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Woolworths Credit Card

Woolworths Everyday Platinum Credit Card

Last updated: 3 February 2020

Save with a $0 annual fee in the first year and an interest-free, 14-month balance transfer offer. Plus, earn a $50 Woolworths eGift Card.

This platinum Visa credit card offers both rewards and ways to save. You’ll earn points per $1 spent, which are automatically converted to Woolworths Shopping Cards every 4 months. You can also enjoy a $50 Woolworths eGift Card if you apply by 28 February 2020 and make an eligible purchase by 30 April 2020. 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, the Woolworths Everyday Platinum also offers a $0 annual fee for the first year, saving you $49. You can also repay an existing debt and reduce interest costs with a 0% p.a. balance transfer rate for 14 months with no balance transfer fee when you apply by 28 February 2020.

0% p.a.

Balance transfer rate

for 14 months

19.99% p.a.

Purchase rate

Reward point

Per $ spent (Visa/Mastercard)

$0 p.a.

Annual fee

for the first year ($49 p.a. thereafter)

Details

Product Name	Woolworths Everyday Platinum Credit Card
Rewards Program	Woolworths Shopping Card Rewards
Balance transfer rate	0% p.a. for 14 months
Balance Transfer Revert Rate	Cash Advance Rate (19.99% p.a.)
Purchase rate (p.a.)	19.99% p.a.
Annual fee	$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Interest Free Period	55 days
Cash advance rate (p.a.)	19.99% p.a.
Min credit limit	$6,000
Card Type	Visa
Foreign Currency Conversion Fee (Visa/Mastercard)	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

Pros

Receive a bonus $50 Woolworths eGift Card
$0 annual fee for the first year
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
0% for 14 months balance transfer offer with no balance transfer fee.

Cons

After the promotional balance transfer period, any balances remaining will accrue interest at the variable cash advance rate (currently 19.99% p.a.)

Rewards Program	Woolworths Shopping Card Rewards
Rewards Points per $ spent (Visa/Mastercard)	1

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/Mastercard)	3% of transaction value
Cash Advance Fee	3% or $5, whichever is greater
Additional Cardholder Fee	$9
Number of Additional Cardholders	4

Expert review

Review by

Sally McMullen

sally.mcmullen@finder.com.au

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

The Woolworths Everyday Platinum combines the features of a rewards and balance transfer credit card. The credit card points program is best suited to loyal Woolworths customers who shopping rewards rather than travel or frequent flyer perks. If you use this card to conduct a balance transfer, it’s important to remember that you won’t earn any points on the transfer or repayments. Whether you’re using the card to spend or repay an existing debt, the $0 first year annual fee can help you cut card costs.

How to apply

You can apply for the Woolworths Everyday Platinum credit card online, but make sure you meet the eligibility criteria and have the necessary information ready before you get started:

Eligibility criteria

Minimum income. Your annual gross earnings before tax should be at least $30,000.
Residency. Only Australian permanent residents may apply.

Age. You must be at least 18 years old to apply.
Credit history. You'll need a good credit score and history to receive approval. You can get a free copy of your comprehensive credit report and credit score through Finder

Required documents

Personal information. Including your full name, date of birth, contact details, marital status and number of dependents.
Proof of identity. You'll be asked to provide proof of identity including your Australian driver's licence, passport or Medicare card.
Finances. You'll be asked to confirm your income and include copies of recent payslips or bank statements.
Employment. This includes your place of employment, role and your employer's contact details.
Balance transfer details. If you're conducting a balance transfer, you'll need to provide details regarding how much you want to transfer and information about your old account.

Card benefits

$50 Woolworths eGift Card. The $50 eGift Card can be earned by new primary Woolworths Everyday Platinum credit cardholders who apply by 28 February 2020 and make an eligible purchase by 30 April 2020. The gift card will be sent to the registered email on your Woolworths Everyday Platinum account within 8 weeks of the eligible purchase being made.
$0 first year annual fee. Save with a $0 annual fee for the first year when you apply by 28 February 2020. The 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 and Big W. 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 balance transfer fee if you apply by 28 February 2020. 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, meaning you can get two different benefits from the card.
24/7 platinum concierge service. You can use the platinum concierge service for lifestyle services such as travel bookings, restaurant recommendations and more.
Visa Luxury Hotel Collection access. You can 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.
Mobile payment compatibility. You can link this card to Apple Pay to make contactless payments with your iPhone.

