Woolworths credit cards

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