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Investec Rewards

Deeper partnerships, more rewards

  • No joining fees

    As an Investec Private Bank or Private Business Account holder, you’re automatically enrolled in the Investec Rewards programme. No fees required.

    Learn more
  • No expiry date, no limit

    There’s no limit to the number of Rewards points you are able to earn. Best of all? Your points will never expire.

    Learn more
  • Do more, earn more

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

    Learn more
  • Your points, your choice

    Use your Rewards points in any way that suits you – whether covering your monthly account fee or banking it as cash, with a simple redemption ratio of 20 Rewards points for R1.

    Learn more

At Investec, we appreciate your partnership

Man and women hugging with a rewards box in his hands from his Private Bank

As leading Private Bank, we believe in forming deep relationships. Our business is built around connections with our clients.

With Investec Rewards, you benefit from a complimentary loyalty programme that gives you more control, flexibility and choice.

As you bank, finance, save, invest and insure with us, you improve your partnership score and move up the five partnership levels.

There is no limit on the number of Rewards points you can earn and these never expire. You even earn points on outstanding lending balances every month.

EARNING REWARDS POINTS

Deeper partnerships, more rewards

As an Investec client with a Private Bank or Private Business Account, you’re automatically registered in our banking rewards programme at no extra cost – 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, finance, save, invest and insure, 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.
Lady shopping online with her Private Bank Card
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 purchases

All purchases made with your Investec Visa card (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 balances

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

As a Rewards member, your earn rate is based on your partnership level. There are five partnership levels and the higher your level, the higher your earn rate. Your partnership level is determined by your partnership score. As you reach each partnership score threshold, you move up to the next partnership level.

Level 1

Minimum monthly deposit requirement not met

The minimum monthly deposit requirement* must first 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

  • Private Business Account

*Finance and insure 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

Earn one Rewards point* for every R5 spent on the purchase price of any new, demo or used vehicle through Bidvest McCarthy (excluding VAT and accessories). Just finance it through us or pay by EFT from your Private Bank Account. The vehicle must be for private use and registered in your name.

*Up to a maximum of 200 000 Rewards points per deal. 

REDEMPTION POINTS

What your Rewards points are worth

The redemption ratio is 20 Rewards points for R1 across all Investec Rewards redemption options, except British Airways Avios.

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MOST POPULAR REDEMPTIONS

What would you love to redeem your Rewards points for?

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.

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 Investec Travel to pay for your flights, hotels and car rental online or to book a bespoke itinerary with a travel specialist.
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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.

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 Investec Travel to pay for your flights, hotels and car rental online or to book a bespoke itinerary with a travel specialist.
REWARDS

Charitable donations

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

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.
REWARDS

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.
REWARDS

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 Investec Travel.

REDEMPTION CATEGORIES

All the ways you can use your Rewards points

How to redeem your Rewards points

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

Investec Online

  • Log into your Investec Online profile
  • Select the ‘Investec Rewards’ card on the overview page
  • 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

  • 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

MORE INFORMATION

Investec Rewards programme rules PDF 180.5 KB
Investec Rewards Terms and Conditions PDF 450.96 KB
Investec Rewards frequently asked questions PDF 174.73 KB
Investec Rewards Factsheet PDF 305.76 KB

BECOME A PRIVATE BANKING 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.

Happy family outdoors smiling about their family banking and Private Bank Account