Woolworths Credit Cards

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Compare credit cards from one of Australia’s largest supermarket chains and save money on your next grocery shop.

Woolworths is known as one of Australia’s largest and most frequented supermarket chains, serving over 18 million customers every week. The supermarket giant also offers a range of financial services and products through Woolworths Money, including credit cards.

The range of Woolworths credit cards are designed to offer value through rewards programs, exclusive offers and complimentary extras. They can also double as Woolworths Rewards loyalty cards, to offer more benefits when you shop at Woolworths Group stores. Here, we compare Woolworths credit cards and have a look at their different benefits and features. We also include details of how to apply for a Woolworths credit card and answer to frequently asked questions so that you can decide of one of these products is right for you.

Comparison of Woolworths Credit Cards

Rates last updated December 8th, 2016.

Woolworths Money Qantas Platinum Credit Card

10,000 bonus Qantas Points + balance transfer offer have been extended until 31 January 2017.

October 1st, 2016

Woolworths Money Everyday Platinum Credit Card

$50 Woolworths Dollars, BT & annual fee offers have been extended until 31 January 2017.

October 1st, 2016

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Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Woolworths Money Everyday Platinum Credit Card
Receive a $50 eGift Card with a $0 annual fee for the first year if you apply by 31 January 2017. Also get 0% p.a. for 14 months on balance transfers and earn up to 3 reward points per $1 spent.
19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) More info
Woolworths Money Qantas Platinum Credit Card
Receive 10,000 bonus points on eligible purchases, earn 1 Qantas Point per $1 spent, plus extra points if you spend through Everyday Rewards partners such as Woolworths.
20.49% p.a. 0% p.a. for 14 months $99 p.a. annual fee for the first year ($169 p.a. thereafter) More info

Types of credit cards from Woolworths

Woolworths Money, the finance division of Woolworths, offer two different credit cards to suit Woolworths shoppers. The Qantas Platinum Credit Card is a direct-earn frequent flyer credit card offering Qantas Points for your spending, while the Woolworths Money Everyday Platinum Credit Card provides cash back in the form of Woolworths Money Shopping Cards. In addition to these credit options, Woolworths Money also provides a range of prepaid cards and gift cards.

  • Balance transfer credit cards

Woolworths offers extended balance transfer promotions, with 0% interest on balances transferred to a new Woolworths credit card at the time of your application. 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 table below and see how much money you can save with a new Woolworths credit card. Read our step-by-step guide to completing a balance transfer with Woolworths here.

Rates last updated December 8th, 2016
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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Woolworths Money Everyday Platinum Credit Card
Receive a $50 eGift Card with a $0 annual fee for the first year if you apply by 31 January 2017. Also get 0% p.a. for 14 months on balance transfers and earn up to 3 reward points per $1 spent.
0% p.a. for 14 months 19.99% p.a. $0 p.a. annual fee for the first year ($49 p.a. thereafter) More info
Woolworths Money Qantas Platinum Credit Card
Receive 10,000 bonus points on eligible purchases, earn 1 Qantas Point per $1 spent, plus extra points if you spend through Everyday Rewards partners such as Woolworths.
0% p.a. for 14 months 20.49% p.a. $99 p.a. annual fee for the first year ($169 p.a. thereafter) More info
Rates last updated December 8th, 2016
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offers 0% p.a. interest rate on balance transfers for 18 months to help you manage your existing credit card balance with a reduced annual fee in the first year.
0% p.a. for 18 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $149 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 12 months 0% p.a. for 3 months (reverts to 19.74% p.a.) $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months with a one off 3% balance transfer fee 0% p.a. for 15 months (reverts to 13.99% p.a.) $59 p.a. Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months with a one off 3% balance transfer fee 0% p.a. for 15 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a long term balance transfer plus a $100 cashback offer (spend criteria applies) and never pay an annual fee for this card.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info
Westpac Low Rate Card
A no frills credit card with an introductory rate of 0% p.a. for 16 months on balance transfers and 1% p.a. for 12 months on purchases.
0% p.a. for 16 months 1% p.a. for 12 months (reverts to 13.49% p.a.) $59 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
0% p.a. for 12 months with 1% balance transfer fee 14.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
BankSA Vertigo Visa
A low interest rate card with a low annual fee, a long term balance transfer offer of 0% p.a. for 18 months and an introductory offer of 1% p.a. for 12 months on purchases.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Citi Simplicity Card
Take advantage of the 0% p.a. for 9 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cashback on retail purchases.
0% p.a. for 9 months 19.99% p.a. $0 p.a. Go to site More info
  • Rewards platinum credit card

