The Woolworths Rewards Platinum offers a $50 Woolworths eGift card when you meet the spend requirements, $0 annual fee in the first year and a 0% p.a. balance transfer offer.
This platinum Visa credit card earns points per $1 spent that are automatically converted to Woolworths Shopping Cards every 4 months. You can also enjoy a $50 Woolworths eGift Card if you apply by 31 January 2019 and spend $150 per month for the first 3 months. The savings continue with 10% off your shop (up to $50) once per month on selected dates.
If you want to save on card fees or pay off existing debt, the Woolworths Everyday Platinum also offers a $0 annual fee for the first year, saving you $49 and a 0% balance transfer rate for 14 months with no balance transfer fee when you apply by 31 January 2019.
| Product Name | Woolworths Everyday Platinum Credit Card |
|---|---|
| Rewards Program | Woolworths Shopping Card Rewards |
| Balance transfer rate (p.a.) | 0% p.a. for 14 months |
| Balance Transfer Revert Rate The interest rate after the balance transfer ends. | Cash Advance Rate (21.99% p.a.) |
| Purchase rate (p.a.) | 19.99% p.a. |
| Offer end date | 31 January 2019 |
| Annual fee | $0 p.a. annual fee for the first year ($49 p.a. thereafter) |
| Interest Free Period The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date. | Up to 55 days on purchases |
| Cash advance rate (p.a.) | 21.99% p.a. |
| Min credit limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $6,000 |
| Card Type | Visa |
| Foreign Currency Conversion Fee (VISA) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3% of transaction value |
| Complimentary Travel Insurance | No |
| Minimum Income | $30,000 |
|---|---|
| Minimum Age | 18 years of age |
| Available To Temporary Residents | No |
| Joint Application | No |
| Annual fee | $0 p.a. annual fee for the first year ($49 p.a. thereafter) |
|---|---|
| Minimum Monthly Repayment | 2.5% of the closing balance or $50, whichever is greater |
| Late Payment Fee | $35 |
| Foreign Currency Conversion Fee (VISA) Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution. | 3% of transaction value |
| Cash Advance Fee | $5 or 3% of the value of the transaction, whichever is the greater |
| Additional Cardholder Fee | $9 |
| Number of Additional Cardholders | 4 |
Pros
- Receive a bonus $50 Woolworths eGift Card when you apply by 31 January 2019, are approved and spend over $150 on eligible purchases monthly for the first 3 months from card approval.
- Enjoy a $0 annual fee for the first year.
- Get 10% off on your first Woolworths shop on selected dates each month.
- Earn credit card points per $1 spent that convert to Woolworths Shopping Cards.
- This card comes with a 0% p.a. for 14 months balance transfer offer with no BT fee.
Cons
- Rewards are automatically redeemed in four-month intervals. This gives the cardholder minimal control over the frequency of redeeming rewards and may restrict people from using the voucher when it's convenient for them.
- The promotional balance transfer offer reverts to the variable cash advance rate of 21.99% p.a. at the end of the introductory period.
| Rewards Program | Woolworths Shopping Card Rewards |
|---|---|
| Rewards Points per $ spent (VISA/MC) | 1 |
| Rewards Points per $ (VISA/MC) Cap | Uncapped |
Benefits of the Woolworths Everyday Platinum Credit Card
- $50 Woolworths eGift Card. The $50 eGift Card can be earned by new primary Woolworths Platinum credit cardholders who apply by 31 January 2019 and spend at least $150 on eligible purchases per month for the first three months from card approval. The gift card will be sent to the cardholder's registered email on their Woolworths Everyday Platinum account 8 weeks after the eligible purchase has been made.
- $0 first year annual fee. Save with a $0 annual fee for the first year when you apply by 31 January 2019. Annual fee reverts to $49 p.a. thereafter.
- 10% off your monthly shop. You'll receive 10% off your first in-store or online shop at Woolworths on a select dates each month up to a maximum purchase amount of $500. This excludes Tasmanian stores.
- Uncapped points per $1 spent. Earn 3 credit card points per $1 spent on Woolworths Select and Woolworths brand products. Earn 2 points per $1 on purchases at Woolworths Supermarkets, BWS, Dan Murphy’s, Cellarmasters, Big W and participating Caltex Woolworths fuel outlets. For all other eligible purchases, you'll earn 1 point per $1 spent. These points don't expire so long as your account remains open. Every four months, your credit card points will automatically be converted to a Woolworths Shopping Card, with a minimum of 4,000 points equalling a $20 Woolworths Shopping Card.
- Balance transfer offer. Receive 0% p.a. interest for up to 14 months on balance transfers, with no BT fee if you apply by 31 January 2019. You can transfer a minimum of $500 from Australian store or credit cards not issued by Macquarie.
