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What I didn't add, but will do another review in the near future. Momentum/Multiply rewarded its members with more Multiply points in relation of how long the member has had the product/s with Momentum which sounds in principle and theory like a very noble thing, but in practice it is not and let me explain why.

I've gone through my points recon in the past couple of years and I got to Private Club from 2017 and I've seen a lot of changes which has benefit Momentum more than its member which makes sense, they are a business. What have disgusted me is the fact that Momentum has made it near impossible to stay on Private Club, every year it gets more difficult. I only had the Medical Aid and Household insurance with Momentum in 2017 and got to Private Club, but every year onwards I had to get more and more products so that I can stay on Private Club (at the moment I have 6 products). Even though I have 6 products and I get more points for every additional year I have the product/s, Momentum has cut the points for the products by +-150 points (35.7%) from 2020 to 2021, that is without the fact that I should get more points for the products as time goes on so technically the points cut by Momentum is than 150 points.... that is absolute ****************.

Of course, Momentum wins if more members can't reach Private Club, cause then they pay less to their partners etc and the members' products gets more expensive so Momentum wins on both fronts. Absolutely disgusted by what Momentum has done, taking away more than 150 points from one year to the next so that people can't get to Private Club.