Woolworths Qantas Credit Card Review & Application
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Introducing the new Woolworths Qantas Credit Card
If you have been shopping around for a credit card which is just right for you, you will have noticed by now that you can often find a low interest, low fee credit card, or a rewarding, feature-packed credit card, but there are very few which will do both. That is where the Woolworths Qantas credit card comes in to fill that niche. The Woolworths Qantas credit card offers you the affordability and great value which mirrors a successful grocery run, while also giving you the great earn rate for Qantas Frequent Flyer points – i.e. 1 Qantas Frequent Flyer Point for every $1 spent everywhere Mastercard is accepted, at a relatively low annual fee of $89 p.a..
Application criteria for a Woolworths Qantas Credit Card:
The following eligibility criteria apply for a Woolworths Qantas Credit Card:
- You must be over 18 years of age
- You must have a good credit rating
- You must be a permanent Australian resident
- You must have a high taxable annual income
Interest Rates and Fees
| Product Name | Woolworths Qantas Credit Card | |
|---|---|---|
| Interest Rate on Purchases | 19.99% p.a. | |
| Offer end date | 31 August 2013 | |
| Annual Fee | $89 p.a. | |
| Interest Free Period | up to 55 days | |
| Interest Rate on Cash Advances | 20.99% p.a. | |
| Minimum 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.
|
$8,000 | |
| Minimum Monthly Repayment | 2.5% | |
| Credit Card Type | MasterCard | |
| Late Payment Fee | $35 | |
| Complimentary Travel Insurance | No | |
| Available to Temporary Residents | No | |
| Joint Application | No |
Features of the Woolworths Qantas Credit Card
Shopping for a credit card can be such hard work because of the delicate balance you are looking for, between affordability and functionality. Usually in the search for a low fee credit card you have to forgo a number of useful features and it can be those features which help you manage your credit card spending and repayments responsibly. While everyone has their own balance point between fees and features, consider whether the Woolworths Qantas credit card strikes the right balance with you:
- Receive 16,000 bonus Frequent Flyer points1.
- Earn Qantas Frequent Flyer points. Earn 1 Qantas Frequent Flyer point for every $1 you spend on most purchases2. Woolworths shoppers now have the opportunity to earn Qantas Frequent Flyer points for their day-to-day purchases at Woolworths chains and partnered stores.
- Earn extra Qantas Frequent Flyer points through Everyday Rewards3. Because this credit card is also an Everyday Rewards card you can earn additional Qantas Frequent Flyer points through Everyday Rewards program partners . You will earn 1 additional Qantas Frequent Flyer point for every $1 you spend over $30 (in one transaction) at Woolworths Supermarkets, BWS stores outside of Tasmania and at BIG W. You’ll also earn 1 point for every $1 you spend over $50 (in one transaction) in participating Dick Smith stores.
- Travel with your points. You can redeem your Frequent Flyer points for travel to over 700 destinations4 in Australia or around the world, flying Qantas, Jetstar or one of 25 other partnered airlines.
- Shop with your points. There are more than 1,800 products in the Qantas online store and you can purchase electronics, home wares, clothing or gift vouchers for yourself, or to help with the Christmas shopping. The Woolworths Everyday Money MasterCard has taken frequent Australian grocery shoppers by storm. A combination of true quality and a broad scale marketing campaign resulted in a mass of satisfied credit card owners.
- Earn fuel rewards. You will also still earn fuel saving vouchers with Everyday Rewards partners.6
- Up to 55 days interest free on purchases7. If you are able to pay your balance down to zero in each statement period then you can enjoy up to 55 days interest free on your new purchases. This gives you over a month to avoid the purchase rate, while cash advances attract the cash advance rate right away. Being able to make purchases interest free gives you the opportunity to manage your credit account without having to worry about interest charges while you also have the space to manage your own cash flow by using the bank’s money throughout the month instead of your own.
- A low annual fee of . When you consider the features and benefits and the great earn rate of 1 Qantas Frequent Flyer point per $1 spent everywhere MasterCard is accepted, included with your Woolworths Qantas credit card – the annual fee is a very affordable one, especially compared to other full featured credit cards available.
Consumers who don’t have a Frequent Flyer membership don’t have to pay the $82.50 membership fee – It’s free when you apply for the Everyday Money card!
Applying for the Woolworths Qantas Credit Card credit card should take no more than 10 to 15 minutes, and the following documents are required for you to make your application:
- Your personal details, including driver’s licence number
- Your contact details, including address, phone numbers and email address
- Employment details, including time in current job
- Details of your income and expenditure
- Details of any other credit cards owned
What’s the difference between the ‘Everyday Money’ and the ‘Everyday Rewards’ card?
The Everyday Money card is Woolworth’s shopping MasterCard. You earn reward points for spending at Woolworths and associated store chains (Big W, Dick Smith and Tandy to name a few).
The Everyday Rewards card is a result of the new alliance between Qantas Frequent Flyer and Woolworths. Consumers can apply for a free Everyday Rewards card online, and earn Frequent Flyer points when they shop at Woolworths. It is not a credit card.
You earn 1 Frequent Flyer point for every $1 spent over $30. For instance, if you made a $300 purchase, you would earn 270 Qantas FF points.
You need to link your Frequent Flyer membership with your Everyday Rewards card before you can start earning points.
What if I’m not interested in earning Frequent Flyer points? I hardly ever fly?
A common misconception is that Frequent Flyer points are solely redeemable for flights and related rewards only.
The FF program has access to a whole range of rewards, including electronics, wine, sports & outdoors and gift vouchers. View the catalogue here.
You don’t have to be a Frequent Flyer member or already have an Everyday Rewards account to apply for the Woolworths Qantas credit card. Simply complete an application form online and you will automatically be made a member on your application and can enjoy the benefits sooner.
What’s an eligible purchase?
Qantas Frequent Flyer points are earned on all eligible purchases. Eligible purchases exclude: business expenses, interest free promotions, balance transfers and cash advances.
Read the Woolworths Qantas Credit Card terms and conditions.
| Minimum Income | $50,000 | |
|---|---|---|
| Minimum Age | 18 years of age | |
| Available to Temporary Residents | No | |
| Credit Rating Requirement | 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. | $8,000 |
| Annual Fee | $89 p.a. | |
|---|---|---|
| Minimum Repayment | 2.5% | |
| Late Payment Fee | $35 | |
| Over Limit Fee | $35 | |
| Overseas Emergency Replacement | $50 | |
| Overseas ATM Withdrawal | $2.50 | |
| Foreign Currency Conversion Fee | 3% | |
| Gambling Transactions Allowed | No | |
| Additional Cardholder Fee | $0 |
Read the Woolworths Qantas Credit Card terms and conditions.
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how much is an additional cardholder?
