1. What is Active Dayz™

• Active Dayz™ allows Multiply members to earn points and benefits for tracking their physical activity with gym visits, steps, event completion and through calorie tracking with supported activity tracking devices.

2. Who may use this benefit?

• This benefit is available to principal members and their spouses/partners on Multiply Premier and Multiply Starter.

3. How to earn an Active Dayz™?

• Members can get an Active Day in the following ways:

1. One gym visit per day (Virgin Active, Planet Fitness, Affiliated gyms, Curves, GoHealth, World of Golf, Golf Villages)
2. 300 active calories or more logged in via a supported activity tracking device per workout session.
   • A member should start their workout session on their activity tracking device when they start to exercise and should stop the workout session on their activity tracking device when they have finished exercising.
   • If a member forgets to stop their workout session on their activity tracking device, this may affect them earning an Active Day
   • A member should not start a workout session on their activity tracking device unless they are exercising. 
   • If a workout session is started on the activity tracking device and left running without the member working out/ exercising, the Active Day will not be awarded even though the device will show 300 calories burnt (these are passive calories) 
3. 10 000 steps or more logged with a supported activity tracking device linked to the Multiply profile.
4. Complete a qualifying event (claimed via Entrytime online).

4. How to earn points for Active Dayz™:

• Multiply Premier members can earn 1 point per day for an Active Day.
• Multiply Starter members do not earn points.
• Member can get one Active Day per day.

5. Accessing the Active Dayz™:

• Members must register their new device on the manufacturer's website and follow their guide to obtain a username and password if they do not have one.
• Members must then Log on to the Multiply website and select "link your device" from the "Get Active" menu or the quick navigation.
• Members can Select their device from the list and enter the username and password that they use to log on to the device's website/app.
• Members must remember to regularly upload their device data using the device's website or app.

6.  Product benefits:

• Multiply Premier members can access a number of product benefits, through the use of Active Dayz™ and Healthy Heart Score:
• Up to 60% back in EmployeeReturns on qualifying FundsAtWork insurance premiums;
• Up to 60% back on Myriad insurance premiums; and
• R3 000 per month per family in Health Returns from Momentum Medical Scheme.

7. List of supported devices and apps for Active Dayz™:

• Click here for the full list of supported devices and app.

8. Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.momentum.co.za/multiply.

9. Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled. 

10. Claiming Active Dayz™

• If members earn Active Dayz™ in one year and claim them in another, they have only three months to claim their Active Dayz™. For example, if they earn the Active Dayz™ on 1 December, they must claim them by 1 March. If they do not claim the Active Dayz™ within this period, Multiply will not award the Active Dayz™.

1. What is the benefit?

• Members earn a 20% discount on ADT installations through Multiply.

2. Who may use this benefit?

• This benefit is available to all members on Multiply Premier and Multiply Starter. 

3. How this benefit works:

• Multiply members can access this benefit by calling the ADT call-centre and booking an appointment on 086 010 0911.
• Members will then be required to provide the call-centre agent with their place of residence, ID number (or passport number) and Multiply membership number in order to verify their membership and confirm the booking.
• An ADT agent will visit the members place of residence, verify that the member's Multiply membership details in person and provide a quotation as well as the applicable Multiply member discount.
• If the quotation is accepted, members will then pay the reduced installation cost directly to ADT, for the required installation.

4. Benefit rules:

• This benefit is only available to main members/policyholders and spouses/partners as listed per the Multiply contract/plan.
• This benefit has no maximum spend limit for members. 
• This benefit excludes existing Fidelity ADT subscribers who pay ongoing monthly premiums to Fidelity ADT, as well as rented or leased systems.
• Installations are restricted to member's registered places of residence.
• ADT installations include all residential intruder systems and devices, excluding electric fences and Viewprotect products.
• Members can contact the Multiply service-centre on 0861 886 600 for further information. 
• Standard ADT Terms and Conditions apply.

1. What is the benefit?

• Members get up to 45% discount on accommodation at African Pride Hotels in South Africa.

2. Who may use this benefit?

• This benefit is available to all principal members and their spouses/partners on Multiply Premier.
• This benefit is not available to Multiply Starter members.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

3. How this benefit works:

• Members receive following discount on accommodation at African Pride Hotels in South Africa, based on their Multiply status: 

4. Benefit rules

• Hotel accommodation booked through Multiply is for leisure purposes only.
• Members may not use this benefit for more than 40 days per family member in one calendar year (January to December). This includes bookings at Protea Hotels. 
• Room bookings must be for a minimum of three consecutive nights, or two consecutive nights, which include a Saturday night.
• Discounts apply to the best room rate available at the time members make a booking. The rate will change depending on the season. Discounts do not apply to any specials or promotional rates.
• The room rate does not include any extra expenses, like extra meals, phone calls, room service, drinks, laundry service, tourism levies, parking fees and other surcharges.
• Bookings are non-refundable and Multiply will not accept any changes.
• Multiply members with a single membership are only allowed to book a single room. An additional nominal rate is charged for an extra person. This rate may vary between hotels. 
• Multiply members with family memberships can book a double room with a maximum of two adults per room. The hotel reserves the right to charge an additional fee for an extra adult sharing the room. Members must pay the additional fee directly to the hotel. 
• Children under the age of 12 years stay for free if they share a room with their parents. Please confirm at the time of reservation if the selected room is able to accommodate children.
• Cancellations are allowed by calling the Multiply Travel Desk on 0861 100 155 72hrs before check-in date.
• Refunds are allowed if the cancellation is done 72hrs before check-in, a death certificate or a Dr's note confirming hospitalization is produced.  Please call the Multiply Travel Desk on 0861 100 155.

5. How to use this benefit's booking accommodation

• Members must book through the Multiply Travel Desk at least three days before need the accommodation, by:
• phoning 0861 100 155, or
• sending an e-mail to [email protected].
• Member will need their Multiply client number and ID number when they make a booking.
• The room rate may or may not include breakfast. 
• Members must check whether they are making a booking for a standard room, family room or suite.
• Give the number of adults for each room.
• If a member has children, they must check whether the room and hotel can accommodate children.
• For a full list of African Pride Hotels, visit www.africanpridehotels.com.
• Multiply will e-mail the African Pride Hotels voucher to the member.

6. Paying for your accommodation

• Members can only pay with a valid MasterCard or Visa credit card.
• EFT via payment link.

7. Changing or cancelling a booking

• African Pride Hotels standard rules for changes apply to Multiply bookings. Members do not get a discount on the cost charged for changing their booking.
• If the new price is higher than the original, members will have to pay the difference. If the new price is lower than the original, members will lose the difference.
• Members are allowed to cancel their bookings, but Multiply will not refund members, unless for reasons related to hospitalisation or death (subject to proof). If members cancel for other reasons, they will have to use their booking on another date. Please note that additional costs could be involved.
• A changed booking must be used within 3 months of the original booking date.
• The Multiply discount does not apply to the extra costs when cancelling or make changes to a booking.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

8.General Multiply travel rules

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply's scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider's standard retail rate and not on the provider's special rate or the travel partner's special web fare rate.
• For any combination booking (flights and/or accommodation), a three-day or 14-day advance notice period will apply, depending on the nature of the booking. This can only be facilitated via the Multiply Travel Desk.
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are non-refundable and Multiply will not accept any name changes. 
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www. multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner's website.

9. Partner rules

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member's responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.africanpridehotels.com 

10. African Pride Hotels queries

• If members have any queries about African Pride Hotels, they can contact them by:
• phoning: 0861 11 9000, or
• visiting: www.africanpridehotels.com.

11. Multiply Travel Desk queries

• If members have any queries about Multiply travel arrangements made through the Multiply Travel Desk or Multiply travel rules, they can contact the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected].

12. Multiply benefit or points queries

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to:[email protected], or
• visiting: www.multiply.co.za.

13. Ending the benefit

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

Who can benefit? 

• This benefit is available to all Multiply Premier and Starter members. 

Multiply members are not allowed to transfer to Non-Multiply Members. 

• Members get up to 30% 

• Starter - up to 20% 

• Premier - up to 30% 

Benefit rules 

• Hotel accommodation booked through Multiply is for leisure purposes only.

• Multiply Premier members may not use this reward for more than 40 days per family in one calendar year (January to December). 

• Multiply Starter members may not use this reward for more than 20 days per family in one calendar year (January to December).

• These discounts apply to the best available single or double (as applicable) room rate prevailing at the time of reservation, and may therefore fluctuate depending on availability and season.

• The discounts do not apply to any specials or promotional rates offered by the respective hotels. 

• The discounted single or double room rates may include or exclude breakfast, depending on the hotel. 

• The room rate does not include any additional expenses, such as extra meals, phone calls, room service, drinks, laundry service, tourism levies, parking fees and other surcharges. 

• Bookings are non-refundable and we will not accept any changes. 

• Multiply members with a single membership can only book a single room. For any additional guests, the hotel will charge members directly. 

• Multiply members with family memberships can book a double room, with a maximum of two adults per room. The hotel reserves the right to charge an additional fee for an extra adult sharing the room, which is payable to the hotel. Children - the age limit will be determined by each hotel and/or resort. Not by Multiply or aha Hotels and Lodges.

• Cancellations are allowed by calling the Multiply Travel Desk on 0861 100 155 at least 72 hours before check-in date. 

• Refunds are allowed if the cancellation is done 72 hours before check-in, a death certificate or a Dr's note confirming hospitalisation is produced. Please call the Multiply Travel Desk on 0861 100 155.

How use this benefit's booking accommodation 

• To make a reservation, log in to the Multiply website and navigate to Rewards > Travel. If you have any enquiries, you may contact the Multiply Travel Desk on 0861 100 155, or email them at [email protected] Operating hours: Monday-Friday 08:00-17:00.

• Bookings must be made at least three days before the check-in date. 

• Member will need their Multiply membership number and ID number when they make a booking. 

• The room rate may or may not include breakfast.

• Members must check whether they are making a booking for a standard room, family room or suite. 

• Give the number of adults for each room. 

• If a member has children, they must check whether the room and hotel can accommodate children. 

• For a full list of aha Hotels and Lodges, visit - https://www.aha.co.za/. 

• Multiply will email the hotel vouchers and confirmation to the member. 

Paying for your accommodation 

• Members can only pay with a valid MasterCard or Visa credit card. 

• EFT via payment link. 

Changing or cancelling a booking 

• Members are liable for paying an administration fee if they change their booking. 

• aha Hotels and Lodges changes apply to Multiply bookings. Members do not get a discount on the cost charged for changing their booking. 

• If the new price is higher than the original, members will have to pay the difference. If the new price is lower than the original, members will lose the difference. 

• Members are allowed to cancel their bookings, but Multiply will not refund members, unless for reasons related to hospitalisation or death (subject to proof). If members cancel for other reasons, they will have to use their booking on another date. Please note that additional costs could be involved. 

• A changed booking must be used within 3 months of the original booking date. 

• The Multiply discount does not apply to the extra costs when cancelling or make changes to a booking. 

• Multiply Members are not allowed to transfer to Non-Multiply Members. 

General Multiply travel rules 

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply's scope and control. 

• Members will only qualify for the Multiply discount structure that is based on the service provider's standard retail rate and not on the provider's special rate or the travel partner's special web fare rate. 

• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges. 

• Bookings are non-refundable and Multiply will not accept any name changes.

• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner's website. 

Partner rules 
Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member's responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information. 
For comprehensive partner terms and conditions, please click here. 

aha Hotels and Lodge queries  

• If members have any queries about aha Hotels and Lodges, they can contact them by: 

• phoning: 0861 010 347 

• visiting: https://www.aha.co.za/. 

Multiply Travel queries 

• If members have any queries about Multiply travel arrangements or Multiply travel rules, they can contact the Multiply Travel Desk by: 

• phoning: 0861 100 155, or 

• sending an email to: [email protected]. 

Multiply benefit or points queries 

• If members have any queries about this Multiply benefit or points, they can contact Multiply by: 

• phoning: 0861 88 66 00, 

• sending an email to: [email protected], or 

• visiting: www.multiply.co.za. 

Ending the benefit 

• Members will no longer have access to this benefit if their Multiply membership is cancelled. 

1.What is the benefit?

Members get up to 30% discount on 12 domestic flights a year.

2. Who may use this reward?

This benefit is available to Multiply Premier members only. Multiply Members are not allowed to transfer to Non-Multiply Members

3. How this benefit works

The benefit is applicable to main members, their partners, adult and child dependants on the Multiply contract.
Members receive the following discounts on Airlink airfares, based on their Multiply Premier status:

The discounts above apply to the base fare portion of the ticket and exclude airport tax, insurance charges, tourism levies, courier costs and any other surcharges

4. Benefit rules

• If a BRONZE – PRIVATE CLUB member books more than 12 domestic air tickets per family member per calendar year their discount will revert to 5% for flights.

• Members may not book directly with the airline. Bookings may only take place through the Multiply website or Travel Desk.

• Flights booked through Multiply are for leisure purposes only and must span a minimum of 3 days and a maximum of 12 months.

• The discount is only applicable on the following routes:

  • Durban – Johannesburg

  • Cape Town – Johannesburg

  • Skukuza (Kruger National Park) – Johannesburg/Durban/Cape Town

  • Botswana – Johannesburg/Durban/Cape Town

• No Multiply discount will apply to any changes made to flight bookings.

• Members must ensure that they take out the necessary travel insurance when traveling overseas. Multiply offers travel insurance at a discount (see Travel Insurance Consultants (TIC)).

• The discounts above apply to the cost of the flights and exclude airport tax, insurance charges, tourism levies, courier costs and any other surcharges.

• Members will receive their travel itinerary and booking reference number via e-mail.

• Routes and destinations may change without prior notice.

• Children who qualify for the applicable discount will not be catered for by Airlink in the event they travel with a non-member adult.

• The member discount and/or ticket price are non-negotiable. Other travel agent pricing or Airlink specials will not be considered in conjunction with the member discount and/or ticket price.

5. How to use this benefit – booking a flight

• To make a reservation, log in to the Multiply website and navigate to Rewards > Travel. If you have any enquiries, you may contact the Multiply Travel Desk on 0861 100 155, or email them at [email protected] Operating hours: Monday-Friday 08:00-17:00.

• Bookings must be made within a minimum of 3 working days prior to the date of departure. Any bookings made after this point will not be guaranteed and immediate payment will be required to secure the booking.

• Members must provide their Multiply membership number and ID number when they make a booking.

• Flights prices are subject to change without prior notice.

• Multiply will email members their Airlink travel itinerary and booking reference number to them.

6. Paying for your flights

• Members can only pay with a valid MasterCard or Visa credit card.

• EFT via payment link.

7. General Multiply travel rules

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control.

• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate.

• The Multiply discounts are only available for certain routes and destinations, according to the specific code share agreements of Airlink.

• Members may contact the Multiply travel desk for the complete list of destinations and routes eligible for Multiply discounts.

• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.

• A booking fee of R25 will apply to all domestic flight bookings and a booking fee of R197 will apply to all international flight bookings.

• Bookings are refundable as per the Airlines rules and regulations. Multiply will not accept any name changes. Multiply will allow changes to future-dated flight bookings for Airlink, but it is subject to additional costs and penalties as applied by Airlink.

• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.

• Multiply will not be responsible in providing members with assistance with any other related travel documents. Members are advised to obtain all necessary documents prior to booking a flight.

8. Partner rules

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.

• For comprehensive partner terms and conditions, please click here.

9. Multiply Travel queries

• If members have any queries about Multiply travel arrangements or Multiply travel rules, they can contact the Multiply Travel Desk by:

• phoning: 0861 100 155, or

• sending an email to: [email protected].

10. Multiply benefit or points queries

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:

1. What is the benefit?

• Multiply members get discounts on reading material and start-up kits. 

2. Who may use this benefit?

• This benefit is available to all Multiply Premier and Multiply Starter members and their children as listed per the Multiply contract.

3. How this benefit works:

• Members receive the following discounts on products:
   

4. How to use this benefit:

• Members must visit aplusstudents.co.za to find a teacher (Sensei) closest to them by clicking on the Contact Us or the Enroll your Child button. 
• Members must call the sensei on the listed number and make a booking for the child or if they choose the enrol option, a sensei will contact them and advise on what the next steps are. 
• Download and complete the registration form available on the A+ Students website and give it to the sensei on the first appointment.
• At the first lesson, members will need to pay an up-front fee (after the Multiply discount) and their child can start the course.
• A+ Students will validate the members Multiply membership and if their child is a member on their Multiply contract. Member must present their ID number or Multiply client number to the sensei when making payment. 
• The monthly fees are paid to the sensei at the end of each month. 
• If the members child is ready for a new Soroban or books, then the sensei will inform the member and invoice them accordingly.
• The Multiply discount will also apply on these materials. 

5. Benefit rules:

• This benefit is only available for children aged between 2 and 11 years. 
• The benefit is only available to children as listed per the Multiply contract. This is validated at payment stage. 
• There are no limits on the number of children that can obtain the discounts for one Multiply member, as long as the children are dependents on the Multiply contract.
• The discount does not apply to the monthly course fees for the year.

6. Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is your responsibility to locate, read and make sure that you thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. You can consult the partner website and our client call centre. We will do our best to make sure that all the information about the partner rules and regulations included in our terms and conditions are correct, however, we cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit aplusstudents.co.za

7.A+ Students queries:

• If members have any queries about A+ Students they can contact their nearest sensei.

8. Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or 
• visiting: www.multiply.co.za

9. Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1. What is the benefit?

• Members get up to 40% discount on car rental from Avis.

 
2. Who may use this benefit?

• This benefit is available to all principal members and their spouses/partners on the Multiply Starter and Multiply Premier.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

 
3. How this benefit works:

• Members receive the following discounts based on their status/level:

4. Benefit rules:

• Car rental booked through Multiply is for leisure purposes only. 
• Only the Multiply principal member and their spouse/partner qualify for this benefit.
• Discount applies to the best available rate at the time of the booking. 
• Bookings must be for a minimum of three consecutive weekdays, or two consecutive weekend days. Avis weekend rules at the time of the booking will apply. 
• Members must book a minimum of 24 hours prior to vehicle collection.
• Multiply Premier members may not use this benefit for more than 40 days for each family member in one calendar year (January to December). After 40 days, members will receive a 7.5% discount for the rest of the year (unlimited).
• Avis Chauffeur Drive will count as one day per booking (requested through the AVIS website).
• Members must be over the age of 18 years to rent a vehicle, must have a valid credit card and an unendorsed drivers licence, valid for at least one year.
• Only the specified driver can collect the vehicle.
• The quoted rates exclude any additional service charges.
• A member can make a single booking of a maximum of 23 consecutive days at their Multiply status rate. A single booking of more than 23 consecutive days is recognised as a monthly booking and will be charged at the Avis retail rate.
• This benefit is only available in the Republic of South Africa.
• This benefit will only be available when booked directly through the AVIS website and excludes all other channels/aggregators/platforms.
   