Rates & fees

Annual fee. Outside of any promotions, this card charges a standard annual fee of $49.
Purchase interest rate. The purchase rate for this platinum card is 19.99% p.a.

Cash advance rate. When you use the card to make a cash advance (such as an ATM withdrawal), you'll immediately attract the 19.99% p.a. interest rate. You'll also be charged a cash advance fee of $5 or 3% of the value of the transaction, whichever is greater.
Interest-free days. 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.
Additional cardholders. You can request up to four additional cardholders for $9 per card.

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364 Comments

Edmondo
September 5, 2019

I am an age pensioner and my annual income is $ 28,492 and I do not pay taxes because I am under the threshold. Can I apply for a credit card? I have two credit cards and I would like to transfer the debit I have to your card. Thank you for your attention .

Reply
- finder Customer Care
  
  Jeni
  September 5, 2019
  
  Hi Edmondo,
  
  Thank you for getting in touch with Finder.
  
  One of the eligibility requirements of this card is having at least $30,000 as your annual minimum income. Since you do not meet its income requirement, I suggest that you look for other options. You may check out this page to start comparing credit cards for pensioners like you.
  
  Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/T&Cs of the card before making a decision and consider whether the product is right for you.
  
  I hope this helps.
  
  Thank you and have a wonderful day!
  
  Cheers,
  Jeni
  
  Reply
urjal
January 30, 2019

how much is the balance transfer charge, if balance transfer get approved with new platinum card application?

Reply
- finder Customer Care
  
  Nikki
  January 31, 2019
  
  Hi Urjal,
  
  Thanks for getting in touch! The Woolworths Everyday Platinum credit card has a balance transfer fee/charge (fee must be asked from Woolworths directly) but if you apply by 31 January 2019, you will be exempted from the balance transfer fee.
  
  If you’re looking to explore credit cards with 0 balance transfer fees, you may visit this page. It’s also helpful to check the card’s balance transfer terms and conditions on the provider’s webpage should you need more information or chat with their consultants for any clarification. Hope this helps!
  
  Best,
  Nikki
  
  Reply
Joey
October 10, 2018

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?

Reply
- finder Customer Care
  
  Jhez
  October 10, 2018
  
  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
  
  Reply
Tigger
September 4, 2018

Does the Woolworths everyday platinum card work with apple pay

Reply
- finder Customer Care
  
  John
  September 4, 2018
  
  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
  
  Reply
Lindsay
May 1, 2018

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?

Reply
- finder Customer Care
  
  Nikki
  May 2, 2018
  
  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
  
  Reply
Sophie
March 24, 2018

Hi there,

Is the additional cardholder fee a one off or an annual charge?

Thank you

Reply
- Liezl
  March 24, 2018
  
  Hi Sophie,
  
  Thanks for your question. The additional cardholder fee of $9 is annual fee.
  
  Cheers,
  Liezl
  
  Reply
Rajarab
January 31, 2018

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.

Reply
- finder Customer Care
  
  Jonathan
  February 22, 2018
  
  Hi Rajarab, thanks for your recommendation!
  
  We have forwarded this to our development team for consideration.
  
  Thanks,
  
  Jonathan
  
  Reply
Wendy
January 17, 2018

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?

Reply
- finder Customer Care
  
  Rench
  January 19, 2018
  
  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
  
  Reply
Chris
December 24, 2017

Where is the list of dollar for point retailers where this can be used to earn points?

Reply
- Arnold
  December 28, 2017
  
  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
  
  Reply
Suz
October 26, 2017

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

Reply
- Jonathan
  October 27, 2017
  
  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
  
  Reply

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