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Woolworths Everyday Platinum Credit Card
Woolworths Everyday Platinum Credit Card

Woolworths Everyday Platinum Credit Card

Updated 31 October 2019

Apply by 31 January 2020

Purchase Rate (p.a)

19.99%

Balance Transfer (p.a)

0% for 14 months No BT fee. reverts to 21.99% p.a.

Annual Fee (p.a)

$0 first year. Then $49 p.a.

$0 over 14 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • No annual fee first year
  • Low $49 p.a. ongoing annual fee
  • Earn up to 3 points per $1 spent
  • You can earn extra points when shopping at Woolworths Group Stores
  • 0% p.a. on balance transfers for 14 months from card approval (reverts to the variable cash advance rate)
  • 10% off your shop once a month on selected dates. Saving you up to $50 every month
  • Up to 55 days interest free on purchases when you pay your full balance off each month

  • High standard purchase rate 19.99% p.a.
  • If your approved credit limit is less than $6,000, you will not be eligible for a Woolworths Everyday Platinum Card and will instead be issued with a Woolworths Everyday Classic Card, which does not entitle you to Platinum benefits.

Creditcard.com.au review

Editor Review

Woolworths Everyday Platinum Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Woolworths Everyday Platinum Credit Card

If you’re looking for a low cost platinum rewards card that is big on features, the Woolworths Everyday Platinum Credit Card may just put an end to your search. With an enticing array of introductory offers and a heap of tempting extras, this is one platinum offering that puts the reward into rewards card.

What we love...

Who doesn’t love a good intro offer? The Woolworths Everyday Platinum Credit Card happens to have a pretty amazing introductory offer on the table, providing new cardholders with not one, but two inviting offers. All you need to do to benefit from them is apply and be approved to be eligible..

Here’s how they break down:

  • $0 annual fee for the first year, providing you a saving of $49
  • 0% p.a. on balance transfers for 14 months from card approval.

Now, what’s to love in the day-to-day? Aside from its introductory offers, the Woolworths Everyday Platinum Credit Card has plenty to keep you interested. For Woolies shoppers, one of the best things about this card has to be its rewards program.

The card lets you earn points as you shop, and then every four months, as long as you have earned enough points, you will receive a shopping card, which can be used across participating Woolworths group stores. The more you spend, the more points you earn, the bigger the reward. And there’s no limit to the number of credit card points you can earn.

  • Earn 3 points for every $1 spent on all purchases of Woolworths Select and Woolworths brand range of products.
  • Earn 2 points for every $1 spent on purchases at Woolworths Supermarkets, Dan Murphy’s, Cellarmasters, BWS, BIG W and Caltex Woolworths.
  • Earn 1 point for every $1 spent on eligible purchases everywhere Visa is accepted, in Australia and overseas.

What’s not so great...

Before you apply for this card, it’s worth taking note of the interest rate applied to purchases and cash advances. While the purchase rate and cash advance rate on this card is about the same as most other platinum cards, it’s high enough that you don’t want to carry a balance.

Also bear in mind that any unpaid balance transfers will revert to the higher cash advance rate at the end of the introductory period.

Why should you choose this card?

One of the most appealing aspects of the Woolworths Everyday Platinum Credit Card is its low annual fee and ongoing discounts and savings at Woolworths group store. And did we mention you get 10% off once a month on selected dates? That saves you up the $50 every month or up to $600 annually! As long as you clear your balance every month to avoid paying interest, this card can help keep your costs low with an affordable standard annual fee. When you take into account the opportunity to earn rewards, and the various features on offer, this card really is good value.

Aside from the introductory offers and rewards program, this card still has plenty to entice you. As a cardholder, you will have access to the Visa Luxury Hotels collection, providing benefits such as free internet, daily continental breakfast for two, room upgrades and late check-out when available, and a $25 food and beverage voucher.