5. What the daily rental includes and excludes:
 

• Inclusions and exclusions, subject to change without prior notice.
• If there are any additional costs, Avis will deduct it from your credit card.

6. How to use this benefit booking a rental car:

• There are two ways to book your discounted car rental:
• Online: Book directly through Avis at www.avis.co.za, or
• Through the Multiply Travel Desk. Contact us to assist with navigation by:
• phone: 0861 10 01 55, 
• e-mail: [email protected].
• Members must make their booking  a minimum of 24hours prior to the collection of their vehicle
• Members will need their Multiply client number and ID number when they make a booking.
• Booking are non-refundable.
• This benefit is subject to availability.
• Multiply will e-mail the Avis travel confirmation to the member.

7. When you collect your car:

• Collect the rental car from the Avis branch selected when the booking was made. Members must take along:
• ID document,
• valid unendorsed driver's licence,
• valid credit card (cash is not accepted),
• Multiply membership card, and
• Avis confirmation.
• Please note that only the specified driver can collect the vehicle.
   

8. Authorisation deposit:

• An authorisation deposit is the amount that Avis will hold on the credit card when they provide members with a specific vehicle for rental. For more information, visit www.avis.co.za. The authorisation deposit money is only reserved and not actually "taken" from the credit card account. However, this holder does reduce the amount of funds available to the credit card holder.
• Once the vehicle is returned and the rental is invoiced, Avis will debit the credit card for the additional charges only (e.g. any petrol fees or other amounts payable other than the actual rental, which is pre-paid via Multiply). They will then cancel the authorisation deposit
• It takes about five days for the funds to reflect as available in the credit card holder's account. 
• For weekend rentals, Avis takes a credit card authorisation for the estimated cost of the rental, plus the following additional weekend authorisation*: 
• Inland locations R5 000, and
• Coastal locations R2 000.
• The additional weekend authorisation will be waived on presentation of a valid airline boarding pass. This excludes Kaiser Matanzima Airport in Mthatha.

9. Paying for the rental vehicle:

• Members can only pay with a valid credit card. Avis accepts MasterCard, Visa, American Express and Diners Club.
• Members must have enough credit on your credit card for the authorisation deposit amount (visit www.avis.co.za for more information).
   

10. Changing or cancelling a booking:

• Alternations are to be done directly through AVIS.
• Members are liable for paying an administration if they change a booking.
• Avis standard rules for changes apply to Multiply bookings. Members do not get a discount on the cost charged for changing the booking.
• If the new price is higher than the original, members will have to pay the difference. If the new price is lower than the original, members will lose the difference.
• Members are allowed to cancel their booking, but Multiply will not refund the member, unless for reasons related to hospitalisation or death (subject to proof). If members cancel for other reasons, they will have to use their booking on another date. Please note that additional costs could be involved. 
• The Multiply discount does not apply to the extra costs when you cancel or make changes to a booking.
• Multiply Members are not allowed to transfer to Non-Multiply Members.
   

11. General Multiply travel rules:

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply's scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider's standard retail rate and not on the provider's special rate or the travel partner's special web fare rate.
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are non-refundable and Multiply will not accept any name changes. 
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.

 
12. Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member's responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.avis.co.za.

13. Avis queries:

• If members have any queries about Avis, they can contact them by:
• phoning: 0861 021 111, or
• visiting: www.avis.co.za.
   

14. Multiply Travel Desk queries:

• If members have any queries about Multiply travel arrangements made through the Multiply Travel Desk or Multiply travel rules, they can contact the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected].

15. Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za
   

16. Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

What is the benefit?

• Get up to 12% in cashbacks on your whole basket when you shop at Baby City.

Who may use this benefit?

• This benefit is available to all Multiply Premier and Multiply Starter members.
• This benefit is available to main members and their partners.

How this benefit works:

• Members earn cashbacks, based on their Multiply status and the items purchased at Baby City.

Premier

• Your cashbacks will be calculated on your daily spend and will be transferred into your Multiply Money savings wallet. You get cashbacks on the first R2 000 that you spend per month at Baby City, Dis-Chem and Clicks, as a family and single member. This is your combined spend limit for our health and beauty partners.

Example:

• If you are on Private Club status and spend R 2 000 a month at Baby City, you will get R240 in cashbacks. 

 
 Starter

• You get 2% cashbacks which is calculated on your daily spend and will be transferred monthly into your Multiply Money savings wallet. There is no spend limit for Starter members.​

Example:

• If you spend R1 500 a month at Baby City, you will get R30 in cashbacks. 

To activate the benefit:
 

This is the process you need to follow to earn cashbacks for your purchases at Baby City.

• Log in to multiply.co.za, go to Rewards > Partner Rewards > Dis-Chem and click on Apply now, or
• Log in to the Momentum Multiply App, go to Cards > Multiply/ Dis-Chem co-branded card and click on Apply now or,
• Call us on 0861 88 66 00.
• Once the benefit has been applied for, collect your Multiply/Dis-Chem co-branded card from any Dis-Chem store nationwide or register on the Dis-Chem website or app to get a digital Multiply/Dis-Chem co-branded card.

Using the benefit:

• To get cashbacks, swipe your Multiply/Dis-Chem co-branded card before you pay at any Baby City store.  
• Pay for your goods.
• Your cashbacks are paid into your Multiply Money savings wallet within 7 days.
• View the cashbacks that have been paid into your Multiply Money savings wallet on multiply.co.za.
• This benefit is available to main members and partners on Multiply Premier.
• Cashbacks will be awarded based on your Multiply status and will be awarded on qualifying products at Baby City. 
• Multiply reserves the right at any time to exempt certain products from earning cashbacks at its discretion.
• At Baby City, items excluded from earning cashbacks include, but are not limited to, as prohibited by legislation: 
  • Baby formulas and feeding bottles, teats, and feeding cups with spouts, straws or teats (as prohibited by legislation in the Republic of South Africa);
  • WiCode payments, gift card and benefit card redemptions;
  • plastic bags; and
  • prescription medication

 
Standard Baby City Ts & Cs are contained in the Dis-Chem Ts & Cs.
Click here for Multiply Ts & Cs.

4.How to use this benefit

• Download and open the Momentum Multiply app.
• Navigate to Member details on the left menu.
• Expand the Member details which shows your ID number, client number and member/s linked to your Momentum Multiply membership.
• Present this Membership details screen at the Bidvest Lounge front desk in order to gain access to the lounge at the discounted rate.

5.Paying for your lounge visit

• Members can only pay with a valid MasterCard or Visa credit card.

6.Partner rules

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of these partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do its best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.bidvestlounge.co.za.​

7.​​Bidvest Premier Lounge queries

• If members have any queries about lounge facilities, services or access, they can contact Bidvest Premier Lounge by:
• phoning: 086 124 3247, or
• visiting: www.bidvestlounge.co.za.
   

8.Multiply benefit or points queries

• ​If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• ending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.

9.Ending the benefit

• Members will no longer have access to this benefit if their Multiply membership is cancelled. 

1.  What is the benefit?  

• Starter members get 7,5% in cashbacks on all regular-priced items only, both in-store and online. 
• Multiply Premier members get 10% in cashbacks on all regular-priced items only, both in-store and online.

2.  Who may use this benefit?  

• The benefit is available to Multiply Premier and Starter members.  
• The benefit is available to main members and partners.  

3.  How to use this benefit 

Online process

• Visit the Bidvest Waltons website at Waltons.co.za or backtoschool.co.za.
• Set up a profile
• Select the products you want to buy. 
• Add you ID number on the checkout page to validate your membership for your cashbacks.    
• Multiply Premier members get 10% in cashbacks on all regular-priced items and Multiply Starter members get 7,5% in cashbacks on all regular-priced items.    

In-store process

• Go into any Bidvest Waltons store, browse and shop for the item/s you want.
• Let the cashier know you’re a Momentum Multiply member.
• Show them your ID, or passport if you’re a foreign national, as proof of identity.
• The cashier will enter your details and confirm your membership.
• Multiply Premier members get 10% in cashbacks on all regular-priced items and Multiply Starter members get 7,5% in cashbacks on all regular-priced items.    

   
4.    Benefit rules:  

• This benefit is only available to the main member or partner on Multiply Premier, or main member on the Multiply Starter contract.   
• Momentum Multiply members are not allowed to transfer the benefit to non-Multiply members.   
• All products must be purchased and paid for on the Bidvest Waltons website or at the point-of-sale in-store.   
• Your cashbacks will apply to all regular-priced products only, both in-store and online.   
• Cashbacks cannot be used in conjunction with any other applicable discounts. 
• Discounts apply to cash transactions only. Account transactions do not qualify for Multiply discounts.  
• There is no annual spend limit applied to this benefit.   
• You will no longer have access to this benefit if you cancel your Multiply membership.   
• Please contact Momentum Multiply if your cashbacks are not applied correctly.   

   
5.    Multiply benefit or points queries  

If you have any queries about this Multiply benefit or points, you can contact Multiply by  

phoning 0861 88 66 00, sending an email to [email protected] or visiting multiply.co.za.   

Bidvest Waltons Ts & Cs: backtoschool.co.za/terms and waltons.co.za/terms

Multiply Money deposit competition: Terms and conditions

1.The promoter of this competition is Momentum Multiply (Pty) Ltd, t/a Multiply Money.

2.To qualify for the competition the entrant must be:
a.a South African citizen or a permanent resident of the Republic of South Africa; and
b.a Multiply Money benefit holder with an active account.

3.Momentum Metropolitan Holdings staff may enter.

4.The competition is open from Monday, 17 May 2021 to Saturday, 31 July 2021.

5.The prize:
a.10 X R10 000 paid into the Multiply Money savings wallet of 10 winners.

6.The following actions will automatically enter members into the lucky draw to stand a chance to win 1 of the 10 prizes:
a.Entrants must make a Multiply Money deposit/EFT of R250 or more into their Multiply Money wallet between 17 May to 31 July 2021. This action will automatically enter them into the lucky draw to stand a chance to win the prize. Each unique deposit of R250 is an entry.
b.Making a deposit of R2 500 into your Multiply Money wallet counts as 10 entries into the draw. 
c.Making a deposit of R1 000 into your Multiply Money wallet counts as 4 entries into the draw.
d.Making a deposit of R250 will get you 1 entry into the draw.
e.No entries will be accepted after 23:59 on Saturday, 31 July 2021.

7.A Multiply Money deposit is where an electronically transferred deposit is received into your Multiply Money payment wallet from accounts held with other banking institutions in South Africa, also commonly known as an EFT (electronic funds transfer).

8.Multiply cashbacks does not qualify as a deposit or entry. A cashback is a percentage of the amount you spend given back to you when you shop at our cashback partners. These rand value of cashbacks is transferred directly into your Multiply Money savings wallet. 

9.There is no time period in which the deposited money has to stay in your Multiply Money wallet; it can be deposited and thereafter used at any time using your Multiply Money card, by making mobile payments at selected retailers, for Multiply online shop purchases and by sending money to another Multiply member with a Multiply Money payment wallet.

10.You cannot transfer your money in Multiply Money to your bank account or any other savings account. Multiply Money is not yet set up for payments to other banks using the EFT (electronic funds transfer) functionality. This may become available in future as Multiply Money evolves. 

11.You cannot withdraw your money from an ATM.

12.Winners will be drawn by an independent verification agent at random selection from all eligible entries on Monday, 9 August 2021. 
a.10 winners will be drawn from the entire qualifying set for each R10 000 prize.
b.If your name is drawn for a prize, it will be removed from the qualifying set for any subsequent entries. 
c.You can only win 1 prize and will not be eligible for another entry in the same competition.

13.By entering, you agree to abide by the following terms and conditions of this competition:
a.You must be 18 years or older.
b.This prize is non-transferable and cannot be exchanged for cash or any other item.
c.If, for any reason, Momentum Multiply cannot provide the prize, Momentum Multiply will award an alternative prize of a similar value.

14.Notification and delivery of prizes:
a.The winners’ contact details will be obtained from the entries received.
b.The winners will be informed telephonically or via email within 2 working days after their name has been drawn, that they have won the prize.
c.If winners cannot be contacted after 3 attempts over 3 working days then another draw will take place.

15.Winners will then be announced on the following platforms: Facebook.com/MultiplyRSA, twitter.com/MultiplyRSA and Instagram.com/MultiplyRSA.

16.Entrants are not limited to 1 entry.

17.A copy of these terms and conditions will be available on the official Momentum Multiply website from Monday, 17 May 2021 to Saturday, 31 July 2021.

18.If required by legislation or regulation or for whatever other reason, the promoter reserves the right to terminate this competition immediately and without prior notice. In the event of such termination, all entrants/participants agree to waive any rights that they may have in terms of this competition and acknowledge that they will have no recourse against the promoter, its agents or its employees.

19.In the event of a dispute on any aspect of this competition or the terms and conditions hereof, the decision of the promoter will be final and binding on all aspects of this promotional competition and no correspondence will be entered into.

20.Any violation, minor transgression, and any attempt or whatever may be deemed to be of the same value by the promoter will automatically result in disqualification.

Netflorist Competition - Terms and Conditions

1. The promoter of this competition is Momentum Multiply (Pty) Ltd.

2. To qualify for the competition the entrant must:
a. Be a South African citizen or a permanent resident in the Republic of South Africa and 
b. Be Momentum Multiply member or Partner.

3. The prize:
a. Win 1 of 10 Netflorist vouchers to the value of R250 each.

4. How to enter:
a. Entrant must make a purchase from Netflorist on www.netflorist.co.za during the duration of the competition between 15 April 2021 and 30 April 2021. This earns them an automatic entry into the competition, where they stand a chance to win 1 of 10 Netflorist vouchers to the value of R250 each.  

5. Competition is open for this period Thursday, 15 April 2021 to Friday, 30 April 2021.  

6. Winners will be drawn from all eligible entries by Thursday, 6 May 2021.  

7. By entering the entrants agree to abide by the following terms and conditions of this competition:
a. The entrant must be 18 years or older.
b. This prize is non-transferable and cannot be exchanged for cash or any other item.
c. If, for any reason, Momentum Multiply cannot provide the prize, Momentum Multiply will award an alternative prize of a similar value.
d. Entrants have to be a Multiply member (including Partners) to enter.
e. Momentum Metropolitan Holdings staff that are Multiply (Starter, Provider or Premier) members may enter.

8. No entries will be accepted after 23:59 on Friday, 30 April 2021.  

9. The winner will be drawn by an independent verification agent with no affiliation or relation to the prize given.

10. Notification and delivery of prizes:
a.The winner’s contact details will be obtained from the entries received.
b.The winner will be informed telephonically or via email within 2 working days after his/her name has been drawn, that he/she has won the prize.
c. If winners cannot be contacted after 3 attempts over 3 working days then another draw will take place.

11. Winners will then be announced on the following platforms: Facebook.com/MultiplyRSA, twitter.com/MultiplyRSA & Instagram.com/MultiplyRSA 

12. Entrants are not limited to one entry.

13. A copy of these terms and conditions will be available on the official Momentum Multiply website from 15 April 2021 until 30 April 2021. 

14. If required by legislation or regulation or for whatever other reason, the promoter reserves the right to terminate this competition immediately and without prior notice. In the event of such termination, all entrants/participants agree to waive any rights that they may have in terms of this competition and acknowledge that they will have no recourse against the promoter, its agents or its employees.

15. In the event of a dispute on any aspect of this competition or the terms and conditions hereof, the decision of the promoter will be final and binding on all aspects of this promotional competition and no correspondence will be entered into.

16. Any violation, minor transgression and any attempt or whatever may be deemed to be of the same value by the promoter will automatically result in disqualification. 

aha Hotels & Lodges competition: Terms and conditions

1.    What is the competition?
Momentum Multiply members who book accommodation at aha Hotels & Lodges through the Multiply Travel Desk between 5 November and 30 November 2020 stand a chance to win a 2-night stay for two at Thakadu River Camp in the Madikwe Game Reserve.

2.    To qualify for the competition the entrant must be:
•    A South African citizen or a permanent resident in the Republic of South Africa.
•    A Momentum Multiply member or partner.
The competition is available to Multiply Starter and Premier members.

3.    How this competition works:
When a member books accommodation at aha Hotels & Lodges through the Multiply Travel Desk, they will be entered into a random draw to win the following prize:
•    A 2-night stay for two at Thakadu River Camp in the Madikwe Game Reserve.

4.    Competition rules:
•    This competition will run from 5 November 2020 to 30 November 2020.
•    The entrant must be 18 years old or older.
•    This prize is non-transferable and cannot be exchanged for cash or any other item.
•    If, for any reason, Momentum Multiply cannot provide the prize, Momentum Multiply will award an alternative prize of a similar value.
•    The prize is valid for a period of six months from date of issue.
•    Standard terms and conditions associated with the use of the Momentum Multiply benefit and aha Hotels & Lodges apply. Read the Multiply terms and conditions here and the aha Hotels & Lodges terms and conditions here.
•    No entries will be accepted after 30 November 2020 at 23:00.
•    Entrants are not limited to one entry.
•    Travel voucher terms:
- The following will be included: two nights’ accommodation for two, three meals, tea or coffee and snacks, and two game drives per day.
- Charges for all other services (including beverages, conservation levies and bed levies) provided by the lodge will be charged for as usual and will be for a member’s own account and payable on departure. Transport arrangements and costs are not included in this prize.
- The voucher is valid for six months from the date of issue and is subject to the availability of rooms at the time of making the reservation. It is not valid during peak periods. The prize is not transferable to a third party and may not be exchanged in part or in whole for cash or any other service provided by the lodge.

5.    Momentum Multiply competition queries:
•    If a member has any queries about this competition, they can call Multiply at 0861 88 66 00, send an email to [email protected], or visit www.multiply.co.za.

6. Ending membership

• Members will no longer have access or be eligible for this competition if their Momentum Multiply membership is cancelled.

• The winner will be drawn by an independent verification agent with no affiliation or relation to the prize given.
• If required by legislation or regulation or for whatever other reason, the promoter reserves the right to terminate this competition immediately and without prior notice. In the event of such termination, all entrants/participants agree to waive any rights that they may have in terms of this competition and acknowledge that they will have no recourse against the promoter, agents or its employees.
• In the event of a dispute on any aspect of this competition or the terms and conditions hereof, the decision of the promoter will be final and binding on all aspects of this promotional competition and no correspondence will be entered into.
• Any violation, minor transgression and any attempt or whatever may be deemed to be of the same value by the promoter will automatically result in disqualification. 