The Woolworths Money Everyday Platinum Credit Card is a platinum rewards card that earns Everyday Rewards Points. Every four months, these points are automatically converted to cash back in the form of a Woolworths Money Shopping Card. It also includes perks such as complimentary purchase security insurance and exclusive discounts at Woolworths Group retailers.

Rewards credit cards can be compared by their earn rate, the annual fee, the opportunity to earn bonus points and any special offers, like a balance transfer promotion. New cardholders also enjoy a bonus $50 Woolworths eGift Card when a new application is approved by 31 January 2017 and an eligible purchase is made on the Woolworths Money Credit Card by 28 February 2017.

Rates last updated December 8th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Woolworths Money Everyday Platinum Credit Card
Receive a $50 eGift Card with a $0 annual fee for the first year if you apply by 31 January 2017. Also get 0% p.a. for 14 months on balance transfers and earn up to 3 reward points per $1 spent.
VISA/MC: 1 AMEX: 0 No 19.99% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($49 p.a. thereafter) More info
Rates last updated December 8th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
Yes 0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months and a low 0% p.a. for 18 months on balance transfers. Receive a free Virgin Australia $129 Gift Voucher each year. Available from mid-2016.
VISA/MC: 0.66 AMEX: 0 No 20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
VISA/MC: 0 AMEX: 0 Yes 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
VISA/MC: 1 AMEX: 0 Yes 19.99% p.a. $199 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Rewards Credit Card - Platinum Card
Enjoy a long term balance transfer offer and earn 1.25 Citi Reward Points on per $1 spent for all domestic purchases.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 24 months with 1.5% balance transfer fee $199 p.a. annual fee for the first year ($249 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $195 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
VISA/MC: 0 AMEX: 0 Yes 1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
VISA/MC: 1 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 6 months $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $349 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
VISA/MC: 0.5 AMEX: 1.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
VISA/MC: 1 AMEX: 2 Yes 20.24% p.a. $225 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
VISA/MC: 0 AMEX: 1 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $249 p.a. Go to site More info
Citi Rewards Platinum Card - Cashback Offer
Earn $250 cashback on eligible spend, plus enjoy 0% p.a. balance transfer offer for 12 months, discounted annual fees for the life of the card and a complimentary travel insurance.
VISA/MC: 1.25 AMEX: 0 Yes 20.99% p.a. 0% p.a. for 12 months $99 p.a. annual fee for the first year ($199 p.a. thereafter) Go to site More info
American Express Platinum Card
Receive 100,000 Membership Rewards Bonus Points when you meet the minimum spend requirement and earn up to 3 points per dollar spent. Gain access to travel insurance, $300 Platinum Travel Credit every year and access to 900 VIP airport lounges.
VISA/MC: 0 AMEX: 1 Yes $1,200 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
An interest-free period on both purchases and balance transfers.
VISA/MC: 0.66 AMEX: 0 No 0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
VISA/MC: 1 AMEX: 0 Yes 20.74% p.a. 1.9% p.a. for 15 months $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info

Learn more about Rewards Credit Cards

  • Frequent flyer credit cards

The Woolworths Qantas Platinum Credit Card gives you a way to earn Qantas Frequent Flyer points on everyday purchases. This card offers 1 Qantas Point for every dollar spent for the first $2,500 within a statement cycle, and 0.5 points for every dollar spent after that. Other benefits include complimentary travel insurance, a concierge service and exclusive discounts at Woolworths Group retailers.

You can compare frequent flyer credit cards by their earn rate, annual fee, value-adding features, and also opportunities to earn bonus points. Promotions like a reduced annual fee or bonus frequent flyer points in the first year can sweeten the deal as well. Remember, you can also earn more Qantas Points per $1 spent when you link your Woolworths Rewards account with your Qantas Frequent Flyer account and opt to earn Qantas Points for your shopping at Woolworths.

