Investec Rewards

• Log onto Investec Online
• Select ‘Menu' on the top right
  
• Under 'My Banking', select 'Rewards'
  
• View your Rewards points balance at the top of the page
  
• 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
  
• Depending on the redemption partner, you will either receive an SMS or relevant offer
  

• Log onto the Investec App
• Select ‘Menu’ on the top left corner
  
• Select ‘Rewards’ 
  
• View your Rewards points balance at the top of the page 
  
• 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
  
• Depending on the redemption partner, you will either receive an SMS or relevant offer
  

Connect with our global Client Support Centre on 0860 110 161 or +27 286 9663 and a banker will gladly assist you.

1.1 Investec shall be entitled to determine eligibility for the Rewards Programme. To be eligible for the Rewards Programme, each account must be registered separately.
1.2 Only an account holder whose account is open and in good standing (and not in arrears or in excess of any applicable credit limit or otherwise in breach of the agreement) shall be entitled to participate in the Rewards Programme.
1.3 Any extra cards issued in respect of an account will be included in the Rewards Programme and all points earned for eligible transactions effected on the extra card/s accrue to the account holder and shall be automatically deemed to have been earned by the account holder and allocated accordingly.
1.4 Investec may, in its sole discretion without affecting any rights it may have, cancel, revoke or suspend the participation in the Rewards Programme if the account is closed, cancelled, revoked or suspended by Investec or the account holder for any reason whatsoever, or if the account is in arrears or if the account holder is in breach of the provisions of the agreement.
1.5  Investec reserves the right to cancel the Rewards Programme in its entirety upon 3 months’ notice to the account holder. Investec shall give the account holder notification of such cancellation by any means of communication, including mail, statement, facsimile, e-communication or through any other medium that Investec may deem fit. All points earned by the account holder up until the date of cancellation will be redeemable for a period of 3 years thereafter. Alternatively, at Investec's election, the cash value of such points may be paid to the account holder.
1.6 Investec shall not act nor shall it be deemed to be acting as the account holder’s agent nor as the agent of any partner.
1.7 Copyright in all materials made available through the Rewards Programme is owned either by Investec and/or the partners and protected by both national and international intellectual property laws. Accordingly, any unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other circulation or exploitation of any such material will constitute an infringement of that copyright. The trademarks, logos and service marks displayed relating to the Rewards Programme are registered and unregistered trademarks of Investec and/or the partners. Nothing contained in the Rewards Programme should be construed as granting any license or right to use any trademark, logos or service marks without the written permission of Investec and/or the partners.
1.8 Otherwise than as required by applicable law, Investec shall not be responsible for issuing any tax or other certification, clarification or directive to the account holder or the partner or any third party or be responsible for any tax liability or other Government charge arising from the Rewards Programme. Should the account holder donate points to any partner which is a charitable or other institution, the account holder acknowledges that taxable benefit will not necessarily be derived in making such donation.
1.9 If there is any conflict between these terms and conditions and any other terms, rules, regulations or procedures applicable to the Rewards Programme, these terms and conditions shall prevail.
1.10 The account holder waives any rights against Investec arising directly or indirectly from any loss or damage of whatsoever nature, which may be suffered as a result of the Rewards Programme, the redemption of points, any reward or voucher or matter incidental thereto or the acts or omissions of any partner and agrees that Investec is not responsible for any death or injury or direct or consequential loss or damage (including loss of profits or data) arising from the Rewards Programme.
1.11 The account holder accepts that Investec may in its sole and absolute discretion from time to time amend, replace or substitute the Rewards Programme, or suspend any of the partners or any aspect thereof or the terms and conditions relating thereto despite such action affecting points already accumulated. Investec shall give notification of such amendment by any means of communication, including mail, statement, facsimile, e-communication or through any other medium that Investec may deem fit.
1.12 The cardholder agrees and consents thereto that by participating in the Rewards Programme, Investec or its partners in the Rewards Programme may in its sole discretion send marketing and promotional information relating to the Rewards Programme to the cardholder and such information shall not be considered unsolicited. The cardholder has the right to request that Investec not send any such information.
1.13 Any communication contained on the website will be deemed to be sufficient communication or notice relating to the Rewards Programme and shall be binding on the cardholder.

2.1 Points may only be earned and accumulated with effect from the date the accountholder registers for the Rewards Programme in respect of a particular account ("effective date"). Investec will not be obliged to award points for eligible transactions effected prior to the effective date.
2.2 The account holder will earn point/s for every eligible transaction, at a rate determined by Investec and notified to the account holder on the website, subject to 2.3 below.
2.3 Investec reserves the right at its election to refuse to record or honour and to cancel or reverse any points earned or accumulated if:
2.3.1 The points were awarded in error and/or accumulated as a result of fraud or pursuant to any illegal, ineligible or unauthorized transaction;
2.3.2 An eligible transaction has not been fully settled or if an eligible transaction has been reversed or refunded;
2.3.3 The account is not in good standing as contemplated in 1.2 above;
2.3.4 Participation in the Rewards Programme is cancelled, revoked or suspended in terms of 1.4 above.
2.4 If points are cancelled, reversed or for any reason become void, the account holder shall not be compensated therefor and such points shall not be redeemed.
2.5 Points reflected on the account holder statement shall be valid for a period of 3 years from the date of such statement, subject to 1.5 above.
2.6 Points earned will be reflected in the account holder’s statement within 3 months from the date upon which any eligible transaction is effected. In the event that points are not reflected within this period, the account holder is obliged to contact Investec to request that points are credited. If Investec receives no written objection concerning the allocation of points within 90 days of the date of a statement, any eligible transaction and allocation of points reflected in such statement shall be deemed to have been approved and ratified by the account holder.