New Balance Campaign/Competition

1. The promoter of this competition is Momentum Multiply (Pty) Ltd

2. To qualify for the competition the entrant must:
a. Be a South African citizen or a permanent resident in the Republic of South Africa and
b. Be Momentum Multiply member or Partner.

3. The prize:
a. New Balance apparel to the value of R10 000.

4. How to enter:
a. Entrant must purchase New Balance Fuelcell footwear over the period 15 October – 13 November 2020. This action will automatically enter them into the lucky draw to stand a chance to win the prize.

5. Competition is open for this period Thursday, 15 October 2020 – Friday, 13 November 2020.

6. Winners will be drawn by an independent verification agent at random selection from all eligible entries on Monday, 16 November 2020.

7. By entering the entrants agree to abide by the following terms and conditions of this competition:
a. The entrant must be 18 years or older.
b. This prize is non-transferable and cannot be exchanged for cash or any other item.
c. If, for any reason, Momentum Multiply cannot provide the prize, Momentum Multiply will award an alternative prize of a similar value.
d. Entrants have to be Multiply member (including Partners) to enter.
e. Momentum Metropolitan Holdings staff that are Multiply (Starter or Premier) members may enter.
8. No entries will be accepted after 23:59 on Friday, 13 November 2020.

9. Notification and delivery of prizes:
a.The winners contact details will be obtained from the entries received.
b.The winners will be informed telephonically or via email within 2 working days after his/her name has been drawn, that he/she has won the prize.
c. If winners cannot be contacted after 3 attempts over 3 working days then another draw will take place.
10. Winners will then be announced on the following platforms: Facebook.com/MultiplyRSA, twitter.com/MultiplyRSA & Instagram.com/MultiplyRSA

11. Entrants are not limited to one entry.

12. A copy of these terms and conditions will be available on the official Momentum Multiply website from 15 October 2020 until 13 November 2020.

13. If required by legislation or regulation or for whatever other reason, the promoter reserves the right to terminate this competition immediately and without prior notice. In the event of such termination, all entrants/participants agree to waive any rights that they may have in terms of this competition and acknowledge that they will have no recourse against the promoter , its agents or it employees.

14. In the event of a dispute on any aspect of this competition or the terms and conditions hereof, the decision of the promoter will be final and binding on all aspects of this promotional competition and no correspondence will be entered into.

15. Any violation, minor transgression and any attempt or whatever may be deemed to be of the same value by the promoter will automatically result in disqualification.

Multiply Money Deposit Competition.

1. Multiply will give you a percentage of your spend in cashbacks when you shop at one of our cashback partners. You’ll get your cashbacks once we confirm your purchase.  
2. Cashbacks will be transferred into your Multiply Money savings wallet, where you can save your money and earn interest.   
3. To use your cashbacks, transfer it to your Multiply Money payment wallet using the Multiply Money app or by logging in to multiply.co.za. 

• You will get cashbacks on your total qualifying spend at Pick n Pay when you’ve activated this benefit. Log in to multiply.co.za or the Momentum Multiply app to activate the benefit, then use your Smart Shopper card when you buy qualifying products in-store, online or on the Pick n Pay asap! app.  
• At Pick n Pay, items excluded from earning cashbacks from Multiply include, but are not limited to (as prohibited by legislation):  
  • Fuel
  • Tobacco and tobacco-related products
  • Pick n Pay gift cards and top-ups
  • Wallet top-ups
  • Money transfers
  • Prescription medicine and pharmaceutical goods
  • Baby formula (0 to 36 months)
  • Third party services and payments which include, but are not limited to electricity, USA Visa tokens, Axxess ADSL tokens, Hollard Insurance, U-Kash, SAA Cycle voucher, Austrian Visa tokens, Just Surf, Retail Bonds, all lottery tickets, transactions through SAA, bus tickets, MultiChoice, traffic fines, Splashout Mall Cards and pension payments.  

5. You will get cashbacks on your total qualifying spend at Dis-Chem when you’ve activated this benefit. Log in to multiply.co.za or the Momentum Multiply app to apply for the benefit, then swipe your Multiply/Dis-Chem co-branded card when you buy qualifying products in-store. 

• At Dis-Chem, items excluded from earning cashbacks include, but are not limited to, as prohibited by legislation:  
  • Prescription medicine and pharmaceutical goods
  • Plastic bags
  • Redemption of vouchers or gift cards or loyalty cards
  • Baby formula (0-36 months)

6. You’ll get cashbacks on your total qualifying spend at Clicks when you’ve activated this benefit. Log in to multiply.co.za or the Momentum Multiply app to apply for the benefit, then swipe your Clicks ClubCard when you buy qualifying products in-store. 

• At Clicks, items excluded from earning cashbacks include, but are not limited to, as prohibited by legislation:
  • any gift cards and top-ups
  • medicine and pharmaceutical goods
  • baby or nutritional formula
  • baby bottles, teats and feeding products
  • third party services and payments

7. If any of our cashback partners make changes to the list of excluded items, these changes will automatically form part of the items that do not qualify for cashbacks.  
8. You’ll get cashbacks when you buy a Woolworths gift card on the Multiply online shop. Log in to the Multiply online shop and buy a Woolworths gift card in the amount of your choice. You will receive a voucher code SMS within two hours. Redeem your gift card in store or online at Woolworths. This is a cashbacks-only benefit so your cashbacks are automatically paid into your Multiply Money savings wallet when you buy the gift card.
9. The percentage of cashbacks you earn depends on your Multiply status and on the cashback partner. Visit multiply.co.za for more information on the cashbacks you can earn at each partner.  
10. Spend limits for the Multiply online shop will apply. Pick n Pay has its own spend limit and Dis-Chem and Clicks have a combined spend limit. Read more about Pick n Pay, Dis-Chem and Clicks Multiply on Terms and conditions. 
11. Cashbacks earned for your qualifying purchases at Dis-Chem, Clicks and Pick n Pay will be transferred into your Multiply Money savings wallet within seven days of your purchase. 
12. Cashbacks earned on the Multiply online shop will be transferred into your Multiply Money savings wallet within 24 hours of your purchase. 
13. If you return a purchase from the Multiply online shop that earned cashbacks, we will refund you the amount of the item in Multiply online shop credit minus the cashbacks you earned. The cashbacks you earned will remain in your Multiply Money savings wallet. 
14. If you return a purchase that earned cashbacks from a retail store, we reserve the right to deduct the cashbacks you earned on that purchase from your Multiply Money savings wallet. 
15. If cashbacks were incorrectly allocated to you, we reserve the right to reclaim the cashbacks that were paid to you. 
16. You can view the cashbacks you have earned on your monthly Multiply Money statement or contact Multiply Money on 086 011 1183 or [email protected]. 
17. If your Multiply Money benefit has not yet been created, you must immediately contact the Multiply Money contact centre on 086 011 1183 or [email protected] so that your Multiply Money savings wallet can be created and cashbacks can be allocated to you. 
18. If your Multiply membership is suspended or cancelled, for whatever reason, cashbacks will not be allocated to you. 
19. Multiply reserves the right to at any time exempt certain products from earning cashbacks at our sole discretion. 
20. Cashback partners are subject to change at any time, without notice. 
21. All cashback bonus specials, over and above the normal cashbacks benefit, are subject to availability and cannot be guaranteed. 
22. All terms and conditions relating to each individual cashback partner apply. 
23. If you have not received your Multiply cashbacks after seven days, please send the details of your query with a copy of your till slip to [email protected] for this to be investigated. 

1.What is the benefit ?

• Members get up to 45% discount on accommodation at City Lodge hotels.

2.Who may use this benefit?

• This benefit is available to all Multiply Premier members.
• This benefit is not available to Multiply Starter members. 
• Multiply Members are not allowed to transfer to Non-Multiply Members.

 
3.How this benefit works

• Members receive the following discount on accommodation at City Lodge hotels, based on their Multiply status/level:
   

4.Benefit rules

• Hotel accommodation booked through Multiply is for leisure purposes only. 
• Multiply Premier members may not use this reward for more than 40 days per family in one calendar year (January to December), thereafter a 10% discount applies.  
• These discounts apply to the best available single or double (as applicable) room rate prevailing at the time of reservation, and may therefore fluctuate depending on availability and season. 
• The discounts do not apply to any specials or promotional rates offered by the respective hotels.
• The discounted single or double room rates may include or exclude breakfast, depending on the hotel.
• The room rate does not include any additional expenses, such as extra meals, phone calls, room service, drinks, laundry service, tourism levies, parking fees and other surcharges.
• Bookings are non-refundable and we will not accept any changes.
• Multiply members with a single membership can only book a single room.  For any additional guests, the hotel will charge members directly.
• Multiply members with family memberships can book a double room, with a maximum of two adults per room. The hotel reserves the right to charge an additional fee for an extra adult sharing the room, which is payable to the hotel. 
• Cancellations are allowed by calling the Multiply Travel Desk on 0861 100 155 72hrs before check-in date.
• Refunds are allowed if the cancellation is done 72hrs before check-in, a death certificate or a Dr’s note confirming hospitalization is produced.  Please call the Multiply Travel Desk on:0861 100 155.
• Bookings must be made a minimum of 3 working days prior to arrival, for all Road Lodge hotels.

 
5.How use this benefit – booking accommodation

• To make a reservation, log in to the Multiply website and navigate to Rewards > Travel. If you have any enquiries, you may contact the Multiply Travel Desk on 0861 100 155, or email them at [email protected] Operating hours: Monday-Friday 08:00-17:00.
• Member will need their Multiply client number and ID number when they make a booking.
• The room rate may or may not include breakfast. 
• Members must check whether they are making a booking for a standard room, family room or suite.
• Give the number of adults for each room.
• If a member has children, they must check whether the room and hotel can accommodate children.
• For a full list of City Lodge Hotels, visit www.clhg.com.
• Multiply will e-mail the City Lodge Hotels voucher to the member.

 
6.Paying for your accommodation

• Members can only pay with a valid MasterCard or Visa credit card.
• EFT via payment link.

 
7.Changing or cancelling a booking

• Members are liable for paying an administration fee if they change their booking.
• City Lodge Hotels’ standard rules for changes apply to Multiply bookings. Members do not get a discount on the cost charged for changing their booking.
• If the new price is higher than the original, members will have to pay the difference. If the new price is lower than the original, members will lose the difference.
• Members are allowed to cancel their bookings, but Multiply will not refund members, unless for reasons related to hospitalisation or death (subject to proof). If members cancel for other reasons, they will have to use their booking on another date. Please note that additional costs could be involved.
• A changed booking must be used within 3 months of the original booking date.
• The Multiply discount does not apply to the extra costs when cancelling or make changes to a booking.

Note:Multiply Members are not allowed to transfer to Non-Multiply Members.
 
8.General Multiply travel rules

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate.
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are non-refundable and Multiply will not accept any name changes. 
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.

 
9.Partner rules

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.clhg.com

 
10.City Lodge Hotels queries

• If members have any queries about City Lodge, they can contact them by:
• phoning:  0861 563 437, or
• visiting: www.clhg.com.

 
11.Multiply Travel Desk queries

• If members have any queries about Multiply travel arrangements made through the Multiply Travel Desk or Multiply travel rules, they can contact the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected].

 
12.Multiply benefit or points queries

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.

 
13.Ending the benefit

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

What is the benefit ?

• From self-care to meal prep; from road trips to movie nights, there’s a reward for that. Get cashbacks when you shop at Clicks with Momentum Multiply, plus double Clicks ClubCard points, up to the maximum allowed.

Who may use this benefit?

• This benefit is available to Multiply Premier members who also belong to the Clicks ClubCard programme.
• This benefit is available to main members and their partners.

How this benefit works:

• Members earn cashbacks, based on their Multiply status on qualifying items purchased at Clicks.

Premier

• Your cashbacks will be calculated on your daily spend and will be transferred into your Multiply Money savings wallet. You get cashbacks on the first R2 200 that you spend per month at Clicks and Dis-Chem, as a family and single member. This is your combined spend limit for our health and beauty partners.

• You will also get double Clicks ClubCard points, up to the maximum allowed. 

Example:

• If you are on Private Club status and spend R2 200 a month at Clicks, you will get R220 in cashbacks.

 
 Starter

• This benefit is not applicable to Starter members. Upgrade to Multiply Premier to start enjoying Clicks rewards. 

How do I get it?

You will need to belong to Momentum Multiply and Clicks ClubCard to qualify and you need to activate the benefit to earn cashbacks.

• To activate the benefit:
  • Log in to multiply.co.za and navigate to the Clicks activation page.
  • Enter your Clicks ClubCard number.
  • Your details will be verified and successful activation will be confirmed on the website.

Using the benefit:

• To get cashbacks, simply swipe your Clicks ClubCard before you pay. 
• Pay for your goods.
• Your cashbacks are paid into your Multiply Money savings wallet within 7 days.
• View your cashbacks statement on multiply.co.za.
• This benefit is available to main members and their partners on Multiply Premier.
• Cashbacks will be awarded based on your Multiply status.
• You will also automatically get double Clicks ClubCard points on your purchases. This will be calculated on your qualifying spend and will be included in your Clicks points balance. These points are converted to Clicks cashback in a two month cycle.
• Multiply reserves the right at any time to exempt certain products from earning cashbacks at its own discretion.
• Cashbacks can only be earned for purchases made at Clicks stores and not at any of their affiliated partners.
• At Clicks, items excluded from earning cashbacks include, but are not limited to and as prohibited by legislation:
  • Any gift cards and top-ups;
  • Medicine and pharmaceutical goods;
  • baby or nutritional formula;
  • baby bottles, teats and feeding products;
  • third party services and payments.

Standard Clicks Ts & Cs apply.

1.What is the benefit?

• Members get a flat 20% off on a range of world-leading blood and stem storage facilities, provided by Cryo-Save. The services applicable to this benefit are the following:
• Processing;
• Viability testing;
• Maternal blood tests.

• This benefit Multiply Premier and Multiply Starter members are eligible to receive a flat 20% off Cryo-Save services.

• Members may access the benefit by visiting the Cryo-Save website and completing an application www.cryo-save.co.za;
• Members will be required to input their Multiply member number or ID in order for discounts to apply to the chosen services;
• The discount will apply to the purchase price, thereafter members will be required to complete payment. 

• The benefit is available to the principal and partner on Multiply Premier and Multiply Starter.
• The standard Cryo-Save terms and conditions apply.
• The maximum discount available is 20%.

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

What You Get:

Premier:

• Policy holder and partner qualify for a fixed discount of 25% off their monthly gym membership fees on a 12 month contract with a R400 activation fee.
• Additional benefits: 
• No minimum gym visits are required, i.e. your discount will no longer be calculated according to the number of times you attended gym.
   

Active  Dayz™:

• Every gym session will earn you one Active Day.

Rewards:

• Active  Dayz™  together  with  your  Healthy  Heart  Score  and  status  on  Multiply  Premier  will earn you  these  financial  rewards  if  you  have Multiply Premier and the relevant  Momentum products: 
• Up to R3 000 per month back in HealthReturns when  you have Momentum Medical Scheme;
• Up to 60% off your life insurance premiums with Momentum Myriad;
• Up to 60% back in EmployeeReturns when you have Momentum FundsAtWork.

Starter:

• Policy holder and partner qualify for a fixed discount of 15% off their monthly gym membership fees on a 12 month contract with a R400 activation fee.
• Additional benefits: 
• No minimum gym visits are required, i.e. your discount will no longer be calculated according to the number of times you attended gym.
   

How to get it:

• You must take your Smart ID card or green bar-coded ID and Multiply membership card to the Curves health club of your choice. 
• When you apply with Curves please note that you will be asked to: 
• Complete and application form;
•  Provide Curves with your banking details for their direct collection of your monthly gym debit order;
• Note that Curves will collect your monthly debit order on the first of every month. Should you have joined Curves in the middle of a previous month the next month’s premium will include the additional first month’s pro-rated premium.
   

Using the benefit:

• The benefit is based on the standard 12 or 24 month membership contract, which varies by club type and does not apply to any membership specials that Curves may run. 
• Standard Curves Ts & Cs apply

What is the benefit ?

• Nutritional and fitness products are as important to healthy living as staying active and eating well. With this great benefit, you enjoy up to 12% in cashbacks when you shop at Dis-Chem. You can also do your health assessment at Dis-Chem to get your Healthy Heart Score.

Who may use this benefit?

• This benefit is available to all Multiply Premier and Multiply Starter members.
• This benefit is available to principal members and their spouses/partners.

How this benefit works:

• Members earn cashbacks, based on their Multiply status/level and the items purchased at Dis-Chem.

Premier

• Your cashbacks will be calculated on your daily spend and will be transferred into your Multiply Money savings wallet. You get cashbacks on the first R2 200 that you spend per month at Clicks and Dis-Chem, as a family and single member. This is your combined spend limit for our health and beauty partners.

Example:

• If you are on Private Club status and spend R2 200 a month at Dis-Chem, you will get R264 in cashbacks. 

 
 Starter

• You get 2% cashbacks which is calculated on your daily spend and will be transferred monthly into your Multiply Money savings wallet. There is no spend limit for Starter members.​

Example:

• If you spend R1 500 a month at Dis-Chem, you will get R30 in cashbacks. 

To activate the benefit:
This is the process you need to follow to earn cashbacks for your purchases at Dis-Chem.

• Log in to multiply.co.za, go to Rewards > Partner Rewards > Dis-Chem and click on Apply now, or
• Log in to the Momentum Multiply App, go to Cards > Multiply/ Dis-Chem co-branded card and click on Apply now or,
• Call us on 0861 88 66 00.
• Once the benefit has been applied for, collect your Multiply/Dis-Chem co-branded card from any Dis-Chem store nationwide or register on the Dis-Chem website or app to get a digital Multiply/Dis-Chem co-branded card. The digital card can be used for both in-store and online shopping.

