is working our rewards programmes to cover the costs of medication. After realising we would pay R1 500 less per month on our premiums if we selected a medical scheme option that did not cover my son’s R900 per month chronic...
Previous Articles
How to win the lotto
There are ways to score without playing the odds. Our family has a game where we write down what we would do with our money if we won the lotto. This is not just a fruitless exercise of “what if” because what it does is show us what is important to us –what our dreams...
How to score using your loyalty programme’s rewards
Too much month at the end of your money? It might be time to start really paying attention to your loyalty programmes so that you can get the best value for your money. Recently FNB announced that eBucks members had earned R5 billion in eBucks since the inception of...
How are you going to fund your festive-season shopping?
Survey gives insights into festive-season shopping habits. South Africans are using rewards-programme points and discounts to stretch their budgets, with 45 percent of respondents to the Multiply Festive Season Survey saying that they work their rewards programmes to...
Why companies pay you to be healthy
Many medical schemes and life insurance companies offer wellness incentive programmes to their clients. Considering the monthly membership fee is usually less than R200 a month per family, it is insignificant compared to the value of the discounts offered. It is clear...
Loyalty points in the afterlife
“What happens to your loyalty points when you die?” asks a reader Maya replies: This is an excellent question especially if you are someone who has built up significant loyalty rewards through your bank account or credit card as these rewards could be used by your...