Hi Yuko
Thanks for your comment
If you would like to add an additional cardholder you can do so at no extra cost. Once your application is approved, simply complete & sign the Additional Cardholder Application Form and return to the address provided on the Form.
Cheers
Jeremy
Hi,
Trying to clarify if you get 1 point per dollar spent outside of a woolworths affiliated store or everyday rewards card accepted stores. I have checked the website for this card and it does not clarify it properly. From how I read it, it appears you only get points at stores affiliated with the everyday rewards program as indicated by point number 2 in the terms and conditions printed here.
Many thanks in advance,
Andrew
1. What is the limit for 1 point for every $1 dollar? i.e. 1 point for every dollar spent up to $….
2. Can the card be used everywhere that Mastercard is accepted?
3. What is the cost for additional cardholders?
Thank you.
Hi Susan
Thanks for your comment
In response to your questions:
1) There is no points capping. That means there is no limit to the amount of points you can earn at the earn rate of 1 point for every $1 you spend.
2) Yes the card can be used anywhere MasterCard is accepted – over 32 million locations worldwide, as well as global ATM access when you select ‘credit’ (however this will be charged at the cash advance rate).
3) $0. If you would like to add an additional cardholder you can do so at no extra cost. Once your application is approved, simply complete & sign the Additional Cardholder Application Form and return to the address provided on the Form.
Please let me know if you have any other questions
Cheers
Jeremy
Yeah, has anyone actually successfully ever been able to obtain this credit card? Because it seems to me like a total and utter scam to get people to sign up for the bullshit Everyday Rewards program.
What are the minimum and maximum credit limits available?
Hi Michael
Thanks for your question
The minimum credit limit is: $8,000.
The maximum credit limit will depend on the amount you are approved for. You can apply for credit limit increases once you have the card.
Cheers
Jeremy
Im looking for 10 credit cards to be used by staff for fuel and other purchases total Limit approx $30000
is this card suitable?
I have one of these cards and am happy with it, except I would like to see my account online and do online banking with it. How can I do this? I am concerned with the apparent lack of a bank for this card, as HSBC refuse to answer any questions about it on the phone. Please advise?
Hi Bob
Thanks for your comment.
Great to hear you like the card. In order to setup online banking, you may need to call the HSBC Customer Service team. They should be able to setup an internet banking login without any trouble for you.
All the best,
Jeremy
Does this mean I no longer need to have a separate Everyday Rewards card?
Hi Gary
Here’s an excerpt from the terms and conditions which answers your question:
“To earn extra points through the Everyday Rewards program at Woolworths/Safeway Supermarkets and BWS (excluding Tasmania), BIG W and Dick Smith (excluding reseller stores), you must present and scan your Everyday Rewards barcode (on the back of the credit card) at the time of purchase and spend at least the qualifying amount in one transaction.”
Cheers
Jeremy
Are FF points kept for indefinite time, or do they only last for so long? I have an Everyday Rewards card, so if I apply for FF Credit card will I have to pay 82.50 to become a member plus the annual fee? Thanks April
Hi April
Thanks for your question
Your points won’t expire as long as you keep your account active by earning or using points at least once every 18 months. You will need to earn or use points through your account (excluding transfers to or from an eligible family member) at least once every 18 months to stop your points from expiring.
When you join the Woolworths Everyday Rewards Program you can join the Qantas Frequent Flyer rewards program without the joining fee through Everyday Rewards. When I applied for my Everyday Rewards card, I created my Qantas Frequent Flyer account during the sign-up process and saved $82.50. Perhaps try logging in to your Woolworths Everyday Rewards program and registering for the Qantas Frequent Flyer program through there.
Cheers
Jeremy
My husband doesnt earn $50,000 per year but we have a ANZ Platinum card which is paid off every month and we would like to transfer to the Woolworths Qantas Credit card. I also work fulltime. Whats with the minimum $50,000 wage requirement
Points earned on ‘most’ transactions’? The website does not clarify the limitations of this. Obviously you can use the card wherever MasterCard is accepted – do you earn points wherever MasterCard is accepted?
Thanks
Hi Kate,
When they say points earned on most transactions they are referring to eligible transactions. The card can be used everywhere MasterCard is accepted and you will earn points except in the following circumstances: balance transfers, cash advances, special promotions, business expenses, any fee or charge, including any government charge, interest charges, Woolworths Card Repayment Insurance premiums, enforcement expenses, a transaction deemed as fraudulent, a disputed transaction.”
Cheers,
Jeremy
I am also wondering if you get 1 point for every dollar spent on the card or 1 point for every dollar spent at woolworths and it’s affiliated stores only?
Hi,
You can earn 1 Qantas Frequent Flyer point per $1 spent over $30 on eligible purchases.
Cheers
Jeremy
Do you receive points on purchase not from Woolworth or participating stores? if yes will it still be 1 point per $1 spent?
HI Shana. You get one point per dollar everywhere you use your card to make a purchase. Things like cash advances, balance transfers and using your card for business purposes will not earn you any points. Woolworths gives extra points if you shop within their group of stores. Cheers.
I have recently left an Abusive Marriage after 40 years..and until I Can start to sell the home etc…which will be all mine..I need to Have a Credit Card,and transfer My Westpac card to this…Have ben paying most of the household bills which will no longer be happening..and am living with family for a few months until I am able to SELL UP…I am on a disability/single pension…and My assets will be approx 400.000..when I sell up ..am wondering you can help me with this..Many Thanks Jan.
Hi Jan. So sorry that it has taken to so long to reply. Please direct your query directly to a lender. Although you can apply for a credit card online, someone in your circumstances should sit down with a card relationship manager and discuss your options for credit. Jacob.
I have this card and am very happy with it but I would like to know if there is there a limit on the number of FF points once can earn in a single transaction. ie we are looking to make one or two large purchases and want to know if it is worthwhile putting them on the card for the points?
Hi Josh. Thanks for your question. Points earning is uncapped and you will be able to spend up to your credit limit in once transaction. Cheers.
Hi
Can you please tell me whether this card offers a free travel insurance like some of the Gold Cards? If not, is there any version of this cards that combines the features of the Woolworth Cards plus Travel Insurance?
Thank you
Oscar
Hi Oscar
Thanks for your comment
The Woolworths Qantas Credit card does not currently offer complimentary travel insurance.
Here is our comparison page which shows cards that do come with complimentary travel insurance: http://www.creditcardfinder.com.au/free-travel-insurance-with-credit-cards.html
Cheers,
Jeremy
I have applied the Qantas credit card more than 3 weeks ago and faxed my document what you need. I just want to know what happened or still proceeding. My reference No.
is 2011278000483
Hi Gyu. Please contact your lender directly. Please refer to our page on the topic for further information. Thanks.
