Get the Finder app 🥳

Track your credit score

Free

Woolworths Everyday Platinum Credit Card

Last updated:  

Save with a $0 annual fee in the first year and an interest-free, 14-month balance transfer offer.

This platinum 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 10% off your shop (up to $50) once per month on selected dates. The savings continue with $0 annual fee for the first year ($49 thereafter). 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.

0% p.a.

Balance transfer rate

for 14 months

19.99% p.a.

Purchase rate

1

Reward point

Per $ spent

$0 p.a.

Annual fee

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

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder.

Details

Product NameWoolworths Everyday Platinum Credit Card
Rewards programWoolworths Shopping Card Rewards
Balance transfer rate0% p.a. for 14 months
Balance transfer revert rateCash Advance Rate (19.99% p.a.)
Purchase rate19.99% p.a.
Annual fee$0 annual fee for the first year ($49 p.a. thereafter)
Interest-free period55 days
Cash advance rate19.99% p.a.
Min credit limit$6,000
Card typeVisa
Foreign currency conversion fee3%
Minimum income$30,000
Available to temporary residentsNo
Joint applicationNo

Pros

  • $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 programWoolworths Shopping Card Rewards
Rewards points per $ spent1
Annual fee$0 annual fee for the first year ($49 p.a. thereafter)
Minimum monthly repayment2.5% of the closing balance or $50, whichever is greater
Late payment fee$35
Foreign currency conversion fee3%
Cash advance fee3% or $5, whichever is greater
Additional cardholder fee$9
Number of additional cardholders4

Expert review

Sally McMullen

Review by


Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

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.

Card benefits

  • $0 first year annual fee. Save with a $0 annual fee for the first year. The fee reverts to $49 p.a. thereafter.
  • Balance transfer offer. Receive 0% p.a. interest for up to 14 months on balance transfers, with no balance transfer fee. You can transfer a minimum of $500 from Australian store or credit cards not issued by Macquarie.

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.

