Earn Qantas Points or credit card points for your everyday spending with a Woolworths credit card.
As well as collecting points per $1 spent, Woolworths credit cards give you access to other exclusive perks, such as 10% off your grocery shop at Woolworths once a month and Visa Entertainment offers. 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 the opportunity to earn points for most of your everyday spending. They can also double as your Woolworths Rewards membership 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.
4,000 bonus Credit Card points
& a $50 eGift Card
$0 first year annual fee
Available only via finder.com.au
Offer ends 31 January 2019
Eligibility criteria, terms and conditions, fees and charges apply
Woolworths Everyday Platinum Credit Card - Finder Only Offer
Receive a $50 Woolworths eGift Card and 4,000 bonus Credit Card Points when you meet the spend criteria. Plus, a $0 first year annual fee.
- $0 p.a. annual fee for the first year ($49 p.a. thereafter).
- 19.99% p.a. on purchases
- 2.99% p.a. for 18 months with 0% BT fee on balance transfers
- 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 shopping cards every four months. You can then use these shopping cards for spending at participating Woolworths group stores. Depending on when you apply, these credit cards could also include introductory balance transfer offers or purchase rate offers and other perks, which we've outlined below.
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.
Balance transfer credit cards
Woolworths credit cards may come with an introductory low or 0% p.a. balance transfer rate that gives you a way to save on interest charges as you pay down your debt. At the end of the introductory period, the low or 0% p.a. balance transfer interest rate reverts to the card's 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 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. It can also double as your Woolworths Rewards card, giving you a way to earn both credit card points and Woolworths Rewards points when you scan your membership barcode before paying at a participating Woolworths, BWS, Big W or Caltex Woolworths fuel outlet.
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 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. 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
Outside of any promotions, 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:
Get 10% off at Woolworths once per month on selected dates
Each month, you'll be emailed details of the offer period that allows you 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 Woolworths Rewards account with a Woolworths credit card, you can also use it to collect Woolworths 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 Woolworths 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 Woolworths Rewards and choose to earn Qantas Points instead of Woolworths Rewards points, you'll get 870 frequent flyer points for every 2,000 Woolworths 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, 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.
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.