Rates last updated December 8th, 2016
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
Woolworths Money Qantas Platinum Credit Card
Woolworths Money Qantas Platinum Credit Card
10,000 bonus points 1 0 $99 p.a. annual fee for the first year ($169 p.a. thereafter) More info
Rates last updated December 8th, 2016
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
60,000 bonus points 1 0 $199 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
75,000 bonus points 0.75 1.5 $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
American Express Essential Credit Card
American Express Essential Credit Card
1 $0 p.a. Go to site More info
American Express Explorer Credit Card
American Express Explorer Credit Card
100,000 bonus points 2 $395 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
NAB Qantas Rewards Premium Card - Exclusive Offer
75,000 bonus points 0.5 1.5 $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66 0 $129 p.a. Go to site More info
American Express Platinum Edge Credit Card
American Express Platinum Edge Credit Card
10,000 bonus points 0 1 $195 p.a. Go to site More info
American Express Velocity Platinum Card
American Express Velocity Platinum Card
50,000 bonus points 0 1 $349 p.a. Go to site More info
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
100,000 bonus points 0 1 $450 p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 bonus points 0 1 $0 p.a. Go to site More info
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
50,000 bonus points 0.5 1.5 $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
ANZ Frequent Flyer
ANZ Frequent Flyer
25,000 bonus points 0.5 1 $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
30,000 bonus points 1 0 $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Qantas Premium Card
American Express Qantas Premium Card
30,000 bonus points 0 1 $249 p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
7,500 bonus points 0 1 $0 p.a. Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
25,000 bonus points 0.5 1.5 $250 p.a. Go to site More info
Emirates Citi World MasterCard
Emirates Citi World MasterCard
40,000 bonus points 1 0 $149 p.a. annual fee for the first year ($299 p.a. thereafter) Go to site More info
Learn more about Frequent Flyer Credit Cards
  • Low rate and low fee credit cards

The Woolworths Staff Credit Union Credit Card is available to both Woolworths employees and all other eligible Australians. This card has a competitive rate on purchases and cash advances, but it could also be classified as a no annual fee credit card too.

Rates last updated December 8th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Woolworths Employees Credit Union Visa Credit Card
A basic low interest and rate and no annual fees credit card with interest free period up to 55 days.
13.45% p.a. $25 p.a. Up to 55 days on purchases More info
Rates last updated December 8th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Learn more about Low Rate Credit Cards
 
Rates last updated December 8th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with $0 annual fee for the life of the card.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Up to 55 days on purchases Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Also, receive complimentary airport lounge access and 24/7 concierge service.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Up to 55 days on purchases Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Up to 55 days on purchases Go to site More info
Virgin No Annual Fee Credit Card
No annual fee credit card with $100 cashback and a long term low rate balance transfer offer of 0% p.a. for 18 months with 2% balance transfer fee. Spend criteria applies for cashback offer.
18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 p.a. Up to 44 days on purchases Go to site More info
American Express Qantas Discovery Card
Earn up to 7,500 bonus Qantas Frequent Flyer points, plus take advantage of no annual fee for the life of the card. Earn 1 Qantas Frequent Flyer point per $1 spend.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 44 days on purchases Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) Up to 55 days on purchases Go to site More info
28 Degrees Platinum MasterCard
No annual fee for life, up to 55 days interest-free on purchases and no foreign transaction fees.
21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Up to 55 days on purchases Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 44 days on purchases Go to site More info
ANZ First Student Card
An ideal credit card for students with 44 days interest-free on purchases with $0 annual fee in the first year. Access your account on the go with the goMoney™ app.
19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Up to 44 days on purchases Go to site More info
Citi Simplicity Card
Pay no annual fee to ever, plus receive access to complimentary purchase insurance and the Citibank Dining Program.
19.99% p.a. 0% p.a. for 9 months $0 p.a. Up to 55 days on purchases Go to site More info
ANZ Frequent Flyer
Receive 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Plus enjoy a waived annual fee for the first year.
19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Up to 44 days on purchases Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Up to 55 days on purchases Go to site More info
 
  • Prepaid credit cards

Prepaid cards give you access to electronic payments while spending your own money. There are no credit checks, so compare these cards by any initial cost to own and charges to reload.