MY FRIENDS AND I ARE HIGH END USERS: 100K PERSONAL AVERAGE PER ANNUM. WE ARE GOING TO CHANGE OUR PRESENT CARD PROVIDER DUE TO CHANGES IN THEIR TERMS AND CONDITIONS;COULD YOU CONFIRM WHAT I BELIEVE TO BE THE CASE;VIZ:ALL PRIVATE PURCHASES FROM ANY SOURCE ENTITLE THE CARD HOLDER TO ONE POINT PER DOLLAR SPENT WHICH CONVERTS IN THEIR F/F ACCOUNT AT PARITY.
Hi Peter. Thanks for your question, yes this is correct. All ‘eligible’ transactions will attract Qantas Frequent Flyer points at the current earn rate listed on the review and application page. See the review page for what’s considered an eligible purchase. Sorry for the delay in getting back to you. Jacob.
I had my woolworths credit card cancel today by HSBC. I have $10,000 credit. I was told Woolworths could hold onto my money fro up to 2 cycles. Also they wouldn’t tell me as per clause 26.1 (I think) they don’t have to give me any reason why they canceled my card and they can hold onto my money? Can you enlighten me.
Hi Andrea. Thanks for your question and sorry about the delay in this response. According to clause 26.1, ‘We may, at any time without prior notice, cancel or suspend a card, ask for the return of a card, retain a card presented to us or another person, close or suspend your account, or otherwise cancel access to your account.’ So, not much help there – please direct your issue to the Financial Services Ombudsman. Apologies that we couldn’t be of more help. Jacob.
how many additional cardholders are you allowed on an everyday money credit card?
Hi,
You are allowed one complimentary additional card holder. Thanks.
Cheers
Jeremy
What happens if I decide I don’t want to keep the card after 6 or 12 months? Is there a cancellation fee or anything else?
Hi Michael. There is no fee for cancelling the credit card. As long as you have paid the balance in full, you can cancel the card whenever you like. Thanks for the question and sorry for the delayed response.
I am just following up on Andrew’s question as I cannot see an answer to this.
I am also trying to clarify if you get 1 point per dollar spent outside of a woolworths affiliated store or everyday rewards card accepted stores? I have checked the website for this card and it does not clarify it properly. From how I read it, it appears you only get points at stores affiliated with the everyday rewards program as indicated by point number 2 in the terms and conditions printed here. Can you please clarify?
Thanks
Hi Sally. You earn one point per dollar spend on all purchases, excluding transactions such as cash advances and charges for business expenses etc. When you shop at Woolworths and affiliated stores, you will earn an extra bonus point on top of the regular 1:1, if you spend over a certain amount in one transaction. Hope this helped.
Hi Sally. You earn one point per dollar spent on all purchases, excluding transactions such as cash advances and charges for business expenses etc. When you shop at Woolworths and affiliated stores, you will earn an bonus point on top of the regular 1:1, if you spend over a certain amount in one transaction. Hope this helped.
Hi,
Wondering the same as Andrew’s question. Trying to clarify if you get 1 point per dollar spent outside of a woolworths affiliated store or everyday rewards card accepted stores. I have checked the website for this card and it does not clarify it properly. From how I read it, it appears you only get points at stores affiliated with the everyday rewards program as indicated by point number 2 in the terms and conditions printed here.
I am very interested in applying for this card but would like to know the expenses of using this card when travelling overseas. How much will we incur after each of transaction?
Looking forward to your reply.
Regards
Jenny
Hi Jenny,
Thanks for your question. Please refer to our guide on foreign transaction fees and charges – http://www.creditcardfinder.com.au/foreign-currency-international-fees-for-credit-cards.html for information about the types of fees you will incur when using your card overseas. The Woolworths Qantas Credit Card charges 2.5% of the Australian dollar transaction value. Cheers.
Jeremy
I want an application form
Hi Ann. Please check the review page for information on how to apply for this credit card. Thanks for your question.
If I apply the new Woolworths Qantas Credit Card now (2-2-2012).So a Qantas Frequent Flyer membership I don’t have to pay the $82.50 membership fee and I will got 5,000 Qantas Frequent Flyer points if application O.K.
Hi,
Unfortunately we do not have the facility for that kind of search. Generally speaking nearly all cards will require that you are a permanent Australian resident to be eligible for a card; however, there are instances in which certain sub-classes of visa are accepted, but be sure to check the terms and conditions before starting the process.
Cheers,
Jeremy
I would like some clarification:
I understand that if i spend $50 at woolworths i will get 50 FF points. BUT if i spend 50 at another store like David Jones will i still get FF points? or do i only get the FF points if i shop at affiliated stores?
Hi Katie. Thanks for your question. You get Qantas Frequent Flyer points when you make an eligible purchase at all retailers, not just Woolworths and affiliated stores. Sorry for the delay. Jacob.
If I sign up for the Woolworths credit card, can you confirm if I can cancel the card before the year is up without having any penalties applied?
Hi Michelle. Thanks for your question. You can cancel a credit card without incurring any penalties provided you’ve paid the card in full. Jacob.
My husband and I are age pensioners who travel fairly frequently. With the age pension as our only income would we be eligible for a Woolworth’s FF credit card.
when you get the credit card, can you take less credit, i don’t want 8000 dollars
Hi,
Yes, please speak to a your financial institutions representative to have your credit limit lowered once approval has been given. Thanks for your question.
Cheers
Jeremy
not a question just a rant – Woolworths dockets used to print the discount – you could tear if off and keep in handy in your wallet. Now with the stupid cards you don’t know – and if you ask at a service station, they don’t know until you pay for petrol, if no discount – too late, ha ha, too bad for you !
Yes afterwards I found I can log onto the website, but even that is tricky – Manage your fuel saving offers – OK – the only option is to click on convert to QFF points – you didn’t read before you clicked? too bad, ha ha, you lose !
This is irritating – in future I’ll plan to switch my main grocery shop to Coles – one ex-happy Woolworths customer, now irritated enough by this BS to go to the other side.
Hi, I currently have a Woolworths Everyday Rewards card which was set up to purchase some goods from Dick Smith Electronics. It hasn’t been activated. Can I upgrade it to the Qantas card? Thanks. Therese
Hi Therese,
Yes, you will have to apply for the Woolworths Everyday Rewards Qantas Credit Card, you must first meet the application criteria: be over the age of 18, have a good credit rating and earn over $50,000 p.a. If this is the case you can either apply for the card online through the Credit Card Finder website or contact a Woolworth Everyday Rewards Qantas Card representative. Thanks.
Cheers
Jeremy
Just wanted to know if this card provided travel insurance as well. If not have you got any card that provides travel insurance
Hi Ranjina,
The Woolworths Qantas Credit Card does not offer complimentary travel insurance. For a list of cards that do, please check our comparison page – http://www.creditcardfinder.com.au/free-travel-insurance-with-credit-cards.html – thanks.
