Woolworths Qantas Credit Card Review & Application
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
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 .
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
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 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 | $8,000 |
| Annual Fee | $89 p.a. | |
|---|---|---|
| Minimum Repayment | 2.50% | |
| Interest Charged From | Purchase Date | |
| Late Payment Fee | $35 | |
| Over Limit Fee | $35 | |
| Overseas Emergency Replacement | $50 | |
| Overseas ATM Withdrawal | $2.50 | |
| Gambling Transactions Allowed | No |
| Rewards Points per Dollar | MCARD:1 Partners:2 Point(s) | |
|---|---|---|
| Points needed for Syd/Mel Return Flight | 25000 | |
| Points needed for $100 Voucher | 13500 |
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?
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
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
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
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
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
how many additional cardholders are you allowed on an everyday money credit card?
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
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 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
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, 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,
You can earn 1 Qantas Frequent Flyer point per $1 spent over $30 on eligible purchases.
Cheers
Jeremy
Hi,
You are allowed one complimentary additional card holder. 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 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
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
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
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
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
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
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
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 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 ?
With this card are you covered if it is stolen- fraudulent use
when signing up for this credit card do you have also sign up for frequent flyes 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,
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
Can we transfer from the credit card we have to this one? How do we do this
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 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
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 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
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
Is there any fee on international transactions with the woolworths qantas credit card?
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
Can you please confirm what an “eligible purchase” means in order to receive the 16000 bonus ff points?
What is an eligible purchase?
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
Hi,
Thanks for the question. Please visit the Woolworths Qantas Credit Card Review page for information about eligible purchases.
Cheers
Jeremy