Woolworths Credit Card Application: Apply for a Woolworths Everyday Money™ credit card Online
What happens when I click Apply Now?
- Clicking Apply will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
- Your application will typically take you no more than 10-15 minutes to complete
- Once approved, you will receive your credit card in the mail within 1-2 weeks
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.
Read the official terms and conditions
The Woolworths Everyday Money credit card is issued by HSBC Bank Australia Limited. ABN 48 006 434 162 (“HSBC”) Australian Credit Licence 232595. HSBC lending criteria applies. Fees, Charges and Interest Rates apply and are current as at 1 March 2012 and are subject to change. Terms and conditions apply and are available at everydaymoney.com.au. An annual fee which is currently $49 applies for the Woolworths Everyday Money credit card. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass is the trademark of MasterCard International Incorporated.
1. This offer is only available to new cardholders who apply between 6 March and 31 May 2012. After the promotional period, any purchase/promotional balances outstanding will accrue interest at the Purchase Interest Rate current at the time (currently 19.84% p.a.). Offer cannot be used in conjunction with any other offer. Account must be in good order and not in arrears at time of fulfilling offer. Eligible purchases exclude business expenses, interest free promotions, balance transfers and cash transactions. 2. Earning of rewards points from credit card transactions is subject to the Woolworths Everyday Money credit card Conditions of Use. No points are earned on business expenses, interest free promotions, balance transfers and cash advances. Earn 3 points per $1 spent on Woolworths Select products purchased at Woolworths Supermarkets, excluding online purchases. Earn 3 points per $1 spent on Woolworths Mobile products purchased in-store at Woolworths Supermarkets, BIG W, Woolworths Liquor and BWS.
3. Earn 2 points per $1 spent on other products purchased at Woolworths Supermarkets, BIG W, CALTEX WOOLWORTHS co-branded fuel outlets, epump, Woolworths, Dan Murphy’s, BWS, Thomas Dux, Cellarmasters, Masters and participating Dick Smith stores. Some exclusions apply.
4. Earn 1 point per $1 spent on all other purchases (excludes interest free promotions, balance transfers and cash advances).
5. Every 4 months (or annually if nominated), points are automatically converted to an Everyday Money Shopping Card redeemable at participating Woolworths group stores. Participating stores may change from time to time. The Shopping Card expires 90 days after date of issue and is currently not accepted at DVD vending machines, mobile EFTPOS terminals and some designated Dick Smith stores and CALTEX WOOLWORTHS co-branded fuel outlets. 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. Minimum of 4,000 points is required to receive a $20 Shopping Card.
6. 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. The closing balance includes any cash advance or balance transfer amounts. To gain the benefit of the 55 days you must pay the total outstanding balance in full (including any balance transfer or other promotion amounts). There is no interest free period for cash advances or balance transfers.
Featured Woolworths Credit Cards Comparison
Read the Woolworths Everyday Money Card terms and conditions.
| Minimum Income | $30,000 | |
|---|---|---|
| Minimum Age | 18 years of age | |
| Available to Temporary Residents | No | |
| Credit Rating Requirement | Good | |
| Min Credit Limit | $1,000 | |
| Max Credit Limit | $0 |
| Annual Fee | $49 p.a. | |
|---|---|---|
| Minimum Repayment | 2.50% | |
| Interest Charged From | Purchase Date | |
| Late Payment Fee | $35 | |
| Over Limit Fee | $35 | |
| Overseas Emergency Replacement | $50 | |
| Gambling Transactions Allowed | No |
| Rewards Points per Dollar | MCARD:1 Partners: up to 3 Point(s) | |
|---|---|---|
| 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