s307kingsley
New member
EDIT/UPDATE (6 days later - 3rd of May 2024): I updated the calculation table below.
What's best seems to be down to being able to earn FNB eBucks when paying for your Municipality and Electricity via the Clicks App and Website. If it does still give you 15% back in eBucks, then the FNB Credit Card wins over Discovery.
I know there are many posts on specific rewards, how they all got worse over time and how one has to play by their rules to optimise. We also all have stories where this system did not work for us and it sucks. Let's not talk about that here.
Let's check the math instead. Searching the forums and gooling only gets me this far. If you used their rewards, and you checked the statements to see it all play out and spend the rewards, please help me get my math right ...
Question 1:
A Gold-level Vitality & Discovery Credit Card holder spends R1,000 on healthy food at Woolies. They get 50% back in rewards. Does that mean...
A) Vitality points and 500 Discovery Miles; or
B) Vitality points 5,000 Discovery Miles?
Question 2:
A Level 5 FNB Credit Card holder buys 160L of Diesel at Engin per month, and is entitled rewards of R4 per Liter. Does that mean they get ...
A) 4x 160 = R640; or
B) 640 eBucks?
Question 3: When an owner of a Gold Woolies Credit Card spends R1,000 at Woolies. How does 2% back actually work?
A) R20 back in money to spend anywhere; or
B) R20 worth of money to spend at Woolies, and only as a voucher after 3 months?
If you find any flaws in my logic, please let me know.
https://preview.redd.it/1imp4jkw66y...bp&s=794af07555aafe25650870a0b7c237f7d92d7bb4
What's best seems to be down to being able to earn FNB eBucks when paying for your Municipality and Electricity via the Clicks App and Website. If it does still give you 15% back in eBucks, then the FNB Credit Card wins over Discovery.
Can any FNB user confirm it still works via the app? (It does not work in store. I tried.)
original post:
I know there are many posts on specific rewards, how they all got worse over time and how one has to play by their rules to optimise. We also all have stories where this system did not work for us and it sucks. Let's not talk about that here.
Let's check the math instead. Searching the forums and gooling only gets me this far. If you used their rewards, and you checked the statements to see it all play out and spend the rewards, please help me get my math right ...
Question 1:
A Gold-level Vitality & Discovery Credit Card holder spends R1,000 on healthy food at Woolies. They get 50% back in rewards. Does that mean...
A) Vitality points and 500 Discovery Miles; or
B) Vitality points 5,000 Discovery Miles?
Question 2:
A Level 5 FNB Credit Card holder buys 160L of Diesel at Engin per month, and is entitled rewards of R4 per Liter. Does that mean they get ...
A) 4x 160 = R640; or
B) 640 eBucks?
Question 3: When an owner of a Gold Woolies Credit Card spends R1,000 at Woolies. How does 2% back actually work?
A) R20 back in money to spend anywhere; or
B) R20 worth of money to spend at Woolies, and only as a voucher after 3 months?
If you find any flaws in my logic, please let me know.
https://preview.redd.it/1imp4jkw66y...bp&s=794af07555aafe25650870a0b7c237f7d92d7bb4