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Woolworths Everyday Platinum Credit Card – Rates and Fees

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A platinum credit card that offers reward points, discounts, a 0% p.a. balance transfer offer and $0 annual fee for the first year.

The Woolworths Everyday Platinum Credit Card functions as a conventional credit card and is suited to people who spend money at outlets like Woolworths Supermarkets, Woolworths Liquor, and BWS. This is because you stand to get extra reward points when you use this card at these establishments. Plus, you'll get to earn $100 Woolworths eGift Card if you apply by 30 September 2017 and make a purchase by 31 October 2017.

Standard reward points apply when you use this card with other merchants. This card also doubles as your Everyday Rewards card, allowing you to earn additional Qantas Points, receive member discounts at Woolworths and fuel savings.

Rewards come in the form of Woolworths Shopping cards that you receive every four months, the value of which depends on the points you accumulate. You can also take advantage of up to 55 days interest-free on eligible purchases as long as you pay the total outstanding balance on the card before the due date.

Product NameWoolworths Everyday Platinum Credit Card
Rewards ProgramEveryday Money Reward Points
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 date30 September 2017
Annual fee$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
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
Minimum Monthly Repayment2.5% of the closing balance or $50, whichever is greater
Minimum Income$20,000
Card TypeVisa
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
Complimentary Travel InsuranceNo
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationNo
Minimum Income$20,000
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
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
Annual Fee$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Minimum Repayment2.5% of the closing balance or $50, whichever is greater
Late Payment Fee$35
Over Limit Fee$30
Cash Advance Fee$5 or 3% of the value of the transaction, whichever is the greater
Overseas Emergency Replacement$0
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
Gambling Transactions AllowedNo
Additional Cardholder Fee$9 p.a.
Number of Additional Cardholders1
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingNo
Internet Banking TransfersNo
In BranchNo
MailYes

Pros

  • Receive a $100 eGift Card when you apply by 30 September 2017 and make an eligible purchase by 31 October 2017.
  • Enjoy a waived annual fee for the first year.
  • This card comes with a 0% p.a. for 14 months balance transfer offer.
  • You'll also receive cash back in the form of Woolworths Shopping Cards.
  • Get 10% off on your first Woolworths shop on a selected weekend every month.
  • This card can be linked to the other Woolworths rewards cards.
  • Dine Play Stay allows you to enjoy discounts at thousands of restaurants, hotels and attractions across Australia and NZ. You can save up to 20% off your total bill, up to a maximum deduction of $25 at over 2,000 participating restaurants.
  • This card provides automatic room upgrade and allows late checkout at Visa Luxury hotels.

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 standard cash advance rate of 21.99% p.a. at the end of the introductory period. This means that if you're unable to pay your balance by the end of the promotional period, you'll begin accruing interest on the balance and could lose the savings made initially.
Rewards ProgramEveryday Money Reward Points
Rewards Points per $ (VISA/MC)1
Rewards Points per $ (AMEX)0
Rewards Points per $ (VISA/MC) CapUncapped
Rewards Points per $ (AMEX) CapN/A
Points ExpiryNever

Woolworths Everyday Platinum Credit Card review

The Money Everyday Platinum Credit Card provides platinum card benefits and can reward you with up to 3 points for every dollar spent. You can accumulate your points in many retail outlets and shops around Australia, plus earn bonus points when you shop at Woolworths and BWS. Points never expire and there's no cap, so you can accumulate as many points as your purchases attract. You can get an additional card at no extra charge and choose from two different card colours, which include silver or orange.

