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. 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.
The Woolworths Everyday Platinum Card has a small $49 annual fee ($0 in the first year). 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 $20 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.
Anyone looking to save on interest of their credit card but ultimately best for loyal 'Fresh Food' people.
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.
Fly Sydney to London return
-
Fly Sydney to Melbourne one-way
-
$100 Giftcard
20,000 points
$100 Cash
-
1 point per dollar on Visa, uncapped
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.
Spend $20,000 (Visa)
Uncapped
Never
How do we calculate these points?
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.
19.99% p.a.
none
0% p.a. for 14 months and then 19.99% p.a.
yes
19.99% p.a.
55
$49.00
$0 in the first 1 year
none
none
$20.00
3%, minimum $5
3.00%
$7.00
$8.00
$9.00
$50.00
2.5
1
Applications currently closed for new accounts.
Apple Pay
Concierge,
Purchase Protection
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 reviewThis 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.
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 reviewGift 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.
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 reviewThis 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.
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 reviewIt 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.
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 reviewCould offer more points per transaction. If not used for most transactions you may not receive enough points for offset the annual fee.
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.
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Bendigo Bank
Low Rate Credit Card
0% p.a. for 15 months then 11.99% p.a.
No current offer
$45
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$49 $0 in the first year
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
CUA
Platinum Credit Card
19.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$149 $0 in the first year
CUA Platinum Rewards
American Express
Qantas Discovery Card
20.74% p.a.
No current offer
$0
Qantas Frequent Flyer
Virgin Money
No Annual Fee Card
0% p.a. for 12 months then 18.99% p.a.
0% p.a. for 12 months and then 20.99% p.a.
$0
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
American Express
Qantas Premium Card
Qantas Frequent Flyer
$249
30,000
1 point uncapped
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
30,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Bankwest
Qantas Platinum Mastercard
Qantas Frequent Flyer
$160
30,000
0.75 points up to $2,500/month, then
0.3 points uncapped
American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
55,000
1.25 points uncapped
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 26 months and then 20.99% p.a.
20.74% p.a.
$129 $64 in the first year
Velocity Frequent Flyer
Westpac
Low Rate
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
CUA
Low Rate Credit Card
0% p.a. for 20 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
ANZ
Low Rate
0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)
12.49% p.a.
$58 $0 in the first year
NAB
Low Rate Card
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59
Bankwest
Breeze Mastercard
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
0% p.a. for 15 months then 10.99% p.a.
$49
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 6 months and then 20.99% p.a.
0% p.a. for 14 months then 20.74% p.a.
$129 $64 in the first year
Velocity Frequent Flyer
Bendigo Bank
Low Rate Credit Card
0% p.a. for 15 months then 11.99% p.a.
No current offer
$45
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
ANZ
Low Rate
12.49% p.a.
0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)
$58 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 10.99% p.a.
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
$49
Westpac
Low Rate
13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Bendigo Bank
Low Rate Credit Card
0% p.a. for 15 months then 11.99% p.a.
No current offer
$45
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$49 $0 in the first year
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
Virgin Money
No Annual Fee Card
0% p.a. for 12 months then 18.99% p.a.
0% p.a. for 12 months and then 20.99% p.a.
$0
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
ANZ
Low Rate
12.49% p.a.
0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)
$58 $0 in the first year
