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  • Woolworths credit card reviews

    How are Woolworths credit cards rated by the Mozo community?

    78%

    Overall Mozo Community rating: 7.8 out of 10

    Woolworths credit cards

    Overall rating: 7.8 (30 reviews)*

    Last reviewed: 08 May 2012


    1. Overall customer rating
    1. Price
    1. Features
    1. Service
    1. Convenience
    1. Trust

    * based on reviews in the past 12 months

    Reviews: 44

    Thumbs up: 34 | Thumbs down: 9

    Featured credit card from Woolworths

    • Everyday Money Credit Card
    • interest rate

      19.84%

    • annual fee

      $49.00


    Other credit cards

    • Low Fee Student Credit Card
    • interest rate

      20.24%

    • annual fee

      $0.00

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    • Virgin No Annual Fee Credit Card
    • interest rate

      18.99%

    • annual fee

      $0.00

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    Recent Woolworths credit card reviews

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    • Great rewards program and interest free period

        1. Overall customer rating
        2. (Reviewed 19 days ago)

      Love the Woolworths Mastercard as it provides me with the opportunity to rack up frequent flyer points every time I go shopping or make any sort of purchase. I can also link it with my everyday rewards card and double my frequent flyers!!       Full review 

      Love the Woolworths Mastercard as it provides me with the opportunity to rack up frequent flyer points every time I go shopping or make any sort of purchase. I can also link it with my everyday rewards card and double my frequent flyers!!


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      Woolworths credit card reviewed by Kathryn from Queensland

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        1. Overall customer rating
        2. (Reviewed 4 months ago)

      Their website is not up to scratch, too long to sign in compared to other institutions.The interest rate is too high.       Full review 

      Their website is not up to scratch, too long to sign in compared to other institutions.The interest rate is too high.


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      Woolworths credit card reviewed by Eddie from Queensland

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        1. Overall customer rating
        2. (Reviewed 4 months ago)

      FRIENDLY, TRUSTWORTHY AND RELIABLE. Made an unusual transaction on credit card and they rang to make sure it was me who authorised it....at least they are keeping an eye on fraudsters!       Full review 

      FRIENDLY, TRUSTWORTHY AND RELIABLE. Made an unusual transaction on credit card and they rang to make sure it was me who authorised it....at least they are keeping an eye on fraudsters!


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      Woolworths credit card reviewed by Juanita from New South Wales

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        1. Overall customer rating
        2. (Reviewed 4 months ago)

      Their credit card is great because we pay no annual fee and they have a great reward system. We receive a wish card every 4 months.       Full review 

      Their credit card is great because we pay no annual fee and they have a great reward system. We receive a wish card every 4 months.


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      Woolworths credit card reviewed by Vicki from New South Wales

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        1. Overall customer rating
        2. (Reviewed 5 months ago)

      Scanning devices could have some affect to it but im not sure but its great for me, i can put money on it like a keycard but use it like credit card. It's just amazing.       Full review 

      Scanning devices could have some affect to it but im not sure but its great for me, i can put money on it like a keycard but use it like credit card. It's just amazing.


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      Woolworths credit card reviewed by Sara from Queensland

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        1. Overall customer rating
        2. (Reviewed 5 months ago)

      The rechargeable MasterCard is a great idea for travelling and controlling credit expenses. You can recharge the card through BPay then use it for expenses when you don't want the card linked to your bank account, or when you want to limit how muc...       Full review 

      The rechargeable MasterCard is a great idea for travelling and controlling credit expenses. You can recharge the card through BPay then use it for expenses when you don't want the card linked to your bank account, or when you want to limit how much you (or someone else) can spend with the card. Very reasonable recharge rates and much handier than a fixed amount pre-paid card.


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      Woolworths credit card reviewed by Mike from Australian Capital Territory

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        1. Overall customer rating
        2. (Reviewed 6 months ago)

      The main reason I signed-up for the Woolworths Everyday Money card was because I can pay at the pump when filling up the car - for less than one dollar a week (annual fee), it is well worth it to avoid the stress of filling up with 2 (or more) sma...       Full review 

      The main reason I signed-up for the Woolworths Everyday Money card was because I can pay at the pump when filling up the car - for less than one dollar a week (annual fee), it is well worth it to avoid the stress of filling up with 2 (or more) small, often sleeping, children in the car! They can stay safe in the car and no need to keep the kids under control while lining up (or feel guilty for leaving them in the car while running into pay). I do often wonder if other customers think I'm doing a runner! You're fuel discount (for spending at the supermarket) is also applied at the pump. Highly recommend this card to all parents with children, no more stress when refuelling. I also use it now for all Woolworths purchases and receive a gift card for (on average) $40 every few months. But make sure you use the gift card within 3 months (I realised 2 weeks too late that 1 of my gift cards had expired grrr)


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      Woolworths credit card reviewed by a Mozo reviewer from Queensland

      2 people found this review helpful – do you?

