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Woolworths Everyday Platinum Credit Card

Purchase rate
19.99% p.a.
Balance transfer rate
0% p.a. for 14 months and then 19.99% p.a.
Annual fees
$49 $0 in the first year
Interest free days on purchases
55

Mozo editorial review Woolworths Everyday Platinum Credit Card

Last updated: 21 October 2019.

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What's hot
  • Multiple 2019 Mozo Experts Choice winner
  • $0 first year annual fee ($49 thereafter)
  • 0% balance transfer offer for 14 months
What's not
  • $35 late payment fee
Mozo snapshot

The Woolworths Everyday Platinum Card is a great Mozo Experts Choice Award winning credit card, perfect for if you're a regular shopper at Woolworths and Woolies owned outlets like Big W, Dan Murphy's, Caltex, and BWS. It won multiple 2019 Mozo Experts Choice Awards in the best Balance Transfer Platinum Credit Card and best Premium Rewards Credit Cards categories. Rewards points are converted into shopping gift cards which help cut down the cost of your groceries and each month. Plus, you'll pay no annual fee in the first year. 

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Key features

The Woolworths Everyday Platinum Card has a small $49 annual fee ($0 in the first year), which is why it was selected by our experts for a Mozo Experts Choice Award 2019. If you're good at paying back your debt on time the Woolworths Everyday Platinum Card has a 55 day interest free period. Like all credit cards you don't want to fall behind on your payments or you'll be hit with a $35 late fee.

Earning rewards with The Woolworths Everyday Platinum Card is simple:
     - You earn 3 points for every dollar spent on Woolworths branded 'Select' products.
     - 2 points for every $1 spent in Woolworths and a number of other Woolworths owned outlets such as Dan Murphy's, Big W, Thomas Dux and Woolworths liquor
     - 1 point for every $1 spent elsewhere

Every 4 months the points are converted into a Woolworths Everyday Money Shopping Card and you'll need around 4000 points to receive $20. Working just like a gift card, the Shopping Card will help knock down your grocery bill but don't hold on to them for too long. The Woolworths Everyday Money Shopping Card will expire 3 months after it's issued.

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Who is it good for

Anyone looking to save on interest of their credit card but ultimately best for loyal 'Fresh Food' people.

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Any catches

The Woolworths Everyday Platinum Card is unashamedly biased. Points can only be redeemed at Woolworths and Woolworths partners. If these rewards don't work for you and you prefer flight rewards from your credit card maybe consider the Woolworths Money Qantas Platinum Credit Card.


Rewards program details

Rates and fees information correct as at 9 July 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

-

Fly Sydney to Melbourne one-way

-

$100 Giftcard

20,000 points

$100 Cash

-

Points earning

1 point per dollar on Visa, uncapped

Rewards scheme

Woolworths Money Shopping Card sent every 4 months if enough points have been accrued.

Double points on purchases at Woolworths Supermarkets, Big W and other partner stores. Triple points on Woolworths Select products.

Value of rewards points

Spend $20,000 (Visa)

Uncapped

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 19.99% p.a.

  • none

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

  • yes

  • 19.99% p.a.

  • 55

Fees
  • $49.00

  • $0 in the first 1 year

  • none

  • none

  • $35.00

  • 3%, minimum $5

  • 3.00%

  • $7.00

  • $8.00

  • $9.00

Features
  • $50.00

  • 2.5

  • 1

  • Applications currently closed for new accounts.

Payment options

Apple Pay

Rewards privileges

Concierge,
Purchase Protection

Customer Reviews

How are Woolworths credit cards rated by the Mozo community?

Overall customer rating
6.3/10
Price
5.9/10
Features
7.0/10
Customer service
6.0/10
Convenience
6.2/10
Trust
6.1/10

Latest reviews of Woolworths Everyday Platinum Credit Card

  • Overall 10/10
    Easy to collect rewards points and claim discounts

    This card has the everyday rewards bar code on the back of the card making it a one card shop for discounts and rewards on fuel, food and other essentials like kids items and homewares from big w. My husband has a linked card aswell so its double the rewards. My husband never claimed any rewards or discounts until we got this card. It all helps, and every couple of months we also get a gift voucher in the mail.

    Read full review

    This card has the everyday rewards bar code on the back of the card making it a one card shop for discounts and rewards on fuel, food and other essentials like kids items and homewares from big w. My husband has a linked card aswell so its double the rewards. My husband never claimed any rewards or discounts until we got this card. It all helps, and every couple of months we also get a gift voucher in the mail.

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Nerine, New South Wales reviewed 15 days ago
  • Overall 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.

    Read 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 4 months ago
  • Overall 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.

    Read 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 5 months ago
  • Overall 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.

    Read 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
    Less
    John, New South Wales reviewed 5 months ago
  • Overall 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.

    Read 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, Victoria reviewed over 4 years ago
Woolworths

About Woolworths

Woolworths is Australia's biggest retail group. In 2008, Woolworths launched the Everyday Money Credit Card to reward customers who shop in Woolworths group stores. Woolworths chief executive Michael Luscombe says the card was designed to meet customer demand for “simple, easily achievable and useful rewards”. The Woolworths Everyday Money MasterCard offers 2 points for every dollar spent on purchases in stores operated by the Woolworths group and 1 point for every dollar spent on other purchases. Cardholders can also earn 3 points for every dollar spent on Woolworths Select brand purchases.

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