Woolworths credit cards

Woolworths
Woolworths's overall rating for credit cards

(as rated by the Mozo community)

5.8 / 10

based on 82 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 04 December, 2016. 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

19.99% p.a.

0% p.a. for 14 months and then 21.99% p.a.

$49 $0 in the first 1 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 21.99% p.a.

$49 $0 in the first 1 year

1 point per dollar on Visa, up to $2,500 per month, then
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 1 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 21.99% p.a.

$49 $0 in the first 1 year

1 point per dollar on Visa, up to $2,500 per month, then
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 1 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

1 point per dollar on Visa, up to $2,500 per month, then
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 1 year


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Frequently Asked Questions about Woolworths credit cards

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

    What fees might I be charged?

    What’s the minimum repayment amount I must make?

    What rewards will I earn with my Woolworths credit card?

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

    Will my Woolworths credit card work overseas?

    Can I use payWave with my Woolworths credit card?

    How can I keep my Woolworths credit card secure?

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 5.8*

Price

Features

Customer service

Convenience

Trust

82 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Woolworths credit card reviews Recent Woolworths credit card reviews

Woolworths

Woolworths Qantas Platinum Credit Card credit card review

Overall rating   2 / 10

Removal of loyalty program detrimental

Since they removed the Qantas Frequent Flyer program they are of no further use to me.

Full review

Since they removed the Qantas Frequent Flyer program they are of no further use to me.

    Price   5 / 10

    Features   0 / 10

    Customer service   2 / 10

    Convenience   2 / 10

    Trust   1 / 10

Less

Peta julie (NSW), reviewed 8 months ago

Woolworths

Woolworths Everyday Platinum Credit Card credit card review

Overall rating   7 / 10

Ok card if most purchases are from Woolworths

Could offer more points per transaction. If not used for most transactions you may not receive enough points for offset the annual fee.

Full review

Could offer more points per transaction. If not used for most transactions you may not receive enough points for offset the annual fee.

    Price   6 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   7 / 10

Less

Shane (VIC), reviewed 9 months ago

Woolworths

Woolworths credit card review

Overall rating   0 / 10

Terrible card

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...

Full review

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.

    Price   3 / 10

    Features   2 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Dai (NSW), reviewed about 1 year ago

Woolworths

Woolworths Qantas Platinum Credit Card credit card review

Overall rating   0 / 10

There is nothing platinum here....

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...

Full review

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 !

    Price   5 / 10

    Features   4 / 10

    Customer service   0 / 10

    Convenience   1 / 10

    Trust   0 / 10

Less

Vincent (WA), reviewed about 1 year ago

Woolworths

Woolworths credit card review

Overall rating   1 / 10

Horrible customer service.

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.

Full review

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.

    Price   3 / 10

    Features   3 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   1 / 10

Less

Greg (VIC), reviewed over 1 year ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

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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