Benefits of the Woolworths Everyday Platinum Credit Card

  • Annual fee. Pay $0 for the first year and $49 every subsequent year.
  • Balance transfer offer. Receive 0% p.a. for 14 months on balance transfers if you apply by 30 September 2017.
  • $100 Woolworths eGift Card. The $100 eGift Card can be earned by new primary Woolworths Platinum credit cardholders who apply by 30 September 2017 and make an eligible purchase by 31 October 2017.
  • Interest-free period. You can take advantage of up to 55 days of interest-free purchases if you pay your balance in full by each due date. This closing balance includes any balance transfer amount or other promotion-related balances. Remember that this interest-free period applies only to purchases, and not on balance transfers and cash advances.
  • Visa Luxury hotel collection access. This provides an automatic room upgrade and late check-out, complimentary continental breakfast, free in-room internet daily and a $25 food and beverage voucher.
  • Purchase security and wallet guard. Your Woolworths Everyday Platinum Credit Card comes with complimentary purchase security and wallet guard for peace of mind.
  • 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.
  • Rewards. 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, Caltex and Woolworths co-branded fuel outlets, Dan Murphy’s, and more. For all other eligible purchases, earn 1 point for every dollar you spend. You get a Money Everyday Shopping Card every four months, or annually if you choose, which you can redeem at participating Woolworths group stores. Plus, Woolworths Rewards don't expire so long as your account remains open.
  • Cash back as Woolworths Shopping Cards. Every time you use your card to make an eligible purchase, you'll earn Credit Card points towards a Woolworths Shopping Card to redeem in-store at Woolworths supermarkets and its partners (such as Big W, BWS and Dan Murphy's). When you earn 4,000 points, you'll receive a $20 Shopping Card every 4 months. You'll collect 2 points for every $1 spent on purchases at Woolworths Supermarkets and partnered stores and 1 point per $1 spent on all other eligible transactions.
  • Discounts & extras. Receive the following discounts and extras with your Woolworths Everyday Platinum Credit Card:
    • 10% off your monthly shop. You'll receive 10% off your first in-store shop at Woolworths on a selected weekend every month when you scan the barcode on the back of your credit card and pay with your Woolworths Everyday Platinum Credit Card. This applies to a maximum purchase amount of $500 and excludes Tasmania stores.
    • Cellarmasters. Receive 50% off selected wine cases at Cellarmasters.
    • Woolworths. Provides discounts of up to 10% off Woolworths Insurance including car, home, pet and travel insurance (excluding life insurance).
  • Globally accepted. Since this is a Visa card, you can use it at over 30 million locations worldwide, and this includes access via ATMs and EFTPOS. Its PayWave technology enables quicker checkouts at merchants who support this technology.

Features of the Woolworths Everyday Platinum Credit Card

  • 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.
  • Woolworths eGift Card. Any Woolworths Everyday Platinum credit cardholders who apply by 30 September 2017 and make purchases by 31 October 2017 will be eligible to earn $100 Woolworths eGift Card, which will be credited to their respective Woolworths Rewards accounts linked to the Woolworths Everyday Platinum Credit Card 8 weeks after the eligible purchase has been made.
  • Dine Play Stay. Provides discounts at thousands of restaurants, hotels and attractions across Australia and NZ. This benefit allows you to save up to 20% off your total bill, up to a maximum deduction of $25 at over 2,000 participating restaurants.
  • Visa PayWave. Allows you to wave and go for purchases under $100 for quicker transactions and saving time
  • Late payment. Reminder fee of $35 applies for late payments.

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. Alternatively, you can call Woolworths customer service and get them to mail you an application. In either case, you have to meet certain 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 $20,000.
  • A good credit history is necessary.
  • Only Australian residents may apply.

Required documents

  • Proof of income which can come in the form of recent payslips or a letter from your employer within the last 30 days
  • Documents to prove your identity, which should satisfy a 100 point identification check

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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318 Responses

  1. Default Gravatar
    peilsJuly 19, 2017

    Hi, just wondering, if I have previously had this card but have paid it off and closed the account 7 months ago, am I now considered a ‘new customer’?
    Also, does making normal purchases affect when the balance transfer amount is repaid? Which component is repaid first?
    Thanks.

    • Staff
      ArnoldJuly 20, 2017Staff

      Hi Peils,

      Thanks for your inquiry.

      Yes, you will be considered as a new cardholder once you apply. Apply before 30 September 2017 and make an eligible purchase by 31 October 2017 and you will receive a $100 eGift Card.

      You can take advantage of up to 55 days of interest-free purchases if you pay your balance in full by each due date. This closing balance includes any balance transfer amount or other Promotion-related balances. Remember that this interest-free period applies only to purchases, and not on balance transfers and cash advances. Minimum Repayment is 2.5% of the closing balance or $50, whichever is greater.

      Hope this information helped.

      Cheers,
      Arnold

    • Default Gravatar
      July 20, 2017

      Thank you Arnold. Just to confirm though that the current balance transfer offer is 0% for 14 months.
      I tried to look up terms of the overall limit vs requested balance transfer amount. Is there a maximum % that the balance transfer amount has to be below the approved limit? Thanks.

    • Staff
      JonathanJuly 22, 2017Staff

      Hello Peils,

      Thank you for sending your inquiry today.

      As per Woolworth’s Balance Transfer T&Cs Section 4, it states that:

      “We will transfer the balances specified by you to your Account, in full or in part, subject to $500 remaining in your available credit limit. If you have multiple BT requests, we will transfer these in the order they appear in your request”

      Hope this helps.

      Cheers,
      Jonathan

  2. Default Gravatar
    ChanJuly 6, 2017

    Does payments on travel card (Opel) be eligible for Monthly 10% off purchases?
    Any Woolworths points on travel card top ups?
    Does Woolworths money card issue for every 4 months are in addition to everyday rewards money off from the shopping?
    Thanks
    Chan

    • Staff
      JonathanJuly 11, 2017Staff

      Hello Chan!

