Woolworths Credit Cards

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Earn Qantas Points or supermarket rewards for your everyday spending with a Woolworths credit card.

Woolworths credit cards offer you points for every $1 spent on eligible purchases and can be used anywhere Visa is accepted. This means you can earn either Qantas Points or credit card reward points for all your eligible spending – not just at Woolworths but everywhere else. Depending on the card you choose, you could also enjoy platinum benefits, introductory 0% balance transfer offers and complimentary insurance.

As well as these benefits, Woolworths credit cards can also double as your Woolworths Rewards loyalty card, allowing you to earn Woolworths Rewards points when you shop and scan your membership barcode with a program partner. Use this guide to compare Woolworths credit cards, including the different rewards programs, benefits, features and costs. You can also learn how to apply for a Woolworths credit card and find answers to frequently asked questions so that you can decide if one of these cards is right for you.

Woolworths Credit Card Offer

Woolworths Everyday Platinum Credit Card

$0 annual fee for the first year

Offer ends 31 March 2018

Eligibility criteria, terms and conditions, fees and charges apply

Woolworths Credit Card Offer

A platinum credit card that offers special reward points, hundreds of dollars worth of discounts and platinum cardholder benefits. Also receive a $50 Woolworths eGift Card when you apply by 31 March 2018 and make an eligible purchase by 30 April 2018.

  • $0 p.a. annual fee for the first year ($49 p.a. thereafter).
  • 19.99% p.a. on purchases
  • Cash advance rate of 21.99% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $30,000 p.a.
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Comparison of Woolworths Credit Cards

Rates last updated February 21st, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
Woolworths Qantas Platinum Credit Card
20.49% p.a.
0% p.a. for 14 months
$99 p.a. annual fee for the first year ($169 p.a. thereafter)
Enjoy a 0% p.a. balance transfer offer for 14 months and a $99 first year annual fee.

Compare up to 4 providers

Types of credit cards from Woolworths

Woolworths offers two different reward credit cards. The Woolworths Qantas Platinum Credit Card earns Qantas Points for your spending, while the Woolworths Everyday Platinum Credit Card earns points that are automatically converted to cashback rewards in the form of Woolworths Shopping Cards. Depending on when you apply, these cards could also include introductory balance transfer offers or purchase rate offers, as well as a range of ongoing complimentary benefits. Here, you can find details of the different options you can choose from if you want a Woolworths credit card.

  • Balance transfer credit cards

Woolworths credit cards may come with 0% balance transfer offers for a promotional period, allowing you to repay your debts without the cost of interest. At the end of the introductory period, this 0% interest rate reverts to the standard variable interest rate for cash advances. Compare the offers in the comparison table and see how much money you can save on interest. Read our step-by-step guide to completing a balance transfer with Woolworths here.

  • Rewards credit cards

The Woolworths Everyday Platinum Credit Card is a platinum card that earns reward points for cashback at the supermarket. With this card, you'll collect between 1 and 3 points for every $1 you spend on eligible purchases. Your points will automatically be converted to cashback in the form of a Woolworths Shopping Card every four months, with a minimum of 4,000 points equal to a $20 Shopping Card.

The Woolworths Everyday Platinum also includes complimentary purchase security insurance and exclusive discounts at Woolworths Group retailers. You can also enjoy a bonus $50 Woolworths eGift Card when your new application is approved by 31 March 2018 and you make an eligible purchase on the card by 30 April 2018.

Learn more about Rewards Credit Cards

  • Frequent flyer credit cards

The Woolworths Qantas Platinum Credit Card allows you to earn Qantas Points for your everyday purchases made anywhere the card is accepted. This card offers 1 Qantas Point for every $1 spent, up to $2,500 within a statement cycle. After that, you earn 0.5 point per $1 for the remainder of that statement period.

Other benefits include complimentary travel insurance, a concierge service and exclusive discounts at Woolworths Group retailers. Remember, you can also earn additional Qantas Points per $1 spent when you link your Woolworths Rewards account to your Qantas Frequent Flyer account and opt-in to earn Qantas Points for your shopping at Woolworths.
Learn more about Frequent Flyer Credit Cards

Standard and platinum Woolworths credit cards

If you're approved for a credit limit of $6,000 or more, you'll be able to enjoy more benefits with a Woolworths Everyday Platinum and Woolworths Qantas Platinum credit card. But if you're approved for a credit limit of less than $6,000, you will be issued with a Woolworths Everyday Card that does not offer platinum benefits.

