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 16 July, 2019. Other information correct at the time of writing.
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 21.99% p.a. | $49 $0 in the first year | 55 |
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 21.99% 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 21.99% p.a. | $169 $99 in the first year |
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 21.99% 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 21.99% p.a. | $169 $99 in the first year |
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 21.99% p.a. | $169 $99 in the first year |
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.
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.
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.
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.
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!
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.
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.
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
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.
Since they removed the Qantas Frequent Flyer program they are of no further use to me.
Since they removed the Qantas Frequent Flyer program they are of no further use to me.
Peta julie, New South Wales, reviewed over 3 years ago
Could offer more points per transaction. If not used for most transactions you may not receive enough points for offset the annual fee.
Could offer more points per transaction. If not used for most transactions you may not receive enough points for offset the annual fee.
Shane, Victoria, reviewed over 3 years ago
Terrible card. Service bad, slow. Waiting for the card 1 and a half months and nothing happens. Staff don't know anything. I have submitted my pay slip twice. They keep calling you for asking same information when applying for this card. Last call...
Terrible card. Service bad, slow. Waiting for the card 1 and a half months and nothing happens. Staff don't know anything. I have submitted my pay slip twice. They keep calling you for asking same information when applying for this card. Last call was asking me to submit my pay slip again. I just said cancel it, and don't phone me again.
Dai, New South Wales, reviewed almost 4 years ago
Works ok until God forbid there is a problem or you have a query to sort out - then the customer service is simply dreadful. We had this card for 5 yrs, then they recently capped the FF points, increased the fees for both primary and 2nd...
Works ok until God forbid there is a problem or you have a query to sort out - then the customer service is simply dreadful. We had this card for 5 yrs, then they recently capped the FF points, increased the fees for both primary and 2nd cardholder and recently managed to charge us $265 in late payment/interest fees - as they somehow cancelled our direct debit by mistake. Not only that but it took x5 long telephone calls, x6 emails and x4 letters over 6 weeks just to get the fees reversed...so we decided enough was enough and cancelled the card...not worth the hassle Woolies so stick to the supermarket business !
Vincent, Western Australia, reviewed almost 4 years ago
Customer service is slow, inept and unable to process simple requests. I have waited a month for a credit limit increase. Worst credit card I have had in 20 years.
Customer service is slow, inept and unable to process simple requests. I have waited a month for a credit limit increase. Worst credit card I have had in 20 years.
Greg, Victoria, reviewed almost 4 years ago
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