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Woolworths credit cards

Woolworths
Woolworths's overall rating for credit cards

(as rated by the Mozo community)

6.3 / 10

based on 188 reviews

If you’re a regular Woolworths shopper, then you’ll love the credit card options on offer from the supermarket giant. We’ve collected all the details for you - features, rates, and fine print, so you can decide if this piece of plastic is the right one for your wallet.

Rates and fees verified as correct at 01 June, 2020. Other information correct at the time of writing.

What credit cards do Woolworths offer?

Low fee credit cards Low fee credit cards

Want premium rewards without the premium price tag? The low fee option from Woolworths will have you racking up points, without paying through the nose for the privilege.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

19.99% p.a.

0% p.a. for 14 months and then 19.99% p.a.

$49 $0 in the first year

55


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Rewards credit cards Rewards credit cards

It’s all about getting more value from your shop with a Woolworths credit card! Earn points every time you go grocery shopping with one of these affordable and convenient premium credit cards. Check out the stats below:

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, uncapped

19.99% p.a.

0% p.a. for 14 months and then 19.99% p.a.

$49 $0 in the first year

0.5 points per dollar on Visa, uncapped

20.49% p.a.

0% p.a. for 14 months and then 20.49% p.a.

$169 $99 in the first year


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Prestige cards Prestige cards

If all your rewards points are destined to be redeemed in the qantas store or on some discount flights, then pick up a Qantas card from Woolies and save yourself the hassle of converting them. With this card, all your hard earned points are automatically credited to the frequent flyer program to have you jetting off sooner.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, uncapped

19.99% p.a.

0% p.a. for 14 months and then 19.99% p.a.

$49 $0 in the first year

0.5 points per dollar on Visa, uncapped

20.49% p.a.

0% p.a. for 14 months and then 20.49% p.a.

$169 $99 in the first year


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Frequent flyer credit cards Frequent flyer credit cards

Add a little bit of luxury to your spend - with a prestige card from Woolworths, you can cash in on all the premium perks, like a concierge service and complimentary insurance covers, without paying the hefty price tag some other premium options pack.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0.5 points per dollar on Visa, uncapped

20.49% p.a.

0% p.a. for 14 months and then 20.49% p.a.

$169 $99 in the first year


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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Woolworths credit cards

How may interest free days do I get on my Woolworths credit card?

When those grocery bills start piling up into a hefty credit card balance, you’ll have 55 days, from the start of each monthly credit card statement cycle, to pay them off interest free. Keep in mind that this only applies if:
You’ve paid off last month’s balance in full

You make all your purchases at the beginning of the month. If you buy later in the statement cycle, you’ll have less than 55 days to pay off your balance before paying interest as well.

What fees might I be charged?

In the first year of having your card, the annual fee will be waived if you opt for the Everyday credit card, or discounted if you go for the platinum option. After that, you’ll pay a full annual fee on each card. You’ll also pay annual fees on any additional cards you choose to have. 

There’s a cash advance fee, either $5 or 3% of the transaction - whichever is higher - plus foreign exchange fees and all the usual late payment or dishonour fees.

What’s the minimum repayment amount I must make?

The minimum amount you need to pay off your credit card balance each month is relatively high on a Woolworths credit card, at the greater amount of either $50 or 2.5% of the total balance.

Having said that, it’s a good idea to always pay off as much of your monthly balance as possible - the whole lot if you can manage it. This will minimise the amount of interest you pay and help keep your credit card balance under control. 

What rewards will I earn with my Woolworths credit card?

When you spend on your Woolworths credit card, you can opt to earn either qantas points or to redeem your points for gift cards.

On a Woolworths Qantas credit card, you’ll earn one Qantas point for every $1 you spend. Points are automatically credited to your Qantas frequent flyer account, never expire and are totally uncapped - so you can earn as many and save them up for as long as you want!

It also comes packed with a bunch of extra features, including:

Concierge

Travel Insurance

Extended Warranty

Purchase Protection

Rental Car Excess Cover

With an Everyday Woolworths credit card in your pocket, you’ll earn:

3 points for every $1 spent on Woolworths products

2 points for every $1 spent in Woolworths supermarkets or outlets under the Woolies umbrella, including: BIG W, Woolworths Liquor, BWS, Dan Murphy's, Thomas Dux, Cellarmasters and Masters.

1 point earned for every $1 spent on other purchases

You can also cash in on a 24/7 concierge service and purchase protection cover. Like the Qantas points, these rewards are uncapped and don’t expire.

Can I use my Woolworths credit card for a balance transfer?

Yep! When you use your Woolworths credit card to manage previous credit card balances with a balance transfer deal, you’ll get a lengthy 0% interest period to catch your breath.

