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@atown Credit card cash back options If you can be disciplined about your credit spending, i.e. use your credit card for all your monthly expenses but pay it back in full at the end of each month, you can take advantage of a couple of credit card cash back options. If you can't guarantee that...

Also, assuming you hit your weekly Vitality and bank spend goals, you will get a minimum of R30 back per week (i.e. >= R120 per month) in gameboard rewards (again Discovery miles which you can just convert to cash weekly). There are lots of moving parts, but it adds up.

If you use a virtual card, you also get 0.55% back via Discovery miles on all of your transactions using that card (as soon as the transaction clears "pending"), independent of the other discounts (e.g. fuel, healthy food).

@s307kingsley Let's assume I only manage to achieve the base discount of 25%. The 25% discount does not happen at the checkout at PnP on my first shop. I still pay R1000 for R1000 worth of shopping. Yes, you pay the full amount at checkout. Later that day, magic happens 2500 Discovery Miles...