Investec Rewards

Deeper partnerships, more rewards
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At Investec, we appreciate your partnership. This is why we reward you the more you do with us.

Get a quick overview of the programme

 
 
 
 

   

    

Discover how our Investec Rewards programme benefits you and your family as an Investec Private Bank Account holder.

Qualifying transactions and balances

Meeting the minimum monthly deposit

Partnership level and score

Redeeming Rewards points

OUR REWARDS

A rewards programme that appreciates you

No membership fee

As an Investec Private Bank or Private Business Account holder, you’re automatically enrolled in the Investec Rewards programme. No monthly membership or joining fee.

Earn unlimited Rewards points that never expire

There’s no limit on the number of Rewards points you can earn. Best of all? Your points never expire.

The more you do, the more you earn

Earn Rewards points on a wide range of qualifying transactions and balances. You earn Rewards points at a higher rate the more you bank, borrow, save, invest and protect with us.

Redeem for what you want

Redeem your Rewards points in whatever way suits you – whether it’s covering your monthly Account fee, getting a shopping voucher or simply banking it as cash. All at one simple redemption ratio of 20 Rewards points for R1.

What would you love to redeem your Rewards points for?

  • Points-to-Cash

    Get flexibility and choice by redeeming your Rewards points for cash to spend on anything you want, whenever you want.

    Monthly Account fees

    Set up an automatic redemption of your Rewards points to pay for your monthly Account fee – one less thing to budget for.

    Unit trusts

    Redeem the Rewards points you’ve earned to buy unit trusts and invest in your future.

    Pay for a holiday

    Save your Rewards points and use them at Travel by Investec towards your annual holiday, flights or car hire.

REDEMPTION CATEGORIES

All the ways you can use your Rewards points

Charitable donations

Use your Rewards points to donate to an Investec Corporate Social Investments (CSI) charity.

Financial

Redeem your Rewards points towards your monthly Investec Private Bank or Private Business Account fee. Or, use them to buy unit trusts through Ninety One.

Lifestyle

Enjoy some retail therapy by redeeming your Rewards points for a voucher to use at one of our shopping centre partners or retail partner stores. Or pamper yourself with a voucher from Spas of Distinction or Camelot Spa.

Points-to-Cash

Enjoy the freedom to spend your Rewards points on whatever you wish by redeeming them for cash deposited directly into your Investec Private Bank or Private Business Account.

Travel

Use your Rewards points to pay for your next holiday by putting them towards the cost of your accommodation, flights or car hire bookings made through Travel by Investec.

  

How the Investec Rewards Programme works

We believe loyalty is worth recognising. And worth rewarding…

That’s why we’ve created different partnership levels based on loyalty – not only income or spend.

This means that the more you create, grow, manage and protect your wealth with Investec, the more we reward you. And, how you redeem your Rewards points is up to you.

EARN

How to earn Rewards points

  • Deeper partnerships, more rewards

    As an Investec client with a Private Bank or Private Business Account, you’re automatically registered for the Investec Rewards programme – no minimum qualifying criteria apply.

    At a minimum, you can expect to earn 1 Rewards point for every R20 of qualifying transactions and 1 Rewards point for every R2 000 of qualifying balances. There’s no limit on the number of Rewards points you can earn and your points never expire.

    You can also earn points at a higher rate and on a wider range of qualifying transactions and balances – so the more you bank, borrow, save, invest and protect, the more Rewards points you’ll earn.

    Your earn rate is determined by your partnership level. There are five levels to the Rewards programme. The higher your partnership level, the higher your earn rate will be.

  • Qualifying transactions and balances

    Rewards points are earned on a wide range of qualifying transactions and balances. Conditions apply – please refer to the Investec Rewards programme rules for more details.

    Investec Visa card

    Investec Visa card purchases (in-store and online)

    Investec Life monthly premiums

    Investec Life monthly premiums paid by debit order from your Account

    Aon Pinion insurance monthly premiums

    Aon Pinion insurance monthly premiums paid by debit order from your Account

    Investec Private Home Loans

    Investec Private Home Loans average monthly capital balances

    Investec Instalment Sales

    Investec Instalment Sales (eg vehicle finance) average monthly capital balances

  • How partnership levels work

    Click on the five partnership levels below to see how many Rewards points you earn at each level.

    Your partnership level is determined by your partnership score. As you increase your partnership score, you can move up a partnership level.

     

    Level 1

    Minimum monthly deposit requirement

    The minimum monthly deposit requirement* must be met to activate the partnership score and to access levels 2 to 5.

    You earn 1 point for every R20 of qualifying transactions and 1 point for every R2 000 of qualifying balances

    Level 2

    Partnership score below 100

    And the minimum monthly deposit requirement* has been met.

    You earn 1 point for every R10 of qualifying transactions and 1 point for every R1 000 of qualifying balances.

    Level 3

    Partnership score 100 to 299

    And the minimum monthly deposit requirement* has been met.