Cheers
Jeremy
Can a married couple with a combined income of $60,000 p/a apply jointly for this credit card. If so, can this still be done on line
Hi,
Thanks for your question. This card doesn’t allow joint account holders. You may have up to one additional card holder free of charge, but the supplementary card holder will not have the same benefits as the primary card holder when it comes to increasing the credit limit or closing the account. Applications can be done online. Cheers.
Jeremy
I see this question has been asked several times but I am still not completely sure of the answer. Can you confirm that it is 1 point per $1 in on any purchase over thirty dollars spent or just in Woolworth affiliated stores.
Hi,
Thanks for the question. This is taken from the Woolworths Qantas Credit Card application page: “Earn 1 point per $ spent over $30* in one transaction at Woolworths Supermarkets and BWS stores (excluding Tasmania) and BIG W stores and 1 point per $1 spent over $50* in one transaction at participating Dick Smith stores through the Everyday Rewards program. Earn 1 point per $1 spent in one transaction at Cellarmasters.” Hope this helps.
Cheers,
Jeremy
Hi Jeremy
My husband has this card and we are considering requesting for an additional cardholder. If we do:
- will the statement separate the expenses of each cardholder?
- will the limit remain the same?
Hi Debborah. Thanks for your question, sorry about the delay – not sure if this response is still relevant, but, you can have one additional cardholder on this account. The additional card will have a separate number to the primary card, and although you will only get one credit card statement each month, you will be able to differentiate spending by looking at the different card numbers. The credit limit is shared between the two cards. Jacob.
Hi
Can the full balance be paid off for this account each month via direct credit or do I have to physically pay it over the phone? Do you have to spend $30 for every transaction to get any points whether it is at woolworths or another shop completely?
Hi,
Thanks for the question. This card can be paid through BPAY or you can set up a direct debit agreement. This is taken from the Everyday Money website: “Earn 1 Qantas Frequent Flyer point per $1 spent over $30* at Woolworths supermarkets and BWS (excluding Tasmania) and BIG W.
Earn 1 Qantas Frequent Flyer point per $1 over $50* at participating Dick Smith stores.
Earn 1 Qantas Frequent Flyer point per dollar spent in one transaction at Cellarmasters.
You can also choose to swap your 4c per litre fuel saving for 2 Qantas Frequent Flyer points per litre^.” Hope this has helped.
Cheers,
Jeremy
Hi Jeremy
Can you elaboration the 16000 points offer please. Do you get this on joining or do you have to earn 16000 through spend on eligible purchases. A real ‘Jack & Jill” simple answer would be appreciated.
Question 2 please. If I spend $1 at a store that is not affiliated to Woolworths group will I be credited with 1 QFFF frequent flyer point ?
Hi David,
The following passage is taken from point 1 of the Woolworths Qantas Credit Card terms and conditions: “The 16,000 Qantas Frequent Flyer points offer is available to new primary cardholders who apply between 6 March and 31 May 2012, are approved and make an eligible purchase on their Woolworths Everyday Rewards Qantas credit card by 31 July 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 eligible 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 expenses and cash advances.” – To answer your second question the following information is taken from point two of the terms and conditions: ” Qantas Frequent Flyer points are earned through the use of the credit card on eligible purchases in accordance with the Woolworths Everyday Rewards Qantas credit card Conditions of Use available at everydayrewards.com.au No points are earned on business expenses, interest free promotions, balance transfers and cash advances.
3. Offer applies to Woolworths Supermarkets and BWS stores (excluding Tasmania), BIG W stores, Dick Smith stores (excluding reseller stores) and Cellarmasters. Earn 1 point per $1 spent in one transaction at Cellarmasters. Earn 1 point per $1 spent over $30* in one transaction at Woolworths Supermarkets and BWS stores (excluding Tasmania) and BIG W stores. Earn 1 point per $1 spent over $50* in one transaction at Dick Smith stores (excluding reseller stores). You must be an Everyday Rewards member and Qantas Frequent Flyer member and link your memberships to earn points.” Thanks for your question. ‘
Cheers,
Jeremy
With this card are you covered if it is stolen- fraudulent use
Hi,
If there is a transaction on your account that was not authorised by yourself in any way, you will be covered by the electronic funds transfer (EFT) code of conduct, if there’s a transaction before you receive the card, there’s a transaction after you notify the issuer about a unauthorised transaction or misplaced card, resulting from the fraudulent transaction of Woolworth’s employees and generally when it is clear that the user has not contributed to the loss of the card. Cheers.
Jeremy
Hi, can you elaborate on what is classified as a business expense?
Hi Martin. Thanks for your question. As a rule of thumb: anything you plan to claim on your tax return is considered a business expense. Sorry for the delay. Jacob.
when signing up for this credit card do you have also sign up for frequent flyer or does this link it up and sign you up with qantas. and how much do you have to spend to get the signing up 16,000 point when signing up..
Thank you
Hi,
When you join the Woolworths Everyday Rewards Program you can join the Qantas Frequent Flyer rewards program without the joining fee through Everyday Rewards. When I applied for my Everyday Rewards card, I created my Qantas Frequent Flyer account during the sign-up process and saved $82.50. Perhaps try logging in to your Woolworths Everyday Rewards program and registering for the Qantas Frequent Flyer program through there. The following is an excerpt from the terms and conditions that answers the second part of your question: “16,000 Qantas Frequent Flyer points offer is available to new primary cardholders who apply between 6 March and 31 May 2012, are approved and make an eligible purchase on their Woolworths Everyday Rewards Qantas credit card by 31 July 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 eligible 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 expenses and cash advances.”
Cheers
Jeremy
Hi i have tried a number of time to apply for this card over a number of days but have no been successful. I have called once before and got told to close down the browser but this has made no difference. Can you please email me as what i need to do.
Hi Gianna. Thanks for your question. Can you please email or call us if you need assistance with an application. Jacob.
Can we transfer from the credit card we have to this one? How do we do this
Hi Cara,
You will need to apply for the card and state that you would like to perform a balance transfer from your old card to the Woolworths Qantas Credit Card. In order for your request to be successful you will need to comply with the terms and conditions and be bringing the balance from a non-HSBC credit card. Cheers.
Jeremy
Is there any fee on international transactions with the woolworths qantas credit card?
Hi,
The Woolworths Qantas Credit Card charges 2.5% of the Australian dollar transaction value. For further information on the best options for accessing your money while overseas please check the travel money and guide to international fees and charges pages – http://www.creditcardfinder.com.au/foreign-currency-international-fees-for-credit-cards.html – http://www.creditcardfinder.com.au/travel-money – Cheers.
Jeremy
I have always had a VISA card. What difference can I expect with a Mastercard?
Is Mastercard accepted in all places as is VISA. as American Express is not accepted in many venues?
Where can I find the products that earn me x2QFFP for every $1 spent?
