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Woolworths Qantas Platinum Credit Card

Sally McMullen
Sally McMullen
Last updated:  

Earn Qantas Points as you spend and save with a balance transfer offer, $99 first year annual fee and 10% off one shop per month.

Offering Qantas Points on purchases, Woolworths discounts and complimentary insurance covers, the Woolworths Qantas Platinum gives cardholders plenty of benefits and perks.

0% p.a.

Balance transfer rate

for 14 months

20.49% p.a.

Purchase rate

1

Reward point

Per $ spent

$99 p.a.

Annual fee

for the first year ($169 p.a. thereafter)

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Details

Product NameWoolworths Qantas Platinum Credit Card
Rewards programQantas Frequent Flyer
Balance transfer rate0% p.a. for 14 months
Balance transfer revert rateCash Advance Rate (20.49% p.a.)
Purchase rate20.49% p.a.
Annual fee$99 annual fee for the first year ($169 p.a. thereafter)
Interest-free period55 days
Cash advance rate20.49% p.a.
Min credit limit$6,000
Card typeVisa
Foreign currency conversion fee3%
Minimum income$30,000
Available to temporary residentsNo
Joint applicationNo

Pros

  • This card offers a promotional balance transfer of 0% for 14 months with no balance transfer fee.
  • Take advantage of a discounted annual fee of $99 for the first year.
  • Earn an additional Qantas point per $1 spent on selected Qantas products and services.
  • Save 10% off your shop once per month on selected dates.

Cons

  • After the promotional balance transfer period, any balances remaining will accrue interest at the variable cash advance rate (currently 20.49% p.a.)
Rewards programQantas Frequent Flyer
Rewards points per $ spent1
Annual fee$99 annual fee for the first year ($169 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$29

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 Qantas Platinum Credit Card combines the features of a balance transfer card with a premium frequent flyer product. The length of the 0% balance transfer offer is mid-range when compared to other offers, but it doesn’t charge a balance transfer fee which is a plus.

While the balance transfer feature can help you save on interest costs, the frequent flyer program and shopping perks reward you when you spend. The earn rate is particularly competitive if you regularly shop at Woolworths. Unlike some other platinum frequent flyer cards, this doesn’t currently offer any bonus points on signup.

How to apply

You can apply for the Woolworths Qantas 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. You must earn a minimum taxable income of $30,000 p.a.
  • Residency. Applicants must be a permanent Australian resident.

Card benefits

  • Discounted first year annual fee. New customers can look forward to a discounted annual fee of $99 for the first year, reverting to $169 p.a. thereafter.
  • Qantas Points per $1 spent. You'll earn 1 Qantas Point for every $1 spent at Woolworths and Woolworths group stores. All other eligible purchases earn 0.5 Qantas Points per dollar spent, uncapped. Applicants who do not have Qantas Frequent Flyer membership will be provided one at no additional cost during sign up, saving $99.50.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $169.
  • Purchase interest rates. This card has a variable purchase interest rate of 20.49% p.a.

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97 Comments

  1. Default Gravatar
    Andrew
    October 16, 2018

    I am enquiring about the “Platinum Perk” of entitling to fuel discounts. How is this discount achieved? Is it when you redeem points for $10 credit, or is there another discount achieved?

    Reply
    • Avatarfinder Customer Care
      Jhez
      October 16, 2018

      Hi Andrew,

      Thank you for your comment.

      One of the advantages of using the Woolworths Platinum Credit Card is that you also will get access to some special perks. As for the fuel perks, you get to earn 2 points for every $1 spent on products purchased at CALTEX WOOLWORTHS co-branded fuel outlets. Minimum of 4,000 points is required to receive a $20 Shopping Card. More perks are found on the Woolworths card website.

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

      Regards,
      Jhezelyn

      Reply
  2. Default Gravatar
    Jean
    May 6, 2018

    We are going on holidays, 3 cruises and self-drive to England, Ireland, America and Caribbean. Can we use platinum card for insurance? We have paid airfares with the card.

    Reply
    • Avatarfinder Customer Care
      Jeni
      May 6, 2018

      Hi Jean,

      Thank you for getting in touch with finder.

      With this card, you get comprehensive travel insurance including unlimited overseas medical emergency cover, interstate flight inconvenience cover and more. It also provides purchase security insurance and extended warranty insurance for shoppers.

      Please note that overseas travel insurance, interstate flight inconvenience insurance, transport accident insurance, purchase security insurance, extended warranty insurance, wallet guard insurance and global hire car excess waiver are underwritten by ACE Insurance Limited and are subject to the terms, conditions and exclusions contained in the Woolworths Qantas Platinum Credit Card policy of insurance between Macquarie Bank Limited and ACE.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

      Reply
  3. Default Gravatar
    Mel
    May 31, 2017

    I am going to purchase an overseas holiday using my Woolworths credit card in full. Do I have to complete the travel insurance forms that is complimentary with this card? If so where do I find them and are my children also covered in this policy?

    Reply
    • Default Gravatar
      Jonathan
      May 31, 2017

      Hi Mel!

      Thanks for the comment.

      Family members are only covered if they are with you during the entire trip, as with most insurers’ requirements.

      It is best to contact them directly about the forms and other paperworks you would need.

      Hope this helps.