Using the benefit:

• To get cashbacks, swipe your Multiply/Dis-Chem co-branded card before you pay.  
• Pay for your goods.
• Your cashbacks are paid into your Multiply Money savings wallet within 7 days.
• View the cashbacks that have been paid into your Multiply Money savings wallet on multiply.co.za.
• This benefit is available to main members and partners on Multiply Premier.
• You will also automatically get Dis-Chem points on your purchases when swiping your Multiply/Dis-Chem co-branded card.
• Cashbacks will be awarded based on your Multiply status and will be awarded on qualifying products at Dis-Chem. 
• Multiply reserves the right at any time to exempt certain products from earning cashbacks at its discretion.
• At Dis-Chem, items excluded from earning cashbacks include, but are not limited to, as prohibited by legislation: 
  • Baby formulas and feeding bottles, teats, and feeding cups with spouts, straws or teats (as prohibited by legislation in the Republic of South Africa);
  • WiCode payments, gift card and loyalty card redemptions;
  • plastic bags; and
  • prescription medication

 
Standard Dis-Chem Ts & Cs apply.
Click here for Multiply Ts & Cs.

1. What is the benefit? 

Multiply Premier, Starter and Momentum Medical Scheme members get 20% off their whole basket.  

2. Who can use this benefit?  

The benefit is available to main members and partners on Multiply Premier, Starter and Health Products.  

3. How to use this benefit:  

• Visit the DNAlysis website at http://www.dnalysis.co.za/
• Select your tests. 
• Add you ID number on the checkout page to validate membership for your cashbacks.    

4.   Benefit rules:  

• This benefit is only available to the main members and partners on Multiply Premier and Starter members.
• Multiply members are not allowed to transfer the benefit to non-Multiply members.   
• All products must be purchased and paid for on the DNAlysis website.   
• Your cashbacks will apply to all regular-priced tests.   
• The Multiply cashbacks cannot be used in conjunction with any other applicable discounts.   
• No annual spend limit is applied to this benefit.   
• You will no longer have access to this benefit if you cancel your Multiply membership.   
• Please contact Multiply if your cashbacks are not applied correctly.   

5. Multiply benefit or points queries  

If you have any queries about this Momentum Multiply benefit or points, call us on 0861 88 66 00, send an email to [email protected] or visit multiply.co.za.   
 

Positioning

Knowledge is power. Take a preventive approach to your health and get 20% in cashbacks when you do any of the tests provided by DNAlysis. Choose from a range of tests from DNA diet to ancestry screening.

Who can benefit?

• This benefit is available to all Multiply Premier and Starter members.

Multiply Members are not allowed to transfer to Non-Multiply Members.

• Members get up to 30%
• Starter – up to 20%
• Premier- up to 30%

Benefit rules

• Hotel accommodation booked through Multiply is for leisure purposes only. 
• Multiply Premier members may not use this reward for more than 40 days per family in one calendar year (January to December. 
• Multiply Starter members may not use this reward for more than 20 days per family in one calendar year (January to December.  
• These discounts apply to the best available single or double (as applicable) room rate prevailing at the time of reservation, and may therefore fluctuate depending on availability and season. 
• The discounts do not apply to any specials or promotional rates offered by the respective hotels.
• The discounted single or double room rates may include or exclude breakfast, depending on the hotel.
• The room rate does not include any additional expenses, such as extra meals, phone calls, room service, drinks, laundry service, tourism levies, parking fees and other surcharges.
• Bookings are non-refundable and we will not accept any changes.
• Multiply members with a single membership can only book a single room.  For any additional guests, the hotel will charge members directly.
• Multiply members with family memberships can book a double room, with a maximum of two adults per room. The hotel reserves the right to charge an additional fee for an extra adult sharing the room, which is payable to the hotel. Children - the age limit will be determined by each hotel and/or resort. Not by Multiply or Dream Hotels and Resorts.                                                                                                                                                                   
• Cancellations are allowed by calling the Multiply Travel Desk on 0861 100 155 72hrs before check-in date.
• Refunds are allowed if the cancellation is done 72hrs before check-in, a death certificate or a Dr’s note confirming hospitalization is produced.  Please call the Multiply Travel Desk on 0861 100 155. 

How use this benefit – booking accommodation

• Members must book through the Multiply Travel Desk at least three days before need the accommodation, by:
• phoning 0861 100 155,
• sending an e-mail to [email protected].
• Member will need their Multiply client number and ID number when they make a booking.
• The room rate may or may not include breakfast. 
• Members must check whether they are making a booking for a standard room, family room or suite.
• Give the number of adults for each room.
• If a member has children, they must check whether the room and hotel can accommodate children.
• For a full list of Dreams Hotels and Resorts, visit https://www.dreamresorts.co.za/wp-content/uploads/2018/07/DHR301117_TRADE-BROCHURE-LR-spreads.pdf
• Multiply will e-mail the Dreams vouchers and confirmation  to the member.

Paying for your accommodation

• Members can only pay with a valid MasterCard or Visa credit card.
• EFT via payment link.

Changing or cancelling a booking

• Members are liable for paying an administration fee if they change their booking.
• Dream Hotels and Resorts  changes apply to Multiply bookings. Members do not get a discount on the cost charged for changing their booking.
• If the new price is higher than the original, members will have to pay the difference. If the new price is lower than the original, members will lose the difference.
• Members are allowed to cancel their bookings, but Multiply will not refund members, unless for reasons related to hospitalisation or death (subject to proof). If members cancel for other reasons, they will have to use their booking on another date. Please note that additional costs could be involved.
• A changed booking must be used within 3 months of the original booking date.
• The Multiply discount does not apply to the extra costs when cancelling or make changes to a booking.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

General Multiply travel rules

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate.
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are non-refundable and Multiply will not accept any name changes. 
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.

Partner rules

Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
For comprehensive partner terms and conditions, please visit www.dreamresorts.co.za 

Dreams hotels and resorts  queries

• If members have any queries about Dreams Hotels and Resorts , they can contact them by:
• phoning:  0861 010 347
• visiting: [email protected]

Multiply Travel Desk queries

• If members have any queries about Multiply travel arrangements made through the Multiply Travel Desk or Multiply travel rules, they can contact the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected].

Multiply benefit or points queries

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.

Ending the benefit

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1. What is the benefit? 

Multiply Premier and Starter members get 25% off all products on the Dream Republic website.

2. Who may use this benefit?
   • The benefit is available to Multiply Premier and Starter members.
   • The benefit is available to main members and partners. 

3. How to use this benefit:
   • Go to the Dream Republic website at https://www.dreamrepublic.co.za/.
   • Select your products.
   • Add you ID number on the checkout page to get your discount. 
   • Get 25% discount on all regularly priced items in your cart before making the payment.   

4. Benefit rules: 
   • This benefit is only available to the main member or partner on Multiply Premier, or main member on the Starter contract.  
   • Multiply members are not allowed to transfer the benefit to non-Multiply members.  
   • All products must be purchased and paid for on the Dream Republic website.  
   • Your discount will apply to all regularly priced products on the Dream Republic website.  
   • The Multiply discount cannot be used in conjunction with any other applicable discounts.  
   • There is no annual spend limit applied to this benefit.  
   • You will no longer have access to this benefit if you cancel your Multiply membership.  
   • Please contact Multiply or Dream Republic if your discount is not applied correctly.  

5. Multiply benefit or points queries 

   If you have any queries about this Multiply benefit or points, you can contact Multiply by 

   phoning 0861 88 66 00, sending an email to [email protected] or visiting multiply.co.za.  

The discounts above apply to the base fare portion of the ticket and exclude airport tax, insurance charges, tourism levies, courier costs and any other surcharges.

4. Multiply discount and fare classes

The Multiply discount only applies to the base fare portion of the following fare classes and types:

Flex: K, U, B, M, W

Flex Plus: R, E, Y

Business class: C, J

First class: F, A

A 5% discount is applied to the following fare classes: Q, L

No discount is applied to the following fare classes: X, V

5. Benefit rules

• If a BRONZE – PRIVATE CLUB member books more than 2 return international air tickets per family member per calendar year their discount will revert back to 10% for Normal flights and 5% for Special flights.
• Members may not book directly with the airline. Bookings may only take place through the Multiply website or Multiply Travel Desk.
• Flights booked through Multiply are for leisure purposes only and must span a minimum of 3 days and a maximum of 12 months.
• Business Class bookings are allowed, but the booking will count as 2 Economy class bookings.
• 1x Business class booking per annum per member. PLEASE BE ADVISED that this applies to all international Airlines on Multiply, in other words should a Member make use of this option, the Member will be prevented from making use of this option on another Multiply affiliated airline. Members receive 2 (two) economy class international return flights per annum, hence a Members converts 1 (one) business class return per annum. Flights depart only out of South Africa and return to South Africa. 
• 2x Economy class bookings per annum per member
• No Multiply discount will apply to any changes made to flight bookings.
• Members must ensure that they take out the necessary travel insurance when traveling overseas. Multiply offers travel insurance at a discount (see Travel Insurance Consultants (TIC)).
• The discounts apply for return economy, first  and business flights only. No one-way travel is permitted.
• The discounts above apply to the cost of the flights and exclude airport tax, insurance charges, tourism levies, courier costs and any other surcharges.
• Members who have booked via the Multiply Travel Desk will receive their travel itinerary and booking reference number via e-mail.
• Routes and destinations may change without prior notice.
• Flights can ONLY be booked out of South Africa and return to South Africa for the discount to apply in rand value.
• Children who qualify for the applicable discount will not be catered for by Emirates in the event they travel with a non-member adult.
• The member discount and/or ticket price are non-negotiable. Other travel Agent pricing or Emirates Specials will not be considered in conjunction with the member discount and/or ticket price.

 
6. How to use this benefit – booking a flight

• To make a reservation, log in to the Multiply website and navigate to Rewards > Travel. If you have any enquiries, you may contact the Multiply Travel Desk on 0861 100 155, or email them at [email protected] Operating hours: Monday-Friday 08:00-17:00.
• Bookings must be made within a minimum of 3 working days prior to the date of departure. Any bookings made after this point will not be guaranteed and immediate payment will be required to secure the booking.
• Members must provide their Multiply client number and ID number when they make a booking.
• Flights prices are subject to change without prior notice.
• A booking fee of R25 will apply to all domestic flight bookings and a booking fee of R197 will apply to all international flight bookings.
• Multiply will e-mail members their Emirates travel itinerary and booking reference number to them.

 
7. Paying for your flights

• Members can only pay with a valid MasterCard or Visa credit card.
• EFT via payment link.

 
8. General Multiply travel rules

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate.
• The Multiply discounts are only available for certain routes and destinations, according to the specific code share agreements of Emirates.
• Members may contact the Multiply travel desk for the complete list of destinations and routes eligible for Multiply discounts.
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are refundable as per the Airlines rules and regulations. Multiply will not accept any name changes. Multiply will allow changes to future-dated flight bookings for Emirates, but it is subject to additional costs and penalties as applied by Emirates.
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.
• Multiply will not be responsible in providing members with assistance with any other related travel documents. Members are advised to obtain all necessary documents prior to booking a flight.

 
9. Partner rules

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.emirates.com.

 
10. Multiply Travel Desk queries

• If members have any queries about Multiply travel arrangements made through the Multiply Travel Desk or Multiply travel rules, they can contact the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected].

 
11. Multiply benefit or points queries

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.

12. Ending the benefit

• For any confirmed bookings:
• The Emirates benefit will honour bookings that have already been made, even if the Multiply membership is cancelled. 
• The benefit may be denied if members do not comply with the terms and conditions of www.emirates.com.
• For any future bookings:
• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit?

• Members get up to R180 discount on Executive Carport valet parking at OR Tambo International Airport.

 
2.Who may use this benefit?

• This benefit is available to all Multiply Premier members.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

3.How this benefit works:

• The discount is the same across all Multiply status levels. Members get the following discounted rate on daily parking fees:

• ​Multiply calculates the discount for each day – it is not an average for the total number of days.

4.How to use this benefit – booking your parking:

• Members can book parking directly with Executive Carport in one of two ways:
• by completing the online booking form on their website at www.executivecarport.com, or
• by phoning them on 011 390 2062.
• Members will need their Multiply client number and ID number to make a booking.
• Members will receive a confirmation number when they make the booking. Members can use this number if they want to make any changes to their booking. 
• Members will find Executive Carport valet parking just after the “Domestic Departures” area at OR Tambo on the left-hand side of the upper roadway. 
• To collect their car, members will find the collection area on the fourth floor of the multi-storey parking opposite domestic Terminal B. 

5.General Multiply travel rules:

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside of Multiply’s scope and control.
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.

6.Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.executivecarport.com.

7.Executive Carport queries:

• If members have any queries about Executive Carport and their offerings, they can contact them by:
• phoning: 011 390 2062, or
• visiting: www.executivecarport.com.

8.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za

9.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit?

• Multiply wants members to understand their finances better by setting up regular time with their financial advisers to review their personal financial plan.

2.Who may use this benefit?

• This benefit is available to principal members and their spouses/partners on Multiply Premier and Multiply Starter.
• Multiply Premier members can earn points for completing this review process.
• Multiply Starter members do not earn points for having a review done.

3.What is a financial coverage review?
Members will need to consult an accredited adviser who will review their finances, advise and asses if they have cover in the following areas:

• Risk
• Car and home
• Health
• Wills
• Retirement 
• Savings

4.How to earn points for the review process:

• The financial adviser must submit a declaration of advice to Multiply, alternatively members will need to submit a completed form, available on the Multiply website. 
• Multiply will then allocate the points once submitted and processed. 

5.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning:0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.momentum.co.za/multiply.

6.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled. 

1.What is the benefit?

• Get Active Dayz™ quickly and easily with FitVault

2.What is Fitvault ? 

• FitVault is a fitness app that helps you earn Active Dayz™ and get rewarded. Get active and track your physical activity with your Apple Watch  anywhere, anytime. You can even track your Parkrun. Just use FitVault. If you're working out at one of our affiliated gyms, use your FitVault app to log your gym visit and earn Active Dayz™.

Frequently Asked Questions

1.Q. How do I get FitVault?
   A.The FitVault app is available to download on the Apple App Store. Follow the steps to register and create a profile on the app.
 
2.Q. How do I use FitVault Get Active Dayz™?
   A.There are a few ways you can use FitVault to earn Active Dayz™.

• Log your Multiply affiliated gym visit on FitVault
• Find the list of Multiply affiliated gyms on the FitVault app.
• Carry your phone to gym. 
• Click “LOG A VISIT” on the FitVault app and scan the QR code on the FitVault poster in your gym. 
• You will need to be in the gym for at least 30 minutes to earn your active day. 

Get 10 000 steps

• Link FitVault to your HealthKit account.
• Sync FitVault to track the number of steps you take per day with your fitness device. 
• Get to 10 000 and you’ve got your active day.

 

Burn 300 calories

• Link FitVault to your HealthKit account.
• Burn 300 calories in a session and sync FitVault to get an active day.

 

Participate in an Entrytime event

• Take part in a registered event through Entrytime and get an active day. 

 

Complete a Parkrun

• Register on the Parkrun website and get your Parkrun barcode.
• Scan or enter your Parkrun barcode in FitVault
• Participate in a Parkrun on Saturday mornings. 
• When you have finished your run, scan your Parkrun barcode.
• Once Parkrun has released your results, sync your FitVault app to get your active day.
• You have 30 days to sync your completed Parkruns to FitVault.
   

3.Q How do I link my fitness device to FitVault?
   A.Download the FitVault App and click on "Link a Fitness Device”. You will then be able to link your Apple Watch (through the Health Kit App), . Once     your device is linked, you will need to sync it each day to earn your active day.
 

4.Q.How many Active Dayz™ can I earn a day?

• A.You will earn 1 active day per day, regardless of how many activities you log each day.

5.Q How much does FitVault cost?
   A.FitVault is absolutely free to download and register. You will only pay for data when using the app and the costs relating to the activities you       choose to do to earn Active Dayz™.
 

6.Q.What do I need to use FitVault on my phone?

• FitVault is only available on iOS devices. 
• Your phone must be with you, turned on and charged to log your gym visit.
• Your location settings must also be turned on.
• Your phone must be connected to mobile data or WiFi to log your activities.

 

7.Q.My activities are not syncing and I’m not earning Active Dayz™. What can I do?
   A. Please contact us if you have any questions.

• Call centre: 0861 88 66 00 
• Email: [email protected]

 
 Standard FitVault Ts & Cs apply.
Click here for Multiply Ts & Cs.

1.What is the benefit ?

• The Healthy Heart Score gives you an indication of how healthy a member’s heart is. Results from a completed Health Assessment are used to calculate a score to identify which category the heart health falls in, either: green, amber or red. This indicates if the member is currently causing progressive harm that could result in  cardiovascular  disease (CVD).
• This information can be used to help members take better care of their heart health.

2.Who may use this benefit?

• A Healthy Heart Score (HHS) will be calculated for all Multiply Premier and Multiply Starter members.

3.How this benefit works:

• A set of components and measurements are required to calculate a HHS for a member. These include; blood pressure, glucose or HbA1c, total cholesterol, HDL cholesterol (optional), body fat percentage together with smoker’s status.
• Points are awarded for each component/measurement.
• The points are then added together to get a final score, which will place a member into either a green, amber or red category.
• Results:
• Red – You need to take strong action to reduce your CVD risk factors. 
• Amber – You should take action to reduce your CVD risk factors. 
• Green – All your CVD risk factors are under control for now.

4.Product benefits:

• Multiply Premier members can access a number of product benefits, through the use of Active DayzTM and HHS:
• Up to 60% back in EmployeeReturns on qualifying FundsAtWork insurance premiums; 
• Up to 60% back on Myriad insurance premiums; and 
• Up to R3 000 per month per family in HealthReturns from Momentum Medical Scheme.

5.How to use this benefit:

• Complete a Multiply Health Assessment at any Dis-Chem, Clicks, Multiply approved independent pharmacies and biokineticists registered with BASA.
• Multiply Premier members and their partners are each entitled to one free health assessment per year.
• Visit the FundsAtWork website (www.momentum.co.za/fundsatwork) to activate the benefit. 

​
6.Benefit rules:

• Validity of the HHS will be influenced by change or expiry of any of the input measurements.
• The following set of measurements have a 12 month validity period. Once one of them has expired, the HHS also expires until the expired measurement is updated again:
• Blood pressure
• Glucose or HbA1c
• Total cholesterol
• Body fat percentage
• Smoker status
• HDL Cholesterol (optional)

7.Multiply benefit or points queries:

• If member have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.momentum.co.za/multiply.

8.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit ?

• Members get up to 40% discount on bus tickets with Intercape.

2.Who may use this benefit?

• This benefit is available to all principal members and their spouses/partners on the Multiply Starter and Multiply Premier.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

3.How this benefit works:

• Members receive the following discounts based on their status/level:
   

The discounts above apply to the full cost of the ticket. This benefit is available on any published public fare for any of the bus routes, subject to the Benefit Rules below.