Do I earn x1 QFFP for every $1 spent over $30 but only up to $1,000?
Can we have both have our Everyday Money Cards linked to our Everyday Rewards card?
How much is an additional card cost? Is this a one off fee only?
Hi Cley. Thanks for your question.
See this page for the difference between Visa and MasterCard – American Express is not accepted in as many locations.
Products that earn 2 QFF points per dollar spent – see our frequent flyer comparison table – currently it’s not possible to earn this number of points making regular purchases; however, you can earn double the number of points when you make a bonus purchase – see the comparison table for more information.
There is no points capping with the Woolworths Qantas Credit Card.
You can only link your Everyday Rewards Card to your Woolworths Qantas Credit Card – this allows you to earn one bonus point for every dollar spent on a purchase over $30 at Woolworths stores.
Additional cardholders: $0. If you would like to add an additional cardholder you can do so at no extra cost. Once your application is approved, simply complete & sign the Additional Cardholder Application Form and return to the address provided on the Form.
Jacob.
Hi Jeremy,
So if I pay my bill about $60, I will get 60 points or 30 points?
Cheers,
Hi CNC. Thanks for your question. You will earn 1:1 points to dollars as normal in addition to an extra point per dollar spent for spending over $30 at Woolworths, plus additional points for spending at partnered outlets. in terms of earning points on paying a bill, it depends on the type of bill you want to pay. In order to earn points on BPAY transactions, you will need to make sure the organisation you are trying to pay is registered as a BPAY biller. If they are, then your transaction will be treated like a purchase, you’ll be charged the purchase rate of interest and you will earn points. If they aren’t registered as a BPAY biller, the transaction will be treated as a cash advance and you will not earn points. To find out which business as registered as BPAY billers, check the BPAY website.
Hi we have a WW rewards card that we use. If we also get a WW credit card can we get points that can be converted to FF points on all purchases on the CC (regardless of where these purchased occur). Also if we put through the rewards card at WW at time of purchase (to get our FF points for purchases over $30), do we also get the points for total purchase amount that go with the credit card?? Cheers, Lynn
Hi Lynn. Thanks for the question and apologies for not getting back to you sooner. This is how the rewards system works: When you get a Woolworths Qantas Credit Card, you will receive one Qantas Frequent Flyer points per dollar spent when you make an eligible purchase (eligible purchases exclude cash transactions like balance transfers and cash advances – and you do get points when you shop at all different types of merchants, not just Woolworths). When you link your Everyday Rewards Card, if you make a purchase over $30 at Woolworths and Woolworths Group stores, you will receive an additional Qantas Frequent Flyer point. Let me know if this is still unclear. Jacob.
Can you please confirm what an “eligible purchase” means in order to receive the 16000 bonus ff points?
What is an eligible purchase?
Hi,
Thanks for the question. Please visit the Woolworths Qantas Credit Card Review page for information about eligible purchases.
Cheers
Jeremy
Do I have to spend over $30 to earn points?
Hi Amanda. Points will be earnt on all everyday purchases at the rate of 1:1. Extra points will be earnt if you spend over a certain amount at certain Woolworths partnered stores. Thanks for your question.
If I spend $50 in Woolworths, show my Everyday Rewards card and pay with an Amex Qantas card, I get 2 Qantas FF points per $ over $30, 1 from the Everyday rewards card and 1 from Amex. If I use the Woolworths Cc, do I still get a total of 2 points?
Hi Col. Thanks for your question and sorry for the delayed response. You get 1:1 when you spend on your Woolworths Qantas Credit Card = 50 points + 20 points when you use your Everyday Rewards (1:1 on purchases over $30). So if you spend $50 at Woolworths with your Qantas Credit Card in conjunction with your Everyday Rewards Card, you will get a total of 70 QFF points. Jacob.
What will be business expenses and how will you judge this?? My alcohol purchases for work will i get one point per dollar or large seafood orders??
Hi David. This is a sticky issue. Rule of thumb: if you use your card to pay for an expenses in the day to day operations of your business, safe to assume this is considered a business expense. How a lender will actually police/check on this, we don’t know. I spoke to a number of people about this and the best answer I can provide is that it works on the honesty system. Sorry I couldn’t be of more help. If you find a better answer can you post it back on the site? Jacob.
How long will my application take to approve
Hi,
Thanks for the question. Approval is usually granted on the spot and your card should be issued within two weeks. For further information check our guide on this topic (http://www.creditcardfinder.com.au/how-long-does-it-take-to-get-a-new-credit-card.html) Cheers.
Jeremy
Hi Jeremy
I have read the terms and conditions and it seems quite evident that this credit card will only earn points for purchases made at everyday rewards member stores or selected Qantas products, not for general purchases an non-affiliated stores.
Could you please confirm or correct my understanding?
Thank you
Hi Jamie,
Thanks for the question. The terms and conditions state that: ‘earn 1 Qantas Frequent Flyer point per $1 spent on eligible purchases.’ Eligible purchases exclude: ‘No points are earned on business expenses, interest free promotions, balance transfers and cash advances.’ You will also: ‘earn 1 point per $1 spent over $30* in one transaction at Woolworths Supermarkets and BWS stores (excluding Tasmania) and BIG W stores, and 1 point per $1 spent over $50* in one transaction at participating Dick Smith stores through the Everyday Rewards program. Earn 1 point per $1 spent in one transaction at Cellarmasters. Simply pay using the credit card and scan the Everyday Rewards barcode on the back of the credit card.’ Cheers.
Jeremy
The question is asked of you over and over and you have not given a clear answer – Will you earn 1 point per dollar everywhere or just at Woolworths and affiliated stores. It reads that you get 1 point every dollar you spend everywhere but you omitting to answer the question asked by many people clearly makes me very suspicious. Please just answer the question Thanks
Hi Jill. Thanks for the question. The answer we have given is quoted from the terms and conditions: ‘Earn 1 point per $1 spent on all other purchases (excludes interest free promotions, balance transfers and cash advances).’ To clear up any confusion, this means you will earn one point per dollar spent on all purchases excluding interest free promotions, balance transfers and cash advances, everywhere – not just at Woolworths stores. Cheers.
Apart from shopping at woolies and dick smith do you earn points when paying your telstra, rates, electricity or any bills etc with this card?
Hi John, Yes. You won’t earn points on government fees and gambling transactions, utilities are fine. Thanks.
Hi Jeremy, could you clarify what a business expense is please? It says that an eligible expense excludes business expenses!
Hi Meredith. A business expenses can be classified as any expense you claim against in the tax return for your business. Thanks for your question.
Hi – I already have a frequent flyer membership – can I keep this membership when I apply for the credit card?
At the time of application, applicants are asked to supply a Qantas Frequent Flyer membership in order to start accruing Qantas Frequent Flyer points. Existing members can supply their old membership number and have it linked to the new credit card. Cheers.
