Woolworths Credit Cards

Updated 13 June 2019

As one of Australia’s two supermarket giants, Woolworths is a name we all know and recognise. But, Woolworths as a brand offers much more than a place to do your weekly shop. In recent years, Woolies branched out into the financial services market, allowing customers to pick up Woolworths toilet paper and teabags alongside insurance cover, mobile phone plans and credit cards. And while the range of Woolies cards is small, it could still provide plenty of perks for the regular Woolworths shopper.

Woolies most recently got into the credit card business with the launch of the Woolworths Everyday Money Credit Card back in 2008. While there had been a dalliance with Commonwealth Bank in 1999 to release Ezy Banking, this effort was soon forgotten. Partnering with HSBC for the launch of its Everyday Money Card almost ten years later, Woolworths offered cardholders the opportunity to earn rewards on the brand’s own rewards program, and from there, added to its card range.

Today, Woolies cards are issued by Macquarie Bank, and can be a great option for shoppers who choose Woolworths over Coles. These rewards cards allow cardholders to earn points on all eligible purchases, often with additional points on offer at Woolies supermarkets and other retailers within the group, such as Dan Murphy’s, Cellarmasters, BWS, BIG W and Caltex. Other perks on offer can include 10% off your Woolies shop once a month, 50% off selected Cellarmasters wine cases, and up to 10% off Woolworths Insurance. To find out more, simply click on the cards below.

Woolworths Everyday Platinum Credit Card

Woolworths Everyday Platinum Credit Card

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points earned over 12 months
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Qantas Frequent Flyer
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Woolworths credit cards and beyond

There's no doubt Woolworths is a household name. You pop to Woolies for a litre of milk, fill up with petrol at Caltex and pick up drinks from Dan Murphy's or BWS.

Woolworths and Credit Cards

Just like its major supermarket competitor Coles, Woolworths is everywhere. It’s even in your wallet. Aside from its incredibly successful loyalty cards, Woolworths Rewards, Woolies also offers another type of plastic. Credit Cards.

Woolworths branched into financial services some years ago. So that now, Woolies not only has a bushel of insurance products to its name, it also has a couple of very enticing credit cards. If you happen to like rewards – and you tend to shop in Woolies stores – these cards are definitely worth a closer look.

Rewards Cards

Designed to reward you for using your card, rewards cards come in all shapes and sizes to suit all types of spending. As you would imagine, Woolies rewards cards are designed to reward spending in Woolies-branded stores. However, they still offer points earning potential on other types of spending as well.

Love Woolies? Then you might just fall in love with the Woolworths Everyday Platinum Credit Card. Offering a great reward point earn rate for Woolies-based spending, the card could allow you to stack up points pretty quickly.

  • 3 Credit Card points per $1 spent on purchases of Woolworths Select and Woolworths brand products
  • 2 Credit Card points per $1 spent on purchases at Woolworths, Dan Murphy's, Cellarmasters, BWS and BIG W
  • 1 Credit Card point per $1 spent where Visa is accepted

But what do those points go towards exactly? Every four months, the points you’ve earned are counted and converted into a Woolworths Shopping Card. As long as you’ve earned a sufficient number of points, they get converted into dollars that can be spent at Woolies stores.

Those stores include Woolworths supermarkets, BIG W, BWS, Dan Murphy’s, Masters, Thomas Dux, participating CALTEX outlets, and online at Cellarmasters. And the best thing? You have uncapped earning potential. The more points you earn, the more you get back on your Woolworths Shopping Card.

Frequent Flyer Cards

Frequent flyer cards are really pretty similar to rewards cards. They reward you for your card use, but instead of earning retail rewards, you can earn travel-related rewards. The Woolworths Qantas Platinum Credit Card is one such frequent flyer card.

Earning points on the Qantas Frequent Flyer program, this card is an awesome choice for anyone who enjoys flying Qantas. The rewards points earn rate on this one is simple.

  • Earn 1 Qantas Point for every $1 spent on eligible purchases for the first $2,500 spent per statement period, and 0.5 Qantas Points per $1 spent thereafter.
  • Earn an additional 1 Qantas Point per $1 spent on selected Qantas products and services.