    You earn 1 point for every R7 of qualifying transactions and 1 point for every R700 of qualifying balances.

    Level 4

    Partnership score 300 to 499

    And the minimum monthly deposit requirement* has been met.

    You earn 1 point for every R5 of qualifying transactions and 1 point for every R500 of qualifying balances.

    Level 5

    Partnership score 500 and above

    And the minimum monthly deposit requirement* has been met.

    You earn 1 point for every R4 of qualifying transactions and 1 point for every R400 of qualifying balances.

    *Refer to the Investec Rewards programme rules for the minimum deposit requirement per Account type.

  • How your partnership score is calculated

    Your partnership score is calculated on the number of products and product balances you hold. Adding new products or increasing existing product balances will increase your partnership score. Keep in mind that it’s only calculated when the minimum monthly deposit requirement has been met.
     

    Private Bank Account

    Bank

    100

     

    Contribution to score

    Maximum contribution to score

    Guarantee an Investec Private Bank Account or Private Business Account (including Trusts); maximum benefit of two accounts

    25

    50

    Guarantee an Investec Youth Account; maximum benefit of two accounts

    25

    50

    Borrow

    400

     

    Contribution to score

    Maximum contribution to score

    An Investec Private Home Loan (including building bonds)*; maximum benefit of two accounts

    150

    300

    An Investec Instalment Sale (eg vehicle finance)*; maximum benefit of two accounts

    50

    100

    Save

    150

    Total balance across all Investec Cash Investments accounts

    Contribution to score

    Maximum contribution to score

    R100 000 to R249 999

    50

     

    150

     

    R250 000 to R499 999

    100

    R500 000 +

    150

    Invest

    150

    Total balance across all My Investments accounts

    Contribution to score

    Maximum contribution to score

    R100 000 to R249 999

    50

    150

    R250 000 to R499 999

    100

    R500 000 +

    150

    Protect

    50

     

    Contribution to score

    Maximum contribution to score

    An Investec Life policy

    25

    25

    An Aon Pinion insurance policy

    25

    25

    Maximum partnership score

    850

    Private Business Account

    Borrow

    400

     

    Contribution to score

    Maximum contribution to score

    An Investec Private Home Loan (including building bonds)*, maximum benefit of two accounts

    150

    300

    An Investec Instalment Sale (eg vehicle finance)*, maximum benefit of two accounts

    50

    100

    Save

    150

    Total balance across all Investec Cash Investments accounts

    Contribution to score

    Maximum contribution to score

    R100 000 to R249 999

    50

     

    150

     

     

    R250 000 to R499 999

    100

    R500 000 +

    150

    Protect

    50

     

    Contribution to score

    Maximum contribution to score

    An Investec Life policy*

    25

    25

    An Aon Pinion insurance policy*

    25

    25

    Maximum partnership score

    600

     

    *Borrow and Protect products contribute towards the partnership score calculation of the Investec Private Bank or Private Business Account from which the monthly debit orders are paid. Refer to the Investec Rewards programme rules for more information.

  • Earn additional Rewards points

    Travel by Investec

    Earn an additional 0.5 Rewards points when you book travel, accommodation, or flights through Travel by Investec and pay using your Investec Visa card. 

    Select retailers

    Earn 1 additional Rewards point when you spend at any of our select retail partners, whether in-store or online using your Investec Visa card. 

    Bidvest McCarthy vehicle purchases

    Earn 1 Rewards point for every R5 on a new, demo, or pre-owned vehicle purchased through Bidvest McCarthy, financed through Investec, or paid for by EFT.

What are your Rewards points worth?

The redemption ratio is 20 Rewards points for R1 across all Investec Rewards redemption options.

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HOW TO REEDEEM YOUR REWARDS POINTS

Call us

Need help with redeeming your points to your chosen redemption partner? Call our 24/7 global Client Support Centre on 0860 110 161 or +27 11 286 9663.

Investec Online

Redeem your Rewards points through Investec Online:

  • Log into your Investec Online profile
  • Select the arrow on the Rewards banner
  • Select ‘Redeem points’ on the ‘Redeem Rewards points’ card
  • Select the Private Bank Account you want to redeem your Rewards points from
  • Select the Rewards category
  • Choose your Rewards partner
  • Complete all the redemption details.

Investec App

Redeem your Rewards points through the Investec App:

  • Log into the Investec App
  • Select ‘Transact’ at the bottom of the dashboard
  • Select ‘Redeem Rewards’
  • Select the Rewards category
  • Choose your Rewards partner
  • Complete all the redemption details
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MORE INFORMATION

Download Investec Rewards programme rules PDF 543.82 KB
Download Investec Rewards Terms and Conditions PDF 343.58 KB
Download Investec Rewards frequently asked questions PDF 552.1 KB

BECOME A CLIENT

Our Private Bank Account offering

Our Investec Rewards programme is a complimentary programme linked to your Private Bank or Private Business Account. Find out more about our offering and whether you qualify.

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