Apply now for a Woolworths Everyday Money™ credit card
The Woolworths Everyday Money™ credit card is a Woolworths credit card that allows you to earn points no matter where you shop.
This card is ideal if you enjoy shopping at Woolworths, because at the end of every four months – provided you have accumulated sufficient points in that time – you will be rewarded with a shopping card to be used in any number of stores under the Woolworths group umbrella. If this sounds interesting, then you can easily make a Woolworths credit card application online.
If you are already an Everyday Rewards card user, you can include your unique card number on your Woolworths credit card application form so that the two will be linked. In this way, once you are approved and your credit card is activated, you will be able to make the most of your fuel saving offers when you use ePump to fill up your car.
Firstly, though, there are certain criteria you need to fulfill:
- You must be a permanent resident of Australia.
- You must be at least 18 years old.
- You must have a good credit history.
- You must have an annual pre-tax income of at least $20,000.
Making a Woolworths credit card application should take no more than fifteen minutes, provided you have the following information standing by:
- Details of all your income, assets and liabilities.
- Your employer’s details.
- Your accountant’s details if you are self-employed.
What happens next?
After you complete your application for a Woolworths credit card, a Woolworths representative will contact you a few days later and inform you of the decision, based on the information you have provided. If the decision is positive you must then go through an identity verification process, which is mandated by the Australian government. To do this, you will need to take the appropriate documents into a Woolworths or Safeway store so that they can be checked.
You will also need to abide by the Privacy Act and certain other agreements, such as the Terms & Conditions attached to the credit card contract. Finally, the obligatory credit check will be carried out to verify your credit history is good.
Once everything has been approved, and your card and PIN have been safely received, you will be able to activate your new card and start using it. If you then register for Woolworths internet banking, this will allow you to do the following:
- View your credit card statements online.
- Set up any automatic direct debits you wish to pay on a regular basis.
- Pay your bills online using BPAY®.
- Change your PIN and access codes to ones more memorable.
- Check your transaction history and the state of your credit card rewards.
The Everyday Money credit card is issued by HSBC Bank Australia Limited ABN 48 006 434 162 ACL No. 232595 (“HSBC”) and HSBC is the credit provider. Lending criteria, Fees, Charges and Interest Rates apply and are current as at 1 October 2011 and are subject to change. Minimum monthly repayments are required and calculated at 2.5% of the outstanding balance or $30, whichever is greater. The minimum credit limit for this product is $1,000. Terms and conditions apply and are available upon request. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
The Everyday Money Prepaid MasterCards are issued by Australia and New Zealand Banking Group Limited ABN 11 005 357 522 AFSL 234527. Please consider the Product Disclosure Statement (by phoning 1300 10 1234 or available here) before making any decision about the product and consider whether this product is right for you.
1. The bonus $50 Shopping Card is only available to new approved primary cardholders who apply between 17 October 2011 and 31 December 2011, who activate and make a purchase on their credit card before 29 February 2012. Purchases exclude Dick Smith interest free promotions. Your account must be current and not in arrears in order to receive the bonus Shopping Card. Allow up to 8 weeks from the date of your purchase for receipt of your Shopping Card.
2. No Money Back rewards points are earned on business expenses, interest free promotions, balance transfers and cash transactions.
* Annual fee of $89 waived in the first year. The first annual fee will be debited on the 12 month anniversary of the account opening date providing a transaction has been made on the account
* 5,000 Qantas Frequent Flyer bonus points offer is available to new primary cardholders who apply between 17 October and 31 December 2011, are approved and make an eligible purchase on their Woolworths Everyday Rewards Qantas credit card by 29 February 2012. Offer is not available to existing Woolworths Everyday Money credit cardholders who request to transfer to this product. Allow up to 8 weeks after the qualifying purchase is made for the points to appear on your credit card statement, at which time your credit card account must be current and not in arrears. Eligible purchases exclude interest free promotions, balance transfers, business purchases and cash advances.
| Minimum Income | Minimum Age | 18 years of age | |
| Residency | Permanent Australian Resident | Credit Rating Requirement | Good |
| Min Credit Limit | $1,000 | Max Credit Limit |
| Annual Fee | $49 | Balance Transfer Fee | |
| Minimum Repayment | 2.5% | Interest Charged From | Purchase Date |
| Late Payment Fee | $35 | Over Limit Fee | $35 |
| Overseas Emergency Replacement | $50 | Overseas ATM Balance check | |
| Overseas ATM Withdrawal | Foreign Currency Conversion Fee |
| Rewards Points per Dollar | MCARD:1 Partners: up to 3 Point(s) | Points needed for Syd/Mel Return Flight | |
| Points needed for $100 Voucher | 20000 |
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