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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
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Types of credit cards from Woolworths
Standard and platinum Woolworths credit cardsIf 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.
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.
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.
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.
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:
- 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 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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