• Multiply Premier members are entitled to 24 bookings per member at their Multiply status discount per calendar year. 
• Only members listed on the Multiply Premier contract qualify for the benefit. 
• Members can book Intercape bus tickets at 10% once they have exceed the 24-booking limit. 
• Multiply Starter members are entitled to unlimited bookings per member at their Multiply Starter discount per calendar year.
• Only members listed on the Multiply Starter contract qualify for the benefit.
• Bus routes are subject to availability.
• The discounts above apply to the full ticket price.
• Members must take their ID document and voucher/itinerary to the depot on the day of departure to collect their ticket.
• In the case of credit card bookings, the ticket will be automatically cancelled unless the cardholder complies with all requirements stipulated during the booking process, which may include that the credit card used to purchase the ticket(s) and the ID document of the cardholder must be presented upon boarding the Intercape vehicle or at an Intercape office at least 24 hours before the scheduled departure time.
• Intercape offers three ticket options; Saver, Flexi and Full-Flexi at different costs, allowing differing flexibility.
• Children aged 2 to 12 years pay the full Intercape fare.
• Children below the age of 12 are not allowed to travel alone and must be accompanied by a parent/guardian.
• Intercape does not cater for unaccompanied minors. 
• Unless Intercape and a passenger agree otherwise, and at the sole discretion of Intercape, each fare-paying passenger is permitted to take, free of charge, two pieces of luggage and goods, each of which does not exceed 80cm x 60cm x 30cm in size, and of a total mass (all luggage and goods combined) not exceeding 20kg for domestic departures, and 30kg for cross-border departures.
• Routes or destinations are subject to change without prior notification.

• Contact the Multiply Travel Desk on 0861 10 01 55 or email: [email protected]
• Members must have their Multiply client number, ID number or passport number on hand. 
• Booking are non-refundable.
• No advance booking period is required for bookings.
• All routes offered by Intercape are available to Multiply members.
• Tickets booked through Multiply are for leisure purposes only.
• This benefit is subject to availability.

• A ticket is valid for the use only by the passenger to whom it is issued and for the route, date and time shown thereon.
• A ticket can be cancelled and a refund issued subject to the following:
• SAVER tickets 48 hours or more before the scheduled departure time, with a 25% cancellation fee;
• FLEXI tickets 24 hours or more before the scheduled departure time, with a 15% cancellation fee; and
• FULL FLEXI tickets 12 hours or more before the scheduled departure time, with a 10% cancellation fee.
• Notwithstanding the above, all tickets can be cancelled and will be refunded without any cancellation fee, provided that the cancellation is performed within 1 (one) hour after the ticket was purchased, but not within 15 minutes before the scheduled departure time.
• Changes can be made directly with Intercape or through the Multiply Travel Desk.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate. 
• For any combination booking (flights and/or accommodation and/or car hire), a three-day or 14-day advance notice period will apply, depending on the nature of the booking. This can only be facilitated via the Multiply Travel Desk.
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are non-refundable and Multiply will not accept any name changes. Multiply will allow changes to future-dated flight bookings for Intercape, but it is subject to additional costs and penalties as applied by Intercape.
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za  multiply before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.intercape.co.za.

• If members have any queries about Intercape, they can contact them by:
• phoning: 021 380 4400 or
• visiting: www.intercape.co.za.

• If members have any queries about Multiply travel arrangements made through the Multiply Travel Desk or Multiply travel rules, they can contact the Multiply Travel Desk by:
• phoning: 0861 100 155, or
• sending an e-mail to: [email protected]

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.

• Members will no longer have access to this benefit if their Multiply membership is cancelled

Please Click here here for the KidsReturns terms and conditions 

1. What is the benefit?

• Members pay R199 per month for the programme subscription.

2. Who may use this benefit?

• The benefit is available to Multiply Premier and Starter members.
• The benefit is available to main members, their partners and dependants.

 
3. How this benefit works:

• All Multiply Premier and Starter members pay R199 per month for the programme subscription.

 
4. How to use this benefit:

• Click here and select the Lisa Raleigh Moxie Programme for Multiply members.  
• Complete the sign-up and payment process. 
• Once payment is made, you will receive an email with your personal login details. 
• You will also get a welcome email with a link to the login page. 
• Once you log in, you will be directed to the Lisa Raleigh Moxie product library, with all the information about the programme and workouts. 

• You will get 4 workouts a week, which are uploaded on a Sunday. This gives you 16 workouts a month. 
• Each workout comes with a PDF document that explains each exercise. 
• You will also become part of a community where you will receive tips, advice and recipes to stay motivated. 

  
5. Benefit rules:

• This benefit is only available to the main member, partner and dependants on the Multiply contract. 
• Multiply members are not allowed to transfer the benefit to non-Multiply members. 
• All membership fees are paid for directly to Lisa Raleigh. 
• The Multiply discount cannot be used in conjunction with any other applicable discounts. 
• There is no annual spend limit applied to this benefit.  
• You will no longer have access to the discounted price of this benefit if you cancel your Multiply membership. 
• Please contact Lisa Raleigh or Multiply if your discount is not applied correctly. 

6. Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an email to: [email protected], or
• visiting: www.multiply.co.za. 

7. Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1. What is the benefit?

• Multiply Premier (main members and partners) and Starter members get 30% in cashbacks on all online bounti workouts. 
• Multiply Premier (main members and partners) and Starter members get 15% in cashbacks on all equipment.  

2. Who may use this benefit?

• The benefit is available to main members and partners on Multiply Premier. 
• The benefit is available to members on Multiply Starter.   

 
3. How this benefit works:

• Visit lisaraleigh.com/collections/momentum-multiply
• Click on the option to generate a voucher code, then enter your ID number to validate your membership to qualify for the cashbacks before making the payment.
• Once you enter your ID number you will receive a code which must be captured on the check out page.
• During check-out, enter all delivery address details and complete the payment.
• Once payment is confirmed, your cashbacks will be paid into your Multiply Money savings wallet.
• Momentum Medical Scheme members can choose to use their HealthSaver to pay for the bounti workouts and equipment via their Multiply Money Visa card.

  
4. Benefit rules:

• This benefit is only available to the main member or partner on Multiply Premier or to a member on Multiply Starter. 
• Multiply members are not allowed to transfer the benefit to non-Multiply members.
• All products must be purchased and paid for on the Lisa Raleigh online store.
• Your cashbacks will apply to all regular priced and sale bounti products.
• The Multiply cashbacks cannot be used in conjunction with any other applicable discounts.
• A monthly spend limit of R5 000 applies to bounti equipment or products. There is no spend limit for workouts.
• You will no longer have access to this benefit if you cancel your Multiply membership.
• Please contact Multiply if your cashbacks are not applied correctly. 

5. Multiply benefit or points queries:

• If you have any queries about this Multiply benefit or points, you can phone on 0861 88 66 00,send an email to [email protected].co.za or visit multiply.co.za.

1.What you get ?

• Multiply members enjoy the following savings on the recommended retail price of vouchers from Makro. The savings available to members on items listed on the Multiply online shop are as follows:

• Premier Members

  Bronze	Silver	Gold	Platinum	Private Club
  5%	7.5%	10%	12.5%	15%

• Starter Members

  Are eligible to a flat 2% discount on all Makro products listed on the online shop;

2.Using the benefit:

• Purchases can be made through www.multiplyonlineshop.co.za by logging on to the website and going to Makro vouchers under lifestyle category. Purchases will be delivered to the email address and cellphone number specified.

  Vouchers are available in denominations of R100, R200, R250, R500, R1000, R5000 and R10 000. 

3.Benefit rules:

• Vouchers cannot be returned for a refund – terms and conditions from Makro apply.
• Payments must be made using a valid MasterCard or Visa credit card, EFT, Multiply Money.
• Annual spend limit rules will be applied to the gross value (before discount) of goods purchased; 
• Standard Makro Terms and Conditions apply; refer to 
• Multiply online shop Terms and Conditions apply, https://www.multiplyonlineshop.co.za/terms-and-conditions. 
• If you select the discount instead, your payment due will reflect the discounted amount.
• If you select cashbacks, you will pay the full amount.
• If you are a Multiply Premier member your available savings in any calendar year from January to December will always depend on your Multiply status.
• Your purchases are subject to a R33 000 annual spend limit per family, or R22 000 annual spend limit for a single member on Premier level. 
• Just remember that it is the full retail price and not the discounted price of your purchase that counts toward the spend limit. If you choose cashbacks instead of discounts, the full retail price you pay will count towards your spend limit.
  No spending limit applies to members on Multiply Starter.
• If you select cashbacks, your cashbacks will be transferred into your Multiply Money savings wallet within 24 hours
• View the cashbacks that have been paid into your Multiply Money savings wallet on multiply.co.za.
  If you have a Multiply online shop query please call us on 0861 88 66 00 or email your query to [email protected]. 

1.Wat is the benefit?

• Members receive 22.5% off  Maxidor products and services.

2.Who may use this benefit?

• The benefit is available to Multiply Starter and Multiply Premier members.
• This benefit is available to all principal members and their spouses/partners.

 
3.How this benefit works:

• All Multiply members get a 22.5% discount off their purchases.

4.How to use this benefit:

• Login to Multiply and complete the request for a quote for Maxidor.
• A Maxidor representative will contact the member within 24 hours to complete a quotation.
• The discount will be applied on the final quotation. 
   

5.Benefit rules:

• The benefit is available to the principal and partner on Multiply Premier and Multiply Starter.
• The standard Maxidor terms and conditions apply.
• The maximum discount available is 22.5%.
• All quoted prices include VAT.
• This offer is only available to members dealing with the official Maxidor branched in Johannesburg, Pretoria, Vaal Triangle, Polokwane, Bloemfontein, Durban, Port Elizabeth and Cape Town.
   

6.Maxidor queries:

• If members have any Maxidor queries, they can contact them by:
• phoning: 0860 131 131 or
• visiting: www.maxidor.co.za.
• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
   

7.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.
• 8.Ending the benefit:
• Members will no longer have access to this benefit if their Multiply membership is cancelled.

Members get a discount on a Multiply fitness assessment and earn Multiply points for completing it.

1. Who can use this benefit?

This benefit is available to all principal members, their spouses or partners and adult dependants on Multiply Premier and Multiply Starter.

2. More about the fitness assessment

• The one-on-one assessment takes approximately 30 minutes and is performed by a registered health professional. The online fitness assessment will take 30 minutes at most and will be done via Zoom or Teams.

Both the in-person and online fitness assessment will measure:

• Body composition
• Cardiovascular fitness
• Muscle strength

After the assessment, members will receive comprehensive feedback on each component of the test, as well as an overall fitness level (ranging from 1 - 5). This result of the in-person fitness assessment is valid for 12 months and the online fitness assessment is valid for 6 months.  

Members can earn points on Multiply Premier for completing this fitness assessment, as well as cashbacks and discounts on their Momentum products for as long as their fitness assessment is valid.
Only a Multiply fitness assessment will be accepted and used to apply points and Momentum product rewards.

3. How this benefit works

Members will pay R440 for an in-person fitness assessment at any health professional licensed to perform the assessment. Please note: Members must pay the health professional directly (either by cash or card, depending on the payment options offered by the health professional), but can claim this from their Momentum HealthSaver account if there are sufficient funds to cover the cost.

The online fitness assessment will cost R230 and a member can pay the health professional before the assessment via EFT.

4. How to use this benefit

• To book a Multiply fitness assessment with the closest health professional or those who can do online fitness assessments, members should::
  • Visit: multiply.co.za 
  • Select Health > fitness assessment
  • Select a health professional from the list and either contact them directly, or – if available – click on a time to book an appointment.
  • Fill in the necessary details, and under “reason for appointment”, the member should select “Multiply assessment”.

• Members who want to complete their health assessment at the same time should check if the health professional is able to do so.
• Members must remember to take any form of identification (ID, passport or driver’s licence) close by.
• Members should wear comfortable clothing, such as tracksuit pants, tights or shorts, a T-shirt and comfortable running or walking shoes for the assessment. Please also have a gym towel handy. 
• Members need a take measure and a stable internet connection for the online fitness assessment.

5. Earning Multiply points

• After completing the in-person fitness assessment, members will earn points upfront depending on the fitness level achieved:
  
  • Level 1 – 10 points 
  • Level 2 – 20 points
  • Level 3 – 40 points
  • Level 4 – 60 points
  • Level 5 – 80 points
• After completing the online fitness assessment, members will earn points upfront depending on the fitness level achieved:
  
  • Level 1 – 5 points 
  • Level 2 – 10 points
  • Level 3 – 20 points
  • Level 4 – 30 points
  • Level 5 – 40 points
• Multiply members can go for as many fitness assessments in a calendar year as they would like, provided that four weeks have passed since the last assessment, as it takes time to improve.
• For the in- person fitness assessment, members will receive a new level and the difference in points, if applicable. So, if a member’s fitness level improves, they will receive the difference in points. For example, if a member scores a Level 3 in January, then completes another fitness assessment in May and scores a Level 4, they will earn the variance of 20 points, which is the difference in points from Level 3 to 4.
• For the online fitness assessment, the member will receive points for the level achieved. Members can do an online and in-person fitness assessment after each other with a 4-week break, and members will not get more than 80 points for their fitness assessments (combined online and in-person fitness assessment).

*Note these points are allocated to Multiply Premier members only.

6. Queries

Members should contact the health professional who completed their fitness assessment, as they are experts and can best advise on how to improve a fitness level.

Multiply benefit or points queries

– Call 0861 88 66 00

– Email [email protected]

– Visit www.multiply.co.za

7. Who is Multiply’s partner linked to the fitness assessment?

The new fitness assessment is endorsed by the Sport Science Institute of South Africa (SSISA) and the University of Cape Town (UCT), with whom we are partnering on this journey.

8. Why SSISA?

Thought leaders: Since 1994 SSISA, in collaboration with UCT’s Division of Exercise Science and Sport medicine, has been the leading research institution in sports performance, sports injury prevention, and promoting healthy living.

Relevant research: They have the latest, leading academic research in health, fitness and sport medicine in South Africa, where Multiply members reside.

Exclusive partnership: We are the only wellness and rewards partner associated with SSISA.  Through this partnership, Multiply is bringing the best solutions to members.

Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and ensure that they thoroughly understand all the rules and regulations about the use of this partner’s services and products before using the benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do its best to ensure that all information about the partner rules and regulations included in the terms and conditions are correct. However, Multiply cannot guarantee the accuracy of the information.

Weekly Wins

Weekly Wins is a reward offered to Multiply Premier members who meet their weekly (Monday to Sunday) physical activity goals. To enable you on your journey to being fit and active, we’re personalising your goals according to the target you achieve.

1. Benefit eligibility

• Multiply Premier main members and partners only.
• Members who have linked their activity tracking device to their Multiply profile and who complete Weekly Wins activities.

2. Physical activities eligible for Weekly Wins

• Activities logged through an activity tracking device or your phone, which have been linked to your Multiply profile,
  are eligible for Weekly Wins.
• This includes earning 300 calories per session, 10 000 steps a day, completing an elite event or a parkrun.
• Gym visits do not qualify for Weekly Wins.
• You can use Strava with most smartphones, which you can link on the Multiply app or website. For Huawei phones, link your Huawei Health app on the Multiply app and website. For Apple phones, link your HealthKit app on the FitVault app. For Samsung phones, link your Samsung Health app on the FitVault app.

3. Earning Weekly Wins

• Achieve your weekly physical activity target to earn a streak.
• Sync your device daily to determine if you have achieved a streak.
• Once you earn a streak, choose your treat.

4. Device syncing

• Sync your device daily to see if you have achieved your Weekly Wins activity or;
• Sync your device every Sunday to see if you have achieved a Weekly Win.
• Syncing is permitted up until midnight on Wednesday to earn a Weekly Win for the previous week.

5. Choosing treats

• You can choose a treat as soon as you have achieved your goal.
• You will have 14 (fourteen) days to choose a treat, from the Monday following the week in which your goal was achieved.
• Log in to multiply.co.za to choose your treat. Once you’ve selected your treat, click on “Use a reward” to get your voucher code. This will then be sent to you via SMS.

6. Weekly Wins treats

Choose one treat for each Weekly Win. Members can choose one of the following treats from our Weekly Wins partners:

• a R50 NetFlorist voucher;
• a R25 Dis-Chem voucher;
• a R25 Wimpy voucher to use when you spend R100 or more at Wimpy;
• a hot beverage from Wimpy including and limited to:

– Regular Caffè Latte
– Regular Cappuccino
– Regular Coffee
– Regular Americano
*excludes Hot Chocolate, Decaf and Cremoccino

• a R25 Nando’s voucher to use when you spend R100 or more at Nando’s restaurants. Available in store only.
• a R25 Total voucher for fuel and in-store purchases. This excludes items from Café Bonjour.
  Click Here for a list of participating Total stores
• a R30 Fishaways voucher for in-store purchases.
  CLICK HERE for a list of participating Fishaways stores.

Monthly Wins

Monthly Wins rewards you for every 4-week winning streak.

1. Earning Monthly Wins

• Achieve a 4-week Weekly Wins streak and get rewarded.
• Remember to sync your device.
• Once you earn your Monthly Wins, choose your treat.

2. Monthly Wins treats

Choose one treat for each Monthly Win. Members can choose one of the following treats:

• a R125 partner voucher at Wimpy, Dis-Chem, Total or Fishaways or a R150 NetFlorist voucher when you spend R450 or more
• get R100 into your HealthSaver account (this option is available if you’ve achieved at least a Level 3 fitness
  assessment result and uploaded proof that you’ve been vaccinated against Covid-19).
• Log in to multiply.co.za to choose your treat. Once you’ve selected your treat, click on “Use a reward” to get your voucher code. If you choose to get R100 paid to your HealthSaver, this will be paid when you click on “Use a reward”.

Please note that if you choose to have your Monthly Wins paid into your HealthSaver, it will be allocated as Booster funds. Booster funds are forfeited when a member leaves the scheme, or cancels their HealthSaver.

1. Vouchers rules

• Once the treat is selected, a coupon will be issued with a coupon code via SMS and on multiply.co.za.
• The voucher code must be provided at the point of sale in order to be redeemed.
• For Dis-Chem online purchases, the voucher code must be captured before payment is made
• The voucher may not be exchanged for cash.
• The voucher may not be swapped for another menu item at Wimpy.
• Vouchers are valid for 14 (fourteen) days from date of issue.
• Multiple vouchers may be used for a single transaction.
• The voucher may not be used in conjunction with any other promotion or discount.
• For Total fuel purchases, vouchers will have to be redeemed inside the Total store.