3.1 Points earned and accumulated in respect of eligible transactions may be redeemed for rewards, provided the account is in good standing as contemplated in 1.2 above.
3.2 The account holder shall not be entitled to countermand, cancel or amend any redemption request once received and/or effected by Investec (whichever event is the earlier), without Investec’s prior written consent and assistance.
3.3 The account holder shall not be entitled to reverse, exchange, barter, sell or claim any refund, reward or voucher, nor shall the account holder be entitled to convert any reward or voucher back into points for any reason whatsoever, regardless of whether the reward and/or voucher has not been used or has expired.
3.4 The account holder shall bear all risk and liability for any reward or voucher received in terms of the Rewards Programme and to the extent that there is any dispute regarding any reward or voucher, such dispute must be settled between the relevant partner and the account holder directly.
3.5 Rewards are subject to availability and in accordance with such restrictions, limitations, rules, procedures, charges or exclusions as may be applicable in respect thereof from time to time. All reservations and/or other arrangements relating to the reward must be confirmed directly with the partner and the account holder shall be obliged to comply with the partner’s reward terms and conditions with effect from the redemption date. The account holder shall be solely responsible to ensure that he or she is familiar with the reward terms and conditions of all partners and for any cost, charge or expense incurred pursuant to the redemption of points in terms of the Rewards Programme.
3.6 The number of points required for a reward may be varied from time to time by Investec in its sole discretion by reasonable prior notice.
3.7 The account holder accepts that Investec will not be obliged to redeem any points that have been earned or accumulated in respect of any eligible transaction, if the redemption request is made after revocation, termination, closure, suspension or cancellation in terms of clause 16.

4.1 The account holder may transfer points at Investec's discretion to such third parties as Investec may determine from time to time.

Subject to the provisions of any applicable law, Investec shall be entitled to charge and recover a fee to participate in the Rewards Programme. In such event, the account holder hereby authorises Investec, at its discretion, to debit the account with the fee (including any value-added tax) applicable from time to time. Investec shall, after giving the account holder reasonable notice by letter, statement, publication on the website and/or advertisement in the media (except where legislation requires an immediate change in the fee), be entitled to vary the fee from time to time. If any such fee variation is published on the website it shall be binding from the date of such publication. The account holder may be charged for individual services, on an ad hoc basis per service. Investec shall also be entitled to charge and recover an administration fee in relation to a particular service provided within the Rewards Programme. Such administration fee will be communicated to the account holder prior to the service being provided. In such event, Investec is hereby authorised, at its discretion, to debit the account with the fee (including any value-added tax) applicable from time to time.

What is Investec Rewards?
As an Investec client, you have access to our specialist local and international Private Banking proposition, which includes our complimentary rewards programme – Investec Rewards.
On your behalf, we have negotiated great savings and special offers at a variety of travel, shopping, financial and lifestyle partners. All you have to do is use your Investec Visa card, in-store or online, and you will earn Rewards points. In appreciation of your ongoing support, you can enjoy all the Investec Rewards benefits and redeem your Rewards points at any of our exclusive partners.
It’s simple, yet sophisticated and out of the ordinary… It’s all about you.
Who can participate in Investec Rewards?
As an Investec client with an individual account or Business Account, you are registered automatically for Investec Rewards - our complimentary rewards programme (no minimum qualifying criteria apply).
The expenditure on all extra cards issued against your Private Bank Account or Private Business Account also qualifies for Rewards points.
To participate in Investec Rewards, your account must be in good standing (and not in arrears or in excess of any applicable credit limit or otherwise in breach of the terms and conditions applicable to Investec Rewards).
Is there a monthly cost?
Investec Rewards is a complimentary rewards programme (no minimum qualifying criteria apply). There are no hidden fees.
The use of Investec Rewards is optional and there is no cost for all related services, such as the online redemption of Rewards points.
Can I close my Investec Rewards account, but not my Investec Private Bank Account?
Yes. Please contact the Investec Global Client Support Centre on +27 11 286 9663 or 0860 110 161.
What does it mean if my Investec Rewards account is suspended?
Your Investec Rewards account will be suspended if your Investec Private Bank Account or your Investec Private Business Account is not in good standing (eg in arrears) at the time of your monthly statement run.
While in arrears, your Rewards points balance will not be available for redemption and you will not earn Rewards points on your relevant expenditure.
How do I earn Rewards points?
You earn Rewards points when you use your Investec Visa card online or in-store.
You will earn:

• One Rewards point for every R5 you spend on your Investec Visa card, online and in-store
• One Rewards point for every R5 you spend on a vehicle sourced through McCarthy Call-a-Car and financed through Investec Private Bank (up to 200 000 points) or paid by EFT from a Private Bank Account
  
• 1.5 Rewards points for every R5 you spend on your Investec Visa card at Travel by Investec (online or with a travel consultant)
  
• Two Rewards points for every R5 you spend on your Investec Visa card at selected retail stores
  

Do I earn Rewards points for ATM withdrawals?
You do not earn Rewards points for ATM withdrawals.
Is there a limit on the number of Rewards points I can earn?
There is no limit on the number of Rewards points you can earn per billing cycle.
Does expenditure on extra cards issued against my Investec Private Bank Account and my Investec Private Business Account qualify for Rewards points?
Yes. These Rewards points will accrue to you as you are the account holder or the extra account holder, whichever is applicable.
Does the expenditure on my Investec UK Private bank account qualify for Rewards points?
No. The expenditure on your Investec UK Private bank account does not qualify for Rewards points.
When do I start earning Rewards points?
You will earn Rewards points on relevant expenditure from the first statement run on your Investec Private Bank Account or Investec Private Business Account.
If I make a purchase today, when will these Rewards points be awarded to me?
Rewards points will be awarded to you in the same month that the purchase appears on your monthly Investec Private Bank Account or Investec Private Business Account statement.
Where can I see how many Rewards points I have earned?
You may view the Rewards points that you have earned on your monthly Investec Private Bank Account statement. You can also see your Rewards points balance by logging into Investec Online Banking.
Are there cases where I can lose my Rewards points?
Your Rewards points will be reversed if:

• The Rewards points were awarded in error and/or accumulated as a result of fraud or any illegal, ineligible or unauthorised transaction
• An eligible transaction is not fully settled or if an eligible transaction is reversed or refunded
  
• Your Investec Private Bank Account or Investec Private Business Account is not in good standing (i.e. in arrears or in excess of any applicable credit limit or otherwise in breach of Investec Rewards terms and conditions)
  
• We cancel, revoke or suspend your participation in Investec Rewards
  

Do my Rewards points expire?
Yes, Rewards points are valid for three calendar years from the date it’s earned. For example, Rewards points you earn on 14 March 2016 will be valid until 14 March 2019.
How do I redeem Rewards points?
You can redeem your Rewards points in two ways.
1. Visit Investec Online Banking
To redeem your Rewards points, follow these easy steps:

• Log onto Investec Online Banking
• Select ‘Accounts’
  
• Select the Private Bank Account you want to redeem your Rewards points from
  
• Select ‘Account overview’
  
• Select ‘Rewards’
• Select ‘Redeem points’
  
• Choose the Private Bank Account you want to redeem from
  
• Choose your partner
  
• Depending on the redemption partner, you will either receive an SMS or relevant redemption offer detail
  

2. Call us
Call the Investec Global Client Support Centre on 0860 110 161 or +27 286 9663 and a banker will gladly assist you.
Quick overview of the redemption ratios
Travel

• Redeem 5 000 Rewards points for a R250 travel redemption rebate (Travel by Investec)
• 2 200 Rewards points for 1 000 SAA Voyager Miles
  
• 2 000 Rewards points for 1 000 British Airways Avios (You may only redeem your Rewards points for a minimum of 5 000 Avios initially and additional denominations of 1 000 Avios thereafter)

Shopping
Retailers

• For every 7 500 Rewards points you redeem towards one of our retail partners, you will receive a voucher for R250 by SMS within 48 hours

Shopping centres

• For every 7 500 Rewards points you redeem towards one of our shopping centre partners, you will receive a R250 voucher to spend at any store in your favourite shopping centre

Lifestyle

• For every 7 500 Rewards points you redeem, you will receive a voucher for R250 to use at a spa partner

• 10 000 Rewards points for R500 of onshore unit trusts from Investec Asset Management (product minimum applies)
  
• For every 7 500 Rewards points you redeem, R250 will be donated to your selected charity
  
• Redeem Rewards points to pay for your monthly Investec Private Bank Account fee:
  
  • 9 900 Rewards points for single account holders
    
  • 5 500 Rewards points for guaranteed accounts
    
  • 5 500 Rewards points for multiple (extra) accounts
  • 6 300 Rewards points for Business accounts
    
  • 5 500 Rewards points for trainee accountant account holders
    

If I have more than one Investec Private Bank Account, can I redeem both sets of Rewards points?
You can, if both Investec Private Bank Accounts are in your name. To redeem your Rewards points, call the Investec Global Client Support Centre on +27 11 286 9663 or 0860 110 161.
Can I transfer Rewards points to another person’s Investec Private Bank Account?
You can transfer your Rewards points to another person’s Investec Private Bank Account, if the Investec Private Bank Accounts are within the same immediate family, ie parents, wife, husband, children and siblings, subject to Investec’s approval.
My spouse and I each have an Investec Private Bank Account. Can we use both of our Rewards points to redeem?
Yes. We will need authorisation from you and your spouse to enable us to redeem using both sets of Rewards points.
Can I cancel a redemption once I have received my vouchers?
No, unfortunately not.
What is the validity period of electronic vouchers?
On redeeming your Rewards points, we will SMS you an electronic voucher within 48 hours to the mobile number we have for you on record, or you can enter an alternative mobile number.
Electronic vouchers are valid for three years from receipt of your SMS. You will forfeit any expired vouchers and these cannot be converted back into Rewards points.
Can I use my Investec card while travelling?
Secure chip and PIN technology protects your Investec Visa card and it is welcome at millions of Visa retail outlets, globally.
Whether you use your Investec Visa card at the point of sale, either in-store or online, you know that your card will work the first time, every time – regardless of where in the world you are. You can also rest assured that fraud risk is kept to an absolute minimum.

