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Woolworths Qantas Platinum Credit Card

110 reviews

Apply by 30 April 2019

points over 12 months Calculate your savings icon

Earn rate per $1

0.5 points
16.77% Complete (success)
Qantas Frequent Flyer

Bonus points

N/A
% Complete (success)

Annual fee

$99 first year
99% Complete (success)
then $169

Pros

Earn 1 Qantas Point per $1 spent at Woolworths, BIG W, Caltex Woolworths co-branded fuel outlets, BWS, Dan Murphy's and Cellarmasters and 0.5 Qantas Points per $1 spent on all other eligible purchases

Free extra card holder to maximise points pick-up

No points capping

Cons

After first year the annual fee is $169 p.a.

Balance transfer rate reverts to the cash advance rate

Woolworths Qantas Platinum 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 good points earning card or a low fee credit card, but there are very few which will do both. $99 annual fee for the first year, $169 thereafter. 0% p.a. on balance transfers for 14 months from card approval. Offer ends 30 April 2019.

Key features

  • $99 p.a. annual fee for the first year ($169 p.a. thereafter)
  • Earn 1 Qantas Point per $1 spent at Woolworths, BIG W, Caltex Woolworths co-branded fuel outlets, BWS, Dan Murphy's and Cellarmasters and 0.5 Qantas Points per $1 spent on all other eligible purchases
  • 0% for 14 months on balance transfers (reverts to cash advance rate.)
  • 55 days interest free on purchases
  • Free additional cardholder - push up the points
  • Use the card to pay at EPump - at Caltex Woolworths service stations
  • No points cap each year
  • Rates
    54%
  • Fees
    83%
  • Rewards
    87%
  • Customer Service
    84%
  • Value
    77%
87% of customers who have rated this card would recommend it
Overall customer rating 77%
110 reviews

20% Visitor | 10 August 2018

I applied for this card for the purpose of accumulating frequent flyer points. You get no points for BPay, you can't use credit for Post Billpay payments. Despite spending thousands on purchases, my accumulated frequent flyer points don't even equate to the cost of the annual fee. I will not be renewing the card. Very disappointed.

Does not recommend this card

0% Visitor | 8 May 2015

We have had this credit card for last two years and have had nothing but trouble with the changeover to the new card, whereas previously very happy with it. The changeover was only to get Woolworths a better deal I suspect, not the customer. You can only speak with overseas call centres which adds to the frustration. You cannot actually speak with anyone in Australia. They have changed the points system as well, it is $1 per point up to $2500 on statement. then only 0.5point per $1 after. With the increase in annual fee, I dont think this card is worth it.

Does not recommend this card

Interest Rates
Purchase rate 20.49% p.a.
Cash advance rate 21.99% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Balance transfer rate 0% p.a. for 14 months
Balance transfer fee No fee
Balance transfer revert rate 21.99% p.a.
Balance transfer limit 100% of your approved new credit limit
Balance transfer from personal loan No
Banks you can't balance transfer from Woolworths
Credit limits
Minimum credit limit $6,000
Maximum credit limit N/A
Fees & repayments
Annual fee $169 p.a.
Annual fee first year $99
Additional cardholder fee Up to 1 - $29 p.a.
Cash advance fee 3%
Foreign transaction fee 3%
Minimum repayment 2.5%
Late payment fee $35
Credit card type Visa
Rewards program
Rewards program Qantas Frequent Flyer Qantas Frequent Flyer
Annual points cap uncapped
Bonus points spend criteria N/A
Earning points with this card
Qantas points 0.5 points per $1 spent
Overseas earn rate same as standard earn rate
Points cap per month N/A
Complimentary insurance
Overseas travel insurance yes - up to months
Flight inconvenience insurance Yes
Transport accident cover Yes
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover Yes
Extras
10% off your shop once a month on selected dates. Save up to $50 every month
Visa luxury hotel collection access

The Big Review: Woolworths Qantas Platinum Credit Card

The perfect companion for frequent Woolies shoppers, the Woolworths Qantas Platinum Credit Card makes it easy to earn Qantas Points on the weekly shop, while providing an excellent range of useful features. With a reduced $99 annual fee for the first year and 0% p.a. on balance transfers for 14 months, this card is hard to say no to, especially when extras such as access to Visa Luxury Hotels and a platinum concierge are thrown into the mix.