2. Monthly Win to go to your HealthSaver account

• You can choose to get a R100 voucher paid to your HealthSaver account if you’re fully vaccinated against Covid-19 and have at least a Level 3 fitness assessment result.

3. Contract termination

• You will not be eligible to earn Weekly or Monthly Wins if your Multiply membership has been terminated within the last earn period.
• Vouchers issued which are still valid will not be affected.

4. Multiply or Weekly Wins queries:

• If you have any queries about any Multiply Wins or Multiply rewards, you can call Multiply on 0861 88 66 00 or email [email protected].

• Your discount will depend on your status.
   

• Log in to NetFlorist’s website.
• Shop and select your product/s of choice.
• Proceed to the checkout screen and click on the Multiply logo. You will need to enter your ID/ passport number to get your discount.
• Pay for your order as per NetFlorist’s methods of payment.

• This benefit is only available to the main member and partner on the Multiply contract.
• Multiply members are not allowed to transfer the benefit to non-Multiply members.
• All purchases must be completed on the NetFlorist website. 
• Your discount will apply to all products sold on the NetFlorist website, but does not apply to the delivery fee.
• The delivery fee will be in accordance with the NetFlorist delivery terms and conditions. 
• All product prices include VAT.
• You will no longer have access to this benefit if you cancel your Multiply membership.
• Please contact Multiply if your discount is not applied correctly.
• Standard NetFlorist terms and conditions, warranties and return policies apply. 
• The Multiply discount shall not be applicable with a third parties discount or voucher.

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information. 
• For comprehensive partner terms and conditions, please visit here   

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za

How it works:
Multiply members enjoy discounts on New Balance apparel. The discounts available to Multiply members on listed apparel on the New Balance online shop are as follows:

Premier Members
All members qualify for a 30% discount 

Starter members 
All members qualify for a 15% discount 

Accessing the benefit:

• Purchases can be made through www.newbalance.co.za;
• Log and create a New Balance profile.
• Browse the website and select the items for purchase;
• Proceed to checkout and click on the Multiply Member Code, enter your Multiply membership number or ID number to activate your discount;
• Specify delivery address and complete payment.
   

Benefit Rules:

• The benefit is only available to main member and partners on the Momentum Multiply contract.
• Momentum Multiply members are not allowed to transfer the benefit to non-members.
• All purchases must be completed on the New Balance website.
• Your discount will apply to all items purchased (excluding sale and discounted item) on the New Balance websites but does not apply to delivery fees.
• The Momentum Multiply discount cannot be used in conjunction with any other applicable discounts.
• The delivery fee will be in accordance with New Balance delivery term and conditions.
• All product prices include VAT.
• Card payments must be made using a valid MasterCard or Visa credit card;
• There is no annual spend limit to be applied on the goods purchased;
• Standard New Balance Terms and Conditions apply;
• Multiply Terms and Conditions apply.
• New Balance FAQ: https://www.newbalance.co.za/faqs
   

Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information. 
• For comprehensive partner terms and conditions, please visit https://www.newbalance.co.za/terms-and-conditions

 
Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za

1.Who may use this benefit?

• This benefit is available to all Multiply Premier and Multiply Starter members.
   

2.How this benefit works:

• Members receive the following discounted movie tickets, based on their Multiply status:

Members can purchase one movie ticket per family member registered on Multiply, plus one additional movie ticket for a friend at these discounted rates.
 

Full VIP, Normal VIP and Price Freeze VIP cineplexes  

Full VIP cinemas 

Hyde Park Full Scene VIP 

Bedford Full Scene VIP 

Woodlands Full Scene VIP 

Normal VIP cinemas  

Boardwalk Casino 

Ballito Junction 

Canal Walk  

Clearwater Mall 

Cornubia Mall 

Emperor’s Palace 

Galleria Mall 

Menlyn Park  

The Pavilion 

The Glen 

Price Freeze cinemas 

Mamelodi Mall 

Masingita Mall 

Welkom 

Trade Route 

West Gate 

3.Benefit rules

• Members cannot watch the same movie more than once at the discounted price.
• Members cannot give their Multiply membership details after payment has been made to get a discount.
• Multiply member discounts will not be given in conjunction with other rewards membership discounts or Nu Metro specials. 
• Discounts are applicable on both 2D & 3D movies, VIP and Scene Xtreme (4DX cinemas excluded).

 
4.How to use this benefit

• Members can book with Nu Metro in four different ways:
• Online – by visiting www.numetro.co.za. Members will need to enter their credit card information and Multiply membership number.
• At the cinema wall-mounted kiosks – members can book directly at one of the self-service kiosks.  They will need to swipe their credit card and capture their Multiply membership number.
• At the cinema till points – members must present their Multiply membership card when making a booking. They will also need to give their date of birth.
• Call centre – Members can book tickets through the Nu Metro call centre by phoning: 0861 246 362. They will need to give their Multiply membership number. Multiply cannot accept responsibility if the Nu Metro server is down.

 
5.Paying for your tickets

• Please note that members can only pay with a valid MasterCard or Visa credit card when they book online, at the cinema kiosks or through the NuMetro call centre.
• Members can pay cash when they book at the cinema till points.

 
6.Partner rules

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.numetro.co.za.

 
7.Nu Metro queries

• If members have any Nu Metro-related queries, they can contact them by:
• phoning: 0861 246 362 between 8:00 and 20:00,
• sending an e-mail to: [email protected], or
• visiting: www.numetro.co.za.

 
8.Multiply benefit or points queries

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za.

 
9.Ending the benefit

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit?

• Multiply members get discounts on career guidance assessments.

 
2.Who may use this benefit?

• This benefit is available to all Multiply Premier and Multiply Starter members and their children as listed per the Multiply contract.

3.How this benefit works:

• Your child qualifies for more than 50% off the price of the first assessment. Instead of paying R350 per assessment, pay only R150 with Multiply. In addition, pay only R75 for the second child and every child assessed thereafter.
• Members will pay the following on assessments:
   

4.How this benefit works:

• Your child qualifies for more than 50% off the price of the first assessment. Instead of paying R350 per assessment, pay only R150 with Multiply. In addition, pay only R75 for the second child and every child assessed thereafter.

5.How to use this benefit:

• Visit www.onlinecareerguiance.co.za 
• Members will need to register each child who will be doing the assessment on the site and provide their Multiply client number.
• The result is available as soon as payment is made and the assessment is completed.
• The discounted rates are available for only one assessment per child, per year.
• Discounted rates are charged per family.
• Valid Visa or Mastercard credit cards must be used for payments
   

6.Benefit rules:

• This benefit is only available for children/students of any age. 
• The benefit is only available to children as listed per the Multiply contract. This is validated at payment stage. 
• There are no limits on the number of children that can obtain the discounts for one Multiply member, as long as the children are dependents on the Multiply contract.
   

7.Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is your responsibility to locate, read and make sure that you thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. You can consult the partner website and our client call centre.
• You can contact Multiply by: phoning: 0861 88 66 00,
• The information about the partner rules and regulations included in our terms and conditions are correct, however, we cannot guarantee the accuracy of the information.
• For comprehensive partner terms and conditions, please visit www.onlinecareerguiance.co.za.

8.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by
• sending an e-mail to: [email protected], or
• visiting: www.momentum.co.za/multiply.
   

9.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit ?

• Members earn Active Dayz™ for every training session they complete with an Affiliated Gym.

2.Who may use this benefit?

• This benefit is available to principal members and partners on Multiply Premier and Multiply Starter.

3.How this benefit works:

• All Multiply members will earn an Active Day per session logged.
• Only Multiply Premier members will earn points for their Active Dayz™.
   

4.How to become an “Affiliated Gym”:

• Interested independent gyms can find out all the relevant information on www.fitvault.co.za .
• Click on the “Register a Fitness Centre” tab on the site and follow the prompts to complete the process.
• Once the payment process has been selected and the registration successfully completed FitVault will provide confirmation via email to confirm contact details and when the posters will be sent. Posters will take up to 7 working days  to be delivered.
• FitVault will email the initial invoice for payment.
• On receipt of payment confirmation, FitVault will load gym’s details onto the FitVault app.

5.How to earn points:

• Members can scan the QR code on the Multiply Posters with their phones in the gym to earn their Active DayzTM and points will be allocated.
• Members need to spend a minimum of 30 mins in the gym in order to get an Active Day.

6.Affiliated Gyms queries:

• If members have any queries about their preferred Affiliated Gyms, they can contact their gym directly. 
• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.

 
7.Multiply benefit or points queries:

• If members have any queries about FitVault or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za 
   

8.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled. 

1.What is the benefit ?

• Make every grocery shop count. Get rewarded with up to 12% in cashbacks when you shop at Pick n Pay.

2.Who may use this benefit?

• The benefit is available to main members and partners on Multiply Premier. 
• This benefit is not available to Multiply Starter members. 

3.How this benefit works:  

How to get it:

You need to belong to Multiply and Pick n Pay Smart Shopper to qualify and you need to activate the benefit to earn cashbacks.

To activate the benefit:

This is the process you need to follow to earn cashbacks for both in-store and online purchases on the Pick n Pay app or pnp.co.za. We’ll need your Smart Shopper number to get going.

Activate the Pick n Pay benefit by following the steps below:

• Activate the benefit for in-store and online purchases by:
• Logging into multiply.co.za and entering your Smart Shopper card number under My Partner Rewards before you start shopping, or
• Call our call centre on 0861 88 66 00.
• Please note that you will not earn cashbacks if you have not followed the steps above to activate the Pick n Pay benefit.

Using the benefit:

• To get cashbacks, ask the cashier to swipe your Smart Shopper card before you pay.
• If you’re shopping on picknpayclothing.co.za or pnp.co.za, you’ll receive your cashbacks automatically, once you have linked your Smart Shopper card on these channels. Use the credentials you used to link your card to log in.
• New asap! app users: At registration, add your Smart Shopper number to the relevant field. Once applied, you'll earn Smart Shopper points and cashbacks. Existing asap! app users: link your Smart Shopper card at checkout. Your cashbacks are paid into your Multiply Money savings wallet within 7 days.
• View the cashbacks that have been paid into your Multiply Money savings wallet on multiply.co.za.
• This benefit is available to main members and partners on Multiply Premier.
• Cashbacks will be awarded based on your Multiply status and will be awarded on qualifying products at each cashback partner.
• Cashbacks will only be awarded if you swipe the registered Smart Shopper card that is both linked to your ID with Pick n Pay and activated on multiply.co.za.
• Multiply reserves the right at any time to exempt certain products from earning cashbacks at its discretion. 

At Pick n Pay, items excluded from earning cashbacks from Multiply include, but are not limited to, as prohibited by legislation:

• Fuel
• Tobacco and tobacco related products
• Pick n Pay gift cards and top-ups
• iTunes and Google Play Vouchers
• Wallet top-up
• Money transfers
• Prescription medicine and pharmaceutical goods
• Baby or nutritional formula
• Third party services and payments which include, but are not limited to electricity, USA Visa tokens, Axxess ADSL tokens, Hollard Insurance, U-Kash, SAA Cycle voucher, Austrian Visa tokens, Just Surf, Retail Bonds, all lottery tickets, transactions through SAA, bus tickets, MultiChoice, traffic fines, Splashout Mall Cards and pension payments.

View Full List Here

Standard Pick n Pay Ts & Cs apply.
Click here for Multiply Ts & Cs.

1.What You Get:

Premier:

• You qualify for a fixed discount of 25% off your monthly gym membership fees on a 12 month contract with NO activation fee.
• Additional benefits:
• No minimum gym visits are required
• You don’t pay an activation fee to join.
• Under 18s gym for free under main Members policy.

 
2.ActiveDayz™

• Every gym session will earn you one Active Day.

3.Rewards:

• Active Dayz™ together with your Healthy Heart Score and status on Multiply Premier will earn you these financial rewards if you  have  Multiply 
• Premier and the relevant Momentum products:
• Up to R3 000 per month back in HealthReturns when  you have Momentum Medical Scheme;
• Up to 60% off your life insurance premiums with Momentum Myriad;
• Up to 60% back in EmployeeReturns when you have Momentum FundsAtWork.

4.How to get it:

• You must take your green bar-coded ID document and Multiply membership card to the Planet Fitness health club of your choice. 
• When you apply with Planet Fitness please note that you will be asked to:
• Complete and application form;
• Provide Planet Fitness with your banking details for their direct collection of your monthly gym debit order;
• Pay an administration fee for your access/tag card.

5.Using the benefit:

• The benefit is based on the standard one-year Planet Fitness retail membership rate, which varies by club type and does not apply to any membership specials that Planet Fitness may run.
• Children under 18 join Planet Fitness for free, provided that the principal member and/or partner have a Planet Fitness gym membership as a Multiply Premier member. 
• A transfer between clubs or a membership downgrade requires an administration fee per transaction determined by Planet Fitness.

Standard Planet Fitness Ts & Cs apply.

• Need to be a Multiply Premier member for 2 years
• Single threshold – applies to single members and/or single parents. More details in section 3.
• Family threshold – applies to families of two when the partner is the dependant, or families of three when the partner is one of the dependants. More details in the following section.

1.What is the benefit?

• Members get up to 45% discount on accommodation at Protea Hotels in South Africa.

2.Who may use this benefit?

• This benefit is available to all principal members and their spouses/partners on Multiply Premier.
• This benefit is not available to Multiply Starter members. 
• Multiply Members are not allowed to transfer to Non-Multiply Members.
   

3.How this benefit works:

• Members receive following discount on accommodation at Protea Hotels in South Africa, based on their Multiply status:
   

4.Benefit rules:

• Hotel accommodation booked through Multiply is for leisure purposes only.
• Members may not use this benefit for more than 40 days per family member in one calendar year (January to December). This includes bookings at African Pride Hotels.
• Room bookings must be for a minimum of three consecutive nights, or two consecutive nights, which include a Saturday night.
• Discounts apply to the best room rate available at the time members make a booking. The rate will change depending on the season. Discounts do not apply to any specials or promotional rates.
• The room rate does not include any extra expenses, like extra meals, phone calls, room service, drinks, laundry service, tourism levies, parking fees and other surcharges.
• Bookings are non-refundable and Multiply will not accept any changes.
• Multiply members with a single membership are only allowed to book a single room. An additional nominal rate is charged for an extra person. This rate may vary between hotels. 
• Multiply members with family memberships can book a double room with a maximum of two adults per room. The hotel reserves the right to charge an additional fee for an extra adult sharing the room. Members must pay the additional fee directly to the hotel. 
• Children under the age of 12 years stay for free if they share a room with their parents. Please confirm at the time of reservation if the selected room is able to accommodate children. 
• Protea Prokard members cannot earn or spend credits on bookings at the Multiply rate.
• Cancellations are allowed by calling the Multiply Travel Desk on 0861 100 155 72 hrs before check-in date.
• Refunds are allowed if the cancellation is done 72hrs before check-in, a death certificate or a Dr’s note confirming hospitalization is produced.   
• Please call the Multiply Travel Desk on 0861 100 155.

5.How to use this benefit – booking accommodation:

• To make a reservation, log in to the Multiply website and navigate to Rewards > Travel. If you have any enquiries, you may contact the Multiply Travel Desk on 0861 100 155, or email them at [email protected] Operating hours: Monday-Friday 08:00-17:00.
• Member will need their Multiply client number and ID number when they make a booking.
• The room rate may or may not include breakfast. 
• Members must check whether they are making a booking for a standard room, family room or suite.
• Give the number of adults for each room.
• If a member has children, they must check whether the room and hotel can accommodate children.
• For a full list of Protea Hotels, visit http://protea.marriott.com/ 
• Multiply will e-mail the Protea Hotel voucher to the member.
   

6.Paying for your accommodation:

• Members can only pay with a valid MasterCard or Visa credit card.
• EFT via payment link.
   

7.Changing or cancelling a booking:

• Protea Hotels’ standard rules for changes apply to Multiply bookings.  Members do not get a discount on the cost charged for changing their booking.
• If the new price is higher than the original, members will have to pay the difference. If the new price is lower than the original, members will lose the difference.
• Members are allowed to cancel their bookings, but Multiply will not refund members, unless for reasons related to hospitalisation or death (subject to proof). If members cancel for other reasons, they will have to use their booking on another date. Please note that additional costs could be involved. 
• A changed booking must be used within 3 months of the original booking date.
• The Multiply discount does not apply to the extra costs when cancelling or make changes to a booking.
• Multiply Members are not allowed to transfer to Non-Multiply Members.
   

8.General Multiply travel rules:

• Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside Multiply’s scope and control.
• Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate.
• For any combination booking (flights and/or accommodation and/or car hire), a three-day or 14-day advance notice period will apply, depending on the nature of the booking. This can only be facilitated via the Multiply Travel Desk. 
• The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
• Bookings are non-refundable and Multiply will not accept any name changes. Multiply will allow changes to future-dated flight bookings for Protea Hotels, but it is subject to additional costs and penalties as applied by Protea Hotels.
• Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to www.multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.
   

9.Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior
• notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information. For comprehensive partner terms and conditions, please visit http://protea.marriott.com/

10.Protea Hotels queries:

• If members have any queries about Protea Hotels, they can contact them by:
• phoning: 0861 11 9000, or
• visiting: http://protea.marriott.com/.

1. What is the benefit ?

   Multiply Premier members get between 10% and 40% discount on two international flights a year.
    

2. Who may use this reward?

   This benefit is available to all Multiply Premier members. Multiply members are not allowed to transfer this benefit to non-Multiply members.

3. How this benefit works

   Principal members, their spouses or partners and adult dependants receive the following discounts on Qatar airfares, based on their Multiply Premier status:

    

   	Bronze	Silver	Gold	Platinum	Private Club
   Premier	10%	15%	20%	30%	40%

    
   The above discounts apply to the base fare portion of the ticket and exclude airport tax, insurance charges, tourism levies, courier costs and any other surcharges.