      Yes
        1. Overall customer rating
        2. (Reviewed 6 months ago)

      We tend to shop at Woolworths so this credit card (Woolworth's Everday Rewards Mastercard) gives us the opportunity to earn Qantas FF points on products we would usually buy as it is linked to our Woolworths Everday Rewards Card; and we get 1 poi...       Full review 

      We tend to shop at Woolworths so this credit card (Woolworth's Everday Rewards Mastercard) gives us the opportunity to earn Qantas FF points on products we would usually buy as it is linked to our Woolworths Everday Rewards Card; and we get 1 point to every dollar spent AND bonus points with special deals at Woolworths, BWS, Big W, Dick Smith. It gives us the option to pay at the bowser at Woolworths branded Caltex petrol Stations so we don't have to go into the store itself and queue to pay at the counter (and you still get points or can use the fuel discount vouchers you earn on Woolworths/BWS store purchases over $30). We can make payments at a Woolworths store which is handy if we ever have extra cash - otherwise we just pay by BPAY. The annual fee has paid for itself in points and because we pay off the full monthly balance we have never paid interest but like all credit cards I guess the interest rate would have to be a consideration if you only pay the minimum monthly balance. Also with merchants such as airlines, hotels etc charging to use credit cards sometimes it's good to consider paying by other means as the value of the points may be less than the cost of the transaction but that's for other merchants and apply whichever card you use - there's no fees at the Woolworths group stores. We'll often shop elsewhere (eg ALDI) for other lines but we can still use the credit card and get points on those purchases too so that's good as it stops you from blindly paying more if you can buy it cheaper elsewhere.


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      Woolworths credit card reviewed by Grant from Queensland

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        1. Overall customer rating
        2. (Reviewed 6 months ago)

      Great rewards when you shop at woolies and use your credit card to pay.. also connected to qantas frequent flyer so your able to get more points! Interest rates a little higher but still worth it i think..       Full review 

      Great rewards when you shop at woolies and use your credit card to pay.. also connected to qantas frequent flyer so your able to get more points! Interest rates a little higher but still worth it i think..


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      Woolworths credit card reviewed by Renee from South Australia

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      Yes
        1. Overall customer rating
        2. (Reviewed 9 months ago)

      This is a well priced product with a simple rewards system. You automatically receive gift cards which are useful for shopping and easy to redeem. Some other cards will provide better rewards or more features, but will generally cost more. This i...       Full review 

      This is a well priced product with a simple rewards system. You automatically receive gift cards which are useful for shopping and easy to redeem. Some other cards will provide better rewards or more features, but will generally cost more. This is a good low cost, simple rewards based credit card.


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      Woolworths credit card reviewed by Rob from South Australia

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        1. Overall customer rating
        2. (Reviewed 9 months ago)

      I love my Woolworths pre paid master card, I use it to purches products online whats even better is when im paying for products under $100 i just swipe and go =] its so conveinent. And the fees are as low as $1 a month =] I LOVE IT SOOO MUCH       Full review 

      I love my Woolworths pre paid master card, I use it to purches products online whats even better is when im paying for products under $100 i just swipe and go =] its so conveinent. And the fees are as low as $1 a month =] I LOVE IT SOOO MUCH


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      Woolworths credit card reviewed by Tracy from Victoria

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        1. Overall customer rating
        2. (Reviewed 10 months ago)

      I love the fact that they have a prepaid feature which means you will never spend more than you can afford, plus you always know how much you have left with their SMS updates!       Full review 

      I love the fact that they have a prepaid feature which means you will never spend more than you can afford, plus you always know how much you have left with their SMS updates!


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      Woolworths credit card reviewed by Samara from Queensland

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        1. Overall customer rating
        2. (Reviewed 10 months ago)

      I love this card as everytime you use it you get 1 point for using it anywhere. 2 points for shopping at Woolworths and Big W. So at the moment I get a $60 gift card automatically sent to me each quarter. Also it is great buying petrol at Woolw...       Full review 

      I love this card as everytime you use it you get 1 point for using it anywhere. 2 points for shopping at Woolworths and Big W. So at the moment I get a $60 gift card automatically sent to me each quarter. Also it is great buying petrol at Woolworths petrol stations. You can swipe your card at the pump so it saves time and is great when you have the kids in the car and don't have to leave them to go inside to pay.


