Find out why Woolworths credit cards have been such a hit. Understand how you can earn rewards to use at the wide range of Woolworths Group stores
The Woolworths credit card, called the Woolworths Everyday Money credit card, is the first product offered by Everyday Money and it has proven to be very popular both with customers and industry commentators since it appeared. This is largely down to the rewards scheme that comes with the Woolworths credit card, which industry surveys have found to be one of the best value rewards schemes available. In fact, the Woolworth’s Everyday Money credit card was awarded Money Magazine’s Best Innovative Product 2009, and the Canstar Cannex five-star rating for its rewards program, May 2009.
You earn points according to where you shop. Earn three points for every dollar you spend on Woolworths Select products, excluding purchases made online; two points per dollar for every other product purchased at Woolworths Group Stores; and one point per dollar can be earned on all other purchases made on your Woolworths credit card.
Every four months, if you have enough points, you automatically receive a shopping card to spend at any participating Woolworths group stores These include
- Woolworths and Safeway Supermarkets
- Caltex Woolworths/Safeway co-branded fuel outlets
- Big W
- Dick Smith Electronics
- Dick Smith PowerHouse
- Thomas Dux Grocers
- and Dan Murphy’s.
You also benefit from being able to pay for fuel at the pump with Epump#, exclusive to Everyday Money customers.
If a retail rewards credit card suits the way you shop, then the Woolworths Everyday Money credit card may be the right choice for you.
Supermarket Credit Cards Comparison
Coles No Annual Fee MasterCard
American Express Platinum Edge Credit Card
Coles Rewards Mastercard
American Express David Jones
|Purchase Rate (p.a.)||17.99% p.a.||20.74% p.a.||19.99% p.a.||20.74% p.a.|
|Balance transfer rate (p.a.)||0% p.a. for 6 months||0.99% p.a. for 6 months with 1% balance transfer fee||0% p.a. for 6 months|
|Offer end date||31 December 2013||28 February 2014|
|Cash advance rate (p.a.)||17.99% p.a.||19.99% p.a.|
|Interest Free Days||62 days||55 days||62 days||44 days|
|Fees & Charges|
|Annual Fee||$0 p.a.||$195 p.a.||$49 p.a.||$99 p.a.|
|Balance Transfer Fee||1%|
|Late Payment Fee||$25||$30||$25||$30|
|Over Limit Fee||$15||$15|
|Overseas Emergency Replacement||$0|
|Overseas ATM Withdrawal||$4||$5|
|Foreign Currency Conversion Fee (MC)||2.5% of transaction value||2.5% of transaction value|
|Foreign Currency Conversion Fee (AMEX)||3% of transaction value||3% of transaction value|
|Gambling Transactions Allowed||No||No||No||No|
|Additional Cardholder Fee||$0||$29|
|Number of Additional Cardholders||9||1|
|Minimum Age||18 years of age||18 years of age||18 years of age||18 years of age|
|Available to Temporary Residents||No||No||Yes – Conditions apply||No|
|Credit Rating Requirement||Good||Good||Good||Good|
|Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
|Max Credit Limit||$50,000||$30,000|
# epump is available to Everyday MoneyTM credit cardholders only. epump is only available at participating CALTEX WOOLWORTHS/SAFEWAY co-branded fuel outlets and is not available in Tasmania. Some fuel outlets may not offer epump facilities on all fuel types.