Woolworths Everyday Platinum Credit Card

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.

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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)

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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 periodUp to 55 days on purchases
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
Bonus pointsN/A
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
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Review by


Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally 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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NAB Qantas Rewards Signature Card
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Citi Premier Card
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Qantas Premier Platinum
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Suncorp Clear Options Platinum Card - Exclusive Offer
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Receive a 0% balance transfer rate for 24 months and a reduced first-year annual fee. Plus, 25,000 bonus Suncorp Credit Card Rewards Points.
St.George Amplify Platinum - Qantas
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Earn 60,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 15 months with a 1% BT fee.
Citi Premier Qantas Card
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Get 75,000 bonus Qantas Points when you meet the spend requirement, a first-year annual fee discount and complimentary travel perks.
ANZ Frequent Flyer Black
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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 - Bonus Points Offer
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$0 annual fee for the first year ($129 p.a. thereafter)
Get up to 40,000 bonus Velocity Points on eligible spending and a $0 first-year annual fee. Also, a 0% balance transfer offer.
Coles Rewards Mastercard
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$0 annual fee for the first year ($99 p.a. thereafter)
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Westpac Altitude Platinum Card
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Virgin Australia Velocity Flyer Card - Balance Transfer Offer
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364 Comments

    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 start comparing credit cards for pensioners like you using our comparison table. When you are ready, press the ‘Go to site’ to apply.

      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

    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

    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 payslip. 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 cards for new employees. This is the same with Woolworths.

      Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.

      Regards,
      Jhezelyn

    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

    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

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