Woolworths Everyday Platinum Credit Card – Rates and Fees

28 July 2017

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.

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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