- Woolworths Rewards. Your Woolworths Everyday Platinum Visa can also double as your Woolworths Rewards membership card, with the barcode printed on the back of your credit card. If you're shopping at Woolworths, BWS, Big W or a participating Caltex Woolworths fuel outlet, just scan this barcode before you pay and you'll collect Woolworths Rewards points for your eligible spending. Note that Woolworths Rewards points are earned separately to the credit card points you get with this card, meaning you can get two different benefits from the card.
- 24/7 platinum concierge service. The platinum concierge is at your service at the click of a mouse or a phone call, anytime in the world to help your lifestyle with services such as bookings and restaurant recommendations.
- Visa Luxury Hotel Collection access. This gives you the chance to enjoy automatic room upgrades and late check-out, complimentary continental breakfast, free in-room Internet daily and a $25 food and beverage voucher. Check out this guide to discover other hotel perks you could get with this Platinum Visa credit card.
Standard and platinum Woolworths credit cards
If you’re approved for a credit limit of less than $6,000, you’ll be issued with a Woolworths Everyday credit card instead of a Woolworths Everyday Platinum credit card. This means you won’t be entitled to platinum benefits.Features of the Woolworths Everyday Platinum Credit Card
- Annual fee. Outside of any promotions, this card charges a standard annual fee of $49 p.a.
- Purchase rate. The purchase rate for this platinum card is 19.99% p.a.
- Cash advance rate. The cash advance rate for this platinum card is 21.99% p.a.
- Interest-free period. You can take advantage of up to 55 days of interest-free purchases if you pay your account balance in full by each monthly due date. This includes any balance transfers, excluding promotion-related interest-free finance balances.
How to apply for the Woolworths Everyday Platinum Credit Card
You can apply for the Woolworths Everyday Platinum Credit Card by completing the online application. Ensure you meet the eligibility criteria, which include the following:
Eligibility criteria
- You must be over 18 years old.
- Your annual gross earnings before tax should be at least $30,000.
- A good credit history is necessary.
- Only Australian permanent residents may apply.
Information you may need
You should have the following information ready, should it be needed.
- Proof of identity such as your driver's licence or passport
- Evidence of income including recent payslips
- Information about assets and liabilities, such as outstanding debts or dependents
- If you have one, your current Woolworths Rewards number to link to the account.
If you shop at outlets associated with Woolworths, you might want to consider the benefits of a Woolworths Everyday Platinum Credit Card, but make sure you compare it with others before you make your decision.
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I just started my job and never have a credit card in Australia before. How many months of payslip is needed for me to apply for this credit card?
Hello Joey,
Thank you for your comment.
Most card issuers require only three of your most recent payslips. This means you can apply in your second month of work if you get paid fortnightly. You may want to check our guide about credit card application for new employees. This is the same with Woolworths.
Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
Regards,
Jhezelyn
Does the Woolworths everyday platinum card work with apple pay
Hi Tigger,
Thank you for leaving a question.
Yes you would be able to link your Woolworths Everyday Platinum Credit Card with Apple Pay. To begin using Apple Pay, open Wallet (formerly Passbook) on your iPhone, tap Add Credit or Debit Card and enter your card details. Tap Next, after which your card will be verified by your bank – once that’s done, tap Next. You can now use Apple Pay. You can also register through some banks’ own apps. The process is largely similar to Apple Wallet’s – see your bank’s website for more details. Hope this helps!
Cheers,
Reggie
Woolworths Card quote. “When you earn 4,000 points, you’ll receive a $20 Shopping Card every 4 months.”
So if I earn more than 4000 points (say 12000) will I receive a shopping card to the value of $60 every 4 months?
Is this card compatible with Samsung Pay?
Hi Lindsay,
Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?
To answer your questions:
1. So if I earn more than 4000 points (say 12000) will I receive a shopping card to the value of $60 every 4 months?
Points are subject to the Woolworths Shopping Card Rewards Program Terms and Conditions. As per their website,“Every 4 months, points are automatically converted to a Woolworths Shopping Card redeemable at participating Woolworths Group stores. Participating stores may change from time to time. The Shopping Card expires 90 days after date of issue. Minimum of 4,000 points is required to receive a $20 Shopping Card”
You may confirm with the card company if you will receive more than 1 card if you earn more than $4000 points.
Is this card compatible with Samsung Pay?
You can use the Woolworths Money app to make payments with your card. As for Samsung Pay, you may have to inquire this with the card company.
Please note that we’re a product comparison website and we do not represent any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.
Hope this helps! Feel free to message us anytime should you have further questions.
Cheers,
Nikki
Hi there,
Is the additional cardholder fee a one off or an annual charge?
Thank you
Hi Sophie,
Thanks for your question. The additional cardholder fee of $9 is annual fee.
Cheers,
Liezl
Is there a redemption vs earnings ratio for each card?
For example, one point per dollar spend will earn 0.015 redemption value for say a gift card. I understand that a gift card redemption ratio MAY differ from airline miles for a card but let’s consider a gift card or cash back if the same.
This ratio would enable a benefits comparison.
Hi Rajarab, thanks for your recommendation!