You can also benefit from complimentary Purchase Security Insurance and Wallet Guard, as well as up to 10% off Woolworths insurance. You can take advantage of the services of a 24/7 concierge, access to Visa Entertainment and 50% off selected wine cases at Cellarmasters.

Overall Rating

A feature-packed, low cost platinum rewards card offering an array of introductory offers, including $0 annual fee for the first year and 0% p.a. on balance transfers for 14 months.

User reviews

Woolworths Everyday Platinum Credit Card ( based on 12 Creditcard.com.au user reviews )

48% rating based on 12 reviews

Rates
Fees
Rewards
Customer Service
Value
21%

Nicole Faulkner

2 April 2019

I just rang to cancel this card and after agreeing to pay it completely today I was given a payout figure that didn’t include pending transactions which already appear on the account. Then the person on the other end of the line hung up on me. This happens quite frequently and is very frustrating as you have to go through whole procedure again. Points are very complicated and paid several times a year, not accumulative like Coles. Also, only 1 year free from card fee. Coles is free. Also, interest rates very high. Also, not clear when I first got this card with promise of balance transfer that 55 days interest free on purchases would not apply. Same deal with Coles but they make it very clear before you apply that that is the condition. With this card you find out after they charge interest. All up I would not recommend this card. If you are thinking of a card get one from Coles, especially if you are interested in rewards as Flybuys much easier to use and track and you have a lot more control.

Does not recommend this card
40%

Creditcard.com.au Visitor

28 January 2013

This month I was late by 3 days, but got hit with interest rates which not only include the entire outstanding amount, but for the future month as well - profiteering is the word. No cognisance of any past payment before due date. All my fault ofcourse. When I phoned my call dropped out after all the various prompts.

Does not recommend this card
77%

Andrea Benson

28 January 2013

I got this card initially for the balance transfer but I’ve now paid off the balances I brought over. I’ve found it’s great for earning points now and I use it as my everyday card. I have started shopping a lot more in Woolies though!

Recommends this card

Rates and fees

Interest rates



Purchase rate 19.99% p.a.

Cash advance rate 21.99% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 14 months

Balance transfer revert rate 21.99% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit 100% of approved credit limit

Banks you can't balance transfer from Woolworths

Credit limits

Minimum credit limt $6000

Maximum credit limit N/A

Fees & repayments

Annual fee $49 p.a.

Additional card holder fee $9

Foreign transaction fee 3%

Minimum repayment 2.5%

Annual fee the first year $0

Cash advance fee 3%

Late payment fee $35

Rewards and points

Rewards program

Rewards Program Woolworths Rewards Woolworths Rewards

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Rewards Rewards points 1 point per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

Visa luxury hotel collection access

Eligible with Apple Pay®

Overview

Woolworths Everyday Platinum Credit Card

This truly is the Credit Card that gives back with 10% off your first Woolworths shop on selected dates every month, that’s a saving of up to $50 every month or $600 annually. Plus, earn Credit Card points which automatically convert to Shopping Cards every 4 months, 4000 Credit Card points gives you a $20 Shopping Card.

Key features

  • $0 annual fee for the first year ($49 p.a. thereafter)
  • 10% off your shop once a month on selected dates. Saving you up to $50 every month.
  • Earn Credit Card points which automatically convert to Shopping Cards every 4 months
  • 0% p.a. on balance transfers for 14 months from card approval (reverts to the variable cash advance rate)
  • Earn up to 3 points per $1 spent
  • Points are uncapped
  • Additional card holders at $9
  • Up to 55 days interest free on purchases when you pay your full balance off each month

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia

  • Minimum income of $30,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

41 questions (showing the latest 10 Q&As)

Yvonne

Yvonne

15 November 2019
Credit card points are converted to Shopping cards every 4 months. Presumably in increments of $20. Is the balance carried over?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 November 2019
    Hi Yvonne, yes it looks like in $20/4,000 point blocks. Yes any balance would be carried over for points not used.

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