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Woolworths Credit Card Application: Apply for a Woolworths Everyday Platinum Credit Card Online

Are you a Woolworths frequent shopper? Earn rewards for everyday purchases with a Woolworths Credit Card!

Woolworths provides a range of financial services in the form of credit cards, single load prepaid cards, shopping cards, and gift cards, along with an array of insurance solutions. The credit cards that Woolworths come with a number of features, giving you the ability to choose one as per your requirements. Plus Woolworths Everyday Platinum credit cardholders have the opportunity to earn up to 3 points for every $1 you spend on selected items at Woolworths and BWS. You can apply for one of these cards online within a few minutes.

Woolworths Credit Card Offer

Woolworths Everyday Platinum Credit Card

$0 annual fee for the first year

Offer ends 31 March 2018

Eligibility criteria, terms and conditions, fees and charges apply

Woolworths 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 $50 Woolworths eGift Card when you apply by 31 March 2018 and make an eligible purchase by 30 April 2018.

  • $0 p.a. annual fee for the first year ($49 p.a. thereafter).
  • 19.99% p.a. on purchases
  • Cash advance rate of 21.99% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $30,000 p.a.
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What is a Woolworths credit card?

When you get a Woolworths credit card you can look forward to earning cashback through Woolworths Shopping Cards, and you can save 20% off your total bill when you use it at select hospitality partners. Both cards that Woolworths provides come with introductory balance rate offers. The Qantas Platinum Card gives cardholders the ability to earn Qantas points, and it also comes with complimentary insurance covers.

Cardholders can also earn rewards for everyday purchases and while shopping at Woolies. For every $1 spent on the card, you'll earn 1 point. Plus, you can earn points for every dollar spent at Woolworths. Then every four months – provided you have accumulated sufficient points – you will be rewarded with a shopping card to use in any number of stores under the Woolworths group umbrella.

The Everyday Platinum Card does not charge any annual fee for the first year, after which it starts attracting $49 The Qantas Platinum Card charges a discounted annual fee of $99 for the first year, which changes to $169 thereon.

How can I apply for a Woolworths credit card?

Applying for a Woolworths credit card requires that you visit the Woolworths website. Once there, going through the features and benefits of each card on offer is a good place to start, and after you review and compare your options you can choose between the following:

  • Submit an online enquiry to get more details or seek clarification
  • Submit an online application

Eligibility criteria

While you can apply for a Woolworths credit card quite easily, it is important that you meet the following eligibility criteria:

  • You should be over 18 years of age
  • You should be a permanent Australian resident
  • You should not have poor creditworthiness
  • You should earn $30,000 p.a. or more as taxable income to apply for the Everyday Platinum Card, and you should earn at least $30,000 p.a. as taxable income to apply for the Qantas Platinum Card

Required information

To successfully complete the application, prepare to part with the following information:

  • Documents to prove your identity
  • Your employer’s name and contact details
  • If you’re self-employed, your accountant’s contact details
  • Details of your income and assets
  • Details of your expenses and liabilities

Existing Everyday Rewards card users can provide their unique card numbers on their Woolworths credit card applications as this helps link the two cards.

What happens after I have applied?

Once you submit your Woolworths credit card application you can expect a Woolworths representative to get in touch with you and inform you of your application’s status. If Woolworths approves your application you have to complete a legally mandated identity verification process, and you can do this by taking supporting documents to any Woolworths or Safeway store.

You can expect Woolworths to carry out a credit check at some stage, and you would, after a successful identity verification process, have to formally accept the card’s terms and conditions. After this, allow five to 10 business days to receive your new card.

What happens after I receive my card?

Once you’ve received your new credit card and PIN, you can activate it. After activation, you can start using your card like any conventional credit card, and you can make use of your card’s special offers straightaway. If you sign up for internet banking, which is free, you can use it for the following:

  • Changing the PIN
  • Viewing your credit card statement
  • Setting up direct debits
  • Paying bills using BPAY
  • Reviewing transaction history and status of credit card rewards

If you frequently shop at Woolworths, getting a Woolworths credit card could be a good option for you. As there is more than one type of Woolworths card and this isn’t the only supermarket credit card on the market, make sure to compare your options to find the right card for you.

Frequently asked questions

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    Ask an Expert

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    87 Responses

    1. Default Gravatar
      nompumeleloOctober 18, 2017

      Good day my question is I apply for store card and credit card but the problem is, I had inconsistent address from my application and bank statement. Is it possible to change the address my account has been approved? I have to collect the card but the problem is that matter.

      • Staff
        JhezelynOctober 18, 2017Staff

        Hi Nompumelelo,

        Thank you for your comment.

