Woolworths Credit Card Application: Apply for a Woolworths Everyday Money™ credit card Online
The Everyday Money™ credit card from Woolworths allows you to earn up to 3 points for every $1 you spend. This card is ideal if you shop at Woolworths, because you’ll earn 2 points for every dollar you spend there. Then every four months – provided you have accumulated sufficient points – you will be rewarded with a shopping card to use 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. Firstly, though, there are certain criteria you need to fulfil:
- 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.
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 cards will be linked. Once you are approved and your credit card is activated, you will be able to pay for fuel and redeem fuel saving offers at the pump using epump*.
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 Woolworths Everyday Money credit card is issued by HSBC Bank Australia Limited. ABN 48 006 434 162 ACL No. 232595 (“HSBC”). MasterCard and the MasterCard Brand mark are registered trademarks of MasterCard International Incorporated. Lending criteria applies. Fees, Charges and Interest Rates apply and are current as at 1st June 2011 and are subject to change. Terms and conditions apply and are available upon request.
- This offer is only available to new primary cardholders who apply between 1 August 2011 and 30 September 2011 and who are approved by 31 October 2011 and who activate their card and make a qualifying retail purchase on their Everyday Money credit card by 30 November 2011. Spend excludes interest free promotions, business purchases, balance transfers and cash advances. Offer not available to customers who apply through Dick Smith in-store finance. Allow up to 8 weeks after qualifying purchase is made for the bonus reward points to be credited to the account. Your account must be current and not in arrears at the time of posting the bonus points. This offer cannot be used in conjunction with any other offer.
- No reward points are earned on business expenses, Dick Smith interest free promotions, interest free merchant purchases, balance transfers and cash advances. 2 points for every dollar excludes purchases at Woolworths online, BIG W Photos, BIG W Movie Rentals, DVD Vending machines, mobile EFTPOS terminals and Dick Smith franchisees and resellers. For a list of franchisees and resellers please call 1300 10 1234.
- The interest free days apply to purchases appearing on a statement only if the closing balance of the statement and the closing balance of the previous statement are paid by the statement due dates. To gain the benefit of the 55 interest free days you must pay the total outstanding balance in full (including any balance transfer or other promotional amounts). There is no interest free period for cash advances or balance transfers.
- The Everyday Money Shopping Card is redeemable at participating stores only. Participating stores may change from time to time. The Shopping Card is currently not accepted at some designated Dick Smith stores and CALTEXWOOLWORTHS/SAFEWAY co-branded fuel outlets. The Shopping Card cannot be used at DVD vending machines and mobile EFTPOS terminals. The minimum shopping card value is $20 and the shopping card expires 90 days after the date of issue. For a full list of participating stores where you can use your Shopping Card, details of the points you’ll need to obtain one, and to find out its value, visit everydaymoney.com.au or call 1300 10 1234.
- 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.
| 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 |
How do they determine whether someone qualifies for a credit card?
Hi Farzana
The Woolworths Everyday Money credit card has a minimum credit limit of $1,000 and is available to Australian residents:
- Aged 18 years and over
- Who has a satisfactory credit history; and
- With a minimum income of $20,000 before tax
Cheers
Jeremy