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 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

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

Rates last updated June 27th, 2017
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Woolworths Everyday Platinum Credit Card
Receive a $100 eGift Card when you apply by 30 June 2017 and make an eligible purchase by 31 July 2017.
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Woolworths Qantas Platinum Credit Card
Receive 16,000 bonus Qantas Points if you apply by 30 June 2017 and make an eligible purchase by 31 July 2017.
20.49% p.a.
0% p.a. for 14 months
$99 p.a. annual fee for the first year ($169 p.a. thereafter)

Compare up to 4 providers

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.

Learn more about Rewards Credit Cards

  • 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.

ProductDetailsCard Issue FeeLoad/Reload FeeMonthly 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 BApply

The benefits of Woolworths credit cards

      • 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 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.

      • Platinum benefits

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:

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

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.

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.

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.

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.

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.

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.

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.

If you pay your total outstanding balance in full by the due date each month, you'll receive up to 55 interest-free days.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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215 Responses to Woolworths Credit Cards

  1. Default Gravatar
    P. | February 21, 2017

    How do I cancel my woolworths credit card?

    • Staff
      Anndy | February 21, 2017

      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.

      Cheers,
      Anndy

  2. Default Gravatar
    Pam | January 10, 2017

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

    • Staff
      May | January 10, 2017

      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.

      Cheers,
      May

  3. 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

  4. 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

  5. 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

  6. 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

  7. 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

  8. 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

  9. 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

  10. 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

Credit Cards Comparison

Rates last updated June 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent in the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
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
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 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.
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
NAB Premium Card
An introductory rate of 0% p.a. for 20 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 20 months with 2% balance transfer fee $90 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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