The benefits of banking with Woolworths

      • Woolworths Rewards

This loyalty program offers points for every $1 spent at participating Woolworths, BWS and Caltex Woolworths fuel outlets. You have the option of redeeming points for money off your shop at Woolworths or transferring them to your Qantas Frequent Flyer account. By linking your Everyday Rewards card with a Woolworths credit card, you can also score more Everyday Rewards Points when you make purchases.

      • 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 work. Link the Woolworths Platinum Qantas Credit Card, and you can also rack up Qantas Points just by going about your daily shopping.

      • $50 Woolworths eGift Card

New cardholders receive a $50 Woolworths eGift Card when a new application is approved for the Woolworths Money Everyday Platinum Credit Card by 31 January 2017 and an eligible purchase is made on the Woolworths Money Credit Card by 28 February 2017.

      • Visa cards – contactless shopping and protection from fraud

Visa cards protect you from fraud when you shop online or over the counter, they let you make contactless transactions for purchases under $100 and they’re accepted in millions of shops and at ATMs all over the world.

      • Discounts and extras

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

      • Platinum benefits

The Woolworths Money Everyday Platinum Credit Card offers benefits including Visa Luxury Hotel Collection Access, complimentary purchase insurance and Wallet Guard and a 24/7 Platinum concierge service. Meanwhile, with the Woolworths Money Qantas Platinum card, provides Visa Luxury Hotel Collection Access, a 24/7 Platinum concierge service and six complimentary insurance covers, including travel insurance.

How to apply for a Woolworths credit card

Follow the links on this page to start a secure online credit card application on the Woolworths website. The application will only take you 10 to 15 minutes to complete if you have the following information ready:

Required information

  • Personal information. As well as some basic information about yourself, have your driver's license handy. If you can’t meet the online verification requirements you may be required to verify your identity by providing 100 points of identification. If this is the case, Woolworths will contact you about their conditions.
  • 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 to Woolworths. For example, by sending them 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. The application also requires you to list your ongoing expenses like rent or mortgage repayments, child support and your weekly food budget.

Frequently asked questions

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

What if I forget my PIN?

If you can't remember the PIN that Woolworths Money has issued for your credit card, call the customer contact centre on 1300 10 1234. Note that you may be required to provide identification information to verify your account and card.

Is there instant approval for credit card applications?

Once you have completed your credit card application, Woolworths will provide you with a reference number and process your application within the next 10 business days. Woolworths may contact you if they require any further information regarding your application.

How do I check on my credit card application?

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.

What happens if my application has been declined?

You'll be informed in writing as well as by email if your credit card application is declined. <a href="https://www.finder.com.au/why-was-my-credit-card-application-declined" target="_blank">Credit card issuers are unable to tell you why an application has been rejected</a>, however, if it’s because of your credit file, you'll be notified of this and directed to further information.

How do I transfer my card debt to a Woolworths card with a balance transfer?

You can elect to transfer your non-Woolworths credit card or store card debt to a Woolworths credit card when you apply for the account online.

  • Balance transfers are accepted from other credit cards or store cards only
  • You can transfer from up to two other credit cards or store cards
  • The minimum amount you can transfer is $500 and the maximum amount is up to your available credit limit

If you're approved for the account, once your receive and activate the card the balance transfer will be automatically processed by Woolworths.

For existing customers:

  • Existing Woolworths account holders that want to transfer a balance from another credit card or store card will need to complete and send in a balance transfer request form. You can download this from the Woolworths website.
  • If your balance transfer to a Woolworths credit card is accepted, it can take up to 14 business days before the funds clear and you can see the balance in your account.

When do I get my first credit card statement?

Your statement is issued within five weeks of the first transaction you make on your Woolworths credit card. If you have requested a balance transfer, it counts as a transaction and is processed as soon as you activate your Woolworths credit card.

How do I get interest-free days on purchases?

