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Woolworths Everyday Platinum Credit Card

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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


Reward point

Per $ spent (Visa/Mastercard)

$0 p.a.

Annual fee

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


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 rate (p.a.)19.99% p.a.
Annual fee$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Interest free period55 days
Cash advance rate (p.a.)19.99% p.a.
Min credit limit$6,000
Card typeVisa
Foreign currency conversion fee (Visa/Mastercard)3%
Complimentary travel insuranceNo
Minimum Income$30,000
Minimum age18 years of age
Available to temporary residentsNo
Joint applicationNo


  • $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.


  • 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 $ spent (Visa/Mastercard)1
Annual fee$0 p.a. 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 fee (Visa/Mastercard)3%
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.

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  1. Default Gravatar
    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
      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!


  2. Default Gravatar
    January 30, 2019

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

    • Default Gravatar
      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!


  3. Default Gravatar
    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
      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.


  4. Default Gravatar
    September 4, 2018

    Does the Woolworths everyday platinum card work with apple pay

    • Avatarfinder Customer Care
      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!


  5. Default Gravatar
    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
      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.


  6. Default Gravatar
    March 24, 2018

    Hi there,

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

    Thank you

    • Default Gravatar
      March 24, 2018

      Hi Sophie,

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


  7. Default Gravatar
    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
      February 22, 2018

      Hi Rajarab, thanks for your recommendation!

      We have forwarded this to our development team for consideration.



  8. Default Gravatar
    January 17, 2018

    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
      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,

  9. Default Gravatar
    December 24, 2017

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

    • Default Gravatar
      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


  10. Default Gravatar
    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.


    • Default Gravatar
      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.


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