Woolworths Everyday Platinum Credit Card - Finder Only Offer
- 4,000 bonus Credit Card points
& a $50 eGift Card
$0 first year annual fee
Available only via finder.com.au
Offer ends 31 January 2019
Eligibility criteria, terms and conditions, fees and charges apply
Reward your spending with 4,000 bonus points and a $50 Woolworths eGift card when you meet the spend requirement, plus save with a $0 annual fee in the first year with the Woolworths Everyday Platinum credit card.
With a competitive rewards program and reduced first year annual fee, Woolworths Everyday Platinum credit card customers can enjoy unique perks and platinum privileges. When you apply for the Woolworths Everyday Platinum credit card via finder.com.au by 31 January 2019, you’ll receive a $50 Woolworths eGift Card when you use your new card to spend over $150 on eligible purchases per month for the first three months from card approval. You’ll also get 4,000 bonus Credit Card points when you meet this spend requirement.
| Product Name | Woolworths Everyday Platinum Credit Card - Finder Only Offer |
|---|---|
| Rewards Program | Woolworths Shopping Card Rewards |
| Balance transfer rate (p.a.) | 2.99% p.a. for 18 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 date | 31 January 2019 |
| Annual fee | $0 p.a. annual fee for the first year ($49 p.a. thereafter) |
| Interest Free Period The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date. | 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 |
| Card Type | Visa |
| 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 Insurance | No |
| Minimum Income | $30,000 |
|---|---|
| Minimum Age | 18 years of age |
| Available To Temporary Residents | No |
| Joint Application | No |
| Annual fee | $0 p.a. annual fee for the first year ($49 p.a. thereafter) |
|---|---|
| Minimum Monthly Repayment | 2.5% of the closing balance or $50, whichever is greater |
| 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 |
| Cash Advance Fee | $5 or 3% of the value of the transaction, whichever is the greater |
| Additional Cardholder Fee | $9 |
| Number of Additional Cardholders | 4 |
Pros
- Receive a bonus $50 Woolworths eGift Card and 4,000 bonus Credit Card points when you apply via finder.com.au by 31 January 2019, are approved and spend over $150 on eligible purchases per month for the first 3 months.
- Save with a $0 annual fee for the first year.
- Get 10% off on your first Woolworths shop on selected dates each month.
- Cashback in the form of Woolworths Shopping Cards.
- This card comes with a 2.99% p.a. for 18 months balance transfer offer with no BT fee.
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 variable cash advance rate of 21.99% p.a. at the end of the introductory period.
| Rewards Program | Woolworths Shopping Card Rewards |
|---|---|
| Bonus Points | 4,000 bonus points |
| Rewards Points per $ spent (VISA/MC) | 1 |
| Rewards Points per $ (VISA/MC) Cap | Uncapped |
Benefits of the Woolworths Everyday Platinum Credit Card
- $50 Woolworths eGift Card. You’ll score a $50 eGift Card when you apply by 31 January 2019 and spend more than $150 on eligible purchases per month for the first three months from card approval. The gift card will be sent to the cardholder's registered email on their Woolworths Everyday Platinum account 8 weeks after the eligible purchase has been made.
- 4,000 bonus Credit Card Points. You’ll also receive 4,000 bonus Credit Card Points when you spend $150 per month for the first 3 months. You can redeem a $20 Shopping Gift Card with 4,000 Credit Card Points. This bonus points offer is only available to new cardholders who apply through finder.com.au.
- $0 first year annual fee. Save with a $0 annual fee for the first year when you apply by 31 January 2019. The annual fee reverts to $49 p.a. thereafter.
- 10% off your monthly shop. You'll receive 10% off your first in-store or online shop at Woolworths on a select dates each month up to a maximum amount of $500. This excludes Tasmanian stores.
- Uncapped points per $1 spent. Earn 3 credit card points per $1 spent on Woolworths Select and Woolworths brand products. Earn 2 points per $1 on purchases at Woolworths Supermarkets, BWS, Dan Murphy’s, Cellarmasters, Big W and participating Caltex Woolworths fuel outlets. For all other eligible purchases, you'll earn 1 point per $1 spent. These points don't expire so long as your account remains open. Every four months, your credit card points will automatically be converted to a Woolworths Shopping Card, with a minimum of 4,000 points equalling a $20 Woolworths Shopping Card.
- Balance transfer offer. Pay 2.99% p.a. interest for up to 18 months on balance transfers, with no balance transfer fee if you apply by 31 January 2019. You can transfer a minimum of $500 from Australian store or credit cards not issued by Macquarie.
- Woolworths Rewards. Your Woolworths Everyday Platinum Visa can also double as your Woolworths Rewards membership card, with the barcode printed on the back of your credit card. If you're shopping at Woolworths, BWS, Big W or a participating Caltex Woolworths fuel outlet, just scan this barcode before you pay and you'll collect Woolworths Rewards points for your eligible spending. Note that Woolworths Rewards points are earned separately to the credit card points you get with this card, meaning you can get two different benefits from the card.
- 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.
- Visa Luxury Hotel Collection access. This gives you the chance to enjoy automatic room upgrades and late check-out, complimentary continental breakfast, free in-room Internet daily and a $25 food and beverage voucher. Check out this guide to discover other hotel perks you could get with this Platinum Visa credit card.
Features and fees of the Woolworths Everyday Platinum Credit Card
- Annual fee. Outside of any promotions, this card charges a standard annual fee of $49 p.a.
- 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.
- Interest-free period. You can take advantage of up to 55 days of interest-free purchases if you pay your account balance in full by each monthly due date. This includes any balance transfers, excluding promotion-related interest-free finance balances.
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 through finder.com.au. Ensure you meet the 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 $30,000.
- A good credit history is necessary.
- Only Australian permanent residents may apply.
Information you may need
You should have the following information ready, should it be needed.
- Proof of identity such as your driver's licence or passport
- Evidence of income including recent payslips
- Information about assets and liabilities, such as outstanding debts or dependents
- If you have one, your current Woolworths Rewards number to link to the account.
When you apply for the Woolworths Everyday Platinum credit card through finder.com.au by 31 January 2019, you’ll enjoy bonus points perks that are only available to finder users. Plus with the eGift card offer and reduced first year annual fee, you can reward your spending and save with this Visa credit card.
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