What is Travel by Investec?
Investec Visa card holders have exclusive access to Travel by Investec - Africa's leading online travel agency.
You can easily get competitive quotes for local and international:

• Flights, on any airline, any seat, any time, to anywhere, including low cost carriers
• Accommodation (more than a thousand B&Bs in South Africa and 100 000 hotels worldwide)
  
• Car hire
  
• Tailor-made cruises
  
• A selection of rail tours
  
• Exclusive holiday packages
  

Are there any additional travel rewards I have access to?
In addition to the benefits of a fully-fledged travel agency, Travel by Investec also gives you access to a selection of our directly negotiated partner programmes, including our Global Airline Collection and our Global Hotel and Safari Lodge Collection.
This allows you to benefit from preferential rates and experience benefits - rarely available to the public.
Can I book flights on any airline?
With Investec Rewards and Travel by Investec, you have the flexibility of being able to book your seats on any airline, any seat, any time, to anywhere – without the restrictions of limited seat availability – just as you would if you were paying cash instead of with your Investec Rewards points.
You can even use your Investec Rewards points to pay for airport taxes.
Must the booking be for leisure purposes?
With Travel by Investec, you can make bookings for business or leisure purposes, the choice is yours. You will also have access to our various partner programmes and rewards benefits, whether travelling for business or leisure purposes.
What is the Global Airline Collection?
With our Global Airline Collection, you can book premium airline tickets at the best prices, easily and quickly. You will enjoy savings of up to 35% on select domestic and international flights (discount applies to airfare, excluding taxes), whether for business or leisure purposes.
Which airlines are part of this collection?
With Travel by Investec, you have access to directly negotiated rates for flights departing from South Africa with our airline partners, including British Airways, Singapore Airlines, Emirates, Etihad Airways, Turkish Airlines, Virgin, Qantas, Mango, El Al Airways and many more.
Is there a limit on the number of flights I can book with the Global Airline Collection?
You can book as many flights as you want, for anybody you want – just use your Investec Visa card to make payment.
Can I earn frequent flyer miles with Travel by Investec?
You can earn frequent flyer miles with your choice of airline, while earning Rewards points with Travel by Investec at the same time, at a preferential rate.
What is the Global Hotel and Safari Lodge Collection?
Through Travel by Investec, you can now book local and international accommodation at a select range of international hotels, safari lodges and boutique hotels and enjoy savings of up to 30%.
Must the accommodation be for leisure only?
You will have access to our various partner programmes and rewards benefits, you can book accommodation for leisure or business travel, the choice is yours.
Can I hire a car?
Booking a hire car, locally or internationally, could not be easier, just specify the car you are looking for and Travel by Investec will find it for you at the best possible rate (up to a saving of 40%) at one of the top rental agencies. Standard waiver and super waiver options are available.
What are the benefits of booking a hire car locally through Travel by Investec?
When booking a hire car locally through Travel by Investec, you also have exclusive access to the following benefits:

• Guaranteed availability
• Fixed rates that are highly competitive, with no seasonal or peak period fluctuations
  
• A minimum hold on your Investec Visa card for fuel and optional extras only (deposit)
• Low and fixed excesses (excesses are not deducted upfront, but rather after the end of your rental in the event of an accident or damage to the vehicle)
  
• Spend less time in the queue on pick-up

Do I earn Rewards points through Travel by Investec?
You earn 1.5 Rewards points for every R5 you spend (the usual rate is one point for every R5) on your Investec Visa card at Travel by Investec.
Can I redeem Rewards points through Travel by Investec?
You can redeem your Rewards points at a preferential rate with Travel by Investec and use these points to pay for, or reduce, the cost of your travel - holiday packages, flights, accommodation, car hire and travel insurance.
You can choose to either redeem towards 50% of your booking amount or 100% of your booking amount. If you do not have sufficient points for the full 50% or 100%, the maximum amount possible against your request will be redeemed in increments of 5 000 Rewards points.
What if I do not have enough Rewards points to cover the full cost of my redemption request?
If you do not have enough Rewards points, you can redeem a maximum increment of 5 000 Rewards points.
How long does it take for the cash rebate to reflect in my account from the time of redemption?
Your travel redemption rebate will reflect in your account within 48 hours of your booking.
Can I use Travel by Investec if I have a Business Account?
If you’re an Investec client with a Business Account, you are also entitled to the travel rewards with Travel by Investec.
You also have access to a specialist Travel by Investec account manager to help you organise your business travel needs, for example a conference, or incentive trip, both locally and internationally.
How do I get in touch with Travel by Investec?
When you have found the perfect holiday, you can make your booking online with Travel by Investec www.travelbyinvestec.co.za or call 0861 000 897 to speak to an experienced travel consultant.
The consultant can also advise you regarding your visa applications.
Can I ask the travel consultant to do the booking for me? If so, what information do I need to give?
Yes you can. Please provide the agent with the following information:

• Your dates of departure and return. If you have preferences as to airline, times and stopovers
• Preference to low cost carriers or not
  
• Do you require accommodation or car hire and any preferences within this
  
• Frequent Flyer numbers
  
• Special requests, e.g. meals, seating, baby seats etc.
  