Hi Jeremy
Thank you for your answer, but I’m still not clear on the meaning in the T&C.
If ‘eligible purchases’ excludes only the criteria you mention – business expenses, interest free promotions, balance transfers and cash advances – then it implies that I could spend $100 on groceries at Coles, pay for it with the Woolies credit card and accrue 100 points.
Is this correct?
Cheers, Jamie
Hi Jamie. Yep, that’s correct. Thanks for your question.
Hi, is there an interest free period on this card and i currently have an ANZ frequent flyer card, will my points get transferred over
Hi Tony. There’s up to 55 days interest free on purchases made with this card provided you pay your balance in full each month. If you were accruing Qantas Frequent Flyer points on the ANZ card, then when you join your existing Frequent Flyer membership to the Woolworths Qantas Credit Card, the points will remain. Cheers.
What is an eligible purchase’? in order to get the 16000 flyer points?
cheers
sunshine
Hi Sunshine. Thanks for your question. An eligible purchase is everything except business expenses, interest free promotions, balance transfers and cash advances. Cheers.
I am currently with another credit card company (been with them for over 20 years) not satisfied.
I am retired and have an income of approx. $35,000 to $40,000 with an excellent credit reference would i be eligible for your card?
Hi Jessie. Thanks for your question. Credit card eligibility for retirees is a tricky question. Because you don’t have an employer, your application may not be accepted online. It is a better idea to speak to a lender directly and apply in person. This way they can factor in your retirement income. Jacob.
Hi Jeremy,
I’ve read your replies regarding where points can be accrued, and you’ve quoted from documentation. Can you just answer, in your words, whether a dinner purchase, or buying car tyres or any other purchase, which may be non woolworths related accrues points.
Thanks,
Craig
Hi Craig. Thanks for your question. Points are earnt on all transactions excluding business expenses, interest free promotions, balance transfers and cash transactions. All other purchases besides the ones just listed will accrue points. Hope this makes things clearer.
HI,
Can you please confirm if the Qantas – Woolworths credit card has a cap on the frequent flyer points you can earn?
thank you
Hi Fiona. Thanks for your question. There is no points cap with this card. Sorry for the delay in getting back to you.
Am I eligible for your card? I receive a public service pension and additional $25K pa in casual work. I have Qantas Frequent Flyer Card and an Everyday Rewards card already.
Hi Alex.
The minimum income requirement for this card is $50,000 p.a. Applicants must also have a good credit rating to be eligible for this card. Hope this has helped.
can you please tell me if there is an overseas transaction fee applied to this card? Some have a 3% conversion fee for shopping online at overseas outlets. Thank you
hi Tatiana. Thanks for your question. According to the Woolworths Qantas Credit Card Terms and Conditions, there is an overseas transaction charge payable when you use your card to make a purchase outside Australia. This is a fee of 3%. Check our travel money comparison for a list of cards that do not have this charge.
Hi,
Im looking at this card but currently have 2 cards with limits totalling $14,000.
I want to get rid of 1 card (and that limit) and replace it with this one.
I applied (6 months ago) and didn’t get approved, even though I tried to explain I didn’t want a 3rd card, I just wanted to change to another card company?
Hello Doug,
thanks for the question.
There are many reasons why a credit card won’t be approved, and unfortunately how an applicant intends to use a card won’t necessarily help their chance of being approved. For a list of other common reasons why a credit card application can be declined this may have some answers for you.
I hope this helps,
Marc.
Just wondering if you get 1 point for every $1 spent every time you use your credit card for a purchase. can you please advise me on where I would not get 1 point per $1 spent.
Hi Natalie. Points are earnt on all eligible purchases. Eligible purchases include everything except: business expenses, interest free promotions, balance transfers and cash advances. So if you spent money at Coles, and used your card to buy your groceries, you would earn points. Thanks.
Can the card be used everywhere that Mastercard is accepted?
Hi Shane. That’s correct. Cheers.
Hi.
What is the so called “eligible purchase”?
I’m not sure if I’m getting this right. If i used this card else where, I get 1 point per $1, but if I used this card in woolworths stores I get 1 point for every $1 above $30.
am I getting this right???
Hi Jacky thanks for your question.
You will earn 1 Qantas Frequent Flyer point on all eligible purchases and an one additional point for every dollar spent over $30 at select Woolworths stores. Hope this has helped.
Hi Jeremy. I think I’m almost clear and ready to apply. Can you clarify by example how many points would be earned for a $250 grocery shop at Woolworths using this card? My interpretation is
250 points from the Mastercard purchase plus
220 extra points for the rewards transaction less $30
totalling 470 points
Is this correct?
Hi Heather. Thanks for your question. You will earn 1:1 points to dollars as normal in addition to an extra point per dollar spent for spending over $30 at Woolworths, which comes to 220. Total points earnt would be 470. Cheers.
Just wondering if you could clarify the term up to 55 days interest free. Does this mean on some purchases you get 55 days and others you don’t?
Hi Chirs. Thanks for your question. For information about interest free days on purchases, check our article on the topic.
I am interest in a card that also provides travel insurance. Do you have any card that would have this feature including the FF points
Thanks
Hi,
Does this card generate Frequent Flyer point for BPay transactions?
Thanks
Hi David. Thanks for your question. In order to earn points on BPAY transactions, you will need to make sure the organisation you are trying to pay is registered as a BPAY biller. If they are, then your transaction will be treated like a purchase, you’ll be charged the purchase rate of interest and you will earn points. If they aren’t registered as a BPAY biller, the transaction will be treated as a cash advance and you will not earn points. To find out which business as registered as BPAY billers, check the BPAY website.
Hi
Does this card generate Frequent Flyer points for BPay transactions?
Thanks
Hi David. Thanks for your question. No points are earned on business expenses, interest free promotions, balance transfers and cash advances – hope this helps.
Can I still use my orange rewards card once I get the new MasterCard? Sometimes I pay cash.
Where can I pay each month if I don’t do external banking or use B pay.
Hi Rhonda. Thanks for your question. If you don’t use your online services to pay the card, it can be done at any Woolworths, Big W or Safeway store. The money generally takes about 24 hours to clear and you can pay up to $2,000 each time. If you’re using a Orange Rewards Card, you can request to have the bar code printed on to the back of your new Woolworths Qantas Credit Card in order to avoid carrying around two cards. Hope this helps.
I’m retired and that means no income but I have more than 250K in the bank as term deposit. Am I eligible to apply Woolworths Qantas Credit Card?
Hi Sally,
thanks for the question.
According to a Woolworths Money customer service representative this type of application could still be eligible, but more information it could be a good idea to give them a call.
I hope this helps,
Marc.
Hi Sally,
thanks for the question.
According to a Woolworths Money customer service representative this type of application could still be eligible, but more information it might be a good idea to give them a call.
