Compare credit cards from one of Australia’s largest supermarket chains and save money on your next grocery shop
Woolworths is one of Australia’s largest and most frequented supermarket chains. Along with Coles, Woolworths has the lion’s share of the Australian grocery market. Woolworths has grown to be more than just a place to do your shopping. Whether it’s petrol, food or your credit card repayments — there are more ways you can save at Woolworths.
Woolworths offer credit cards, a number of financial services like insurance and prepaid debit cards, and they even have a loyalty program: Woolworths Everyday Rewards. Woolworths credit cards are rewards-focused and benefit shoppers at Woolworths Group stores the most. Woolworths Everyday Rewards Points translate to money off at the checkout, or there’s the option to get rewarded with Qantas Points when you shop. We compare Woolworths credit cards and have a look at their value on this page. There are answers to frequently asked questions and information on how to apply for a Woolworths credit card as well.
Woolworths Money Everyday Credit Card Offer
A platinum credit card that offers special reward points, hundreds of dollars worth of discounts and platinum cardholder benefits. Also receive a $100 Woolworths Gift Card when you apply by 31 July 2015 and make an eligible purchase by 30 September 2015.
- $0 p.a. annual fee for the first year ($49 p.a. thereafter) annual fee
- 19.99% p.a. on purchases
- 0% p.a. for 14 months on balance transfers
- Cash Advance Rate of 21.99% p.a.
- Up to 55 days interest free
- Minimum Income Requirement of $30,000 p.a.
Comparison of Woolworths Credit CardsRates last updated August 1st, 2015
Types of credit cards from Woolworths
Woolworths Money, the finance division of Woolworths, offer two different credit cards to suit Woolworths shoppers. The Qantas Platinum Credit Card is a direct earn frequent flyer credit card where you earn Qantas Points when you spend, the Money Everyday Credit Card gives you Everyday Rewards, and Woolworths also have a prepaid MasterCard and a loyalty card.
Rewards Platinum credit card
The Woolworths Money Everyday Platinum Credit Card is a platinum rewards card where you earn Everyday Rewards Points when you make an eligible purchase, furthermore it offers the benefits of platinum extras. Rewards credit cards can be compared by their earn rate, the annual fee, the opportunity to earn bonus points and any special offers, like a balance transfer promotion. New cardholders also enjoy a bonus $100 Woolworths Gift Card when a new application is approved by 31 July 2015 and an eligible purchase is made on the Woolworths Money Credit Card by 30 September 2015.
Frequent flyer credit cards
Frequent flyer credit cards give you airline loyalty points when you spend. Promotions like a reduced annual fee or bonus frequent flyer points in the first year can sweeten the deal as well. Compare these cards by their earn rate, annual fee and value adding features, and also opportunities to earn bonus points. Remember, Woolworths let you earn more Qantas Points per dollar spent when you link their loyalty and credit products.
Low rate and low fee credit cards
The Woolworths Staff Credit Union Credit Card isn’t just for Woolworths employees — all Australians can take advantage of a competitive rate when they apply for this credit card. This card has a competitive rate on purchases and cash advances, but it could also be classified as a no annual fee credit card too.
Prepaid credit cards
Prepaid cards give you access to electronic payments while spending your own money. There are no credit checks, so compare these cards by any initial cost to own and charges to reload.
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Woolworths Reloadable MasterCard
|You have the choice of two fee options:Option A – MonthlyOption B – Pay as you LOAD||$9.95||$0 Option A$1 Option B||$1 Option A$0 Option B|
The benefits of banking with Woolworths
Woolworths Everyday Rewards
Woolworths shoppers will love the discount at the checkout and the pump once they’re up and running with the Everyday Rewards Program. Link the Everyday Rewards card with a Woolworths credit card and score more Everyday Rewards Points when you make purchases.
Earn more Qantas Points when you spend
Frequent flyers can also choose to earn Qantas Points instead of Everyday Rewards Points. Link the Woolworths Platinum Qantas Credit Card and you can rack up Qantas Points just by going about your daily shopping.
