Are you a Woolworths frequent shopper? Earn rewards for everyday purchases with a Woolworths Credit Card!
Woolworths Money provides a range of financial services in the form of credit cards, single load prepaid cards, shopping cards, and gift cards, along with an array of insurance solutions. The credit cards that Woolworths Money come with a number of features, giving you the ability to choose one as per your requirements. Plus Woolworths Money Everyday credit card holders have the opportunity to earn up to 3 points for every $1 you spend on selected items at Woolworths and BWS. You can apply for one of these cards online within a few minutes.
What is a Woolworths credit card?
When you get a Woolworths credit card you can look forward to earning cashback through Woolworths Money Shopping Cards, and you can save 20% off your total bill when you use it at select hospitality partners. Both cards that Woolworths provides come with introductory balance rate offers. The Qantas Platinum Card gives cardholders the ability to earn Qantas points, and it also comes with complimentary insurance covers.
Cardholders can also earn rewards for everyday purchases and while shopping at Woolies. For every $1 spent on the card, you’ll earn 1 point. Plus, you can earn VISA/MC: 1 AMEX: 0 points for every dollar spent at Woolworths. 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.
The Everyday Platinum Card does not charge any annual fee for the first year, after which it starts attracting $49 p.a. The Qantas Platinum Card charges a discounted annual fee of $99 for the first year, which changes to $169 thereon.
How can I apply for a Woolworths credit card?
Applying for a Woolworths credit card requires that you visit the Woolworths Money website. Once there, going through the features and benefits of each card on offer is a good place to start, and after you review and compare your options you can choose between the following:
- Submit an online enquiry to get more details or seek clarification
- Submit an online application
While you can apply for a Woolworths credit card quite easily, it is important that you meet the following eligibility criteria:
- You should be over 18 years of age
- You should be a permanent Australian resident
- You should not have poor creditworthiness
- You should earn $20,000 p.a. or more as taxable income to apply for the Everyday Platinum Card, and you should earn at least $30,000 p.a. as taxable income to apply for the Qantas Platinum Card
To successfully complete the application, prepare to part with the following information:
- Documents to prove your identity
- Your employer’s name and contact details
- If you’re self-employed, your accountant’s contact details
- Details of your income and assets
- Details of your expenses and liabilities
Existing Everyday Rewards card users can provide their unique card numbers on their Woolworths credit card applications as this helps link the two cards.
What happens after I have applied?
Once you submit your Woolworths credit card application you can expect a Woolworths Money representative to get in touch with you and inform you of your application’s status. If Woolworths approves your application you have to complete a legally mandated identity verification process, and you can do this by taking supporting documents to any Woolworths or Safeway store.
You can expect Woolworths to carry out a credit check at some stage, and you would, after a successful identity verification process, have to formally accept the card’s terms and conditions. After this, allow five to 10 business days to receive your new card.
What happens after I receive my card?
Once you’ve received your new credit card and PIN, you can activate it. After activation, you can start using your card like any conventional credit card, and you can make use of your card’s special offers straightaway. If you sign up for internet banking, which is free, you can use it for the following:
- Changing the PIN
- Viewing your credit card statement
- Setting up direct debits
- Paying bills using BPAY
- Reviewing transaction history and status of credit card rewards
If you frequently shop at Woolworths, getting a Woolworths credit card could be a good option for you. As there is more than one type of Woolworths card and this isn’t the only supermarket credit card on the market, make sure to compare your options to find the right card for you.
Frequently asked questions
How quickly can I complete the application?
With all the required information close at hand, you should be able to complete the application in around 10 minutes.
Do Woolworths credit cards offer interest-free days?
Yes. Both, the Everyday Platinum Card and the Qantas Platinum Card give cardholders the ability to make use of up to 55 interest-free days on purchases, provided they pay their accounts’ closing balances in full each month.
What is the minimum credit limit of a Woolworths credit card?
The minimum credit limit of both, the Everyday Platinum Card and the Qantas Platinum Card, is $6,000.
Can I use these cards for contactless payments?
Yes. Both these cards are Visa PayWave enabled, so you can use your card to make contactless payments of less than $100 anywhere you see the PayWave symbol.