Multiply is an Obsolete Rewards Program.

Multiply is going from bad to worse, and it's incredibly frustrating.

First, they've drastically reduced reward payouts and made the top tiers almost unattainable for normal people. To reach the highest levels, you now need around 750 calories burned or 25,000 steps every single day — with no exceptions or missed days, otherwise you drop a level. Anyone who's tried hitting 25,000 steps consistently knows how absurd and unsustainable this is. It requires elite-athlete levels of activity just to qualify, and even then, the "bonus" is a pathetic R200. (Previsouly R1000)

Second, HealthSaver funds build up over time, but accessing them has become a nightmare. They discontinued the physical card (claiming members preferred QR payments), forcing everyone to use QR codes only. Good luck finding doctors, specialists, or any medical practitioners who accept QR payments! We're sitting on thousands of rands in savings that we can't actually use for day-to-day medical expenses, so we still pay out of pocket.

Finally, customer support is nonexistent. I emailed on 15 November, followed up on the 17th and again today (20th) — zero response. Crickets.

You pay premiums for a "rewards" system that's increasingly obsolete: unrealistic targets that exclude average people, and accumulated savings you can't spend where it matters most. Whoever at Multiply is making these decisions is completely out of touch with reality...