If you can’t pay your Woolworths credit card balance in full when your statement is issued, you're required to pay back a small percentage of your total outstanding balance by the due date shown on your statement. This is called the minimum monthly repayment. You can find information about the minimum repayment for Woolworths credit cards on our review pages.

How do I make a repayment to my Woolworths credit card?

You can make a repayment to your Woolworths credit card in the following ways.

  • BPAY. If you're paying your Woolworths credit card from another institution's online banking facility, log in to your Internet banking and select BPAY from the payments and transfers menu. You will need to enter the BPAY Biller Code 017574 and your Customer Reference Number, which is your account number. BPAY payments can take up to two business days to process.
  • Direct debit.You can set up a direct debit payment from your everyday transaction or savings account with another bank. You can set up a direct debit to pay just the minimum repayment due on your account, a fixed amount or the entire balance of your credit card. It can take up to five business days for a direct debit payment to be processed.
  • In person. You can also pay your credit card at a Woolworths supermarket with cash or a debit card. All you need to do is show your Woolworths credit card to a representative.
  • By mail. Send a cheque to Money Everyday Credit Cards PO Box 347 Artarmon, NSW 1570 and allow up to five business days for the cheque to be processed. You may also have to account for the time it takes for the cheque to be delivered in the post.

Can I use my Money Everyday Credit Card at an ATM and what fees are associated?

Yes. You can use your card to withdraw cash at any ATM worldwide that carries the MasterCard or PLUS logos. Cash withdrawals from ATMs are charged at the Cash Advance interest rate and will be charged from the withdrawal date. International ATM withdrawals incur a fee of A$2.50. Withdrawals at ANZ ATMs are free in Australia.

What happens if my credit card is about to expire?

Two weeks before your old card is about to expire a new card will be sent out to you in the mail. If, for whatever reason, you don’t get your card, you need to call Woolworths Money Customer Service on 1300 10 1234.

How do I find out my credit limit on my Woolworths credit card?

Your credit limit is how much money Woolworths will allow you to spend on your card. They use a calculation of your income, assets, debts and liabilities to find out how much you could afford to repay.

You can request a specific credit limit or you can request the maximum amount of credit you can get. If you want more credit, request a credit limit increase. Each request for more credit is judged by the same criteria, so don't expect to be granted more credit if you've taken the maximum amount and your circumstances have not changed.

You can request a credit limit increase by downloading the credit limit increase form available on the Woolworths website.

How do I get an additional card for a family member?

There's the option of applying for an additional cardholder during the online application for a Woolworths credit card. This can also be done after the application by downloading an additional cardholder application from the Woolworths Money website.

Each Woolworths credit card may allow you to get a different number of additional cardholders. You can find out more on our review pages. Supplementary cardholders must be over the age of 16 and an Australian resident. If you have a family member who is over the age of 18, they can also apply for a Woolworths credit card in their own name, providing they meet the eligibility requirements.

What do I do if I lose my card or it's stolen?

Report a lost or stolen card immediately to Customer Service on 1300 10 1234. Do this right away otherwise you may be liable for charges on the card if someone else tries to use it.

If you're overseas call +612 8276 0144. A fee may be charged to get your credit card sent out to you.

Who is the credit issuer for Woolworths credit cards?

Woolworths credit cards are underwritten by Macquarie Bank. This shouldn’t be something you need to consider when applying for a Woolworths credit card. However, this will be factor if you’re looking to transfer a balance to a Woolworths credit card from an existing Macquarie Bank credit card. For more information read our guide to find out which banks you can balance transfer to and from.

What’s the difference between Money Everyday and Everyday Rewards?

The Woolworths Money Everyday Platinum and Qantas Platinum are products that operate as credit facilities. You can use them to finance your day-to-day purchases or as an emergency source of cash.

The Everyday Rewards Card is a Woolworths product that you use to hold your fuel saving discounts, and earn Everyday Rewards Points when you spend at Woolworths Group stores.

Existing Everyday Rewards members can get more benefits by linking a Woolworths Money credit card to their account. You can do this by providing your Everyday Rewards account details when you apply for the Woolworths credit card. This will allow you to get money off at the fuel pump when you swipe your credit card, earn Everyday Rewards by scanning the back of your credit card and you get bonus points when you spend at Woolworths stores.