        Generally, you may update your address by logging in to your online account on Woolworths website. To update your address details click ‘Your name’ at the top of the page, click on ’My Account’ and then click ‘Delivery Addresses’. You can either add a new address or edit an existing one. If this will not work for you, you may directly reach a Woolworths customer service representative and they’ll sort it out for you.


    2. Default Gravatar
      BonnaAugust 19, 2016

      Which institutions is it

      • Staff
        LouAugust 22, 2016Staff

        Hi Bonna,

        Thanks for your question.

        Macquarie Bank Limited is the issuer of the Woolworths Money Credit Cards.


    3. Default Gravatar
      missJuly 16, 2016

      I’ve been asked to upload my income details but I’ve never done this so how do I do it? I’m on a centrelink pension. Can I take a pic of my statement & send that ? Sorry I’m clueless.

      • Staff
        LouJuly 19, 2016Staff

        Hi Miss T,

        Thanks for your comment.

        Please note that finder.com.au is a financial comparison and information service and not Woolworths.

        If you are applying for a Woolworths credit card and would like to submit your income details, it would be best if you directly get in touch with Woolworths on 1300 10 1234 so they can assist you further in completing your application.


    4. Default Gravatar
      graemeJuly 3, 2016

      How do I apply for a credit card increase?

      • Staff
        MayJuly 4, 2016Staff

        Hi Graeme,

        Thanks for your question.

        The minimum credit limit of both, the Everyday Platinum Card and the Qantas Platinum Card, is $6,000. If you want to request for a credit limit increase, you’ll need to get in touch with Woolworths on 1300 10 1234. Please note that the credit limit will be based on the assessment of your credit rating, income and other criteria set by Woolworths – that is if you meet these criteria.

        I hope this helps.


    5. Default Gravatar
      GiuseppeJuly 2, 2016

      Can I have credit

      • Staff
        MayJuly 4, 2016Staff

        Hi Giuseppe,

        Thanks for your question.

        Yes, you can be approved and have the Woolworths Credit Card so long you have met the requirements and criteria set for this card. These criteria are outlined above. To apply, please submit your application on Woolworths website directly.


    6. Default Gravatar
      SelloApril 21, 2016

      What is the maximum credit limit of a Woolworths credit card?

      • Staff
        MayApril 22, 2016Staff

        Hi Sello,

        Thanks for your question.

        The maximum credit limit of a Woolworths credit card will be determined by Macquarie Bank. Though the minimum credit limit is $6,000 for the Woolworths credit cards, the decision of approving you for a higher credit limit will depend on your income and ability to repay.


    7. Default Gravatar
      ceciliaApril 6, 2016

      good day what to do if I’ve been approved and I did all the requirements in store telephonically I was even told my credit amount to use in store and that I will receive an SMS telling me to collect the card within 48hours but all of a sudden will those high hope and being very happy to became a Woolworths customer I record an SMS saying my credit card was unsuccessfully help me I think its kind of a joke or something is wrong thank you

      • Staff
        SallyApril 6, 2016Staff

        Hi Cecilia,

        Thanks for your question.

        You will need to contact Woolworths Money directly on 1300 10 1234 to follow up the status of your application and to confirm whether you’ve been approved.

        If you have the details of your approval, such as the confirmation, make sure to have these handy when you make the call.

        I hope this has helped.



    8. Default Gravatar
      AnnahMarch 11, 2016

      I dnt have bank account but i’m receiving money every month 2600 can i open an account.

      • Staff
        SharonMarch 11, 2016Staff

        Hi Annah,

        Thanks for you inquiry.

        As long as you meet the eligibility requirements and earn the minimum income requirement(p.a.), then you should have no trouble applying for this card. Kindly refer to eligibility criteria listed on this page before you submit your application.

        On the other hand, you can check with the credit card issuer to see if you will be eligible before you apply.



    9. Default Gravatar
      SharonMarch 1, 2016


      I recently began an application and have been given a number, how do I complete the application.

      Thanks sharon

      • Staff
        DebbieMarch 2, 2016Staff

        Hi Sharon,

        Thank you for your inquiry.
        Please note that you’ve come through finder.com.au, an online comparison service and not Woolworths.

        Upon saving your application, you should be receiving an email that includes the link you can use to resume your application.

        I hope this helps.


    10. Default Gravatar
      petrinaJanuary 31, 2016

      What type of documentation do I need?

      • Staff
        SallyFebruary 1, 2016Staff

        Hi Petrina,

        Thanks for your question.

        You’ll need to provide personal information including your contact details, driver’s licence number you might be required and financial information including employer, your income, assets and details regarding your existing account if you’re going to conduct a balance transfer.

        I hope this has helped.



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