4. Multiply discount and fare classes
   

   The Multiply discount only applies to the base fare portion of the following fare classes and types:

   Economy

   Lite: W

   Classic:  O, T, Q, N

   Convenience: S, V, L, M, K

   Comfort: H, B, Y

   Business

   Lite: P

   Classic: R

   Comfort: I, D

   Elite: C, J

   First class

   Elite: A, F

5. Benefit rules
   The Multiply discount only applies to the base fare portion of the following fare classes and types: Economy Lite: W Classic: O, T, Q, N Convenience: S, V, L, M, K Comfort: H, B, Y Business Lite: P Classic: R Comfort: I, D Elite: C, J First class Elite: A, F
   • If a Bronze to Private Club member books more than two return international air tickets per family member on Multiply per calendar year, their discount will revert to 10% for normal flights.
   • For this discount to apply, members cannot book directly with the airline. Bookings need to be made through the online Multiply Travel portal or the Multiply Travel Desk.
   • Flights booked through Multiply are for leisure purposes only and must span a minimum of three days and a maximum of 12 months.
   • Business class bookings are allowed, but the booking will count as two economy class bookings.
   • Members get one business class booking per year per member. This applies to all international airlines on Multiply. If a member uses this option, the member cannot use it on another Multiply-affiliated airline. Members receive two economy class international return flights per year, so a member can convert to one business class return ticket per year.
   • A member gets two economy class bookings per year.
   • No Multiply discount will apply to any changes made to flight bookings.
   • Members must ensure that they take out the necessary travel insurance when traveling overseas. Multiply offers travel insurance at a discount (see Travel Insurance Consultants (TIC)).
   • The discounts apply for return economy, first and business flights only. No one-way travel is permitted.
   • The discounts above apply to the cost of the flights and exclude airport tax, insurance charges, tourism levies, courier costs and any other surcharges.
   • Members who have booked via the online Multiply Travel portal or the Multiply Travel Desk will receive their travel itinerary and booking reference number via email.
   • Routes and destinations may change without prior notice.
   • Flights can ONLY be booked out of South Africa and for return to South Africa for the discount to apply in rand value.
   • Children who qualify for the applicable discount will not be catered for by Qatar in the event they travel with a non-member adult.
   • The member discount or ticket price is non-negotiable. Other travel agent pricing or Qatar specials will not be considered in conjunction with the member discount or ticket price.
6. How to use this benefit – booking a flight
   • To book a flight, log in to mulitply.co.za and go to the online Multiply Travel portal under Rewards > Travel or book through the Travel Desk. If you have any enquiries, you can contact the Travel Desk on 0861 10 01 55 or send an email to [email protected] Operating hours are from Monday to Friday from 08:00 to 17:00.
   • Bookings must be made within a minimum of three working days prior to the date of departure. Any bookings made after this point will not be guaranteed and immediate payment will be required to secure the booking.
   • Members must provide their Multiply client number and ID number when they make a booking.
   • Flights prices are subject to change without prior notice.
   • A booking fee of R25 will apply to all domestic flight bookings and a booking fee of R197 will apply to all international flight bookings.
   • Multiply will email members their Qatar travel itinerary and booking reference number.
7. Paying for your flights

   Members can pay with a valid MasterCard or Visa credit card or make an EFT via the payment link.

8. General Multiply travel rules
   • Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside of Multiply’s scope and control.
   • Members will only qualify for the Multiply discount structure that is based on the service provider’s standard retail rate and not on the provider’s special rate or the travel partner’s special web fare rate.
   • The Multiply discounts are only available for certain routes and destinations, according to the specific code share agreements of Qatar.
   • Members may contact the Multiply Travel Desk for the complete list of destinations and routes eligible for Multiply discounts.
   • The Multiply fares quoted exclude airport taxes, tourism levies, fuel levies, courier costs and any other surcharges.
   • Bookings are refundable as per the airline’s rules and regulations. Multiply will not accept any name changes. Multiply will allow changes to future-dated flight bookings for Qatar, but it is subject to additional costs and penalties as applied by Qatar.
   • Each travel partner has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit by logging on to mulitply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website.
   • Multiply will not be responsible in providing members with assistance with any other related travel documents. Members are advised to obtain all necessary documents prior to booking a flight.
9. Partner rules

   Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner’s services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct. However, Multiply cannot guarantee the accuracy of the information.

   For comprehensive partner terms and conditions, visit qatarairways.com/en-za/legal.html. 

10. Multiply travel queries

    For any queries about Multiply travel arrangements made through the online Multiply Travel portal or Multiply Travel Desk, or for questions about the Multiply travel rules, contact the Multiply Travel Desk on 0861 10 01 55 or send an email to [email protected].

11. Multiply benefit or points queries

    If members have any queries about this benefit, they can contact Multiply by phoning 0861 88 66 00, sending an email to [email protected] or visiting multiply.co.za.

12. Ending membership

    For any confirmed bookings:

    • The Qatar benefit will honour bookings that have already been made, even if the Multiply membership is cancelled. 
    • The benefit may be denied if members do not comply with Qatar’s terms and conditions.

    For any future bookings:

    • Members will no longer have access to this benefit if their Multiply membership is cancelled.

1. What is the benefit?

• Members receive 20% discount on the three month Real Meal Revolution Online Course which normally costs R1 500. To continue on the programme after the three month course will cost R200 per month.

2. Who may use this benefit?

• The benefit is available to Multiply Starter and Multiply Premier members.
• This benefit is available to all principal members and their spouses/partners and adult dependents.

3. How to use this benefit

• To sign up,  members can visit  www.realmealrevolution.com     

4. Benefit rules 

• The benefit is available to the principal member, partner and adult dependents on Multiply Premier and Multiply Starter.
• The standard Real Meal Revolution terms and conditions apply.
• 20% discount on the three month Real Meal Revolution Online Course which normally costs R1 500. To continue on the programme after the three month course will cost R200 per month.

5. Multiply benefit queries

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za

6. Ending the benefit

• Members will no longer have access to this benefit if their Multiply membership is cancelled

1.General

1.1. Momentum reserves the right to, in its sole discretion, amend the Terms at any time. Momentum will give you reasonable notice of any changes to the Terms by publishing the details of the changes on the Digital Platform or disclosing the information in any other way that Momentum will determine at their sole discretion.

1.2. Momentum may suspend, deactivate or terminate your access to the use of Safe Dayz at any time and on reasonable grounds, by notice to you.

1.3. Momentum will terminate the Agreement immediately if you are in breach of the Agreement. Upon such termination for breach, you will not be entitled to any benefits associated with Safe Dayz.

1.4. Momentum reserves the right to terminate your access to Safe Dayz without notice and take necessary action against you upon reasonable suspicion by Momentum that you manipulated the system resulting in financial gain.

1.5. Occasionally, information contained and displayed through the Digital Platform and/or mobile device may differ to that observed in other sources.

1.6. Momentum may from time to time employ third parties and/or their software to assist with certain services and aspects of the Digital Platform and the Safe Dayz feature. Momentum makes every effort to ensure that such third parties comply with Momentum’s Privacy and Security policies and hold them accountable for any non-compliance.

2.Safe Dayz 

2.1. You must be logged on to the mobile app and your GPS location services and have your data switched on at all times.

2.2. You must ensure that:

2.2.1. you grant the mobile application permission to access your location settings.

2.2.2. your device settings are optimized at all times for journey recordings.

2.3. It is imperative that you have frequent access to data, mobile internet services and your GPS location switched on in order for your journey data to be received by Momentum.

2.4. Momentum shall not be held liable in any manner whatsoever in respect of any journey data that is not received by Momentum for any reason whatsoever.

2.5. Journey data not received by Momentum within 7 days of a journey will be forfeited.

2.6. The data usage costs associated with recording your journey is for your account.  

2.7. A journey is classified according to the day on which the journey ended.

2.8. For purposes herein, a “journey” shall be classified according to a minimum time and distance threshold as determined by Momentum and subject to change from time to time.

2.9. Various elements related to your driving behaviour will be recorded.

2.10. The monitoring of usage of your mobile device is limited to notification of activity and no content is visible, accessed or recorded.

2.11. Each recorded journey for the day, via any mode of transportation on land, will be allocated a score.

2.12. Your journey as a passenger will also be captured and allocated a score.

2.13. Your individual journey scores for a particular day will be combined to produce a “daily score” for the day.

2.14. Your daily score will reflect and be available for viewing within 24 hours of all journey data for the day being received and captured by Momentum.

2.15. A Safe Day is allocated to you when you achieve either:

2.15.1. A minimum daily score as a determined by Momentum; or

2.15.2. A no journey day where you did not travel as can be confirmed by Momentum.

2.16. Notwithstanding any of the above terms, you will not be allocated a score or no journey day for any period in which you are outside the Republic of South Africa. You understand that you will only earn Safe Dayz whilst you are within the Republic of South Africa.

2.17. Momentum reserves the sole discretion to determine and change from time to time, all calculations, qualifying criteria and business rules relating to the allocation of Safe Dayz.

2.18. If you are a Momentum Short Term Insurance policy holder and have obtained your Safety Score, you could earn a Safety Bonus subject to your score and the number of Safe Dayz accumulated.

2.19. If you are a Multiply member, you are eligible to earn Multiply points for your Safe Dayz.

2.20. Any data collected by Momentum through your use of Safe Dayz will not affect the validity of any claim under your Momentum Short Term Insurance personal lines policy. Your policy contract will continue to govern the validity of any claim submitted by you.

3.Disclaimer

3.1. In using Safe Dayz you accept that Momentum gives no warranty, expressed or implied, as to the reliability or correctness of any functionality, information, formulae or calculations provided through the use of Safe Dayz. You also indemnify Momentum, its subsidiaries and associated parties against any liability for loss or damage of whatsoever 3 nature, including direct, indirect, special, incidental, consequential or punitive loss or damage, which may be attributable directly or indirectly to the use of or reliance upon any functionality, information or services provided through Safe Dayz. All calculations or other content is not intended to and does not constitute advice of any nature and you indemnify Momentum against any such loss arising from your reliance on any information or calculation obtained by your use of Safe Dayz. Momentum, its subsidiaries and associated parties are indemnified against any loss arising from or associated with device specific bugs, device incompatibility, battery drainage and/or non-recording of a journey for any reason whatsoever.

4.Contact

If you have any questions or need more information about Safe Dayz, please visit us at www.momentum.co.za

5.Acceptance of terms

5.1. The Agreement, as amended from time to time, govern your respective rights and obligation when you use Safe Dayz. By making use of Safe Dayz, you acknowledge that:

5.1.1. you have read, understood and agreed to the Terms as amended from time to time;

5.1.2. a contract will become active between you and Momentum;

5.1.3. you consent to Momentum collecting, processing, storing and sharing your personal information with third parties, for the purposes of providing you with the complete Safe Dayz offering.

1.Safety Score, Multiply Points and Momentum Safety Bonus

• Each answer provided by you on the questionnaire will be allocated a score and the points are added to determine your Safety Score.
• Momentum requires certain answers provided by you in the Safety Score questionnaire to be validated. Once these answers are validated, the points for these questions will be allocated to your  Safety Score.  In order to validate your answers, you are required to submit certain documents.
• If you are a Multiply client, you are eligible to earn Multiply points for completion of the Safety Score.
• If you are a policyholder of a Momentum Insure car and home insurance personal lines policy, you are potentially entitled to receive a Momentum Safety Bonus, subject to the conditions stipulated herein.
• The quantum of the Momentum Safety Bonus is dependent on your Safety Score, the number of SafeDayz achieved in a month and your Multiply status.
• Momentum will accrue the applicable percentage of your paid premiums on a monthly basis towards your Momentum Safety Bonus.
• If there are gaps in cover, the Momentum Safety Bonus amount will not accrue for those months.
• Should any of your circumstances subsequently change which may impact the answers provided by you on the Safety Score questionnaire, you are required to update the Safety Score questionnaire.
• Details of your Momentum Safety Bonus will be noted on your policy schedule.
• In the event that you update your validation documents, your Safety Score will be updated within 5 (five) days.
• You are required to update your latest validation documents to maintain your Momentum Safety Bonus levels.
• In the event that you fail to update your validation documents, your Momentum Safety Bonus level will be reduced accordingly.
• Momentum reserves the sole discretion to determine and change from time to time, all calculations,  criteria and business rules relating to Safety Score.

2.Momentum Safety Bonus Rules

• The following conditions are applicable in respect of payment of the Momentum Safety Bonus:
• Your policy must be active up until the day before your policy anniversary, in order for you to be entitled to payment of the Momentum Safety Bonus.
• The Momentum Safety Bonus will be paid  to you within six weeks of the anniversary of your short term insurance personal lines policy.
• If you cancel your policy prior to the day before your policy anniversary, you will not be entitled to payment of a pro-rata Momentum Safety Bonus.
• If we cancel your policy in accordance with the cancellation provisions stipulated in the policy, you will not be entitled to payment of a pro rata Momentum Safety Bonus.
• The Momentum Safety Bonus will be paid into the account of the person responsible for the payment of premium, unless you specifically request that it be paid into a different bank account.

3.Disclaimer

• In using Safety Score you accept that Momentum gives no warranty, expressed or implied, as to the reliability or correctness of any information, output, recommendations, guidelines, formulae or calculations provided through the use of Safety Score, and Momentum does not accept any liability for loss or damage of whatsoever nature, including direct, indirect, special, incidental, consequential or punitive loss or damage, which may be attributable directly or indirectly to the use of or  reliance upon any such information or services provided through Safety Score. All calculations or other content is not intended to and does not constitute advice of any nature and you indemnify Momentum against any such loss arising from your reliance on any information, calculation or recommendation obtained by your use of Safety Score.
• Any disclosures made by you arising out of the use of Safety Score will only impact your entitlement to the Momentum Safety Bonus and will have no impact on the validity of any claim arising from your short-term insurance personal lines policy. Your policy contract will continue to govern the validity of any claim submitted by you.

4.Complaints

• If submitting a complaint regarding Safety Score you will follow the standard Momentum complaints process.

We strive to meet our commitment to you, if we fail to deliver on our service commitment, we will pay you R50.
The terms and conditions, as set out below, apply to the Multiply Service Commitment. As a Multiply member, these are what you agree to so please read carefully as it is important to us that you understand them.

The essentials of this commitment

• As a Multiply member, you can earn R50 cashbacks or choose that we donate R50 on your behalf to the MMI Foundation Youth Employment initiative (click here for more information on the MMI Foundation http://www.mmifoundation.org.za), see Service Commitment details here.
• Your phone calls and emails (i.e. service requests) need to be made to the following contact centres within the specified business hours:
   

How do I qualify for the service commitment?

• This is only applicable to Multiply Members.
• You qualify for the service commitment pay-out (R50 cashbacks or R50 donation) if the following statements are true:
• You are a member (main member/spouse/dependant) with an active Multiply membership (Premier or Starter).
• You have an “active” Multiply Money facility (if you don’t have a Multiply Money facility, Multiply service agents will immediately open one for you).
• Your call went to our automated voice response system and the call ended before a conversation had started (this is if you had selected any of the voice prompt options).
• OR
• You called us from a telephone number which is directly linked to you / is the same as the number registered on our system which makes it easy to contact you.
• OR
• You sent the email service request to the correct email address and we have not acknowledged receipt with 24 (twenty four) hours.

What must I do to submit a service commitment claim?
In order to claim, you have to qualify and do the following:

1. Let us know by phone or email.
2. Our agent will log the claim on your behalf.
3. Choose whether you want the cashbacks or want to make a donation to MMI Foundation.
4. You will receive confirmation of the outcome via email within 48 hours.

What will we do before we pay you?
Check and investigate the validity of the claim.

Further conditions:

1. If you qualify and your claim is successful, you will be able to choose either to receive R50 cashbacks in your Multiply Money facility or to make a R50 donation to the MMI Foundation.
2. If you choose to donate R50 to the MMI Foundation, then you give up your claim to the R50 cashbacks.  
3. The service commitment is not open to any MMI Holdings Limited staff members and any of the dependants on their Multiply plan.
4. We will call you at the number you called us from. If there’s no success (and where possible) we will leave you a voice message.
5. This service commitment is not applicable:
6. to multiple enquiries from brokers, partners or other 3rd parties.
7. to enquiries received via the Multiply website, social media, Multiply webchat, Momentum and Multiply Money app.
8. Contributions will be made to MMI Foundation initiative where the member does not have a active Multiply Money facility.
9. 1 (one) “failure” for 1 (one) query (i.e. if we either, don’t call you back OR we don’t respond to your email within 24 hours.
10. The Multiply Service Commitment will run for a limited period. Multiply reserves the right to discontinue the campaign at its own discretion.  
11. Your R50 cashbacks will reflect in your Multiply Money facility within 48 (forty eight) working hours.
12. The R50 cashbacks is not transferrable and cannot be exchanged for cash.
13. Once you have chosen to either receive R50 cashbacks or to make a R50 donation, any requests to change or reverse it your choice will not be accepted unfortunately.  
14. You will receive an email confirming the R50 cashbacks or R50 donation to the MMI Foundation within 48 hours.  
15. We will make an annual payment (during December) of all the donations to the MMI Foundation.
16. In instances of system downtime (affecting multiple clients at the same time) we will make a once off contribution of R250 to MMI Foundation.
17. A service commitment claim must be submitted within 1 (one) month from our failure to enable effective handling of your claim.

1.What you get ?

• Multiply members enjoy cashbacks on the recommended retail price of vouchers from Showmax. Your savings on items listed on the Multiply online shop are as follows:

• Premier Members

  Bronze	Silver	Gold	Platinum	Private Club
  20%	25%	30%	40%	50%

• Starter Members

  You get 2% in cashbacks on Showmax vouchers.

2.How you get it ?

• Log in to the Multiply online shop and buy your Showmax vouchers.

3.Using the benefit:

• Payments must be made using a valid MasterCard or Visa credit card, by doing an EFT or from your Multiply Money payment wallet. 

4.Benefit rules:

• Showmax vouchers are available in denominations of R99.00, R297.00 and R594.00.
• We’ll send your Showmax voucher via SMS within six hours of your purchase.
• Vouchers can be redeemed on the Showmax website.
• Vouchers cannot be returned for a refund – terms and conditions from Showmax apply.
• If you are a Multiply Premier member your cashbacks available in any calendar year from January to December will always depend on your Multiply status.
• Your purchases are subject to a R33 000 annual spend limit per family or a R22 000 annual spend limit for a single member on Premier. Once you’ve reached this limit, the cashbacks received will be the same as Multiply Starter members.
• Remember that it is the full retail price of your purchase that counts towards the spend limit.
• No spending limit applies to members on Multiply Starter.
• Your cashbacks will be transferred into your Multiply Money savings wallet within 24 hours.
• Call us on 0861 88 66 00 if you have a Multiply online shop query or email your query to [email protected]

1.What is the benefit ?

• Members can join Smokenders for 25% less.

2.Who may use this benefit?

• The benefit is available to Multiply Starter and Multiply Premier members.
• This benefit is available to all principal members and their spouses/partners.
   

3.How this benefit works:

• Members get a 25% discount off the retail price.

