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Woolworths Credit Cards Balance Transfer

Want to repay your debt and pay no interest for a promotional period? Consider a balance transfer with Woolworths.

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If you're struggling to repay an existing credit card debt, you could transfer it to a Woolworths card that charges 0% on balance transfers for a promotional period and save. Not only will you avoid interest and save for a promotional period, but you could also repay your debt faster with a balance transfer. At the end of the introductory period, a revert rate applies to any unpaid balance.

If you're interested in doing a balance transfer to a Woolworths credit card, you can use this guide to compare your options and see a step-by-step guide to the application process.

Data indicated here is updated regularly
$
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
Woolworths Everyday Platinum Credit Card
0% p.a. for 14 months
19.99% p.a.
$0 annual fee for the first year ($49 p.a. thereafter)
Save with a 0% p.a. on balance transfers for 14 months and a $0 first-year annual fee.
Woolworths Qantas Platinum Credit Card
0% p.a. for 14 months
20.49% p.a.
$99 annual fee for the first year ($169 p.a. thereafter)
Enjoy a 0% p.a. balance transfer offer for 14 months and a discounted $99 first year annual fee. Plus, complimentary overseas travel insurance.
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Data indicated here is updated regularly
$
% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
Citi Rewards Card - Exclusive Offer
0% p.a. for 30 months
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
ANZ Low Rate
0% p.a. for 25 months with 1.5% balance transfer fee
12.49% p.a.
$0 annual fee for the first year ($58 p.a. thereafter)
Save with 0% p.a on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee. Plus a 12.49% p.a. purchase interest rate.
Coles No Annual Fee Mastercard
0% p.a. for 12 months
0% for 12 months, reverts to 19.99% p.a.
$0
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 22 months
20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Get 0% p.a. for 22 months on balance transfers and a reduced first-year annual fee. Plus, earn up to 30,000 bonus Velocity Points.
HSBC Platinum Credit Card - Balance Transfer Offer
0% p.a. for 22 months
19.99% p.a.
$129
Enjoy a 22-month balance transfer offer, travel insurance and an annual fee refund when you spend an eligible $6k/year.
Westpac Low Rate Card
0% p.a. for 20 months with 1% balance transfer fee
13.74% p.a.
$59
A low rate card offering 0% p.a. interest on balance transfers for the first 20 months and a $200 cashback offer.
Citi Rewards Card - Flybuys Offer
0% p.a. for 15 months with 1% balance transfer fee
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 75,000 bonus Flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
St.George Vertigo Classic
0% p.a. for 22 months with 1.5% balance transfer fee
0% for 7 months, reverts to 13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
Get 0% p.a. promotional purchase and balance transfer rates and save with a first-year annual fee waiver.
Coles Low Rate Mastercard
0% p.a. for 6 months
12.99% p.a.
$58
Get a low rate on purchases, $100 off a Coles Supermarket shop and a 0% balance transfer for 6 months. Plus, earn Flybuys points as you spend.
Citi Clear Card
0.9% p.a. for 15 months
0.9% for 15 months, reverts to 14.99% p.a.
$99
Save with 0.9% p.a. for 15 months on purchases and balance transfers. Plus, complimentary purchase insurance cover. Ends 16 November 2020.
HSBC Platinum Qantas Credit Card
0% p.a. for 12 months
19.99% p.a.
$99
Receive 20,000 bonus Qantas Points and a long-term balance transfer offer. Plus, complimentary travel insurance.
Bank of Melbourne Vertigo Classic
0% p.a. for 22 months with 1.5% balance transfer fee
0% for 7 months, reverts to 13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
Save with 0% p.a. for 7 months on purchases, 0% p.a. interest for 22 months on balance transfers and a $0 first-year annual fee.
BankSA Vertigo
0% p.a. for 22 months with 1.5% balance transfer fee
0% for 7 months, reverts to 13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
Enjoy a 0% p.a. for up to 22 months on balance transfers and up to 7 months on purchases. Plus, $0 first-year annual fee.
Citi Simplicity Card
0% p.a. for 6 months
21.49% p.a.
$0
Get 0% p.a. interest for up to 6 months on balance transfers with no balance transfer fee. Plus, a $0 annual fee for life.
NAB Low Rate Credit Card
0% p.a. for 20 months with 2% balance transfer fee
12.99% p.a.
$59
Get a 0% p.a. interest rate for 20 months on balance transfers, Visa Offers + Perks and a competitive $59 ongoing annual fee.
St.George Vertigo Classic Rainbow
0% p.a. for 22 months with 1.5% balance transfer fee
0% for 7 months, reverts to 13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
All the great low cost features of the Vertigo Visa with a rainbow design in support of the LGBT community.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 6 months
0% for 14 months, reverts to 20.74% p.a.
$64 annual fee for the first year ($129 p.a. thereafter)
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first-year annual fee and Velocity Points per $1 spent.
St.George Amplify Platinum - Qantas
0% p.a. for 15 months with 1% balance transfer fee
19.74% p.a.
$99
Earn 70,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months and complimentary insurance covers.
St.George Amplify Platinum
0% p.a. for 22 months with 1.5% balance transfer fee
0% for 7 months, reverts to 19.74% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
Save with 0% p.a. interest rates on purchases and balance transfers. Plus a $0 first-year annual fee.
Westpac Altitude Platinum Qantas
0% p.a. for 18 months with 1% balance transfer fee
20.49% p.a.
$99 annual fee for the first year ($200 p.a. thereafter)
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.
Westpac Altitude Platinum Card
0% p.a. for 18 months with 1% balance transfer fee
20.49% p.a.
$99 annual fee for the first year ($150 p.a. thereafter)
Earn 80,000 bonus Altitude Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.
Bank of Melbourne Amplify Platinum
0% p.a. for 22 months with 1.5% balance transfer fee
0% for 7 months, reverts to 19.74% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
Enjoy 0% p.a. on purchases and balance transfers along with a $0 first year annual fee waiver.
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How to apply for a balance transfer with a Woolworths credit card