I hope this helps,
Marc.
When to pay annual fee – right after the application is successful or at the end of the membership?
Hi Carol. The annual fee is charged to the account after the card is activated. Thanks for your question.
Last year I used this card and availed bonus 16000 points. Due to some reason I didn’t renew the card again and stopped the card. But now I’m thinking to apply again. Will I get 16000 points again?
Hello Chetan,
thanks for the question!
All new applications for Woolworths credit cards are treated as new customers, so this 16,000 bonus points would be available to you again.
Cheers,
Marc.
if i use the card to pay for flights on Qantas or jetstar, do I pay a transaction fee?
‘Richard, standard card transaction fees apply for flight bookings. QANTAS fees can be found here and Jetstar’s doesn’t disclose a schedule of their booking fees online.
Cheers, Adrian’
How can I apply without doing it on the net?
I am retired (65) with an income in excess of $50,ooo via my self manager super fund dividends. Do I qualify?
Hi Geoff. Applying online is the easiest way to get a credit card; however, you can apply for this card in person at any Woolworths store. This will take about 14 business days to process. Thanks for your question.
I notice you can B-pay from your account, do you earn points on these B-Pay transactions?
Hi Tony. Thanks for your question. You will earn points when you pay a bill via BPAY. Cheers.
When you state ‘Permanent Australian Resident’ I will be living and working in Australia on a Subclass 457 (4 year sponsorship) visa. I have already been working here for a year under the working holiday visa too. so a total of 5 years in the country once my 457 expires. Does this entitle me to apply for the credit card? I meet all the other criteria, earning a salary of $240k p.a. Thanks, Josie.
Hi Josie. Each institution has different rules about temporary residency requirements. For information about credit cards for temporary residents, please check this page for more information. Woolworths will allow a temporary resident on a subclass 457 visa to apply for one of their cards, provided the other application requirements are met. Thanks.
hi , i currently have had this card for sometime now and in small writing it states *PLATINIUM* CARD-IS A TRUE PLATINIUM CARD AS THE COLOR IS *NOT* PLATINIUM?
ALSO , I WOULD LIKE OVERSEAS TRAVEL INSURANCE *INCLUDED* WITH MY CARD! HAVE I GOT THE RIGHT CARD? OR SHOULD I TRANSFER TO ANOTHER QANTAS F/F CARD?? THX KINDLY , WAYNE………….
Hi Wayne. Thanks for your question. The Woolworths Qantas Credit Card does not come with complimentary international travel insurance. Please refer to our Qantas Frequent Flyer comparison page for more information on this topic. Cheers.
can the annual fee be waived
Hi Andrea. The annual fee is non-negotiable. Thanks.
Hi
I just wanted to see if there is an annual cap on the amount of points that can be accumulated?
Hi Kathy. Thanks for your question. There is no cap on the amount of points that can be earnt in a year. Cheers.
1. Can my frequent flyer points from my ANZ card be transferred?
2. How can I check if my Woolies Rewards card gives me frequent flyer points?
Hi Margaret. Thanks for your question. When you switch cards, you keep the same Frequent Flyer membership number. When you sign up for the Woolworths Qantas Credit Card you will be asked to provide your Qantas Frequent Flyer (QFF) membership number and you can link you new card to your old QFF account. Once this is done any points you earn on your new card will be credited to your account. The Woolworths Qantas Credit Card does offer Frequent Flyer points when you make a purchase, you can check to see how many you have earnt through Qantas Online membership services. Cheers.
Hi Jeremy,
I researched the terms and conditions but could not find the following information.
1.’Earn 1 Qantas Frequent Flyer point for every $1 you spend on most purchases’
Ques: what are ‘most’ purchases
2. Are there cancellation fees? or any cooling off periods?
3. Can the credit card accountants department link my current savings account to this card so regardless of the amount on the statement period they can direct debt this amount?
4. Are the statement periods also 55 days? Or are they monthly and I have an extra approx 34 days to pay?
That is all for now :-)
Hi Rebecca. Thanks for your questions.
1. Most purchases refers to eligible purchases: everything except business purchases, interest free promotions, balance transfers and cash advances.
2. There are no cancellation fees or cooling off periods – if you are not carrying an outstanding balance on your card, you’re free to cancel any time at no charge.
3. Yes, what you’re referring to is a direct debit agreement , which can be set up easily enough by filling out a direct debit agreement form from Woolworths Everyday Money.
4. Statements come monthly.
Hope this helps.
Jacob.
Hi there, I take it if I spend $300 at Woolworths I receive 300 FF points, in addition to this if I have my Every Day Woolworths rewards card linked I get another 300 FF points. if this is correct please let me know. Also do these points have expiry limits. Thanks
Mark
Hi Mark. Thanks for your question. Both cards are linked to the one account, so you’ll only earn 300 Qantas Frequent Flyer points. There is no cap to the amount of points you can earn. Cheers.
I applied already , however, no one has contacted me. When will I received the card?
Hi Tracy. Thanks for your question. Please refer to our article on checking your application status for further information on this topic. Cheers.
Will payments be applied to purchases or balance transfers 1st?
Hi Ben. Thanks for your question. Credit card repayments are allocated to higher interest charges first and lower interest charges second. This rule has recently been changed under the Australian government banking reforms, for further information, please refer to our article on the topic. Cheers.
Can I use this credit card to pay bills via BPAY? I have flights I’d like to pay for but they must be payed using BPAY – could I use this credit card to pay for those flights and in doing so earn points?
Thanks
Hi Luke. Thanks for your question. It really depends on whether the biller is set up as a BPAY biller. If so, the transaction will be treated as a purchase and you’ll earn points. If not, it’s treated as a cash advance and you won’t earn points. Cheers.
Hi
How many points can I earn in one year?
thanks
John
Hello John,
Thanks for your question.
The Woolworths Qantas Credit Card has no points cap, so there’s no limit to the amount of points one can earn in a year.
The card earns 1 point for every $1 spent on eligible transactions. At certain participating Woolworths stores this becomes 2 points per $1 spent if the transaction is over $30.
Points are only earned on eligible purchases however, so check out the Frequent Flyer website for more details about how to earn them.
I hope this answers your question,
Marc.
what is the likely credit limit on this card…I need $50000
Hi Simon. Thanks for your question. The credit limit is assigned based on the financial information provided at the time of application. A lender will assign a limit based on what they think a customer can pay back. Hope this helps.
Hi,
Are my frequent flyer points transferable from my existing frequent flyer credit card?
Will the Everyday Money card make my existing rewards card worthless if using the everyday money card for purchases?
Thanks,
Shane.
Hi Shane. When you apply for a credit card that lets you earn Qantas Frequent Flyer Points, you will be asked to link the card to a Qantas Frequent Flyer membership account. If you have an existing Qantas Frequent Flyer membership, you can link it to your new credit card, you keep your existing points and all spending will earn points that go towards that membership. Thanks for your question.
