Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months and then 21.99% p.a.
$49 $0 in the first year
Woolworths Shopping Cards
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months and then 21.99% p.a.
$49 $0 in the first year
Woolworths Shopping Cards
19.99% p.a.
0% p.a. for 14 months and then 21.99% p.a.
$49 $0 in the first year
Woolworths Shopping Cards
Mozo Review Woolworths Everyday Platinum Credit Card Review
Last updated: 18 October 2018.
What's hot:
Multiple 2018 Mozo Experts Choice winner
$0 first year annual fee ($49 thereafter)
$50 Woolies eGift Card when you spend $150 a month for 3 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 awards in the Best Balance Transfer Platinum Credit Card and Best Premium Rewards Card 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, and have the chance to snag a $50 eGift Card if you spend $150 on your new card at Woolies each month for the first 3 months.
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 2018. 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.
Plus, at the moment, you can snag a $50 Woolworths eGift Card just by spending $150 a month on your new card for the first 3 months. Just remember, the only spending that counts towards that goal is in Woolworths stores or at Woolies online.
Who it's good for:
Anyone looking to save on interest of their credit card but ultimately best for loyal 'Fresh Food' people.
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 22 January 2019. 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 these points?
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.
Rate and fee details
Rates
-
19.99% p.a.
-
none
-
0% p.a. for 14 months and then 21.99% p.a.
-
yes
-
21.99% 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
-
none
Rewards privileges
Concierge,
Purchase Protection
Other benefits
$50 Bonus Woolworths eGift Card when you spend over $150 every month for 3 months in store. 10% off your first shop at Woolworths on a selected weekend each month.
Customer Reviews
How are Woolworths credit cards rated by the Mozo community?
Latest reviews of Woolworths Everyday Platinum Credit Card
- Overall7/10
Ok card if most purchases are from Woolworths
Could offer more points per transaction. If not used for most transactions you may not receive...
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.
Price6/10Features7/10Customer service7/10Convenience8/10Trust7/10Less
Shane | Victoria
reviewed almost 3 years ago
- Overall8/10
Easy to use and good rewards program.
Easy to use credit card and good rewards program that I can use.
Read full review
Easy to use credit card and good rewards program that I can use.
Price8/10Features9/10Customer service7/10Convenience6/10Trust9/10Less
Errol | Queensland
reviewed over 3 years ago
- Overall8/10
The reward system is very good bonus for the card
A good credit card with a good reward system, especially if you regularly shop with the...
Read full review
A good credit card with a good reward system, especially if you regularly shop with the Woolworths group. If you do not pay off the card in the interest free period the interest charged on the account is quite high. And there is a 10 cent charge if you want to receive your bills in the mail. But on the whole I find the card to be very good one .
Price5/10Features9/10Customer service9/10Convenience9/10Trust9/10Less
Wayne | New South Wales
reviewed over 3 years ago
- Overall8/10
Very convenient and easy to use.
Very convenient to use, apply points and redeem points, as well as discount fuel.
Read full review
Very convenient to use, apply points and redeem points, as well as discount fuel.
Price7/10Features8/10Customer service8/10Convenience8/10Trust8/10Less
David | South Australia
reviewed over 3 years ago
- Overall3/10
in the middle
I don't like their service.
Read full review
I don't like their service.
Price7/10Features5/10Customer service0/10Convenience0/10Trust2/10Less
Malgorzata | Australian Capital Territory
reviewed over 3 years ago
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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0% p.a. for 14 months and then 21.99% p.a.
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0% p.a. for 18 months and then 21.99% p.a.
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0% p.a. for 12 months and then 11.99% p.a.
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0% p.a. for 13 months and then 21.74% p.a.
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0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
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0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
20.74% p.a.
$0
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Woolworths
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1 point per dollar on Visa, uncapped
19.99% p.a.
$49 $0 in the first year
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Qantas Money
Qantas Premier Platinum Credit Card
1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped
19.99% p.a.
$299 $149 in the first year
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CUA
Platinum Credit Card
1 point per dollar on Mastercard, up to 100000 points per year
19.99% p.a.
$149 $0 in the first year
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ANZ
Frequent Flyer Black
1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped
19.99% p.a.
$425
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American Express
Explorer Credit Card
2 points per dollar on Amex, uncapped
20.74% p.a.
$395
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Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped
20.74% p.a.
$129 $64 in the first year
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American Express
Velocity Escape Card
0.75 points per dollar on Amex, uncapped
20.74% p.a.
$0
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Coles
Rewards Mastercard
2 points per dollar on Mastercard, uncapped
19.99% p.a.
$99
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Woolworths
Everyday Platinum Credit Card
0% p.a. for 14 months and then 21.99% p.a.
$49 $0 in the first year
19.99% p.a.
Promoted
Qantas Money
Qantas Premier Platinum Credit Card
0% p.a. for 18 months and then 21.99% p.a.
$299 $149 in the first year
19.99% p.a.
Promoted
American Express
Explorer Credit Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
$395
20.74% p.a.
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CUA
Low Rate Credit Card
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
11.99% p.a.
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CUA
Platinum Credit Card
0% p.a. for 13 months and then 21.74% p.a.
$149 $0 in the first year
19.99% p.a.
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American Express
Essential Credit Card
0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)
$0
14.99% p.a.
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Citi
Platinum
0% p.a. for 24 months and then 21.74% p.a. (1.50% balance transfer fee)
$149 $49 in the first year
20.99% p.a.
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Bankwest
Breeze Platinum Mastercard
0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)
$99 $0 in the first year
0% p.a. for 6 months then 12.99% p.a.
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CUA
Low Rate Credit Card
11.99% p.a.
$49 $0 in the first year
0% p.a. for 13 months and then 21.74% p.a.
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Bankwest
Breeze Platinum Mastercard
0% p.a. for 6 months then 12.99% p.a.
$99 $0 in the first year
0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)
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American Express
Essential Credit Card
14.99% p.a.
$0
0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)
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Bendigo Bank
Low Rate Mastercard
11.99% p.a.
$45 $0 in the first year
No current offer
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Citi
Clear Platinum
12.99% p.a.
$99 $0 in the first year
0% p.a. for 14 months and then 21.74% p.a.
Promoted
Australian Military Bank
Low Rate Visa Credit Card
11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a.
$49
Promoted
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
Promoted
Bankwest
Breeze Platinum Mastercard
0% p.a. for 6 months then 12.99% p.a.
0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)
$99 $0 in the first year
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Bankwest
Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months and then 17.99% p.a.
$0
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Bendigo Bank
Low Rate First Mastercard
11.99% p.a.
No current offer
$29
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American Express
Essential Credit Card
14.99% p.a.
0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)
$0
