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.
$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.
Comparison of Woolworths Credit Cards
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.
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:
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.
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:
- 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.
- 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.