Make sure you use this period to its full potential, because when it ends, any balance you still owe will revert to being charged interest at the much higher cash rate. Ouch!

Will my Woolworths credit card work overseas?

Yes! You can use your Woolworths credit card wherever VISA is accepted, which is good news for all the jetsetters out there. Otherwise, you can check out our travel money hub to see all the other options you have for spending on your holidays.

Can I use payWave with my Woolworths credit card?

You certainly can. Woolworths credit cards are VISA cards, which means you can make contactless payments up to the value of $100 on VISA’s payWave system.

How can I keep my Woolworths credit card secure?

While we don’t want to make you paranoid or nervous about using your credit card, you should give a few moments thought to security when you use your Woolworths credit card to spend. Here are a few top tips to help you keep your card secure:

Don’t write your PIN number down anywhere!

Be aware of your surroundings when you use an ATM

Keep your card in sight during over the counter transactions

Don’t share your card details online

Review your credit card statements regularly, keeping an eye out for unusual transactions

How are Woolworths credit cards rated?

Mozo users have rated Woolworths credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Woolworths credit cards

Overall 6.3

Price

Features

Customer service

Convenience

Trust

188 Reviews

Recent Woolworths credit card reviews Recent Woolworths credit card reviews

Woolworths

Woolworths Credit Card review

Overall rating   0 / 10

Language Barrier.

Sick of telling to overseas phone operators that do not understand my requests. How many times do I have to repeat myself. Bring the call centres back to their country of origin. This is not to be taken as a racist comment. The facts are the...

Full review

Sick of telling to overseas phone operators that do not understand my requests. How many times do I have to repeat myself. Bring the call centres back to their country of origin. This is not to be taken as a racist comment. The facts are the operators don't understand English to an acceptable standard. Closed my account.

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

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Kris, Victoria, reviewed 2 months ago

Woolworths

Woolworths Everyday Platinum Credit Card review

Overall rating   9 / 10

1st choice for all Woolworths employees.

Gift card cash back offer and $0 annual fee make it a no brainer for any Woolworths employee that wants a credit card that is comparable to all the other cards available today.

Full review

Gift card cash back offer and $0 annual fee make it a no brainer for any Woolworths employee that wants a credit card that is comparable to all the other cards available today.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Evan, Queensland, reviewed 3 months ago

Woolworths

Woolworths Everyday Platinum Credit Card review

Overall rating   0 / 10

Useless card.

This is the worst credit card to have, you get approved then anytime you just make frequent purchase they block usage even if you still have more to use than you owe. Ridiculous terms and conditions.

Full review

This is the worst credit card to have, you get approved then anytime you just make frequent purchase they block usage even if you still have more to use than you owe. Ridiculous terms and conditions.

    Price   0 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Kanar, New South Wales, reviewed 3 months ago

Woolworths

Woolworths Everyday Platinum Credit Card review

Overall rating   5 / 10

You get 10% on groceries once a month.

It takes along time to earn reward points and there is a $49 annual fee. When I deposit money on the credit card it takes a few days to shown up on the system.

Full review

It takes along time to earn reward points and there is a $49 annual fee. When I deposit money on the credit card it takes a few days to shown up on the system.

    Price   3 / 10

    Features   6 / 10

    Customer service   4 / 10

    Convenience   4 / 10

    Trust   7 / 10

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John, New South Wales, reviewed 4 months ago

Woolworths

Woolworths Qantas Platinum Credit Card review

Overall rating   5 / 10

Great for frequent Qantas and Woolworths users.

This is the only credit card I've had and originally I signed up for the Qantas points. A positive is that you receive air miles and also Woolworth reward points, but I have had some issues with not being able to access statements and contacting...

Full review

This is the only credit card I've had and originally I signed up for the Qantas points. A positive is that you receive air miles and also Woolworth reward points, but I have had some issues with not being able to access statements and contacting customer service at times. I have been with them for many years, but unless you're a frequent Qantas flyer and spend lots of money at Woolworths I wouldn't recommend.

    Price   6 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   5 / 10

    Trust   5 / 10

Less

Jen, Western Australia, reviewed 6 months ago

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What do you need to apply for a Woolworths credit card? What do you need to apply for a Woolworths credit card?

To be eligible for a Woolworths credit card, you need to be:
  • a permanent Australian resident
  • at least 18 years of age
  • earning a minimum taxable income of $20,000 p.a. ($30,000 p.a. If opting for the Qantas credit card option) and
  • someone with a good credit history

You’ll also need to supply details about your financial situation, including income, assets and debts.

Find out more about how to make a credit card application by reading our handy guide.

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