As a Money Saver cardholder, you can earn up to 10% of your monthly shopping as a cash-back bonus. Your bonus is calculated according to a discount table, which is related to your Sanlam Reality membership tier as well as the shopping category. For some of the categories, there is a monthly cap on the amount of money that can be used to calculate your bonus. The cap is a percentage of your total monthly expenditure. So, the more you spend, the higher your bonus will be. Fill in the values below and click the calculate button to generate an estimate of your cash-back bonus. The estimate will indicate how much you’ve earned in a month towards your cash-back bonus.

* Clothing, electronics etc.

How it works

Sanlam Reality brings you a world-class day-to-day transactional shopping card called Money Saver. Every time you use your Money Saver card at our list of national partners, including Pick n Pay, participating Engens, Dis-Chem, Clicks, Edgars, Jet, PEP and many more, you qualify to earn towards a cash-back bonus.

Based on your credit worthiness, you will qualify for a monthly purchase limit. This limit is interest free and can be used for purchases during the month. You are required to settle the full amount that you use within 45 days. . You will also pay no transactional fees at any of the national retail partners, as all transactions are included in your monthly administration fee which is currently R50. The administration fee also includes a card fee and card insurance. As a valued Sanlam Reality member, you will qualify for a free period giving you the opportunity to see how the card works and how much you can earn towards a cash-back bonus. Sanlam Reality members will receive 12 months free and all Medscheme clients will receive 3 months free. Think of your Money Saver card as an extension of your current account and use it where you will be better off than swiping your bank card.

Where may I shop?

  • Fuel: Participating Engens
  • Groceries: Pick n Pay
  • Pharmacy: Dis-Chem
  • Goods: Clicks, Edgars, Jet, Boardmans, CNA, selected Tiger Wheel & Tyre stores, selected Tyres & More stores, Brights, Tafelberg Furnishers, Pep, Musica, The Body Shop, GNC, Claire's

Cash-back bonus payment

You can earn back up to 10% of your monthly shopping as a cash-back bonus. Your cash-back bonus is calculated according to a discount rate table, which is related to your Sanlam Reality tier status as well as the shopping category and in some cases the amount spent. Please see the tables below. Some shopping categories are capped relative to your total spend: for example, fuel rebates are capped at 10% of monthly spend meaning that if your fuel bill is 12% of total spend you will earn discounts on the first 10%. Caps are there to avoid abuse and we have set them based on reasonable average spend.

Your bonus is earned across spend categories and tier levels as illustrated below. For example, if you are a Sanlam Reality member on the Silver tier status and you spend R12 000 on groceries in one month (capped at 50%), then the first R5 000 will earn 2% towards your cash-back bonus and the next R1 000 will earn 4% towards your cash-back bonus.

Your cash-back bonus payment could be paid out quarterly or annually – you decide every year which option you prefer.

Fixed rebate percentage: petrol and pharmacy

You will earn this rebate regardless of how much you spend on these categories in a month.

Tier status Fuel Pharmacy
Bronze 5.0% 5.0%
Silver 7.5% 7.5%
Gold 10.0% 10.0%

Variable rebate percentage: groceries and goods*

The rebate you earn in these categories is dependent on how much you spend.

Tier status ≤R5 000 R5 001 - R10 000 ≥R10 001
Bronze 1.5% 3.0% 6.0%
Silver 2.0% 4.0% 8.0%
Gold 2.5% 5.0% 10.0%

Category capping

This is the percentage of your total monthly spend per category that will be used to calculate your bonus.

Category Cap
Fuel 10%
Groceries 50%
Pharmacy 10%
Goods* 50%

Benefit for the whole family

The more you spend on the card, the better your cash-back bonus will be. We offer the cardholder the opportunity to get secondary cards for other family members at a cost of R25 per card per month. The R25 will be billed to your account every month and annual card fee increase applies.

Card balance and statements

Your statement will be generated and emailed to you during the week of the 17th of each month. This will reflect all the purchases for your account for the previous purchase month (starting from the 16th of the month until the 15th of the next month). You can request an email copy of your statement at any time.

Please note that your Money Saver transactions will take 2-3 business days to reflect on your digital statement on our website.

How to pay

You can settle your Money Saver card via debit order. This will be setup when you apply for your card.

Payment methods:

  • - Debit order (preferred method)
  • - Electronic Fund Transfer


EFTs should be made to:
Cape Consumers' bank account details:
Bank: First National Bank
Account number: 50260012379
Branch: Cape Town Corporate
Branch Code: 204109

Cape Consumers administers the Money Saver card.

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