$100 Woolworths Gift Card
New cardholders receive a $100 Woolworths Gift Card when a new application is approved for the Woolworths Everyday Money Platinum Credit Card by 31 July 2015 and an eligible purchase is made on the Woolworths Money Credit Card by 30 September 2015.
Visa cards — contactless shopping and protection from fraud
Visa cards protect you from fraud when you shop online or over the counter, they let you make contactless transactions for purchases under $100 and they’re accepted in millions of shops and at ATMs all over the world.
Discounts & Extras
Receive discounts when you purchase from brands such as Woolworths Online, Woolworths Money, Dine Play Stay, Cellarmasters, Wine Market, Thomas Dux and Hoyts Kiosk.
Receive the following platinum level benefits with a Woolworths Platinum card: Visa Luxury Hotel Collection Access, Complimentary purchase insurance and Wallet Guard and 24/7 Platinum concierge service.
How to apply for a Woolworths credit card
Follow the links on this page to start a secure online credit card application on the Woolworths website. The application will only take you ten to 15 minutes to complete if you have the following information ready:
- Identification - As well as some basic information about yourself, have your driver’s license handy. If you can’t meet the online verification requirements you may be required to verify your identity by providing 100 points of identification. If this is the case, Woolworths will contact you about their conditions.
- Income - You’ll need to input information about your income and employer. You may also be asked to provide proof of your income to Woolworths. For example, by sending them your most recent payslips.
- Expenses - 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. The application also requires you to list your ongoing expenses like rent or mortgage repayments, child support and your weekly food budget.
Frequently asked questions
Check these frequently asked questions about Woolworths credit cards. If you still can’t find an answer to your question below, get in touch with us by leaving a comment below.
How do I change my PIN?
Simply log in to your credit card account at everydayrewards.com.au and select the Change PIN option from the navigation menu.
Is there instant approval for credit card applications?
Once you have completed your credit card application, Woolworths will provide you with a reference number and process your application within the next 10 business days. Woolworths may contact you if they require any further information regarding your application.
How do I check on my credit card application?
If you applied for a Woolworths credit card but didn’t hear anything about your application, call the Customer Service team 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.
What happens if my application has been declined?
You’ll be informed in writing as well as by email if your credit card application is declined. <a href=”http://www.creditcardfinder.com.au/why-was-my-credit-card-application-declined.html” target=”_blank”>Credit card providers are unable to tell you why an application has been rejected</a>, however, if it’s because of your credit file, you’ll be notified of this and directed to further information.
How do I transfer my card debt to a Woolworths card with a balance transfer?
You can elect to transfer your non-Woolworths credit card or store card debt to a Woolworths credit card when you apply for the account online.
- Balance transfers are accepted from other credit cards or store cards only
- You can transfer from up to two other credit cards or store cards
- The minimum amount you can transfer is $500 and the maximum amount is up to your available credit limit
If you’re approved for the account, once your receive and activate the card the balance transfer will be automatically processed by Woolworths.
For existing customers:
- Existing Woolworths account holders that want to transfer a balance from another credit card or store card will need to complete and send in a balance transfer request form. You can download this from the Woolworths website.
- If your balance transfer to a Woolworths credit card is accepted, it can take up to 14 business days before the funds clear and you can see the balance in your account.
When do I get my first credit card statement?
Your statement is issued within five weeks of the first transaction you make on your Woolworths credit card. If you have requested a balance transfer, it counts as a transaction and is processed as soon as you activate your Woolworths credit card.
How do I get interest-free days on purchases?
If you can’t pay your Woolworths credit card balance in full when your statement is issued, you’re required to pay back a small percentage of your total outstanding balance by the due date shown on your statement. This is called the minimum monthly repayment. You can find information about the minimum repayment for Woolworths credit cards on our review pages.
How do I make a repayment to my Woolworths credit card?
You can make a repayment to your Woolworths credit card in the following ways.
- BPAY: If you’re paying your Woolworths credit card from another institution’s online banking facility, log on to your internet banking and select BPAY from the payments and transfers menu. BPAY payments can take up to two business days to process.
- BPAY Biller Code: 017574.
