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Payments explained

When you apply for a Prime membership with Vitality, you set up a Direct Debit with etika Finance UK Ltd for £7.90 each month for a maximum of 10 months.

Who do I speak to about my payments?

etika Finance UK Ltd is responsible for taking your Direct Debit payments.

If you have any queries or questions about your Direct Debit payments, you can sign in to your etika account to view your balance and payment history or visit their website for contact information. 

Payments and Vitality activity points

You’ll pay either £0 or £7.90 per month, depending on your monthly activity.

To have your membership contributions fully funded by Vitality, you need to earn 160 Vitality activity points every month and stay with us for the entire purchase period.


Stanley takes out an eligible VitalityHealth plan. He buys a compatible activity tracker and takes out the Prime membership reward, with £0 to pay upfront.

After completing his Health Review in month one, by month two he’s tracking his steps on an activity device and is earning Vitality activity points. At the end of month two, he’s earned 160 activity points. We apply the points he’s earned in month two, so he doesn’t have to contribute £7.90 in month three, because Vitality pays it for him as a reward. 

In month three he pulls a muscle, which means he only earns 100 activity points. In month four he contributes £7.90. But the 100 points he earned in month three roll over to month four.

Back to full fitness in month four, Stanley easily earns the remaining 60 activity points he needs to reach 160 activity points for this month, and so gets his Prime membership reward in month five. He carries on earning 160 points a month, so he doesn’t make any further contributions towards his Prime membership for this year.

Stanley’s stayed active and earned Prime rewards, so he renews his Prime membership with Vitality.

   Month 1  Month 2  Month 3  Month 4  Month 5  Month 6
 Points earned  Join and set up  160 160 100 100 + 60 160
 Points rolled over n/a No No Yes No No
 Payments n/a n/a £0 £0 £7.90 £0

Frequently asked questions

How can I check my Vitality activity points towards my payments?

Once you’ve started earning Vitality activity points towards your Prime membership through Vitality reward, you can see a detailed breakdown of which points count towards your reward on the Vitality Member app. You can view your overall Vitality points in Member Zone online. 

You can view your Vitality points statement from the Vitality Member app by tapping on ‘My Weekly Activity’ and then ‘View Plan Points Statement’. 

In Member Zone online, simply log in and navigate to ‘Partners and rewards’, click on Amazon Prime and your progress so far will be shown in the right hand sidebar.

How do I query my Vitality activity points towards my payments

If you’ve checked your Vitality points statement and you believe there’s been an error, please send us a secure message in Member Zone and we’ll investigate for you.

To get in touch, navigate to the 'My Points' page and select 'report missing points'. From here, you'll be able to use our Missing Points guide and get in touch if needed.  

Remember if you’re tracking multiple activities a day – for example both steps and heart rate workouts – the Vitality Member app will only reward activity points for the one daily activity with the highest points earned.

What’s the Vitality contribution to payments?

When you take out a credit agreement with etika Finance UK Ltd, you agree to contribute £7.90 a month for a maximum of 10 months for your Prime membership. Vitality offers you the opportunity to earn Vitality activity points to reduce your contribution to £0 a month. The Vitality contribution therefore refers to the payment made towards your monthly Direct Debit with etika Finance UK Ltd, which is earned from your Vitality activity points.

You can view the Vitality contribution to your payments in the ‘Partners and rewards’ section of Member Zone, or in the Prime membership benefit area of the Vitality Member app.

Let’s take an example:

The maximum monthly contribution for Prime membership with Vitality is £7.90.

If you’ve earned less than 160 Vitality activity points in the month, you’ll contribute £7.90 the following month. The Vitality contribution is therefore £0.

To reduce your monthly contribution to £0, the Vitality contribution would need to be £7.90 based on you earning 160 Vitality activity points in the month.

Your first Direct Debit payment will be taken on the 19th of the following month after your activity month, so if you didn’t earn 160 Vitality activity points in February, your Vitality contribution is £7.90 and your Direct Debit from etika Finance UK Ltd will be £7.90 on the 19th March.


What happens if I cancel my plan or I leave my company scheme?

If you cancel your plan or leave your company scheme, your credit agreement will continue with etika Finance UK Ltd. As you won’t be earning Vitality activity points, your monthly Direct Debit payments will switch to the maximum contribution of £7.90 per month for the remaining period of your credit agreement.

Do I need to complete an online Health Review in the second year of my plan to keep earning Vitality points towards my payments?

No, as long as you complete an online Health Review in the first year, you’ll continue to be eligible for Vitality activity points towards your contributions in the second year.