As a Qantas Frequent Flyer member, you will earn points as you spend. Once you’ve collect enough points, you can redeem them for flights, upgrades and hotel stays. Or alternatively, you could use them to shop at the Qantas Store. With everything from golf clubs to spa visits, the Qantas Store is jam-packed with goodies for everyone.

Why should you choose a Woolies card?

Are you a member of Woolworth Rewards? Both the Woolworths Everyday Platinum Credit Card and Woolworths Qantas Platinum Credit Card double as credit card and loyalty card. So you only need to carry around one piece of plastic instead of two.

When paying at participating Woolworths and BWS stores, you can scan your card when you pay. This allows you to earn Woolworths Rewards points, while also earning points towards your Woolworths Shopping Card.

Love dining out? Using your card, you can save 20% of your total bill (up to a maximum deduction of $25) at more than 2,000 restaurants and cafés. All you need to do is register for the Woolworths Money Dine Play Stay Program.

Any other extras? With up to 55 days interest free on purchases, you could also use your card to save on interest. On top of that, you can enjoy Visa Entertainment benefits, discounts at Cellarmasters, up to 10% off Woolworths Insurance, and interest free offers on selected purchases at BIG W.

As for platinum perks – we’ll get to those in the Platinum Cards section!

What should you look out for with these cards?

A recent study revealed many customers don’t think that much of their rewards program. Released by research house JD Power, the 2016 Australia Credit Card Satisfaction Study found that one in five participants believed the value of their rewards scheme had fallen in the past year.

Surveying 4000 credit card customers, the study showed that half could not recall a single benefit their card offered. The research also found that about three in four cardholders didn’t understand the credit card terms on their cards. Thirty per cent didn’t understand foreign currency and transaction fees, 22% hadn’t a clue about interest rates, and 20% were unsure of balance transfer conditions.

What does that mean for you? As a credit cardholder, it’s essential you understand your card if you want to get the most out of it. Before signing up for the Woolworths Everyday Platinum Credit Card or the Woolworths Qantas Platinum Credit Card, make sure it’s right for you.

One thing you should always look at is the annual fee. While you can always avoid interest by paying off the balance each month, the annual fee will be there no matter what.

For a rewards card, the Woolworths Everyday Platinum Credit Card actually has a fairly low annual fee. Meanwhile, the Woolworths Qantas Platinum Credit Card’s annual fee is more expensive, but still affordable.

To make either card work for you, simply make sure you’re getting more out in rewards and features than you’re paying in. If it doesn’t work for your kind of spending, perhaps a different card would be more suitable.

Platinum Cards

Both of the Woolies cards we’ve looked at have also been platinum cards. What makes a platinum card special? Platinum cards generally offer more features. If they happen to be rewards or frequent flyer cards, they can also offer a higher points earning potential than standard cards.

Both the Woolworths Everyday Platinum Credit Card and Woolworths Qantas Platinum Credit Card offer the same platinum perks. Let’s take a look at what’s on offer.

Visa Luxury Hotel Collection Access

Love travelling? If you happen to be staying at one of the Visa Luxury Hotel Collection, you can get some great extras using your card. You can enjoy an automatic room upgrade and late check-out (where available). You can also enjoy free in-room internet, daily continental breakfast for two, and a $25 food and beverage voucher.

24/7 Concierge Service

Including a concierge service has become common for platinum card providers. Offering that higher level of service, a concierge is on-hand 24 hours a day via phone or internet. No matter where you are in the world, you can ask your concierge for almost anything. From booking concert tickets to restaurant recommendations, your concierge is there for you!

Complimentary Insurance

Complimentary insurance is another common feature on platinum cards. What’s on offer on our Woolies cards? As it’s more of a retail-related card, the Woolworths Everyday Platinum Credit Card offers purchase security insurance and Wallet Guard.

As more of a travel-based card, the Woolworths Qantas Platinum Credit Card offers insurance more suited to travel. These include travel insurance, transport accident insurance, interstate flight inconvenience insurance and global hire car excess waiver cover. In terms of purchase-related cover, you’ve got purchase security insurance and extended warranty insurance.

What should you be aware of?