If I don't want to disclose my card details on the Travel by Investec website, can I make an EFT instead and still earn points?
To earn the Rewards points you have to make the payment using your Investec Visa card. The site is secure for credit card details. EFTs are not accepted when making payment.
How do I cancel or change a booking?
To cancel or change a booking, you can call Travel by Investec. Terms and conditions do apply. For any changes you make to your booking, you will be charged an amendment fee. You might have to pay in full for a cancellation of an airline ticket, car hire or hotel booking.
Where can I retrieve my Travel by Investec reference number or booking information if I have misplaced it?
You can call Travel by Investec and request it to be sent to you.
Do I still qualify for automatic travel insurance?
As long as you are paying with your Investec Visa card you qualify for automatic travel insurance.
Can I make bookings for other people using my Investec Visa card?
Yes, you can make bookings for other travellers by using your Investec Visa card details. Your request may be verified by a travel consultant.
Can tickets and bookings be transferred to someone else if I change my mind about travelling?
No, tickets and bookings cannot be transferred to someone else. The booking would have to be amended or cancelled. Please note, cancellation and amendment fees will apply.

Do I get complimentary travel insurance?
When buying international travel tickets with your Investec Visa card for trips starting and ending in South Africa, you receive complimentary travel insurance cover for a travel period up to 90 days.
Who qualifies for this travel insurance?
You receive complimentary travel insurance cover for anyone you have bought international travel tickets for (e.g., spouse, children, family and friends, under 80 years of age). It covers medical emergencies and related expenses as well as personal accidents.
All travellers that are not Investec card holders, share the complimentary travel insurance cover.
For Business accounts, business associates also qualify for the travel insurance.
The only requirements are that all tickets must be bought using an Investec Visa card and the international trip must start and end in South Africa.
Is this travel insurance all-inclusive?
The complimentary insurance has certain limitations and/or exclusions. For example, pre-existing medical conditions, sport or adventure activities and inconvenience will not be covered.
For full details about the cover, you can read the policy information here.
Is additional top-up insurance available?
If you need cover for pre-existing medical conditions, sport or adventure activities and inconvenience cover, you can buy additional top-up insurance. Simply visit Travel by Investec or contact Bryte Travel on +27 011 370 9489 or 0860 22 44 88 or [email protected]
You can redeem your Rewards points towards purchases of top-up travel insurance if you buy it through Travel by Investec.
 

Can Travel by Investec assist with visa applications?
Yes. Whether you are a leisure or a business international traveller, you can apply for visas using an easy and comprehensive travel visa service through Travel by Investec and MDS VisaPak.
Who is MDS VisaPak?
MDS VisaPak is a specialist visa acquisition services company that focusses on short-term business and holiday visas (any visa that has a stay of 90 days or less). Its experienced staff works closely with various embassies to obtain visas to worldwide destinations on short notice.
What services do they offer?
MDS VisaPak services offered through Travel by Investec include:

• Loading online visa applications on your behalf where required
• Paying upfront for visas
  
• Collecting of documents
  
• Checking and preparing the application
  
• Making the submission appointment on your behalf
  
• Meeting and assisting you at the embassy
  
• Collecting of the passport from the embassy
  
• Delivering the passport to you
  

What is the difference between visa validity and duration?
On your visa, you will note an issuance date and an expiration date. The time between these two dates is referred to as your visa validity dates. You can travel to that specific country during this time.
Once you arrive at your destination, the visa duration is the maximum permitted stay in that country according to your visa.
How do I request MDS VisaPak services?
To use these services, visit Travel by Investec to obtain a quote online, which will include the visa requirements and application form. Alternatively, contact a Travel by Investec travel consultant by calling 0861 000 897 for a quote.
If you need any assistance during the preparation of the documents, your travel consultant will put you in contact with a MDS VisaPak assistant who will take over the visa process.
How long must my passport still be valid for to apply for a visa?
To apply for a visa, most countries require that your passport must be valid for at least six months after your scheduled return to South Africa.
If you are getting a multiple entry visa, and your passport expires soon, you should consider getting your passport renewed first. Once your passport expires, most visas in this passport will no longer be valid.
Do I need to send in my actual passport?
Yes, for most countries you need to submit your passport so the visa may be stamped on one of the blank pages.
Is there a service fee?
Over and above the cost of the visa, MDS VisaPak charges a service fee, per visa application, per person. As an Investec client, you qualify for a 20% discount on this service fee. The quote you will receive will factor this discount in already.
If you live outside major city centres, MDS VisaPak can arrange a courier to collect the required forms and documents from you for an additional fee.
How do I pay?
Through Travel by Investec, you can pay for MDS VisaPak services with your Investec Visa card only.
Can I redeem my Rewards points to pay for this service?
Yes. You can redeem your Rewards points to pay for, or reduce, the cost of this service if you pay Travel by Investec with your Investec Visa card.

