Thumbnail icon for Woolworths

Woolworths Qantas Platinum Credit Card

Purchase rate
20.49% p.a.
Balance transfer rate
0% p.a. for 14 months and then 20.49% p.a.
Annual fees
$169 $99 in the first year
Interest free days on purchases
55

Mozo editorial review Woolworths Qantas Platinum Credit Card

Last updated: 17 October 2018.

binocular icon
What's hot
  • 10% slashed off your weekend grocery bill once a month
  • 0% balance transfer rate for 14 months
  • 1 Qantas Point per $1 spent at Woolworths stores
What's not
  • $35 late payment and overlimit fees
  • 3% foreign exchange margin
Mozo snapshot

Woolworths is a relatively late player to the credit card party but it sure knows how to make an entrance. The Woolworths Qantas Platinum Card comes with a lengthy 0% balance transfer for 14 months and a generous rewards program with Qantas Frequent Flyer. And that's not all, every month you'll receive a 10% discount off your first weekend shop at a Woolworths store, when you pay with the Woolworths Qantas Platinum Card and scan the barcode at the back of the card.

key icon
Key features

The Woolworths Platinum Card comes with a pretty standard purchase rate of 20.49% and $169 annual fee, which is $99 in the first year. There are also up to 55 interest free days on offer to help you stay on top of your balance.

Rewards lovers who shop at Woolies stores will benefit from the $1 spent to 1 Qantas points earning rate, but spenders should be aware that this rate falls to just 0.5 points per $1 spent at other retailers. 

You can also earn bonus points by purchasing selected Qantas products and services on the Woolworths Everyday Rewards. Points aren't capped but keep in mind that points are automatically credited to Qantas Frequent Flyer points so you'll need to be a member of the Qantas Frequent Flyer program.


snapshot
Who is it good for

The Woolworths Qantas Platinum Card is definitely an option for dedicated Woolworths shoppers who want to keep working on their Qantas Frequent Flyer point stack.

snapshot
Any catches

Leave the card at home when you travel or expect to be stung by a 3% foreign exchange margin. Also, this is not a card that forgives occasional lapses in budget diligence. If you go over the credit limit or make late payments, be prepared to be stung by a $35 fee.

Rewards program details

Rates and fees information correct as at 2 October 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

110,400 points

Fly Sydney to Melbourne one-way

8,000 points

$100 Giftcard

18,690 points

$100 Cash

-

Points earning

0.5 points per dollar on Visa, uncapped

Rewards scheme

Points are automatically credited to the Qantas Frequent Flyer program.

All rewards are redeemed via Qantas Frequent Flyer.

Double points at Woolworths and Woolworths Group stores.

10% off your grocery shop once a month, up to $50, on selected dates.

Value of rewards points

Spend $37,380 (Visa)

Spend $16,000 (Visa)

Spend $220,800 (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
  • 20.49% p.a.

  • none

  • 0% p.a. for 14 months and then 20.49% p.a.

  • yes

  • 20.49% p.a.

  • 55

Fees
  • $169.00

  • $99 in the first 1 year

  • none

  • none

  • $35.00

  • 3%, minimum $5

  • 3.00%

  • $7.00

  • $8.00

  • $29.00

Features
  • $50.00

  • 2.5

  • 1

  • Applications currently closed for new accounts.

Payment options

Apple Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Customer Reviews

How are Woolworths credit cards rated by the Mozo community?

Overall
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 Qantas Platinum Credit Card

  • Overall 5/10
    Great for frequent Qantas and Woolworths users.

    This is the only credit card I've had and originally I signed up for the Qantas points. A positive is that you receive air miles and also Woolworth reward points, but I have had some issues with not being able to access statements and contacting customer service at times. I have been with them for many years, but unless you're a frequent Qantas flyer and spend lots of money at Woolworths I wouldn't recommend.

    Read full review

    This is the only credit card I've had and originally I signed up for the Qantas points. A positive is that you receive air miles and also Woolworth reward points, but I have had some issues with not being able to access statements and contacting customer service at times. I have been with them for many years, but unless you're a frequent Qantas flyer and spend lots of money at Woolworths I wouldn't recommend.

    Price
    6/10
    Features
    6/10
    Customer service
    6/10
    Convenience
    5/10
    Trust
    5/10
    Less
    Jen, Western Australia reviewed 10 months ago
  • Overall 10/10
    The best

    The best bank ever

    Read full review

    The best bank ever

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Dawlat, New South Wales reviewed 12 months ago
  • Overall 2/10
    Removal of loyalty program detrimental

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

    Read 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, New South Wales reviewed over 4 years ago
  • Overall 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 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 !

    Read 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, Western Australia reviewed about 5 years ago
  • Overall 8/10
    Convenience for our family needs and rewards too!

    I like the convenience and multiplier effect of accumulating points via Woolworths.

    Read full review

    I like the convenience and multiplier effect of accumulating points via Woolworths.

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Neal, Australian Capital Territory reviewed about 5 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.

See Woolworths credit cards

Promoted

CUA

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

Promoted

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Promoted

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

Promoted

Bankwest

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

Promoted

NAB

NAB

Low Rate Card

12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 22 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first 0 years

Promoted

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Promoted

Westpac

Westpac

Altitude Platinum

Qantas Frequent Flyer

$200 $99 in the first year

60,000

0.5 points uncapped

Promoted

NAB

NAB

Rewards Platinum Card

NAB Rewards

$195

60,000

1 point uncapped

Promoted

American Express

American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

55,000

1.25 points uncapped

Promoted

American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

Promoted

Westpac

Westpac

Altitude Black

Altitude Rewards

$250

150,000

1.25 points uncapped

Promoted

NAB

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

Promoted

Bankwest

Bankwest

More Platinum Mastercard

Bankwest More Rewards

$160

75,000

2 points up to 400,000 points/year

Promoted

CUA

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

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

Promoted

Westpac

Westpac

Low Rate

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

Promoted

CUA

CUA

Platinum Credit Card

0% p.a. for 20 months and then 21.74% p.a.

19.99% p.a.

$149 $0 in the first year

CUA Platinum Rewards

Promoted

Citi

Citi

Clear Credit Card

0.90% p.a. for 15 months and then 22.24% p.a.

0.90% p.a. for 15 months then 14.99% p.a.

$99

Promoted

NAB

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

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 22 months and then 20.99% p.a.

20.74% p.a.

$129 $64 in the first year

Velocity Frequent Flyer

Promoted

Westpac

Westpac

Altitude Platinum

0% p.a. for 18 months and then 21.49% p.a. (1.00% balance transfer fee)

20.49% p.a.

$200 $99 in the first year

Qantas Frequent Flyer

Promoted

CUA

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

Promoted

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Promoted

Citi

Citi

Clear Credit Card

0.90% p.a. for 15 months then 14.99% p.a.

0.90% p.a. for 15 months and then 22.24% p.a.

$99

Promoted

NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

Promoted

Bankwest

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

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 22 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first 0 years

Promoted

NAB

NAB

StraightUp Card

0% p.a.

No current offer

$240 $20/month - waived if no spend & no balance owing

Promoted

CUA

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

Promoted

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Promoted

Bankwest

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

Promoted

NAB

NAB

Low Rate Card

12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 22 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first 0 years

Promoted

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 7 months then 13.99% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

Promoted

CUA

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