Investec Rewards

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.