Everyday Platinum Credit Card (applications closed for new accounts) card image

Woolworths Everyday Platinum Credit Card

Advertiser disclosure
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

Mozo editorial review Woolworths Everyday Platinum Credit Card - last updated: 18 February 2021

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What's hot
  • $0 first year annual fee ($49 thereafter)
  • 0% balance transfer offer for 14 months
What's not
  • $20 late payment fee
Mozo snapshot

(Applications currently closed for new accounts) 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 ($49 thereafter).

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Key features

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.

Who is it good for

This card could be a good option for those looking to save on interest, especially those who are loyal 'Fresh Food' people.

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Any catches

With the Woolworths Everyday Platinum Card, Points can only be redeemed at Woolworths or Woolworths partners. If these rewards don't work for you and you prefer flight rewards from your credit card then you might want to consider the Woolworths Money Qantas Platinum Credit Card instead.

Rewards program details

Rates and fees information correct as at 29 June 2022. 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)



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


19.99% p.a.


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


19.99% p.a.




$0 in the first year




3%, minimum $5









Applications currently closed for new accounts.

Payment options

Apple Pay

Rewards privileges

Purchase Protection

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