      Thanks for the comment! :)

      10% off is applicable for purchases made in-store or at Woolworths’s website. It excludes purchases of liquor, smoking/tobacco products, newspapers, accessories and cards and is not available in Tasmania. As for the Woolworths Money Shopping card every four months, yes they are solely accumulated based on the number of points for eligible purchases.

      We recommend that you check the full Terms and Conditions of Woolworths Money Shopping Card Rewards Program and Woolworths Everyday Platinum Credit Card for further information. :)

      Hope this helps.

      Cheers,
      Jonathan

  3. Default Gravatar
    JohnJuly 1, 2017

    Hi there,

    Just wondering when the balance transfer ‘introductory period’ starts for this card?
    Is it when the card is approved, or is it when the balance is transferred over from another credit card?
    Is there any balance transfer fee?
    Finally can 100% of another credits card debt be transferred to this card?

    Regards
    John

    • Staff
      DanielleJuly 2, 2017Staff

      Hi John,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      The 0% p.a. interest rate applies only to balances transferred with this offer for the first fourteen months from the date your account is approved. There are no balance transfer fees, you may refer to the “Fees & Repayments” tab for a full list of fees. 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. You may contact Woolsworths directly for additional information.

      I hope this helps.

      Cheers,
      Danielle

  4. Default Gravatar
    RogerJuly 1, 2017

    What documents to prove identity are required to satisfy 100 points?

    Cheers Roger

    • Staff
      LiezlJuly 1, 2017Staff

      Hi Roger,

      Thanks for your question.

      You may refer to our guide on 100 point system on this page to check the list of documents and their corresponding points value.

      Cheers,
      Liezl

  5. Default Gravatar
    JANKIJune 27, 2017

    Hi

    Some bank charge 2% of balance transfer fee.

    So Is there any transaction fee on balance transfer for woolworth platinum credit card?

    Thanks

    • Staff
      MayJune 27, 2017Staff

      Hi Janki,

      Thanks for reaching out.

      With Woolworths Everyday Platinum Credit Card, there is no fee when you request for a balance transfer to this card.

      Cheers,
      May

  6. Default Gravatar
    JoshuaMay 31, 2017

    Hi,
    I’m a temporary resident. Am I eligible to apply for the Woolworths Everyday Platinum Credit Card? [The Woolworths application page says the applicant should be a permanent resident.]
    Thanks.

    • Staff
      JhezelynJune 1, 2017Staff

      Hi Joshua,

      Thanks for getting in touch with finder.com.au.

      Conditions do apply for temporary residents wanting to apply for the Woolworths Everyday Platinum Credit Card. Applicants for the said card may need to supply the income source/ proof of income.

      Hope this helps.

      Regards,
      Jhezelyn

  7. Staff
    LiezlApril 28, 2017Staff

    Hi Bruce,

    Thank you for your question.

    With Woolworths balance transfer credit card, you need to have $500 remaining in your available credit limit after your debt has been transferred. You can get more information about Woolworths Credit Cards Balance Transfer on this page.

    Best regards,
    Liezl

  8. Default Gravatar
    VictorApril 7, 2017

    If I apply balance transfer for 5k for Woolworths Everyday Platinum Credit Card and spend $500 on the monthly basis by using the card.

    How does it work if I am paying 5k for 14month interest free and at same time of pay $500 for monthly bill. How does the interest works.

    • Staff
      HaroldApril 14, 2017Staff

      Hi Victor,

      Thank you for your inquiry.

      Basically, the interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement. The 0% p.a. for 14 months is applicable on balance transfers if you apply by 30 June 2017.

      I hope this information has helped.

      Cheers,
      Harold

  9. Default Gravatar
    RicardoApril 7, 2017

    Can Balance transfers be made from AMEX? I have an explorer card and would like to use the Woolworths to take care of my current Amex balance

    • Staff
      AnndyApril 7, 2017Staff

      Hi Ricardo,

      Thanks for your question.

      Yes, you may transfer a balance from an American Express credit card to Woolworths Everyday Platinum Credit Card.

      You can visit this page if you want to check where else you can balance transfer to.

      Cheers,
      Anndy

    • Staff
      LiezlApril 7, 2017Staff

      Hi Ricardo,

      Thank you for your question.

      Yes, you can transfer your non-Woolworths credit card or store card debt to a Woolworths credit card. You may want to check this page to know more about Woolworths’ balance transfer.

      I Hope this helps.

      Regards,
      Liezl

  10. Default Gravatar
    phoebeMarch 22, 2017

    Does this credit card provide Fraud protection?

    • Staff
      AnndyMarch 22, 2017Staff

      Hi Phoebe,

      Thanks for your question.

      Woolworths Everyday Platinum Credit Card does have Visa Zero Liability Policy in which you won’t be held responsible for fraudulent charges or unauthorised purchases made with your card or account information.

      Cheers,
      Anndy

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