Which airport lounges can I access?
As an Investec card holder, you have access to SAA-owned Lounges and Bidvest Premier Lounges.
While you are waiting for your flight, you can enjoy complimentary food and beverages, access free internet, page through local and international newspapers and magazines or relax and watch some television.
 
SAA-owned Lounges
Is access to SAA-owned Lounges free?
You enjoy complimentary access to selected SAA-owned Lounges, irrespective of the class or airline you are travelling on. There are no restrictions on the number of visits per month per cardholder.
Which lounges can I access?
Domestic departures

• Cape Town
• Durban
• East London
• Johannesburg
• Port Elizabeth

International departures

• Harare
• Johannesburg
• Lagos
• Lusaka

London Heathrow Airport
When travelling on SAA only, you can also access the Air Canada Business Class Lounge, situated in London’s Heathrow Airport (Departures, Terminal 2).
Who can access these SAA lounges?
The card holder can access these lounges and complimentary access applies to children under the age of 12 (up to four at a time per card holder).
You cannot buy additional entrance for other guests.
Unfortunately, children and guests are not allowed in the Air Canada Business Class Lounge, situated in London’s Heathrow Airport (Departures, Terminal 2).
How do I get entry?
Simply present your Investec Visa card and boarding pass at the lounge for entry. The name that appears on the boarding pass and your Investec Visa card must be the same. Card expiry dates will be checked.
At Heathrow, on check-in for your flight, simply present your Investec Visa card and request your invite for access to the Air Canada Business Class lounge.
What are the operating hours?
Lounge operating hours depend on SAA and Star Alliance flights. Operating hours vary from airport to airport, day-to-day.
Is flight information available in the lounge?
SAA reception staff cannot give flight information on other carriers, but there are flight information screens in the lounges.
 
Bidvest Premier Lounges
Is access to Bidvest lounges free?
As an Investec card holder, you have complimentary access to both domestic and international Bidvest Premier Lounges throughout South Africa.
Which lounges do I have access to?
Domestic departures

• Cape Town
• Durban
• East London
• George
• Johannesburg
• Lanseria
• Port Elizabeth
• Bloemfontein (Braam Fischer Airport)

Who can access the lounges?
Complimentary access is available to the cardholder and children under the age of 12 (up to four at a time per card holder).
You can buy entry for an additional guest.
How do I get access?
For access, simply present your Investec Visa card and boarding pass at the lounge. Your Investec Visa card must be valid (not expired).
The name on the Investec Visa card must correspond with the name on the boarding pass.
You must be in possession of your Investec Visa card when accessing the BIDAIR lounge unless prior arrangements are made directly with Investec Private Banking.
What are the operating hours?
OR Tambo International Airport - International Premier Lounge
24 hours
OR Tambo International Airport - Domestic Premier Lounge
05h00 - 21h00 Monday to Friday
Lanseria Internationl Airport - Domestic Premier Lounge
04h30 - 20h00 Monday to Thursday
04h30 - 21h30 Friday
05h00 - 17h30 Saturday
George Domestic Airport - Domestic Premier Lounge
07h00 - 18h30 Monday to Thursday
07h00 - 20h00 Friday
08h00 - 15h00 Saturday
Port Elizabeth Domestic Airport - Domestic Premier Lounge
05h00 - 20h30 Monday to Friday
06h30 - 16h30 Saturday
Cape Town International Airport - International Premier Lounge
05h00 - 23h00 Monday to Sunday
Cape Town International Airport - Domestic Premier Lounge
05h00 - 21h00 Monday to Friday and Sunday
05h00 - 20h00 Saturday
Durban International Airport - Domestic Premier Lounge
05h00 - 21h00 Monday to Friday
06h00 - 21h00 Saturday
East London Domestic Airport - Domestic Premier Lounge
05h30 - 20h30 Monday to Friday
08h00 - 17h00 Saturday
Bram Fischer Airport (Bloemfontein) - Domestic Premier Lounge
05h30 - 19h30 Monday to Friday
08h00 - 16h00 Saturday

SAA Voyager Miles
Can I redeem my Rewards points for Miles on SAA?
You can boost your Voyager Miles quickly by redeeming your Rewards points for Miles on SAA or any of the 26 Star Alliance partner airlines. You have to be a SAA Voyager member to redeem your Rewards points for Voyager Miles.
You can redeem your Rewards points towards Voyager Miles on an ad hoc basis when required, at a ratio of 2 200 Rewards points for 1 000 Voyager Miles, and can still redeem your Rewards points towards all our other partners too.
Once you have received your Voyager Miles, book tickets online at www.flysaa.com or call SAA Voyager on +27 11 978 1234.
SAA Voyager terms and conditions apply.
Can I redeem Rewards points for all partners?
You can redeem your Rewards points towards Voyager Miles on an ad hoc basis when required, at a ratio of 2 200 Rewards points for 1 000 Voyager Miles, and can still redeem your Rewards points towards all our other partners too.
Once you have received your Voyager Miles, book tickets online at www.flysaa.com or call SAA Voyager on +27 11 978 1234.
SAA Voyager terms and conditions apply.
How do I make a Voyager booking?
Once you have enough Voyager Miles, you can make a Voyager booking by:

• Calling SAA Voyager on +27 11 978 1212
• Buying tickets online at www.flysaa.com
  

If I want to redeem my Rewards points for Voyager Miles, how long will it take for my Voyager account to be credited?
After instructing us to redeem your Rewards points to Voyager Miles, the Voyager Miles will be credited to your Voyager account within two business days.
How do I get travel insurance when I fly using an SAA Voyager ticket?
By redeeming Rewards points earned for SAA Voyager Miles, you will receive automatic travel insurance, at no additional charge, if the full cost of travel tickets is covered with Voyager Miles.
 
BA Avios
Can I redeem Rewards points for Avios?
You can convert your Rewards points to Avios on an ad hoc basis when required, at a ratio of 2 000 Rewards points for 1 000 Avios, and can still redeem Rewards points towards all our other partners too.
Your Avios will remain in your British Airways Executive Club account as long as you remain an active member by collecting at least one Avios every three years.
BA Avios terms and conditions apply.
Can I redeem my Rewards points for all our partners?
You can convert your Rewards points to Avios on an ad hoc basis when required, at a ratio of 2 000 Rewards points for 1 000 Avios, and can still redeem Rewards points towards all our other partners too.
Your Avios will remain in your British Airways Executive Club account as long as you remain an active member by collecting at least one Avios every three years.
BA Avios terms and conditions apply.
How soon will BA Avios appear in my British Airways Executive Club account?
The BA Avios will appear in your Executive Club account within two working days of the redemption being processed.
How can I spend my Avios with British Airways?

• Book a reward flight (subject to availability. Taxes, fees and carrier charges apply)
• Upgrade to the next cabin tier
  
• Buy your next ticket using cash and Avios
  
• Book hotel accommodation
  
• Book car rental with Avis
  

How do I join the British Airways Executive Club?
To enrol in the British Airways Executive Club, visit ba.com
To redeem your Avios, contact the British Airways Executive Club Service Centre on +27 10 344 0135 or visit ba.com.

Shopping centres
Which shopping centres do you partner with?
Eastern Cape

• Vincent Park (East London)
• Walmer Park Shopping Centre (Port Elizabeth)
  

Gauteng

• Bedford Centre
• Brooklyn Mall
  
• Eastgate
  
• Irene Mall
  
• Kolonnade Shopping Centre
  
• Menlyn Park
  
• Sandton City (including Nelson Mandela Square)
  
• The [email protected]
  
• Cresta Shopping Centre
  
• Killarney mall
  

KwaZulu-Natal

• Gateway
• La Lucia Mall
• Midlands Mall (Pietermaritzburg)

Mpumalanga

• Riverside Mall (Nelspruit)

Western Cape

• Cavendish Square
• Constantia Village
  
• Victoria & Alfred Waterfront
  

How many Rewards points do I need in order to redeem for shopping centre vouchers?
If you redeem 7 500 points, you will get a R250 voucher to spend at any store in your favourite shopping centre.
How do I redeem my Rewards points for shopping centre vouchers?
You can do this through Online Banking or by calling the Global Client Support Centre.
How do I get the voucher?
We will SMS you an electronic voucher within 48 hours to the mobile phone number we have for you on record, or you can enter an alternative mobile number. You can then collect the physical vouchers from the shopping mall information desk with a valid form of ID.
How long are vouchers valid for?
Electronic vouchers are valid for three years from receipt of your SMS. You will forfeit any expired vouchers and these will not be converted back into Rewards points.
Can I give these vouchers as gifts?
Yes, you can gift these vouchers to friends or family.
 
Retail stores
Which retails stores are part of Investec Rewards?
The following stores are part of Investec Rewards:

• Cape Union Mart
• GANT
• Old Khaki
• Poetry
• The Pro Shop
• NetFlorist (online only)

Will I earn Rewards points for my spend at these stores?
Not only will you earn double Rewards points for your spend at these selected stores, but you can redeem your existing Rewards points for vouchers to spend online or in-store too.
How many Rewards points do I have to redeem?
For every 7 500 Rewards points you redeem towards your chosen retailer, you will receive a voucher for R250.
How do I redeem my Rewards points for vouchers?
Simply log into Investec Online Banking or call the Investec Global Client Support Centre to redeem your Rewards points.
How do I get these vouchers?
You will receive a voucher by SMS within 48 hours. The SMS voucher is valid for three years from receipt of your SMS. You will forfeit any expired vouchers and these will not be converted back into Rewards points.
You then redeem the SMS voucher at the specified stores nationwide with a valid form of identification or you can shop online.
 