In terms of how to use them correctly, platinum cards are similar to rewards cards. Both Woolworths cards have a fairly high purchase rate, so it can be easy to pay out too much in interest. To avoid this – and make the most of the card – pay the balance in full each month.

As you would with a rewards program, simply weigh up the platinum perks against what’s you’re paying out. Think about annual fees, interest and anything else you have to pay for the card. You can make it work for you – if you’re smart!

Who is Woolworths?

Founded in 1924, Woolworths found its first home in Sydney. Opening for business as Woolworths Stupendous Bargain Basement, the store used the opening advertisement:

“Every city needs a Woolworths: Sydney has it now.  Every man, woman and child needs a handy place where good things are cheap.”

After opening its second store in Brisbane, Woolies officially became a chain in 1927. By 1930, there were 16 stores throughout New South Wales, Queensland, Western Australia and New Zealand.

From there, Woolworths opened its first ‘self-service’ store in 1955, its first food store in 1957, and its first supermarket in 1960. After which, it opened and acquired a host of other businesses, including BIG W, Dick Smith, Safeway, Masters and Cellarmasters.

Now? Woolies, as we know, is everywhere. And it’s still growing. If the media is to be believed, there will be more financial products and services from Woolies. There is also said to be a major expansion into telco services in the works.

Recently Asked Questions

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40 questions (showing the latest 10 Q&As)

Debbie

Debbie

9 May 2019
I have a Woolworths VISA Platinum card and I need an I’d number to open the app I have just put on my phone. I rang for help and was told they would send a link for me to do it myself. I’ve received nothing. Can you help please?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 May 2019
    Hi Debbie, sorry you will need to reach out to Woolworths credit card customer service again. We are a credit card comparison site. I have an email for them which could work better - woolworthsmoney@cardserve.com.au
Margaret

Margaret

11 March 2019
How long is the period which you have to pay
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 March 2019
    Hi Margaret, with credit cards you can make the minimum payments each month. With Woolworths credit cards you get up to 55 days interest free on purchases. This is if you do not carry a balance in the previous period. With all credit cards. If you hold a balance, then you do not receive interest free days on new purchases.
di

di

13 August 2018
I have a woolworths Qantas platinum card and I believe travel insurance is complimentary with $500 excess. I can purchase comprehensive woolworths travel insurance for $79 with no excess. How does that work.
Olwyn Petermann

Olwyn Petermann

8 August 2018
I have one default on my credit file from a Telco a few years ago. Other than that I have no other bleminsh. Would I be approved for a card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 August 2018
    Hi Olwyn, having a default on your credit file does make it hard to get approved for a new credit card. Approval depends on a range of factors such as income v expenses, assets v liabilities and your credit history. If you are all good on the first 2 and you have not applied for credit in a while. Then I think its worth putting your toe in the water and seeing if you can get approved. Applying for a piece of credit every year or so will little to no impact on your credit file. As your default is telco and not around personal finance products this puts you in a much better position. Have a look at the ANZ Low Rate credit card. Generally it is one of the easier cards to get approved for if you are going to have a shot.
Paule Soderblom

Paule Soderblom

5 May 2018
I have apply for a credit card from Woolworths ..My security questions have been send to you on Friday 27 april 2018 from Brisbane PO,How long do I have to wait for my card to arrive Thank you
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 May 2018
    Hi Paule, I would assume that they should have arrived by now. Give Woolworths credit card customer service a call on 1300 10 1234.
Cheryl Smoker

Cheryl Smoker

19 March 2018
My husband is on disability support pension and i am on a carer pension can we get a credit card threw woolies
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 March 2018
    Hi Cheryl, I don't think Woolworths sees the disability pension as income. Therefore you need to look at a provider that can so. I would speak to your everyday bank where you pension is deposited to see if they can help. Typically the big 4 banks can assist.
TM

TM

16 October 2017
Can you please provide me with the postal address to write a letter requesting to close out my Woolworths credit card and send a cheque with the payout figure?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 October 2017
    Hi Tracey, you will need to contact woolworths credit card customer service to get these details.
Rob