Does this card offer any type of insurances?
Travel, purchases…..
Hi Matt. Thanks for your question. There are no complimentary insurances provided with this card. Cheers.
Hi
Can the Qantas FF points be used for Qantas only or any other carrier also?
Cheers,
S.
Hi Saleem. Thanks for your question. Please check this page for further information. Thanks.
Why is Tasmania not the same as the rest of Australia in regard to having the Everyday Rewards Program? It seems Tasmanians are severely disadvantaged!
Hi Craig. We’re not sure why it’s different.
Tasmania has the Frequent Shopper Card. It’s different from the Everyday Rewards Card in the following ways:
a) you don’t have to spend over a certain amount to earn points (Everyday Rewards – spending over $30 earns points).
b) you only earn points shopping at Woolworths supermarkets (Everyday Rewards you can earn points shopping at Dick Smith etc.).
Thanks for your question.
Thanks Jacob, following on from previous question, I called Woolworths here in tassie and asked whether it was likely that Tasmania would change to the same system as everywhere else and I was told it’s being looked at. Do YOU believe it will change soon and do YOU agree Tasmania is disadvantaged in relation to achieving maximum QFF points? Cheers.
Hi Craig. I’m in no position to comment on this. Thanks for your question.
Will i still be eligible for the 0% balance transfer and 16000 bonus points even though i had the card years ago but cancelled it?
Hi Lyon. If you’ve cancelled the card and you are going to sign up again, you will be eligible for the new customer promotion. Cheers.
In regards to not being allowed to use this for business expenses….. I have a small business where there is a lot of cross over in my personal and business life, how is this policy policed?
Hi Chris. Very good question. I’ve tried to answer this question for a user before and the best answer I managed to get was that it was something along the line of the honesty policy. If you find an answer to this, please post it on our site. Thanks. Jacob.
Hi Jacob,
I appreciate your more human answers than Jeremy’s =)
I have checked Terms etc and read through the Q&A, but am still not 100% sure on a very common question. How many points do i get?
Say i spend $100 at woolies, I get 100 FF points for using the card. PLUS 70 FF points from the everyday rewards. total =170 FF points for the $100 purchase.
Is this correct?
Then if I spend $100 at Coles, I simply get 100 FF points for using the card. Correct?
Thanks very much for your simple answer and not referring me to any clause somewhere.
James
Hi, James. What you have described are the earn rates for the Woolworths Qantas Credit Card. Thanks for your question.
Hi,
Trying to clarify if you get 1 point per dollar spent outside of a woolworths affiliated store or everyday rewards card accepted stores. I have checked the website for this card and it does not clarify it properly. From how I read it, it appears you only get points at stores affiliated with the everyday rewards program as indicated by point number 2 in the terms and conditions printed here.
Many thanks in advance,
Julius
Hello Julius,
thanks for the question!
This card does earn 1 point per dollar spent on eligible purchases outside of Woolworths and its affiliated stores. It also however earns an additional point per dollar spent when your transaction is over $30 at participating Woolworths, BWS and Big W stores. This additional point is earned on your everyday rewards account, which is linked to your Qantas Frequent Flyer account. There’s an everyday rewards barcode on the back of the card which you scan when at a Woolworths card.
I hope this helps,
Marc.
I am currently the holder of a MasterCard and Amex linked. I am retired on a pension with Centerlink assessing my annual income as above 50K. Am I eligible?
Hi John,
Thank you for the question.
To be eligible to apply for this card applicants need to have a minimum annual income of $50,000 and a good credit rating in addition to the basic eligibility requirements listed such as being over 18 years of age and being a permanent resident. If this is met there’s no reason why an applicant can’t apply for the card.
Marc.
what if I only need to spend a minimum of 2500 a month, am i eligible to apply for this credit card since its a minimum of 8000 dollars .
Hi Christine. The minimum credit limit is the lowest amount of credit you can get when you apply for this card. Once you have the card, you don’t have to spend the available credit. Thanks.
If I travel overseas and put in AUD $5000 into my account so it’s in credit, what are the fees for a withdrawal from you? I.e I go to an atm in thailand and withdrawn $1000 AUD in Thai Baht?
HI Michelle,
thanks for the question!
If this card is used for withdrawing cash at an overseas ATM, you’ll have to pay the following charges, even if the card is in credit.
Cash advance withdrawal fee of $2.50 or 2% of the transaction amount (whichever is greater)
A foreign currency conversion charge of 1.5% of the AUD amount of each withdrawal
ATM fees which may be charged by the overseas ATM owner
I hope this helps,
Marc.
Hi, I just applied for a qantas c/card with a balance transfer of $4k. I would like to reduce the transfer amount but wondered if this will be done automatically if I’m approved? Also, I listed that I have two current cards but I will be terminating one of these if and when I’m approved. Will this information help my application?
Thanks, Jodie
Hi Jodie. Thanks for your question. If you would like to reduce the amount your carrying from one credit card to another through a balance transfer, please contact your lender directly. The balance transfer will be processed once you activate the credit card, so you want to speak to Woolworths Everyday Money before you do this. Once you apply for a balance transfer and are approved for a new credit card, it’s responsibility to close the old credit card. The fact that you’re closing you old card has no bearing on your chances of approval for you new card. Cheers. Jacob.
If I get a supplementary card for my wife will she receive the Qantas Frequent flyer points for all purchases on her card.
Hi Greg. You can only link one Qantas Frequent Flyer membership per account. So, if your wife has an additional card, she will earn points for the main account when she spends, which will be credited to the linked Qantas Frequent Flyer account. Jacob.
I’m not a QA Flights member. How a can be a member of QA?
Hi Veronica. Thanks for your question. Do you mean the Qantas Frequent Flyer Program?
I recently bought a plane ticket (the airline is not Qantas) on the card for a vacation. I have since become unemployed (my employer went into receivership) and cannot go on the trip due to my visa situation (can’t leave the country until employment is sorted). Does the card have any insurance protection in this situation?
Thanks in advance.
Hi Richard. Thanks for your question. This product does not offer complimentary international insurance; however, you can get credit card insurance, which covers the minimum monthly repayment in the event you lose your job. Jacob.
can I use woolworth credit card for any bill payments. and can i use the credit card anywhere and online purchases
Hi Richie. Thanks for the questions. This card works the same as other cards: online, over the counter and to pay bills – not just at Woolworths. Jacob.
If you use the MasterCard to pay licence fees, Car rego and other Govt. charges do you earn points. You have previously mentioned in a reply that you will not earn points for any government charge.
Regards
Bryan
Hi Bryan. I believe car registration is a personal consumer purchase and is considered an eligible transaction. Government charges do not earn points, what do you mean by licence fees? Is this for a driver’s licence? Jacob.