      Cheers,
      Jonathan

      Reply
  4. Default Gravatar
    Charles
    May 22, 2017

    1. To qualify for the 16000 Qantas bonus points, do you only have to make one eligible purchase by 31 July? Is there a minimum amount of purchase?
    2. What is the eligibility for international travel insurance?
    3. What is meant by “Interstate flight inconvenience cover”?
    4. Is there a rewards program fee on top of the annual fee of $169?
    5. Are self funded retirees eligible for the card?

    Reply
    • Avatarfinder Customer Care
      Dee
      May 31, 2017

      Hi Charles,

      Thanks for your questions and here are the answers.

      1. To qualify for the 16,000 bonus points, one of the eligibility criteria is for you to make at least 1 eligible purchase by July 31. There is no minimum amount requirement for the purchase

      2. According to the complimentary travel insurance terms and conditions of this card, to be eligible, the total value of your return overseas travel ticket must be obtained prior to the commencement date of your trip by you by one of these methods:

      a. was paid using your Woolworths Money Qantas Platinum Credit Card Account, and/or
      b. was paid by redeeming your Qantas Points earned on the Woolworths Money Qantas Platinum Credit Card Account in exchange for Your return overseas travel ticket.
      Other eligibility criteria apply.

      3. Interstate flight inconvenience cover is available to Cardmembers who are on interstate Australian holiday of up to fourteen (14) days.

      4. You must be a member of the Qantas Frequent Flyer program to earn Qantas points. A joining fee applies for new Qantas memberships.

      5. Woolworths consider applicants who are retired. You need to provide the details of your gross annual income (before tax and including super) and provide your most recent superannuation statement.

      Cheers,
      Anndy

      Reply
  5. Default Gravatar
    Maggie
    May 11, 2017

    Hi, To be eligible for the Overseas travel insurance do the trip has to be paid with this card?
    Many thanks Maggie

    Reply
    • Avatarfinder Customer Care
      Dee
      May 11, 2017

      Hi Maggie,

      Thanks for your question.

      You may be eligible to receive the complimentary travel insurance cover attached to your Woolworths Qantas Platinum Credit Card if prior to the commencement date of your trip, you obtained the total value of the return overseas travel ticket by one of the following methods:

      a. Charging to a Woolworths Money Qantas Platinum Credit Card Account, and/or
      b. Redeeming Qantas Points earned on the Woolworths Money Qantas Platinum Credit Card Account in exchange for Your return overseas travel ticket

      Other eligibility criteria apply.

      Cheers,
      Anndy

      Reply
  6. Default Gravatar
    Peter
    April 26, 2017

    Hi,
    I am a Woolworth employee, Do l need to pay an annual fee ?

    Reply
    • Avatarfinder Customer Care
      Harold
      April 27, 2017

      Hi Peter,

      Thank you for your inquiry.

      Basically, with Woolworths Qantas Platinum Credit Card the annual fee on the card is $99 for the first year and a standard $169 annual fee will apply thereafter. If you have acquired this credit card, yes, you are still entitled to pay the annual fee for this card regardless you are an employee of Woolworths or not.

      I hope this information has helped.

      Cheers,
      Harold

      Reply
  7. Default Gravatar
    Harriet
    December 1, 2016

    Is a part pensioner/self-funded retiree eligible for this card?

    Reply
    • Avatarfinder Customer Care
      Dee
      December 2, 2016

      Hi Harriet,

      Thanks for your question.

      Yes, as a pensioner, you may apply for Woolworths Money Qantas Platinum Credit Card and you’ll need to provide your most recent Centrelink statement to apply.

      You may also want to check out this page to see which credit card companies consider pensioneers and retirees.

      Please do note that other eligibility criteria apply.

      Cheers,
      Anndy

      Reply
  8. Default Gravatar
    Matt
    November 3, 2016

    I would like to apply for one of your cards

    Reply
    • Avatarfinder Customer Care
      May
      November 3, 2016

      Hi there,

      Thank you for your question.

      If you wish to apply for the Woolworths Money Qantas Platinum Credit Card, you can complete the secure online application form provided on the Woolworths website. You may also compare your other credit card options on this page. Please review the criteria and requirements before you submit your application through the website of the bank by clicking the green ‘Go to site’ button.

      I hope this helps.

      Cheers,
      May

      Reply
  9. Default Gravatar
    Arpana
    October 16, 2016

    Hi I am a employe of woolworths , do I need to pay annual fee for woolworths quants credit card ?

    Reply
    • Avatarfinder Customer Care
      May
      November 4, 2016

      Hi Arpana,

      Thanks for your question.

      If you have acquired the Woolworths Money Qantas Platinum Credit Card, yes, you’re still required to pay the annual fee for this card regardless you are an employee of Woolworths or not.

      Cheers,
      May

      Reply
  10. Default Gravatar
    Karen
    October 15, 2016

    Hi, if I am overseas and need help with the credit card who would I call?

    Reply
    • Avatarfinder Customer Care
      Ysa
      October 22, 2016

      Hi Karen,

      Thanks for your question.

      For direct assistance, you can get in touch with the Woolworths customer service team on +61 2 8276 0144, while you’re overseas.

      I hope this helps.

      Cheers,
      Ysa

      Reply
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