Rob

12 October 2017
Hi Roland, I am confused with all of the offers that really offer nothing. I am currently looking at replacing a CBA platinum mastercard as the annual fees are way out of proportion. I want 55 days interest free and low annual fee. Can you please advise.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 October 2017
    Hi Rob, yeah, there are a huge amount of offers out there and it is hard to cut through the crap sometimes. Do you tend to pay off your balance in full each month? Are you looking to transfer any current CBA debt? Are you interested in rewards points at all or just want low rates? A few cards without any extra info that I think are good deals - ME Frank - no annual fee for life, 11.99% p.a. rate. ANZ low rate Platinum MasterCard with $250 cash back right now. Has some extra features which are nice inc overseas travel insurance and domestic car rental. Another is the St George Vertigo with reasonable annual fee, ability to transfer CBA debt if required and reasonable rate on purchases.
magaret

magaret

25 August 2017
I want a pre-paid credit card where I am using only my money to use on the internet do you have one?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 August 2017
    Hi Magaret, yes woolworths have a prepaid mastercard available. Another option is just to get a free Visa or MasterCard Debit bank account. e.g. St George Freedom Account. You then can use this online to pay for things.
ZANELE MDHLULI

ZANELE MDHLULI

22 June 2017
HELLOW Roland,i had a woolworths credit card while or years ago, i paid it an finish, i dont know which year, but this they calling they say im owing money how ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 June 2017
    Hi Zanele, I am not sure but its important to sort anything like this out. You can always contest the charges / debt but communicate with them and resolve it as soon as you can. Maybe the card was not cancelled and the annual fee has accrued. In the end its worth paying it if the debt is small and making sure its 100% cancelled this time. Best of luck with resolving as you don't want it to negatively affect your credit rating.
Brian

Brian

29 April 2017
To withdraw cast which bank do you use?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 May 2017
    Hi Brian, you can go to any bank to pull out cash from your Woolworths Visa card. Its best to go to the bank that you have your everyday account with to do the transaction.
Julie Vincent

Julie Vincent

30 January 2017
Does woolworths accept carer payment as income for purposes of applying for credit card ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 January 2017
    Hi Julie - Austudy, Carer's Allowance, Child Support Payments, Family Tax Benefits and Parenting Payments and Youth Allowance are acceptable.
Donna Murray

Donna Murray

14 December 2016
Did an application online for a credit card had to submit payslips etc cannot find email address to send them to ...have my details been saved or do I reapply ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 December 2016
    Hi Donna, I would give Woolies credit card customer service a call on 1300 10 1234. If you completed the application, it should be saved with them.
Veronica Lasek

Veronica Lasek

1 December 2016
why am I not receiving my statements?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 December 2016
    Hi Veronica, you would need to contact Woolworths credit card customer service. If you have online access you should be able to see your statements there.
jeff james

jeff james

7 October 2016
i applied for a woolworths credit card. wondering how its hoing
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 October 2016
    Hi Jeff, typically credit cards take around 10 working days to be approved but this time varies based on volume and other factors. You could give Woolworths credit card customer service a call to check.
phillip harbud

phillip harbud

7 June 2016
i seem to have a problem on my credit imfo not sure what it is all i want to do is change credit card companys can i do or am i wasting my time
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 June 2016
    Hi Phillip, depending on the issue on your credit file, you should still be able to change credit cards. Most credit cards require good credit to be approved.
Malcolm Buckham

Malcolm Buckham

3 April 2016
What is the balance of my account 4363xxxxxxxxxxxx?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 April 2016
    Hi Malcolm, you will need to login online to your woolworths account or give customer service a call on 1300 10 1234
wendy bawden

wendy bawden

6 February 2016
need to login to get statement for my card but don't know where to go or my login details keep getting emails saying I can check but where and how
debbie berg

debbie berg

4 February 2016
how do I apply for one of your woolworths credit cards
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 February 2016
    Hi Debbie, you can apply online directly through the Woolworths site.
Thelma

Thelma

21 January 2016
On my credit card can i trans fare my budget to straight ? and how much?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 January 2016
    Hi Thelma, you would need to speak to My Budget in regards to this. Or maybe I misread the question. Please provide more detail.
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