Woolworths Credit Cards

Comparison of Woolworths Credit Cards

Sort by:

Name	Product	Purchase rate	Balance transfer rate	Annual fee
Woolworths Everyday Platinum Credit Card		19.99% p.a.	0% p.a. for 14 months	$0 annual fee for the first year ($49 p.a. thereafter)	Save with a 0% p.a. on balance transfers for 14 months and a $0 first-year annual fee.	More Info	Compare	loading Fetching your data...
Woolworths Qantas Platinum Credit Card		20.49% p.a.	0% p.a. for 14 months	$99 annual fee for the first year ($169 p.a. thereafter)	Enjoy a 0% p.a. balance transfer offer for 14 months and a discounted $99 first year annual fee. Plus, complimentary overseas travel insurance.	More Info	Compare	loading Fetching your data...

loading

Compare up to 4 providers

Clear selection

Compare

Types of credit cards from Woolworths

Rewards credit cards

The Woolworths Everyday Platinum Credit Card earns 3 credit card points per $1 spent on Woolworths Select and Woolworths brand products, 2 points per $1 on purchases at Woolworths Supermarkets, BWS, Dan Murphy’s, Cellarmasters, Big W and participating Caltex Woolworths fuel outlets and 1 point per $1 spent for all other eligible purchases. These credit card points are automatically converted to Woolworths Shopping Cards every 4 months, with a minimum of 4,000 points equal to a $20 shopping card you can use at participating Woolworths group stores.

The Woolworths Everyday Platinum also includes complimentary purchase security insurance and exclusive discounts at Woolworths Group retailers.

Frequent flyer credit cards

You can use the Woolworths Qantas Platinum Credit Card to earn Qantas Points on everyday purchases. This card offers 1 Qantas Point for every $1 spent at Woolworths Group stores and 0.5 points per $1 spent on other eligible purchases.

Other benefits include complimentary travel insurance, a concierge service and exclusive discounts at Woolworths Group retailers. You can also earn additional Qantas Points when you link your Everyday Rewards account to your Qantas Frequent Flyer account and opt-in to earn Qantas Points for your shopping at Woolworths.

Balance transfer credit cards

Save on interest costs and repay an existing debt faster with a Woolworths credit card that offers a low or 0% introductory balance transfer rate. At the end of the introductory period, any remaining debt will attract the card's standard cash advance interest rate.

Low fee credit cards

Woolworths credit cards sometimes offer promotional $0 or reduced annual fees in the first year. You can compare the annual fees in the comparison table above for the latest offers. When looking at the rewards and frequent flyer credit cards, the standard annual fees are often competitive when compared to other cards in this category.

The benefits of Woolworths credit cards

Some of the perks you can enjoy with a credit card from Woolworths include:

• Get 10% off at Woolworths once per month on selected dates

Each month, you'll receive an email regarding the offer period to get 10% off your shop at Woolworths when you scan the barcode on the back of your credit card and pay with it. This offer is available for spending up to $500, which means you can get a maximum of $50 off your shop. Keep in mind that this offer is not available in Tasmania and also excludes spending on certain items. You can also discover more discounts with our Woolworths coupon codes.

• Everyday Rewards

If you link your Everyday Rewards account with a Woolworths credit card, you can also use it to collect Everyday Rewards points when you shop at participating Woolworths, BWS and Big W stores, as well as at participating Caltex Woolworths fuel outlets. All you'll have to do is scan the membership barcode on the back of your credit card before paying for your shopping to earn points for your Everyday Rewards account. This is in addition to the Qantas Points or credit card points you earn when paying with your credit card.

• Earn more Qantas Points when you spend

If you're a member of Everyday Rewards and choose to earn Qantas Points instead of Everyday Rewards points, you'll get 1,000 frequent flyer points for every 2,000 Everyday Rewards points you earn. Apply for the Woolworths Platinum Qantas Credit Card and you can also rack up Qantas Points per $1 spent on all eligible purchases.

• Enjoy 50% off selected wine cases at Cellarmasters

Pick a selected white, red or mixed case and pay for it online using your Woolworths credit card to take advantage of 50% off the regular price. Note that delivery charges will still apply.

• Save with up to 10% off Woolworths Insurance

Use your Woolworths credit card to pay for a new Woolworths Car, Home, Pet or Travel Insurance policy to save up to 10% on the cost. When you're signing up for the policy, you'll also need to enter the first six digits of your credit card number in the promo code field. You can then enjoy the applicable discount for the life of the policy, as long as you pay with your valid Woolworths credit card.

• Visa features and benefits

Woolworths credit cards come with Visa benefits including exclusive entertainment and ticket offers through Visa Entertainment, as well as shopping, dining and travel offers through Visa Offers + Perks. You can also enjoy Visa's worldwide acceptance, contactless payment options and fraud protection services.

• Travel perks

Your Woolworths credit card will give you access to platinum benefits including exclusive hotel offers and perks through Visa's Luxury Hotel Collection, a 24/7 concierge service and complimentary insurance.

https://www.finder.com.au/hotel-credit-cards

• Woolworths credit card online account

Check your balance, make payments and manage your Woolworths credit card account on-the-go through the Woolworths credit card website or via the Woolworths Money app.