What is the Reloadable Prepaid MasterCard?

A prepaid MasterCard lets you spend your own money to shop online or in-store. They can be used everywhere Mastercard is accepted.

They're a budgeting tool that can also be used by people who have bad credit and want a hassle-free way to make electronic payments.

Can I get a Woolworths Prepaid Credit Card?

These cards are prepaid, there's no credit facility, and there's no credit checks. They are widely available to purchase in-store at Woolworths or Safeway.

Back to top

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211 Responses to Woolworths Credit Cards

  1. Default Gravatar
    Julie | July 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
      Chester | July 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.

      Cheers!
      Chester

  2. Default Gravatar
    Donna | June 24, 2016

    What is considered an eligible purchase

    • Staff
      Anndy | June 24, 2016

      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

  3. Default Gravatar
    John | April 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
      Jonathan | May 13, 2016

      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

  4. Default Gravatar
    debra | February 26, 2016

    Can I continue my application?

    • Staff
      Sally | February 26, 2016

      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

  5. Default Gravatar
    cmjm | November 11, 2015

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

    • Staff
      Ysa | November 11, 2015

      Hi cmjm,

      Thanks for your inquiry.

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

      I hope this helps.

      Cheers,
      Ysa

  6. Default Gravatar
    hamed | September 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
      Jonathan | September 21, 2015

      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

  7. Default Gravatar
    Brian | August 29, 2015

    If I have an average credit rating.. Should I even bother to apply?

    • Staff
      Sally | August 31, 2015

      Hi Brian,

      Thanks for your inquiry.

      As long as you meet the application requirements for a credit card you will be eligible to apply. You may like to refer to the following link for a guide on how to get your credit card application approved.

      However, before you apply for another credit card, you may wish to speak with some credit card issuers directly to discuss your options and chances for acceptance, as several rejected credit card applications will have a negative impact on your credit rate and reduce your chances of approval even further.

      I hope this has helped answer your questions.

      Thanks,

      Sally

  8. Default Gravatar
    nicole | August 13, 2015

    Why can’t I access my silver credit card for withdrawals or any purchases after their 12th of the month as it gives me a FICA reminder, so question being what the use of having a credit card that limits you to the earliest time of the month when u have money but when needed like yesterday I couldn’t unacceptable need feedback asap please my direct contact number is X

    • Staff
      Jonathan | August 14, 2015

      Hi Nicole, thanks for your question!

      Please note that you have reached finder.com.au a comparison service and not an actual bank/ lender. To allow us to assist you further could you please inform us to which credit card you are using/ which bank you are a member of?

      Cheers,

      Jonathan

  9. Default Gravatar
    ntombi | August 7, 2015

    I want to open a credit card what must i do cos i cant find it?

    • Staff
      Jonathan | August 10, 2015

      Hi ntombi,

      Thanks for your inquiry!
      Please note that finder.com.au is an online comparison service and is not directly affiliated with Woolworths.

      If you have decided this card suits your needs, you can apply for this credit card by pressing the ‘Go to Site’ button which will take you to a secure web-form which will allow you to complete your credit card application. The application will only take you 10 to 15 minutes to complete if you have the required information (identification, income and expenses) ready. The eligibility requirements for the credit card are also available at the bottom of the review page to help assess whether the card is suitable for you.

      I hope this has helped.

      Cheers,

      Jonathan

  10. Default Gravatar
    Katie | June 16, 2015

    I have a platinum Visa card which is now interest free for the amount that’s on there, if I were to take more money out will that amount be taken off first or last? If it’s taken off last then it’s accumulating interest while I pay off the interest free?

    • Staff
      Jonathan | June 17, 2015

      Hi Katie, thanks for your inquiry!

      In regards to interest repayments when there is an interest free amount/ promotional rate present on the credit card, repayments will go to the highest rate of interest repayable on that credit card then to the next highest rate of interest and so forth. As a result taking money out would qualify as a cash advance which would take the first priority for repayments unless there was a higher interest rate available.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated December 8th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

* 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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