Compare credit cards from one of Australia’s largest supermarket chains and save money on your next grocery shop.
Woolworths is one of Australia’s largest and most frequented supermarket chains, serving millions of customers every week. The supermarket giant also offers a range of financial services and products, including credit cards.
The range of Woolworths credit cards is designed to offer value through rewards programs, exclusive offers and complimentary extras. They also double as Woolworths Rewards loyalty cards, allowing you to earn points as you spend with Woolworths. 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 answers to frequently asked questions so that you can decide if one of these products is right for you.
Woolworths Everyday Platinum 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 $100 Woolworths eGift Card when you apply by 30 June 2017 and make an eligible purchase by 31 July 2017.
- $0 p.a. annual fee for the first year ($49 p.a. thereafter) annual fee
- 19.99% p.a. on purchases
- 0% p.a. for 14 months on balance transfers
- Cash Advance Rate of 21.99% p.a.
- Up to 55 days interest free
- Minimum Income Requirement of $20,000 p.a.
Comparison of Woolworths Credit Cards
Types of credit cards from Woolworths
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 Everyday Platinum Credit Card provides cash back in the form of Woolworths Shopping Cards. In addition to these credit options, Woolworths also provides a range of prepaid cards and gift cards. The two credit cards offered by Woolworths can fall under the following credit card types:
Balance transfer credit cards
Woolworths credit cards 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 table below 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 platinum credit card
The Woolworths Everyday Platinum Credit Card is a platinum card that earns reward points. You'll earn up to 3 points for every $1 you spend and every four months, these points are automatically converted to cash back in the form of a Woolworths 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 $100 Woolworths eGift Card when a new application is approved by 30 June 2017 and an eligible purchase is made on the Woolworths Credit Card by 31 July 2017.
Frequent flyer credit cards
The Woolworths Qantas Platinum Credit Card allows you to earn Qantas 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 point for the remainder of that statement period. 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 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
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.
Learn more about Low Rate Credit Cards
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.
|Product||Details||Card Issue Fee||Load/Reload Fee||Monthly Service Fee|
Woolworths Reloadable Mastercard
|You have the choice of two fee options: Option A - MonthlyOption B - Pay as you LOAD||$9.95||$0 Option A$1 Option B||$1 Option A$0 Option B|
The benefits of Woolworths credit cards
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 Woolworths Rewards card with a Woolworths credit card, you can enjoy collecting 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 earn. Apply for the Woolworths Platinum Qantas Credit Card and you can also rack up Qantas Points on all eligible purchases.
$100 Woolworths eGift Card
New cardholders receive a $100 Woolworths eGift Card when a new application is approved for the Woolworths Everyday Platinum Credit Card by 30 June 2017 and an eligible purchase is made on the Woolworths Credit Card by 31 July 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, Dine Play Stay, Cellarmasters, Wine Market, Thomas Dux and Hoyts Kiosk. Discover more discounts with our Woolworths coupon codes.
The Woolworths 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, the Woolworths 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:
- 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
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 your credit card PIN, 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 if your credit card application is declined. Credit card issuers are unable to tell you why an application has been rejected, 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.
Please remember the following before requesting a balance transfer with Woolworths:
- 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 $500 under your credit limit. So, if you had a credit limit of $5,000, you could transfer up to $4,500.
If you're approved for the account, the balance transfer will be automatically processed by Woolworths once you receive and activate the card.
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 pay your total outstanding balance in full by the due date each month, you'll receive up to 55 interest-free days.
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.
- 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 DEFT Payment Systems, GPO 4690 Sydney NSW 2001. Cheques must be made payable to Card Services and include your 16 digit credit card number. 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 Everyday Credit Card at any ATM?
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 interest at the cash advance interest rate and will be charged from the withdrawal date.
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 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.
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 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 stolen?
Report a lost or stolen card immediately to Customer Service on 1300 10 1234. It's best to contact the customer service team as soon as possible to avoid being liable for any charges made on the card and to resolve the issue promptly.
If you're overseas call +612 8276 0144. Note that 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. If you're considering to transfer a balance to a Woolworths credit card from an existing Macquarie Bank credit card, read this guide and find out if balance transfers are allowed between the two brands.
What’s the difference between Woolworths Credit Card and Woolworths Rewards Card?
The Woolworths Everyday Platinum and Qantas Platinum are products that operate as credit facilities. You can use these cards to finance your day-to-day purchases.
The Woolworths Rewards Card is a Woolworths product that you use to hold your fuel saving discounts and earn Woolworths Rewards Points when you spend at Woolworths Group 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.