4.How to use this benefit:

1. If you want to stop smoking, send an email to [email protected] or call 072 896-5166
2. You will then receive a Booking Form via email. This will have dates and venues of upcoming courses, and you complete and return it to book your place.
3. Registration Forms can be completed on arrival at the venue. Please take your ID and Multiply Client Number with you, as well as a pen and your cigarettes.
4. Your discounted fee can be paid before the first session, via online banking or in cash at the first meeting.
5. You need to attend a 2 hour seminar once per week for 6 weeks in order to complete the course.

5.Benefit rules:

• The benefit is available to the principal and partner on Multiply Premier and Multiply Starter.
• The standard Smokenders terms and conditions apply.
   

6.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za 
   

7.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.Who may use this SnapnSave benefit?

• This benefit is available to all Multiply members

 
2.How to register for SnapnSave 

• Multiply Members will need to either download the SnapnSave app or register on the SnapnSave mobi / website.
• Members will need to enter their ID number to validate their Multiply membership.

 
3.SnapnSave benefit rules

• SnapnSave offers cashback coupons to clients on a range of products. Multiply Members will be eligible for an additional 10% of the cash back valued offered (except on alcohol and tobacco products).
• The cashback coupon amount earned, including the additional 10% will be automatically transferred to the Member’s Multiply Money savings wallet.
• A Member will have 48 hours after booking their cashback coupon to snap their till slip to claim cashback amounts.
• There is no limit on the number of coupons a Member may book or redeem via SnapnSave. However, fraudulent transactions or duplication of receipts where identified, will be rejected.
• Cashback coupons are subject to availability and may have limited quantities available.
• Multiply will not be held responsible for the SnapnSave Mobile App or website downtime. Members are advised to make use of other channels to book their cashback coupon.  

 
4.How to book SnapnSave cashback coupons

• Members can book a SnapnSave cashback coupon by downloading the SnapnSave app or visiting www.snapnsave.co.za.
• Members will need their ID number when they register. Go to MENU -> PARTNER BONUS to link the Multiply membership to the SnapnSave account.

 
5.Additional cashback exclusions

• Additional cashbacks will not be applicable on Tobacco and Alcohol products. 

 
6.SnapnSave rules

• SnapnSave’s Terms and conditions relating to their services are subject to change from time to time without prior notice. It is the Member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of SnapnSave’s services and products before using the SnapnSave benefit. Members can consult the SnapnSave website and the Multiply client call centre. Multiply will do their best to make sure that all the information about SnapnSave’s rules and terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information.
•  For comprehensive SnapnSave terms and conditions, please visit www.snapnsave.co.za

7.SnapnSave queries

• If you have any queries about the SnapnSave offering, assistance on installing the app or other SnapnSave related issues, you may contact them by visiting: www.snapnsave.co.za.

 
8.Multiply benefit or cashback queries:

• If Members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za

 
9.Termination of the benefit

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1. What is the benefit? 

• Starter members get 10% in cashbacks on all regular priced items and 20% in cashbacks on all sale items on the SportSA website. 
• Multiply Premier members get between 15% and 30% in cashbacks on all regular priced items and 20% in cashbacks on all sale items.

2. Who may use this benefit? 

• The benefit is available to Multiply Premier and Starter members.  
• The benefit is available to main members and partners.  

3. How to use this benefit: 

• Visit https://www.sportsa.co.za/.
• Select your products. 
• Add you ID number on the checkout page to validate your membership to qualify for your cashbacks.    
• You’ll get between 15% and 30% in cashbacks if you’re a Premier member and 10% in cashbacks if you’re a Starter member on all regular priced items and 20% in cashbacks on all sale items in your cart before making the payment. 

4. Benefit rules: 

• This benefit is only available to the main member or partner on Multiply Premier or the main member on the Starter contract.   
• Multiply members are not allowed to transfer the benefit to non-Multiply members.   
• All products must be purchased and paid for on the SportSA website.   
• Your cashbacks will apply to all regular priced and sale products on the SportSA website.   
• Cashbacks will not apply to gift cards or vouchers.
• Members who return their purchases for a refund will only receive the retail price paid less the cash back received.
• The cashbacks cannot be used in conjunction with any other promotions.
• There is no spend limit for this benefit.   
• You will no longer have access to this benefit if you cancel your Multiply membership.   
• Please contact Multiply if your cashbacks isn’t applied correctly.

5. Multiply benefit or points queries 

If you have any queries about this Multiply benefit or points, you can contact Multiply by 

phoning 0861 88 66 00, sending an email to [email protected] or visiting multiply.co.za.  

1.What you get ?

• Multiply members enjoy cashbacks on the recommended retail price of vouchers from Spotify. Your savings on items listed on the Multiply online shop are as follows:

• Premier Members

  Bronze	Silver	Gold	Platinum	Private Club
  20%	25%	30%	40%	50%

• Starter Members

  You get 2% in cashbacks on Spotify vouchers.

2.How you get it ?

• Log in to the Multiply online shop and buy your Spotify vouchers.

3.Using the benefit:

• Payments must be made using a valid MasterCard or Visa credit card, by doing an EFT or from your Multiply Money payment wallet. 

4.Benefit rules:

• Spotify vouchers are available in denominations of R180 and R360.
• We’ll send your Spotify voucher via SMS within six hours of your purchase.
• Vouchers can be redeemed on the Spotify website
• Vouchers cannot be returned for a refund – terms and conditions from Spotify apply.
• If you are a Multiply Premier member your cashbacks available in any calendar year from January to December will always depend on your Multiply status.
• Your purchases are subject to a R33 000 annual spend limit per family or a R22 000 annual spend limit for a single member on Premier. Once you’ve reached this limit, the cashbacks received will be the same as Multiply Starter members.
• Remember that it is the full retail price of your purchase that counts toward the spend limit.
• No spending limit applies to members on Multiply Starter.
• Your cashbacks will be transferred into your Multiply Money savings wallet within 24 hours.
• Call us on 0861 88 66 00 if you have a Multiply online shop query or email your query to [email protected]
• Standard Spotify terms and conditions, warranties and return policies apply visit https://www.spotify.co.za/

Members earn Multiply points for completing their Stress Score screening.

1. Who can use this benefit?

This benefit is available to all principal members, their spouses or partners and adult dependants on Multiply Premier and Multiply Starter.

2. More about the Stress Scorer and how it works

• To measure your Stress Score, you must scan your finger using the Momentum Multiply app. The app uses the camera on your phone to scan your finger and the information gathered during the scan is then used to determine your Stress Score and other information like heart rate and heart variability. You can do the scan as many times as you like and all scans, successful and failed, will be stored for future reference.
• The application is a certified heart rhythm software that integrates into the Momentum Multiply app. It accurately measures heartrate to monitor the physical effects of stress in real time.
• Immediately after a successful scan you should be able to see the Stress Score calculated during the scan and the related tier on the Momentum Multiply app.
• You can earn points on Multiply Premier for completing the Stress Score assessment and this score does not expire.
• The points earned will contribute to your overall Multiply points.
• The latest Stress Score and related tier and the detail of the last five successful scans will be displayed on the Momentum Multiply spp.
• For doing a successful scan, you will get 1 point per month up to a maximum of 10 points per calendar year and this is subject to reaching the respective points limit. The points for measuring your Stress Score share a limit with vaccination points and are capped at 40 points. Both these points-earning activities fall under the Be Healthier category.
• The points will be a new activity under the Be Healthier category.
• Only a Multiply Stress Score assessment will be accepted and used to allocate points.

3. Multiply benefits or points queries

If you have any questions, you can call us on 0861 88 66 00, send an email to [email protected] or visit multiply.co.za.

Please note: Terms and conditions regarding this service are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and ensure that they thoroughly understand all the rules and regulations about the use of this services before using the benefit. Members can consult the Multiply client call centre for more information. Momentum Multiply will do its best to ensure that all information about services and their rules and regulations included in the terms and conditions are correct. However, Momentum Multiply cannot guarantee the accuracy of the information.

1.What is the benefit ?

• Members get up to 100% discount on any of the TaxTim Individual tax products.

2.Who may use this benefit?

• This benefit is available to all principal members and their spouses/partners on Multiply Starter and Premier.
• Adult dependants are not eligible for TaxTim and SARS eFiling submissions.

3.How this benefit works:

• All members receive the Lite, Smart or Ultra TaxTim packages for FREE.

4.Benefit rules:

• This benefit is available to all principal members and their spouses/partners on Multiply Starter and Premier.
• Adult dependents registered on the Multiply policy are eligible for TaxTim and SARS eFiling submissions.
• TaxTim is not a subscription service, so clients do not need to make a cancellation to stop future payments being deducted. If clients want to cancel from the TaxTim mailing list then there are unsubscribe links provided for that.
   

5.How to use this benefit:

• Go to the TaxTim website 
• Register by creating your user profile and start your journey. 
• On the package selection page, enter your Multiply client number, ID number or passport number. Your discount will be automatically calculated. 
• Choose the TaxTim package that is most suited to you. 
• Link your SARS eFiling account to TaxTim
• Answer TaxTim’s simple questions online. TaxTim uses your answers to complete your tax return instantly and professionally while making sure that you are claiming for all the deductions applicable to you and that your return meets the SARS compliance regulations. 
• Once completed, TaxTim submits your tax return to SARS for you with just one click. ​
   

6.Partner rules:

• Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information. For comprehensive partner terms and conditions, please visit www.taxtim.com/za/tos

7.TaxTim queries:

• If members have any tax related queries, they can contact TaxTim by:
• visiting the TaxTim helpdesk
   

8.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.multiply.co.za  
   

9.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1.What is the benefit?

• Members can cycle with the Toyota SuperCycling Club and pay no monthly fee.

2.Who may use this benefit?

• The benefit is available to Multiply Premier principal members and their spouses/partners.
• This benefit is not available to Multiply Starter members.

 
3.How this benefit works:

• All Multiply Premier members pay an initial joining fee and receive free monthly membership. Members will also earn Active Dayz™

 
4.How to use this benefit:

• Members need to visit their closest Toyota SuperCycling Club and present their Multiply member card or client number.
• Existing Toyota SuperCycling Club members should visit their nearest club and present their Multiply member card or client number to arrange to receive the discount.
• Look out for Multiply swipe devices installed in all of the clubs. Members need to swipe their Multiply card before each cycle to earn an Active Day.

 
5.Benefit rules:

• The benefit is only available to the main member and partner on the Multiply Premier contract.
• Both existing and new Toyota SuperCycling Club members can make use of the benefit.

 
6.Multiply benefit or points queries:

• If members have any queries about this Multiply benefit or points, they can contact Multiply by:
• phoning: 0861 88 66 00,
• sending an e-mail to: [email protected], or
• visiting: www.momentum.co.za/multiply.

7.Ending the benefit:

• Members will no longer have access to this benefit if their Multiply membership is cancelled.

1. What is the benefit? 
   

   Multiply Members get various discounts on travel deals and packages from Tourvest, as shown on multiply.co.za.  

2. Who may use this reward?
   

   This benefit is available to all Multiply Premier and Starter members. Multiply members are not allowed to transfer this benefit to non-Multiply members. 

3. How to use this benefit
   
   • Log in to multiply.co.za, go to Rewards > Travel and click on the Travel deals tile. Select the travel deal you’re interested in. There you’ll find all the details of a specific deal. Once you enter your contact details, a travel agent will contact you to finalise the booking.
   • Your booking must be paid for with a valid MasterCard or Visa credit card.
   • Bookings are non-refundable and no changes will be accepted.
   • You will get your booking confirmation via email.
   • Read the relevant Ts & Cs apply for each package when you select the specific package.
4. General Multiply travel rules 
   
   • Multiply will always do their best to secure the best available rate for members at any given time. However, some of our travel partners may have specials that they run from time to time, which are outside of Multiply’s scope and control. 
   • Each travel partner or package has their own specific terms and conditions. Members must make sure that they have read the detailed rules for each partner benefit or travel package by logging on to multiply.co.za before finalising their travel booking and by reading the partner terms and conditions displayed on the partner’s website. 
   • Multiply will not be responsible in providing members with assistance with any other related travel documents. Members are advised to obtain all necessary documents prior to booking a flight. 
5.   Partner rules 
   
   • Please note: Terms and conditions about this partner and their services are subject to change from time to time without prior notice. It is the member’s responsibility to locate, read and make sure that they thoroughly understand all the rules and regulations about the use of this partner services and products before using the partner benefit. Members can consult the partner website and the Multiply client call centre. Multiply will do their best to make sure that all the information about the partner rules and regulations included in the terms and conditions are correct, however, Multiply cannot guarantee the accuracy of the information. 
   • For comprehensive partner terms and conditions, please click . 
6. Multiply Travel queries
   

   For any queries about Multiply Travel arrangements or Multiply Travel rules, contact the Multiply Travel Desk on 0861 100 155 or send an email to [email protected]. 

7. Multiply benefit or points queries
   

   For any queries about this Multiply benefit or points, WhatsApp Multiply on 0861 88 66 00, send an email to [email protected] or visit www.multiply.co.za.

8. Ending the benefit 
   
   • For any confirmed bookings: This benefit will honour bookings that have already been made, even if the Multiply membership is cancelled.  The benefit may be denied if members do not comply with all applicable terms and conditions. 
   • For any future bookings: Members will no longer have access to this benefit if their Multiply membership is cancelled. 

• Members get up to 20% discount on travel insurance.

• This benefit is available to all principal members and their spouses/partners on the Multiply Premier membership.
• This benefit is not available to Multiply Starter members.
• Multiply Members are not allowed to transfer to Non-Multiply Members.

• Members receive the following discount from TIC, based on their Multiply status:
   

1. What is the benefit?

We believe that the case for vaccination is undeniable; getting vaccinated improves immunity against Covid-19 and helps prevent serious illness and death. Therefore, we would like our members to get vaccinated against Covid-19. Members can get up to 40 points for being fully vaccinated against Covid-19.

2. Who may use this benefit?

This benefit is available to principal members and their spouses or partners on Multiply Premier. Multiply Starter members do not earn points for getting vaccinated.

3. How does it work?

Once a member is fully vaccinated, he or she needs to WhatsApp a copy of their vaccination card and Multiply client number to 0861 88 66 00. Alternatively, they can email this information to [email protected] (with Vaccination in the subject line). We’ll allocate the points within 48 hours after validation.

4. How does the points limit under Be Healthier work?

The number of points you can get under the Be Healthier category as an individual used to be 200 points. This will now increase with 20 points to 220. However, you can unlock 80 more points in this category (when you go for a fitness assessment or complete an elite event), making the maximum points limit 300 for this category. For a family, it has increased to 440, with a potential of 160 extra points when completing an unlocking activity.

5. Multiply benefit or points queries

For any queries about this Multiply benefit or points, contact Multiply by phoning 0861 88 66 00, emailing [email protected] or visiting www.momentum.co.za/multiply.

6. Ending membership

Members will no longer have access to this benefit if their Multiply membership is cancelled.

What You Get:

1.Premier:

• You qualify for a fixed discount of 25% off your monthly gym membership fees on a 12 month contract with NO activation fee.
• The benefit is applicable to the main member, partner and adult dependants.
• Additional benefits:
• No minimum gym visits are required, i.e. your discount will no longer be calculated according to the number of times you attended gym.
• You don’t pay an activation fee to join.
• Children under 18 years of age get 50% off at Club V and Club V Max.

Active  Dayz™:

• Every gym session will earn you one active day, up to a maximum of 80.

Rewards:

• Active  Dayz™  together  with  your  Healthy  Heart  Score  and  Multiply  Premier  status  count towards  rewards  if  you  have  Multiply Premier and the relevant  Momentum products:
• Up to R3 000 per month back in HealthReturns when  you have Momentum Medical Scheme;
• Up to 60% off your life insurance premiums with Momentum Myriad;
• Up to 60% back in EmployeeReturns when you have Momentum FundsAtWork.

Healthy, physically active, safe and engaged members get the best discounts on Momentum products.

2.Starter:

• You qualify for a fixed discount of 10% off your monthly gym membership fees on a 12-month contract with NO activation fee.
• The benefit is applicable to the main member, partner and adult dependants.
• Additional benefits:
• No minimum gym visits are required, i.e. your discount will no longer be calculated according to the number of times you attended gym.
• You don’t pay an activation fee to join.

3.How to get it:

• You must take your green bar-coded ID document and Multiply membership card to the Virgin Active health club of your choice. 
• When you apply with Virgin Active, please note that you will be asked to do the following:
  • Complete and application form;
  • Provide Virgin Active with your banking details for their direct collection of your monthly gym debit order; and
  • Pay an administration fee for your access/tag card.
• Note that Virgin Active will collect your monthly debit order on the first of every month. If you joined Virgin Active in the middle of a previous month, the next month’s premium will include the additional first month’s premium.   

4.Using the benefit:

• The benefit is based on the standard one-year Virgin Active retail membership rate, which varies by club type and does not apply to any membership specials that Virgin Active may run. 

Standard Virgin Active Ts & Cs apply

1.What is the benefit?

• Unlock your unique potential at Zone Fitness Clubs, with state-of-the-art facilities, comprehensive aerobic instruction, studios and professional trainers. Zone Fitness Clubs provides affordable and personal membership packages in 25 un-intimidating clubs across the country, making health and fitness more accessible to everyone.

2.What you get
Premier

• You get a fixed discount of 45% when you sign up for a 12 month SuperClub or SingleClub membership with Zone Fitness Clubs.
• Additional benefits: No minimum gym visits are required, i.e. your discount will not be calculated according to the number of times you attended gym.

Active Dayz™:

• In addition to your discounted membership fee, your physical activity also earns you great rewards. Every gym session will earn you one active day. Active Dayz™ together with your Healthy Heart Score and status on Multiply Premier will earn you great financial rewards.

 
Starter

• The Zone Fitness Clubs benefit is not available to members on Multiply Starter. Upgrade to Multiply Premier.

3.How to get it

• You must take your Smart ID card or green bar-coded ID and Multiply membership card to the Zone Fitness Club of your choice. 
• When you apply with Zone Fitness Clubs, you will need to:
• Complete a membership agreement.  
• Provide Zone Fitness Clubs with your banking details for their direct collection of your monthly gym debit order.
• Pay your R100 card and joining fee
• Note that Zone Fitness Clubs will collect your monthly debit order on the last or first working day of every month, depending on the branch you join. If you joined Zone Fitness Clubs in the middle of a month, you can start using the facilities immediately, at no cost, and your first instalment will only be at the end of the month.

4.Using the benefit

• The benefit is based on the standard 12 month membership contract rate, and does not apply to any membership specials that Zone Fitness Clubs may run. 
• This benefit is available to Multiply Premier main members and partners only. Adult and child dependants are excluded.
• This benefit is available to new Zone Fitness Clubs members only
• Standard Zone Fitness Clubs Ts & Cs apply.