You can request a balance transfer when you're applying for your new Woolworths credit card. Before you get started, check the card's specific eligibility requirements. Some of the criteria you can expect includes:

Eligibility requirements

Before you start the application process, have a pay slip, a bank statement and your driver’s licence number handy and take note of the following eligibility requirements:

  • Be a permanent Australian resident
  • Be at least 18 years of age
  • Meet the minimum income requirement
  • Have a good credit history
  • Transferring at least $500 from a non-Woolworths or non-Macquarie credit card

The application process

    1. Select the card you wish to apply for and begin the application process. Once you’ve compared your options and decided on a credit card, you can begin your application. Click the green ‘Go to site’ button to be redirected to the Woolworths credit card application process.woolworths-balance-transfer-guide-step-1
    2. Credit card. Provide your name and choose your preferred credit limit or apply for the maximum credit limit.woolworths-balance-transfer-guide-step-2
    3. About you. In this section, you will need to provide a detailed outline of your personal circumstances.

      woolworths-balance-transfer-guide-step-3

    4. Financial details. A recent pay slip and bank statement will help you answer the following questions.

      woolworths-balance-transfer-guide-step-4

    5. Balance transfer. To apply for a balance transfer, you’ll need to provide your credit card number, how much you'd like to transfer and the name of the credit card issuer.woolworths-balance-transfer-guide-step-5
    6. Additional cardholder. You can nominate an additional cardholder by selecting 'yes' and providing their details.woolworths-balance-transfer-guide-step-6
    7. Review and confirm. Ensure all the details you’ve provided are correct. Read the terms and conditions before submitting your application.woolworths-balance-transfer-guide-step-7
    8. Application submitted. Congratulations, you’ve submitted your application! You’ll need to upload a file verifying your income before your application can be processed.woolworths-balance-transfer-guide-step-8
    9. Consolidate your debt. If your application is successful, you’ll receive your credit card in 1-2weeks. Once you’ve activated your card, you can start repaying your debt. The introductory balance transfer period begins as soon as the card is activated, so it's important to stick to a repayment plan so that you can clear your debt before revert rate applies.
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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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* 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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