Compare rewards credit cards

Data indicated here is updated regularly
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
NAB Qantas Rewards Signature Card
130,000
Qantas Frequent Flyer
1
19.99% p.a.
$295 annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points (100k when you spend $3,000 in the first 60 days and 30k after 12 months). Plus, 75 bonus Status Credits.
Qantas American Express Premium Card
100,000
Qantas Frequent Flyer
1
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.
Qantas Premier Platinum
100,000
Qantas Frequent Flyer
1
19.99% p.a.
$199 annual fee for the first year ($299 p.a. thereafter)
Get 100,000 bonus Qantas Points, 75 bonus Status Credits and a 0% p.a. balance transfer rate for 18 months (with a one-time 1% BT fee).
Citi Rewards Card - Flybuys Offer
75,000
flybuys,Citi Rewards Program
1
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.
ANZ Frequent Flyer Black
120,000
Qantas Frequent Flyer
1
20.24% p.a.
$425
Collect 120,000 bonus Qantas Points and $200 back when you spend $3,000 in the first 3 months. Plus, complimentary lounge passes.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
30,000
Velocity Frequent Flyer
0.66
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.
Citi Rewards Card - $500 Voucher Offer
N/A
Citi Rewards Program
1
21.49% p.a.
$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.
St.George Amplify Platinum - Qantas
70,000
Qantas Frequent Flyer
0.5
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.
Bank of Melbourne Amplify Platinum - Qantas
70,000
Qantas Frequent Flyer
0.5
19.74% p.a.
$99
Receive 70,000 bonus Qantas Points when you spend $1,500 each month for the first 3 months and earn up to 0.5 Qantas Points per $1 spent.
Suncorp Clear Options Platinum Credit Card
100,000
Suncorp Bank Rewards Program
1.25
20.74% p.a.
$129
Earn 100,000 bonus points when you spend $3,000 in the first 90 days. Plus, complimentary insurance covers included.
Coles Rewards Mastercard - Exclusive Offer
N/A
flybuys
2
19.99% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
Finder Exclusive. Ends 29 October 2020
Save with $100 off a Coles Supermarket shop and a $0 first-year annual fee. Plus, 0% p.a. on balance transfers for 18 months (1.5% fee applies).
HSBC Platinum Qantas Credit Card
20,000
Qantas Frequent Flyer
1
19.99% p.a.
$99
Receive 20,000 bonus Qantas Points and a long-term balance transfer offer. Plus, complimentary travel insurance.
Westpac Altitude Platinum Qantas
60,000
Qantas Frequent Flyer
0.5
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.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
N/A
Velocity Frequent Flyer
0.66
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.
American Express Platinum Edge Credit Card
N/A
Membership Rewards Ascent
1
20.74% p.a.
$195
Get $150 back when you spend at least $1,500 within the first 3 months. Plus, receive $200 Travel Credit each year.
American Express Qantas Business Rewards Card
120,000
Qantas Business Rewards
1.25
N/A
$450
ABN holders w/ $75,000 revenue. Get 120,000 bonus points, 3x points on eligible Qantas flights & 2 lounge passes per year.
BankSA Amplify Platinum - Qantas
70,000
Qantas Frequent Flyer
0.5
19.74% p.a.
$99
Receive 70,000 bonus Qantas Points when you spend $1,500 each month for the first 3 months. Plus a 0% balance transfer offer.
Qantas American Express Ultimate Card
55,000
Qantas Frequent Flyer
1.25
20.74% p.a.
$450
Get 55,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
American Express Platinum Card
80,000
Membership Rewards Ascent Premium
2.25
N/A
$1,450
Receive 80,000 bonus Membership Rewards Points, a $450 annual Platinum Travel Credit, dedicated personal service and luxury travel perks.
Citi Rewards Card - Exclusive Offer
N/A
Citi Rewards Program
1
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.
Qantas American Express Discovery Card
N/A
Qantas Frequent Flyer
0.75
20.74% p.a.
$0
Earn 0.75 Qantas Points for your everyday purchases, uncapped, and pay $0 annual fee for the life of the card on this no-frills frequent flyer card.
American Express Velocity Escape Card
N/A
Velocity Frequent Flyer
0.75
20.74% p.a.
$0
Earn 0.75 Velocity Points on your everyday purchases, uncapped, and pay $0 annual fee for the life of the card with this no-frills frequent flyer card.
Coles Low Rate Mastercard - Exclusive Offer
N/A
flybuys
0.5
12.99% p.a.
$58
Finder Exclusive. Ends 29 October 2020
Receive $100 off a Coles Supermarket shop when you make an eligible purchase within the first 30 days. Plus, a 0% balance transfer offer.
St.George Amplify Platinum
N/A
Amplify Rewards
1
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.
American Express Explorer Credit Card
50,000
Membership Rewards
2
20.74% p.a.
$395
Get 50,000 bonus points when you spend $3,000 in the first 3 months, a yearly $400 Travel Credit and 2 entries per year to the Amex Lounge.
American Express Velocity Platinum Card
50,000
Velocity Frequent Flyer
1.25
20.74% p.a.
$375
Get 50,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
American Express Platinum Business Card
150,000
Membership Rewards
2.25
N/A
$1,750
ABN holders w/ $75,000 revenue. Get 150,000 bonus points and up to 2.25 points/ $1 spent on eligible business purchases.
David Jones American Express Platinum Card
30,000
Membership Rewards
1
20.74% p.a.
$295
DJ's shoppers and Qantas travellers earn 30,000 bonus Membership Rewards Points or 15,000 Qantas Points on eligible spend.
Westpac Altitude Platinum Card
80,000
Westpac Altitude Rewards
1
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.
BankSA Amplify Platinum
N/A
Amplify Rewards
1
0% for 7 months, reverts to 19.74% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
Save with a 0% p.a. for up to 22 months on balance transfers and up to 7 months on purchases. Plus a $0 first-year annual fee.
Bank of Melbourne Amplify Platinum
N/A
Amplify Rewards
1
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.
St.George Amplify Signature
200,000
Amplify Rewards
1.5
19.74% p.a.
$139 annual fee for the first year ($279 p.a. thereafter)
Up to 200,000 bonus points (130k in the first year & 70k in the second year) when you spend $12k/year for the first 2 years.
Bank of Melbourne Amplify Signature
200,000
Amplify Rewards
1.5
19.74% p.a.
$139 annual fee for the first year ($279 p.a. thereafter)
Up to 200,000 bonus points (130k in the first year & 70k in the second year) when you spend $12k/year for the first 2 years.
BankSA Amplify Signature
200,000
Amplify Rewards
1.5
19.74% p.a.
$139 annual fee for the first year ($279 p.a. thereafter)
Up to 200,000 bonus points (130k in the first year & 70k in the second year) when you spend $12k/year for the first 2 years.
David Jones American Express Card
45,000
Membership Rewards
1
20.74% p.a.
$99
Not just for David Jones shoppers, receive 45,000 bonus Membership Rewards Points or 22,500 Qantas Points on eligible spend.
American Express Velocity Business Card
N/A
Velocity Frequent Flyer
1
N/A
$249
ABN holders w/ $75,000 revenue. A business charge card offering Velocity Points per $1 spent and up to 51 days interest-free on purchases.
loading

Compare up to 4 providers

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

364 Comments

  1. Default Gravatar
    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 .

    • Avatarfinder 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

  2. Default Gravatar
    urjal
    January 30, 2019

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

    • Default Gravatar
      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

  3. Default Gravatar
    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?

    • Avatarfinder 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

  4. Default Gravatar
    Tigger
    September 4, 2018

    Does the Woolworths everyday platinum card work with apple pay

    • Avatarfinder 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

  5. Default Gravatar
    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?

    • Default Gravatar
      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

  6. Default Gravatar
    Sophie
    March 24, 2018

    Hi there,

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

    Thank you

    • Default Gravatar
      Liezl
      March 24, 2018

      Hi Sophie,

      Thanks for your question. The additional cardholder fee of $9 is annual fee.

      Cheers,
      Liezl

  7. Default Gravatar
    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.

    • Avatarfinder Customer Care
      Jonathan
      February 22, 2018

      Hi Rajarab, thanks for your recommendation!

      We have forwarded this to our development team for consideration.

      Thanks,

      Jonathan

  8. Default Gravatar
    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?

    • Avatarfinder 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

  9. Default Gravatar
    Chris
    December 24, 2017

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

    • Default Gravatar
      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

  10. Default Gravatar
    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

    • Default Gravatar
      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

Go to site