We have forwarded this to our development team for consideration.
Thanks,
Jonathan
Hello,
if i do a balance transfer which has 14 months interest free, do i still get 55 days interest free on all other purchases made during that 14 months?
Hi Wendy,
Thanks for your inquiry. Please note that we are not affiliated with Woolworths or any company we feature on our site and so we can only offer you general advice.
With the Woolworths Everyday Platinum Credit Card, you will not receive the interest-free days on purchases unless your balance has been paid in full (excluding any Interest Free Finance promotions). This means that while you carry a balance transfer debt, you will not be able to take advantage of interest-free days on purchases.
Best regards,
Rench
Where is the list of dollar for point retailers where this can be used to earn points?
Hi Chris,
Thanks for your inquiry
You may earn 3 points for every dollar spent on Woolworths Select and Woolworths brand range of products. Earn 2 points for every dollar spent on items you buy at Woolworths Supermarkets, BWS, Dan Murphy’s, and more. For all other eligible purchases, earn 1 point for every dollar you spend. Woolworths Shopping Card Reward Points don’t expire so long as your account remains open.
You may check the complete list of stores at Woolworths Website.
Hope this information helps
Cheers,
Arnold
Hi there,
Can you please confirm that in addition to 0% interest on balance transfers that there is no balance transfer fee also.
Thanks,
Suzanne
Hi Suz,
Thank you for your inquiry. Yes, this card doesn’t have a balance transfer fee. ;-)
Should you wish to consider other cards with no balance transfer fees, you may check this page. You may check their Balance Transfer Terms and Conditions on the card issuer’s page or speak to one of their consultants if you need further information about their products.
Hope this helps.
Cheers,
Jonathan
Hi there, can payments be made at Woolworth’s store and what is the minimum credit limit eg $3000?
Can I put cash into my credit card at a woolies supermarket so there is a credit balance
Hi Trina, thanks for your inquiry.
You can load your credit card into a ‘credit’ balance, but not through a Woolworths. You will have to transfer to your credit card account online or through branch.
Best,
Jonathan
Hi Krista,
You may refer to this page on Where You Can Pay Your Woolworths Credit Card Bill which includes any Woolworths supermarket or Big W store.
Also, as of this writing, the minimum credit limit stated on this page is $6000.
Before applying, please ensure that you meet the eligibility criteria and requirements and to read the details, as well as the relevant Product Disclosure Statements/ Terms and Conditions of the option before making a decision and consider whether the product is right for you.
Best,
Maria
What constitutes an “eligible purchase”?
Hi Chris,
Thank you for your inquiry.
1 point earned for every $1 spent on other eligible purchases. Points are not earned on cash advances, balance transfers or other restricted transactions detailed in the Woolworths Shopping Card Rewards Program Terms and Conditions.
I hope this information has helped.
Cheers,
Harold
Thanks Harold. The reason I was asking is because you need to make an “eligible purchase” before you get the gift card bonus thingy. Is an “eligible purchase” basically anything other than those things you’ve listed, plus what appears at the Woolworths site (e.g. gambling transactions, etc.)?
Hi Chris,
Thank you for your inquiry.
Yes, in general it has an exclusion. To make sure you only avail the eligible purchases you would need to read first the Woolworths Shopping Card Rewards Program Terms and Conditions.
I hope this information has helped.
Cheers,
Harold18
Where can I find the Woolworths Shopping Cards Rewards Program T’s & C’s to confirm which are eligible purchases in terms of the gift card redemption please?
Hi Dee,
Thanks for leaving a question on finder.
I have emailed you the T&C for this card. Eligible purchases are generally defined as everyday purchases which involve the exchange of a good or service for a payment.
Points are not accrued in respect of the following amounts that
may be charged to your Account:
• GST and government charges (including fines paid to any
government agency)
• payments made to the Australian Tax Office
• interest and other bank fees and charges (including any GST
payable on any of these)
• BPAY® payments, ie bill payments and other payments made
through the BPAY Electronic Payments Scheme
• cash advances
• transactions for items that are directly convertible to cash
(including, but not limited to, purchase of foreign currency and
travellers cheques) or cash equivalent transactions
• balance transfers
• transactions deemed by us to be for operating a business or in
connection with business expenditure
• transactions that are reversed (refunds)
• payments for credit card protection insurance
• transactions used for gambling purposes (including gambling
chip and lottery ticket purchases).
Spending on these items on your Card will not be eligible Purchases.
We reserve the right to suspend or exclude you from participation
or continuing to participate in Woolworths Money Shopping Card
Rewards Program if:
(i) you are in breach of the Conditions of Use or these Woolworths
Money Shopping Card Rewards Program Terms and Conditions
(ii) your Account is suspended, cancelled or terminated.
Any accrued points which have not yet been redeemed as a
Shopping Card will be retained by us until your Account is no longer
in breach of the Conditions of Use or suspended. You will continue
to accrue points on your Account during this period.
Cheers,
Joel