Motoring – Bidvest McCarthy
How do I earn Rewards points through Bidvest McCarthy Call-a-Car?
If you buy a motor vehicle at any of Bidvest McCarthy’s 100 nationwide dealerships or through their Service Centre, you could earn thousands of Rewards points.
To qualify, you must buy the vehicle through McCarthy Call-a-Car via Electronic Funds Transfer (EFT) from your Investec Private Bank Account or finance it through Investec Private Banking.
How many points will I earn?
For every R5 you spend, you will earn one Rewards point, up to a maximum of 200 000 per vehicle purchase. Points cannot be allocated retrospectively.
The total purchase cost of the vehicle is taken into account (excluding VAT and accessories).
Please ensure that you advise your Bidvest McCarthy dealership agent that you are an Investec client to qualify for the points.
Do I get any other benefits?
You also get free Club McCarthy membership for one year with 24 hour roadside assistance, reduced service costs and reduced car hire.
How do I get in touch with Bidvest McCarthy?
To make use of the McCarthy service, please call 0860 22 33 54 or visit www.callacar.co.za.

Private Bank Account fee
Can I pay my monthly Private Bank Account fee with Rewards points?
You can use your Rewards points to cover your monthly transactional banking fee. Simply call the Investec global Client Support Centre to activate this option.
Is this process automatic?
For every month you have sufficient Rewards points to cover the monthly account fee, we will debit the points automatically from your Rewards account. You will then receive a credit into your Investec Private Bank Account to the value of your account fee.
What if I do not have enough Rewards points to cover my monthly fee?
For the months that you do not have sufficient Rewards points to redeem towards your monthly fee, you will not receive the credit into your Private Bank Account. These Rewards points will carry over for, and can be used as part of, the following month’s redemption.
If you have surplus Rewards points after your fee redemption, you can redeem these points at another partner.
 
Unit trusts
Can I redeem Rewards points for unit trusts?
You can redeem your Rewards points for a selection of onshore unit trusts, purchased from Ninety One.
Are there any minimum requirements?
You can redeem your Rewards points online for unit trusts if you have an existing Ninety One you have an existing Ninety One unit trust account number with a minimum investment holding balance of R10 000 or if you set up a minimum debit order of R500.
Active debit order investors are exempt from the minimum holding balance requirement if the debit order remains active.
If I want to redeem my Rewards points for unit trusts, how long will it take before my unit trusts become available to me?
Your unit trust investment will reflect in your account within five working days. These unit trusts will be available to you in 10 working days from the date of the deposit, which is the standard clearance period on purchases.
How do I open a Ninety One account?
Simply call the Ninety One Client Service Centre on 0860 500 900 or email them on [email protected].
 
Give Back
How did you select the charities?
By focusing on education and entrepreneurship, Investec Corporate Social Investments (CSI) endeavours to create opportunities for employment and wealth and stimulate socio-economic growth. We also focus on initiatives that support the planet, from sustainability projects to conservation and much more.
In line with this philosophy, we have chosen a number of charities for Investec Rewards. This enables you to redeem your Rewards points and support a charity close to your heart.
How many Rewards points do I need to redeem?
For every 7 500 Rewards points you redeem, R250 will be donated to your selected charity. You can do this through Online Banking or by calling the Global Client Support Centre.
Which charities can I support?
You can support the following charities:

• Business Against Crime
  
• CANSA
  
• Clicks Helping Hand Trust
  
• Cotlands
  
• Food and Trees for Africa
  
• Investec Rhino Lifeline
  
• National SPCA
  
• The Study Trust
  
• Thuthuka Bursary Fund
  
• Childline South Africa
  
• Enke: Make Your Mark
  
• Field Band Foundation
  
• Hospice Palliative Care Association
  
• Junior Achievement South Africa
  
• Khulisa Social Solutions
  
• LifeLine South Africa
  
• Starfish Greathearts Foundation
  
• The People’s Dispensary for Sick Animals
  
• Women and Men Against Child Abuse

Do I earn Rewards points for my spend at your spa partners?
Yes. You earn two Rewards points for every R5 you spend on your Investec Visa card at both Spas of Distinction and Camelot Spa.
How do I redeem my points for spa vouchers?
For every 7 500 Rewards points you redeem through Online Banking or the Global Client Support Centre, you will receive a voucher for R250.
You can use your vouchers for treatments, products and specials any time of the week, subject to availability.
Which spas form part of Spas of Distinction?
The Spas of Distinction Collection is an award-winning, family-owned group of spas situated in and around Gauteng and Cape Town.

• Life Day Spa - Cape Town
• Life Day Spa - Fourways
  
• Life Day Spa - Rosebank
  
• Soulstice Day Spa - West Rand
  
• Soulstice Day Spa - Pretoria
  
• Octavia’s Sensorium - East Rand
  

Where can I find information on Camelot Spa?
For more information on Camelot Spa, visit www.camelotspa.co.za or contact Camelot Spa on +27 11 880 3850/1 or [email protected].
What other benefits do I receive from Camelot Spa?
As an Investec Visa cardholder you’re entitled to 10% off all treatments, excluding VAT, and 5% off all products, excluding VAT.
Please be aware that the discounts do not apply to vouchers, already reduced rates (such as promotions, specials and weekend and stay over packages), manicures, pedicures, waxing and sunbed treatments.