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Woolworths Credit Cards

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

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Woolworths credit cards offer reward points as well as other exclusive perks, such as 10% off your grocery shop at Woolworths once a month and Visa Offers + Perks. Depending on the card, you could also enjoy platinum benefits, introductory balance transfer offers and complimentary insurance.

Woolworths credit cards can be used anywhere Visa is accepted, giving you a way to earn points for most of your everyday spending. 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 to decide if one of these cards is right for you.

Comparison of Woolworths Credit Cards

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 annual fee for the first year ($49 p.a. thereafter)
Save with a 0% p.a. on balance transfers for 14 months and a $0 first-year annual fee.
Woolworths Qantas Platinum Credit Card
20.49% p.a.
0% p.a. for 14 months
$99 annual fee for the first year ($169 p.a. thereafter)
Enjoy a 0% p.a. balance transfer offer for 14 months and a discounted $99 first year annual fee. Plus, complimentary overseas travel insurance.

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Types of credit cards from Woolworths

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.

Rewards credit cards

The Woolworths Everyday Platinum Credit Card earns 3 credit card points per $1 spent on Woolworths Select and Woolworths brand products, 2 points per $1 on purchases at Woolworths Supermarkets, BWS, Dan Murphy’s, Cellarmasters, Big W and participating Caltex Woolworths fuel outlets and 1 point per $1 spent for all other eligible purchases. These credit card points are automatically converted to Woolworths Shopping Cards every 4 months, with a minimum of 4,000 points equal to a $20 shopping card you can use at participating Woolworths group stores.

The Woolworths Everyday Platinum also includes complimentary purchase security insurance and exclusive discounts at Woolworths Group retailers.

Frequent flyer credit cards

You can use the Woolworths Qantas Platinum Credit Card to earn Qantas Points on everyday purchases. This card offers 1 Qantas Point for every $1 spent at Woolworths Group stores and 0.5 points per $1 spent on other eligible purchases.

Other benefits include complimentary travel insurance, a concierge service and exclusive discounts at Woolworths Group retailers. You can also earn additional Qantas Points when you link your Everyday Rewards account to your Qantas Frequent Flyer account and opt-in to earn Qantas Points for your shopping at Woolworths.

Balance transfer credit cards

Save on interest costs and repay an existing debt faster with a Woolworths credit card that offers a low or 0% introductory balance transfer rate. At the end of the introductory period, any remaining debt will attract the card's standard cash advance interest rate. You can compare the different balance transfer offers in the table above and see Finder's step-by-step guide to completing a balance transfer with Woolworths for more details.

Low fee credit cards

Woolworths credit cards sometimes offer promotional $0 or reduced annual fees in the first year. You can compare the annual fees in the comparison table above for the latest offers. When looking at the rewards and frequent flyer credit cards, the standard annual fees are often competitive when compared to other cards in this category.

The benefits of Woolworths credit cards

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

  • Get 10% off at Woolworths once per month on selected dates

Each month, you'll receive an email regarding the offer period to get 10% off your shop at Woolworths when you scan the barcode on the back of your credit card and pay with it. This offer is available for spending up to $500, which means you can get a maximum of $50 off your shop. Keep in mind that this offer is not available in Tasmania and also excludes spending on certain items. You can also discover more discounts with our Woolworths coupon codes.

  • Everyday Rewards

If you link your Everyday Rewards account with a Woolworths credit card, you can also use it to collect Everyday Rewards points when you shop at participating Woolworths, BWS and Big W stores, as well as at participating Caltex Woolworths fuel outlets. All you'll have to do is scan the membership barcode on the back of your credit card before paying for your shopping to earn points for your Everyday Rewards account. This is in addition to the Qantas Points or credit card points you earn when paying with your credit card.

  • Earn more Qantas Points when you spend

If you're a member of Everyday Rewards and choose to earn Qantas Points instead of Everyday Rewards points, you'll get 1,000 frequent flyer points for every 2,000 Everyday Rewards 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.

  • Enjoy 50% off selected wine cases at Cellarmasters

Pick a selected white, red or mixed case and pay for it online using your Woolworths credit card to take advantage of 50% off the regular price. Note that delivery charges will still apply.

  • Save with up to 10% off Woolworths Insurance

Use your Woolworths credit card to pay for a new Woolworths Car, Home, Pet or Travel Insurance policy to save up to 10% on the cost. When you're signing up for the policy, you'll also need to enter the first six digits of your credit card number in the promo code field. You can then enjoy the applicable discount for the life of the policy, as long as you pay with your valid Woolworths credit card.

  • Visa features and benefits

Woolworths credit cards come with Visa benefits including exclusive entertainment and ticket offers through Visa Entertainment, as well as shopping, dining and travel offers through Visa Offers + Perks. You can also enjoy Visa's worldwide acceptance, contactless payment options and fraud protection services.

  • Travel perks

Your Woolworths credit card will give you access to platinum benefits including exclusive hotel offers and perks through Visa's Luxury Hotel Collection, a 24/7 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.

  • Apple Pay

Add a Woolworths credit card to your Apple Pay account and you can make contactless payments straight from your mobile device.

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 about Woolworths credit cards

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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221 Responses

  1. Default Gravatar
    GoldNovember 12, 2018

    can i send my sister to buy or withdraw cash with my Woolworths gold credit card?

    • Default Gravatar
      NikkiNovember 12, 2018

      Hi there,

      Thanks for getting in touch. It is essentially advisable to manage your own personal accounts and it will be your own sole decision to entrust it with other people.

      Hope this clarifies!


  2. Default Gravatar
    HHJuly 29, 2017


    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

    • Default Gravatar
      ArnoldJuly 30, 2017

      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.


  3. Default Gravatar
    BFJuly 27, 2017

    Who provides credit for my application?

    • Avatarfinder Customer Care
      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.


  4. Default Gravatar
    P.February 21, 2017

    How do I cancel my woolworths credit card?

    • Avatarfinder Customer Care
      DeeFebruary 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.


  5. Default Gravatar
    PamJanuary 10, 2017

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

    • Avatarfinder Customer Care
      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.


  6. 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.

    • Default Gravatar
      ChesterJuly 12, 2016

      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.


  7. Default Gravatar
    DonnaJune 24, 2016

    What is considered an eligible purchase

    • Avatarfinder Customer Care
      DeeJune 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.


  8. 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.

    • Avatarfinder Customer Care
      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.



  9. Default Gravatar
    debraFebruary 26, 2016

    Can I continue my application?

    • Avatarfinder Customer Care
      SallyFebruary 26, 2016Staff

      Hi Debra,

      Thanks for your question.

      Just to confirm, you have come through to 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.



  10. Default Gravatar
    cmjmNovember 11, 2015

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

    • Avatarfinder Customer Care
      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.


Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard - Exclusive Offer
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
Finder Exclusive. Ends 29 October 2020
Save on new and existing interest charges with 0% interest on both balance transfers and purchases for the first 12 months.
Qantas American Express Premium Card
20.74% p.a.
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards 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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