• Apple Pay

Add a Woolworths credit card to your Apple Pay account and you can make contactless payments straight from your mobile device.

How to apply for a Woolworths credit card

You can apply for a Woolworths credit card online in around 15 minutes. Before you get started, make sure you meet the application requirements for your chosen card and have all the relevant documents and details handy. This varies between the cards but generally includes the following:

Eligibility criteria

• Age. You must be at least 18 years of age to apply for a credit card.
• Minimum income requirements. You must meet the minimum income listed for your chosen Woolworths credit card.
• Residency status. You must be an Australian citizen, permanent resident of Australia or a temporary resident with a valid, eligible visa to apply for a Woolworths credit card. Note that additional requirements may apply if you are a temporary resident.

Required information

• Personal information. As well as some basic information about yourself, have your driver's licence handy. You may also be required to verify your identity by providing 100 points of identification.
• Income and employment details. You’ll need to input information about your income and employer. You may also be asked to provide proof of your income. For example, by submitting copies of your most recent payslips.
• Balance transfer details. If you want to save money on credit card repayments with a balance transfer, you’ll need the credit card you want to transfer from close by when you apply for the Woolworths credit card.

Frequently asked questions about Woolworths credit cards

If you want to know more about Woolworths credit cards, you can check out answers to these frequently asked questions. If you still can’t find an answer to your question, get in touch with us by leaving a comment below.

• How do I check on my credit card application?

  Once you have completed your credit card application, Woolworths will provide you with a reference number that you can use to check on your application. Just call the Customer Service team on 1300 10 1234 and follow the prompts to speak to a representative. You may also want to check the junk folder in your email as it can sometimes get tagged as spam.

• How can I pay my Woolworths credit card bill?

  Woolworths credit cards give you the following payment methods:

  Payment method	Process
  BPAY	You can use a nominated transaction or savings accounts to make repayments via BPAY. The BPAY biller code for Woolworths credit cards is 17574, and your credit card number serves as the customer reference number.
  Direct debit	You can authorise direct debits to come from an approved Australian transaction or savings account. To do this, you need to fill in a direct debit request form, which you can get by logging in to your Woolworths credit card account online.

  Woolworths and Macquarie Bank may update these payment methods from time to time, so check your credit card statement for current options.

  Key details to keep in mind when you're paying your Woolworths credit card

  • Processing time. The repayments you make toward your credit card account will not show up in your account immediately. It can take several days for the transaction to be processed, so don't wait until your due date to make your repayments.
  • No repayments from overseas accounts. You can only make repayments from Australian accounts.
  • Payments in foreign currency. You have to make payments in Australian dollars, unless Macquarie Bank agrees to vary this condition. If the bank accepts a payment in a foreign currency, it will convert it to Australian dollars based on the standard exchange rate at the time of the transaction.
  • Direct debits. If you're setting up direct debits, it is your responsibility to ensure that the nominated account has sufficient funds on the date of the scheduled transfer. If you have insufficient funds in your account, you could have to pay a direct debit dishonour fee to your financial institution as well as to Macquarie Bank.

• What if I forget my PIN??

  If you can't remember your credit card PIN, call the Woolworths customer contact centre on 1300 10 1234. Note that you may be required to provide identification information to verify your account and card.

• How do I get interest-free days on purchases?

  If you pay your total outstanding balance in full by the due date on each statement, you'll receive up to 55 interest-free days. Interest-free days don't apply if you're paying off a balance transfer debt.

• What happens if my credit card is about to expire?

  A new card will be sent out to you in the mail. If you don’t get your card, call Woolworths Cards on 1300 10 1234.

• What credit limit will I get on a Woolworths credit card?

  Your credit limit is the maximum amount you'll be able to charge to your card. This is determined based on factors including your income, assets, debts and liabilities.

  You can request a specific credit limit or you can request the maximum amount of credit you can get. If you have an existing credit card and want access to more credit, you can also apply for a credit limit increase.

• How do I find out the credit limit on my Woolworths credit card?

  You can check the credit limit for your Woolworths credit card online by logging in to your account at cards.woolworths.com.au. You can also check your limit on the Woolworths Money app or by calling Woolworths Cards on 1300 10 1234.

• How do I get an additional card for a family member?

  You can apply for an additional cardholder during the online application for a Woolworths credit card or by downloading an additional cardholder application from the Woolworths website.

  You can find out more on our review pages. Supplementary cardholders must be over the age of 16 and an Australian resident. If you have a family member who is over the age of 18, they can also apply for a Woolworths credit card in their own name, providing they meet the eligibility requirements.

• What do I do if I lose my card or it's stolen?

  Report a lost or stolen card immediately to Customer Service on 1300 10 1234. It's best to contact the customer service team as soon as possible to avoid being liable for any charges made on the card and to resolve the issue promptly.

  If you're overseas call +612 8276 0144. Note that a fee may be charged to get your credit card sent out to you.

• Who is the credit issuer for Woolworths credit cards?

  Woolworths credit cards are issued by Macquarie Bank.