- Your customer reference number is your account number.
- Direct debit.You can set up a direct debit payment from your everyday transaction or savings account with another bank. You can set up a direct debit to pay just the minimum repayment due on your account, a fixed amount or the entire balance of your credit card. It can take up to five business days for a direct debit payment to be processed.
- In person: You can also pay your credit card at a Woolworths supermarket or BIG W store with cash or a debit card. All you need to do is show your Woolworths credit card to a representative.
- By mail: Send a cheque to Money Everyday Credit Cards PO Box 347 Artarmon, NSW 1570 and allow up to five business days for the cheque to be processed. You may also have to account for the time it takes for the cheque to be delivered in the post.
Can I use my Money Everyday Credit Card at an ATM and what fees are associated?
Yes. You can use your card to withdraw cash at any ATM worldwide that carries the MasterCard or PLUS logos. Cash withdrawals from ATMs are charged at the Cash Advance interest rate and will be charged from the withdrawal date. International ATM withdrawals incur a fee of A$2.50. Withdrawals at ANZ ATMs are free in Australia.
What happens if my credit card is about to expire?
Two weeks before your old card is about to expire a new card will be sent out to you in the mail. If, for whatever reason, you don’t get your card, you need to call Woolworths Money Customer Service on 1300 10 1234.
How do I find out my credit limit on my Woolworths credit card?
Your credit limit is how much money Woolworths will allow you to spend on your card. They use a calculation of your income, assets, debts and liabilities to find out how much you could afford to repay.
You can request a specific credit limit or you can request the maximum amount of credit you can get. If you want more credit, request a credit limit increase. Each request for more credit is judged by the same criteria, so don’t expect to be granted more credit if you’ve taken the maximum amount and your circumstances have not changed.
You can request a credit limit increase by downloading the credit limit increase form available on the Woolworths website.
How do I get an additional card for a family member?
There’s the option of applying for an additional cardholder during the online application for a Woolworths credit card. This can also be done after the application by downloading an additional cardholder application from the Woolworths Money website.
Each Woolworths credit card may allow you to get a different number of additional cardholders. You can find out more on our review pages.
Each supplementary cardholder 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 apply for a Woolworths credit card in their own name.
If you want to cancel a supplementary card, you need to notify Woolworths Money in writing, and then cut the card up and send it back to them in pieces.
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. Do this right away otherwise you may be liable for charges on the card if someone else tries to use it.
If you’re overseas call +612 8276 0144. A fee may be charged to get your credit card sent out to you.
Who is the credit provider for Woolworths credit cards?
Both credit card products offered by Woolworths are underwritten by HSBC — they’re the credit provider for Woolworths. All cards issued after the 26th of October are underwritten by Macquarie Bank.
This shouldn’t be something you need to consider when applying for a Woolworths credit card. However, this will be factor if you’re looking to transfer a balance to a Woolworths credit card from an existing HSBC credit card.
What’s the difference between Money Everyday and Everyday Rewards?
The Woolworths Money Everyday MasterCard and Qantas Platinum Credit Card are products that operate as credit facilities. You can use them to finance your day-to-day purchases or as an emergency source of cash.
The Everyday Rewards Card is a Woolworths product that you use to hold your fuel saving discounts, and earn Everyday Rewards Points when you spend at Woolworths Group stores.
Cardholders will see real benefits when the Money Everyday Cards and the Everyday Rewards cards are linked. Existing Everyday Rewards members can do this when they apply for the Woolworths credit card. You get money off at the fuel pump when you swipe your credit card, you earn Everyday Rewards on all your credit card purchases and you get bonus points when you spend at Woolworths stores.
What is the Reloadable Prepaid MasterCard?
A prepaid MasterCard lets you spend your own money to shop online or in-store. They can be used everywhere MasterCard is accepted.
They’re a budgeting tool that can also be used by people who have bad credit and want a hassle-free way to make electronic payments.
Can I get a Woolworths Prepaid Credit Card?
These cards are prepaid, there’s no credit facility, and there’s no credit checks. They are widely available to purchase in-store at Woolworths, Big W or Safeway.