  • Low rate and low fee credit cards

The Woolworths Everyday Platinum credit card offers a standard annual fee of $49 that's competitive when compared to other reward credit cards.
Learn more about Low Rate Credit Cards

  • The benefits of Woolworths credit cards

Some of the perks you can enjoy with a credit card from Woolworths include:

      • Woolworths Rewards

By linking your Woolworths Rewards card with a Woolworths credit card, you can enjoy collecting rewards points when you make purchases. This loyalty program offers points for every $1 spent at participating Woolworths stores, including BWS. You have the option of redeeming points for money off your shop at Woolworths or transferring them to your Qantas Frequent Flyer account.

      • Earn more Qantas Points when you spend

If you're a member of Woolworths Rewards and choose to earn Qantas Points instead of Woolworths points, you'll get 870 frequent flyer points for every 2,000 Woolworths points you earn. Apply for the Woolworths Platinum Qantas Credit Card and you can also rack up Qantas Points per $1 spent on all eligible purchases.

      • $50 Woolworths eGift Card offer

You can enjoy a $50 Woolworths eGift Card when your application is approved for the Woolworths Everyday Platinum Credit Card by 31 March 2018 and an eligible purchase is made on the Woolworths Credit Card by 30 April 2018.

      • Visa cards – contactless shopping and protection from fraud

Woolworths credit cards come with Visa benefits including worldwide acceptance, contactless payment options and fraud protection services.

      • Discounts and extras

Receive discounts and exclusive offers from brands such as Woolworths Online, Woolworths, Dine Play Stay, Cellarmasters, Wine Market, Thomas Dux and Hoyts Kiosk. You can also discover more discounts with our Woolworths coupon codes.

      • Platinum benefits

If you're approved for a credit limit of $6,000 or more, your Woolworths credit card will give you access to platinum benefits such as access to the Visa Luxury Hotel Collection, a 24/7 platinum concierge service and complimentary insurance.

  • Woolworths credit card online account

Check your balance, make payments and manage your Woolworths credit card account on-the-go through the Woolworths credit card website or via the Woolworths Money app.

How to apply for a Woolworths credit card

You can apply for a Woolworths credit card online in around 15 minutes. Before you get started, make sure you meet the application requirements for your chosen card and have all the relevant documents and details handy. This varies between the cards but generally includes the following:

Eligibility criteria

  • Age. You must be at least 18 years of age to apply for a credit card.
  • Minimum income requirements. You must meet the minimum income listed for your chosen Woolworths credit card.
  • Residency status. You must be an Australian citizen, permanent resident of Australia or a temporary resident with a valid, eligible visa to apply for a Woolworths credit card. Note that additional requirements may apply if you are a temporary resident.

Required information

  • Personal information. As well as some basic information about yourself, have your driver's licence handy. You may also be required to verify your identity by providing 100 points of identification.
  • Income and employment details. You’ll need to input information about your income and employer. You may also be asked to provide proof of your income. For example, by submitting copies of your most recent payslips.
  • Balance transfer details. If you want to save money on credit card repayments with a balance transfer, you’ll need the credit card you want to transfer from close by when you apply for the Woolworths credit card.

Frequently asked questions

If you want to know more about Woolworths credit cards, you can check out answers to these frequently asked questions. If you still can’t find an answer to your question, get in touch with us by leaving a comment below.

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219 Responses

  1. Default Gravatar
    HHJuly 29, 2017

    Hi,

    If I withdraw cash abroad and want to avoid paying interest. Can I just pay a lump sum off to my credit card before withdrawing the money? Thanks

    • Staff
      ArnoldJuly 30, 2017Staff

      Hi HH,

      Thanks for your inquiry.

      Any withdrawal from your account will be considered as a Cash Advance which will incur a fee amounting to $5 or 3% of the value of the transaction, whichever is the greater, applies to each cash advance made on your account, debited to your account at the time of the cash advance.
      Please you’ll still be charged cash advanced FEE but not cash advance interest

      Hope this information helped.