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      Woolworths credit card reviewed by John from New South Wales

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        1. Overall customer rating
        2. (Reviewed 10 months ago)

      I think this program has the best qantas freq flyer reward points for under $100 a year, they also have double points promos and is so easy to review what points you have and easy to review your statement on line. I guess the main con is if yo...       Full review 

      I think this program has the best qantas freq flyer reward points for under $100 a year, they also have double points promos and is so easy to review what points you have and easy to review your statement on line. I guess the main con is if you want lots of points you need to mainly shop at woolie owned stores. I have recommended this to a family member.


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      Woolworths credit card reviewed by Gabe from Victoria

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        1. Overall customer rating
        2. (Reviewed 11 months ago)

      Good reward program, the only one I found that gives you 1 QFF point for each dollar you spend on mastercard (as opposed to AMEX which lots of places don't accept)       Full review 

      Good reward program, the only one I found that gives you 1 QFF point for each dollar you spend on mastercard (as opposed to AMEX which lots of places don't accept)


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      Woolworths credit card reviewed by Mel from Victoria

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        1. Overall customer rating
        2. (Reviewed 12 months ago)

      Pros: Excellent rewards program, Low annual fee, Many ways to repay Cons: No instant cash transfer, Stand alone site, Website doesn't have a good UI       Full review 

      Pros: Excellent rewards program, Low annual fee, Many ways to repay Cons: No instant cash transfer, Stand alone site, Website doesn't have a good UI


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      Woolworths credit card reviewed by Sam from South Australia

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        1. Overall customer rating
        2. (Reviewed 12 months ago)

      Very easy to use. Get lots of points which all add up. In general, a very good credit card to have.       Full review 

      Very easy to use. Get lots of points which all add up. In general, a very good credit card to have.


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      Woolworths credit card reviewed by George from Western Australia

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        1. Overall customer rating
        2. (Reviewed about 1 year ago)

      This is a great card to use for everything possible, to accrue maximum points towards a gift card which arrives in the mail three times a year and can be used in Woolworths/Safeway supermarkets and a few other places. BUT a great downside to th...       Full review 

      This is a great card to use for everything possible, to accrue maximum points towards a gift card which arrives in the mail three times a year and can be used in Woolworths/Safeway supermarkets and a few other places. BUT a great downside to the card is that Woolworths are SO slow to update the account online with details of purchases, or to allocate payments onto the card. It can take almost a week for the details of a purchase to appear among the transactions. And it usually takes almost a full week for a BPay payment from my credit union to be allocated to and available on the Woolworths credit card, so I often get close to my limit and have to use my other credit card for a while. Catches me out regularly. I wonder why it still hasn't been fixed? Plus the website is regularly unavailable for a while at around 11 o'clock or later each night. Odd.


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      Woolworths credit card reviewed by Dianne from Victoria

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        1. Overall customer rating
        2. (Reviewed about 1 year ago)

      Highest Qantas point earn (1pt per dollar) for a Mastercard available anywhere.       Full review 

      Highest Qantas point earn (1pt per dollar) for a Mastercard available anywhere.


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      Woolworths credit card reviewed by Marty from New South Wales

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        2. (Reviewed over 1 year ago)

      The annual fee should be lower. There are other rewards cards such as Source Card that does not carry an annual fee. If Source card has the same reward level, I would be more likely to switch.       Full review 

      The annual fee should be lower. There are other rewards cards such as Source Card that does not carry an annual fee. If Source card has the same reward level, I would be more likely to switch.


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      Woolworths credit card reviewed by Metter from New South Wales

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        1. Overall customer rating
        2. (Reviewed over 1 year ago)

      Cheap fees, but hidden charges. For example, it is not apparent that paying by BPay the full balance 2 days before it's due can still cost a $35 fee and potentially $100s in interest as BPay payments are not credited for up to 5 days. Web site is...       Full review 

      Cheap fees, but hidden charges. For example, it is not apparent that paying by BPay the full balance 2 days before it's due can still cost a $35 fee and potentially $100s in interest as BPay payments are not credited for up to 5 days. Web site is poor and customer service is atrocious (limited hours and many staff with a limited grasp of English - most likely offshore). Rewards only credited every 4 months and then only in chunks, not everything that you've earned.


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      Woolworths credit card reviewed by Matt from Victoria

      2 people found this review helpful – do you?

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