Woolworths Credit Cards

Woolworths credit cards update in 2023

Credit card issuer Macquarie has announced that it will no longer offer Woolworths credit cards. Between June and August 2023, existing customers will have their Woolworths credit card replaced with a Macquarie Platinum Credit Card that earns points through the Macquarie Rewards program.

A Woolworths spokesperson told Finder: "We'd like to thank our credit card customers for their loyalty over the years and remind them they can continue to get great value offers they had with their credit card, including the bonus 10% off their monthly shop, through being customers of our Everyday Extra program, Everyday Insurance and Woolworths Mobile products."

We've kept other details about Woolworths Credit Cards below for reference. You can also compare a wide range of rewards credit cards available on Finder right now.

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Name	Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
Qantas Premier Platinum Qantas Frequent Flyer	Bonus points 80,000	Points per $ spent 1	Purchase rate p.a. 19.99%	Annual fee $349 first year ($399 after)	Go to siteMore Info Compare	Earn up to 80,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers. Ends on 01 May 2024.
American Express Velocity Platinum Card Velocity Frequent Flyer	Bonus points 100,000	Points per $ spent 1.25	Purchase rate p.a. 23.99%	Annual fee $375	Go to siteMore Info Compare	Get 100,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus a return domestic flight each year.
American Express Qantas Business Rewards Card Qantas Business Rewards	Bonus points 170,000	Points per $ spent 1.25	Purchase rate p.a. 0%	Annual fee $450	Go to siteMore Info Compare	(ABN holders w/ $75k revenue). Earn 170,000 bonus Qantas Points when you spend $6,000 in the first 3 months.
Coles No Annual Fee Mastercard - Bonus Points Offer Flybuys	Bonus points 20,000	Points per $ spent 0.5	Purchase rate p.a. 0% for 6 months, then 19.99%	Annual fee $0	Go to siteMore Info Compare	Get 20,000 bonus Flybuys points (worth $100 Flybuys Dollars) and 0% interest on purchases for the first 6 months.

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Types of credit cards from Woolworths

Note: The details below relate to Woolworths credit cards when they were available in Australia (before April 2023). We have kept the details for reference for existing customers, however these accounts will not be available after October 2023. If you're an existing customer, contact Macquarie Bank on 1300 150 300 for specific details about your account.

Rewards credit cards

The Woolworths Everyday Platinum Credit Card earns credit card reward points per $1 spent on eligible purchases both at Woolworths and everywhere else. The points are automatically converted to Woolworths Shopping Cards every 4 months, with a minimum of 4,000 points equal to a $20 shopping card.

Frequent flyer credit cards

You can use the Woolworths Qantas Platinum Credit Card to earn Qantas Points on eligible spending, with a higher number of points per $1 offered at Woolworths. Other benefits include complimentary travel insurance, a concierge service and exclusive discounts at Woolworths Group retailers.

Benefits of getting a Woolworths credit card

• 10% off at Woolworths once a month on selected dates

Each month, you'll receive an email offer for 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.

• Everyday Rewards

If you link your Everyday Rewards account with a Woolworths credit card, you'll earn Everyday Rewards points when you shop at partner stores and scan the membership barcode on the back of your credit card before paying. 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.

• 50% off selected wine cases at Cellarmasters

If you buy a selected white, red or mixed case online and pay with a Woolworths credit card, you'll get 50% off the regular price. Note that delivery charges still apply.

• Save with up to 10% on 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.

• 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.

• 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 and have all the details you'll need ready. This typically includes:

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.

Credit card brands similar to Woolworths

If you want a credit card that offers rewards and shopping perks, you can also compare these brands:

• Coles Credit Cards
• Kogan Money Credit Cards
• Latitude Credit Cards

Frequently asked questions about Woolworths credit cards

• 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.

• 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.

• Who is the credit issuer for Woolworths credit cards?

  Woolworths credit cards are issued by Macquarie Bank.

Important links and details

• Woolworths contact centre: 1300 10 1234
• Macquarie Bank (issuer) support: 1300 150 300
• Macquarie Bank Credit Cards
• Woolworths Everyday Car Insurance
• Woolworths Everyday Home Insurance
• Woolworths Everyday Pet Insurance