      Cheers,
      Arnold

  2. Default Gravatar
    BFJuly 27, 2017

    Who provides credit for my application?

    • Staff
      HaroldJuly 28, 2017Staff

      Hi BF,

      Thank you for your inquiry.

      If you applied for a Woolworths credit card but didn’t hear anything about your application, call the Customer Service team on 1300 10 1234 and follow the prompts to speak to a representative. You may also want to check the junk folder in your email as it can sometimes get tagged as spam.

      I hope this information has helped.

      Cheers,
      Harold

  3. Default Gravatar
    P.February 21, 2017

    How do I cancel my woolworths credit card?

    • Staff
      LouFebruary 21, 2017Staff

      Hi P.B,

      Thanks for your question.

      You may refer to this page for our guide on how to properly close or cancel a credit card.

      Cheers,
      Anndy

  4. Default Gravatar
    PamJanuary 10, 2017

    Can I use a Woolworths credit anywhere not just a Woolworths store

    • Staff
      MayJanuary 10, 2017Staff

      Hi Pam,

      Thanks for your question.

      Yes, definitely. Aside from Woolworths store, you can also use your Woolworths credit card when purchasing online, over the phone, etc.

      Cheers,
      May

  5. Default Gravatar
    JulieJuly 3, 2016

    How do I log or ( where do I) log onto the Internet to access my credit card balance before I get my statement.

    • Staff
      ChesterJuly 12, 2016Staff

      Hello Julie,

      You may access your Woolworths Credit Card by going to this link. Click here All you need to enter in is your login ID and password for you to successfully login to your online account.

      I hope this helps.

      Cheers!
      Chester

  6. Default Gravatar
    DonnaJune 24, 2016

    What is considered an eligible purchase

    • Staff
      LouJune 24, 2016Staff

      Hi Donna,

      Thanks for your question.

      Eligible purchases are purchases for goods and services but excluding returns and other credits. Eligible purchases do not include balance transfers, cash advances, cash substitutes and transactions for gambling purposes.

      Cheers,
      Anndy

  7. Default Gravatar
    JohnApril 26, 2016

    I have recently upgraded from Gold to Black and was told that I could continue using the old card until it expires. This seems to defeat the object of upgrading as I will only use the Black card in future. Will I be paying two monthly subscriptions until the old card expires even though I am not using it? Also, what happens to my existing accumulated reward points? Thank you.

    • Staff
      JonathanMay 13, 2016Staff

      Hi John, thanks for your inquiry.

      With credit card upgrades generally the old card is no longer effective when the new card arrives. There should not be any duplication resulting in paying two monthly subscriptions as both cards are under the one credit card account. Existing accumulated reward points will still remain on your account. For more information regarding your upgrade it would be best to contact Woolworths directly on 1300 10 1234.

      I hope this helps.

      Cheers,

      Jonathan

  8. Default Gravatar
    debraFebruary 26, 2016

    Can I continue my application?

    • Staff
      SallyFebruary 26, 2016Staff

      Hi Debra,

      Thanks for your question.

      Just to confirm, you have come through to finder.com.au not Woolworths. If you began your application, there should’ve been an option to save it so you could continue working on it later if you needed to. If not, you might need either contact Woolworths directly to confirm whether you can continue your application or whether you need to start again.

      Cheers,

      Sally

  9. Default Gravatar
    cmjmNovember 11, 2015

    how do i sign up for a rewards card via the internet

    • Staff
      YsaNovember 11, 2015Staff

      Hi cmjm,

      Thanks for your inquiry.

      You can register for a new Woolworths rewards card on this page.

      I hope this helps.

      Cheers,
      Ysa

  10. Default Gravatar
    hamedSeptember 21, 2015

    hi
    I bought a prepaid Master card today and I lost it. I have the receipt still with me. not sure who to contact.

    Hamed

    • Staff
      JonathanSeptember 21, 2015Staff

      Hi Hamed, thanks for your question!

      Please note that you have reached finder.com.au a comparison service and not Woolworths. I have sent the contact details for Woolworths to your email address.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated February 21st, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
Westpac Low Rate - Online Offer
13.49% p.a.
0% p.a. for 30 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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