  • Earn 1 Qantas Point per $1 spent within the Woolworths Group
  • Earn 0.5 Qantas Points per $1 spent elsewhere
  • Points earned on the Woolworths Rewards program can be converted to shopping credit or Qantas Points
  • Earn an additional 1 Qantas Point per $1 on selected Qantas products and services
  • Reduced annual fee for first year, at $99
  • Complimentary insurance cover
  • Access to Visa Luxury Hotels benefits
  • Access to Platinum Concierge
  • Get 10% off your Woolies shop once every month
  • 0% p.a. balance transfers for 14 months
  • Discounts on selected Woolworths Group products
  • Access to Visa Entertainment
  • Annual Fee: $99 for the first year, $169 each year after that
  • Additional Cardholder Annual Fee: $29
  • Purchase Interest Rate: 20.49% p.a. (variable)
  • Cash Advance Interest Rate: 21.99% p.a. (variable)
  • Balance transfers revert to cash advance rate

This Card: The Lowdown

If you tend to choose Woolies over Coles for your weekly shop, then the Woolworths Qantas Platinum Credit Card may just be for you. Allowing you to earn Qantas Points on your Woolies groceries and on your everyday spending elsewhere, this card offers a straightforward points-earner, with no points cap in place.

As you would expect from a platinum rewards card, the Woolworths Qantas Platinum Credit Card also provides a number of platinum perks, making it a great choice for cardholders who like a few fancy features on their credit card.

In terms of features, here are some of the enticing extras you can expect as a Woolworths Qantas Platinum Credit Card holder.

  • Visa Luxury Hotels access provides you benefits such as room upgrades, free in-room internet, complimentary continental breakfast, late check-out and a $25 food or beverage voucher during your stay.
  • Your Platinum Concierge service is on hand 24/7, and can assist you with anything from travel reservations to theatre recommendations.
  • Once a month, you will get 10% off your Woolworths shop, simply by using your card to pay.
  • You can take advantage of discounts on selected Woolworths Group products, such as Woolworths Insurance and selected purchases at Cellarmasters.
  • You can sign up as a member of Visa Entertainment, giving you access to exclusive events and pre-sales tickets.
  • You can save on interest to pay down your existing credit card debt faster, with 0% p.a. on balance transfers for 14 months from card approval.
  • You can save even more, with a reduced $99 annual fee for first year, increasing to $169 per year thereafter.
  • You can enjoy peace of mind, with the card’s full suite of complimentary insurance covers.

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the Woolworths Qantas Platinum Credit Card, so you can decide whether this card is right for you.

This Card: As a Rewards Card

As a rewards card, this is pretty straightforward and easy to understand. Unlike certain other platinum rewards cards with complex earn rates and point structures, the Woolworths Qantas Platinum Credit Card keeps it simple.

As a cardholder, you will earn:

  • 1 Qantas Point per $1 spent at Woolworths, Big W, Caltex Woolworths, BWS, Dan Murphy’s and Cellarmasters.
  • 0.5 Qantas Points per $1 spent everywhere else.

There is no points cap in place, so you can earn as many points as you like.

Making Changes

Like so many rewards cards, the Woolworths Qantas Platinum Credit Card recently restructured its rewards program. Thanks to changes to credit card ‘interchange fees’, many credit card providers have started to wind back their rewards offerings, making it harder for cardholders to earn big on rewards.

Prior to April 2018, the Woolworths Qantas Platinum Credit Card delivered 1 Qantas Point per $1 spent up to $2,500, and 0.5 Qantas Points per $1 spent thereafter, uncapped, until the next statement period.

How this affects you as a cardholder really depends on the way in which you use your card. If you tend to shop mostly within the Woolworths Group of stores, then you will continue to earn 1 Qantas Point per $1 on most of your purchases, plus you enjoy uncapped spending.

However, if you plan on using the card elsewhere – and want to earn more on that spend – you may need to look elsewhere. It’s worth bearing in mind that with so many rewards cards cutting their earn rate, you may need to pay a higher annual fee to attain a higher earn rate. If that’s the case, you’ll need to work out whether that higher payout does actually provide more in return.

With that in mind, we’d like to point out that there are ways you can earn more Qantas Points when using the Woolworths Qantas Platinum Credit Card. Here’s how.

Increasing Your Earn Rate

You have the opportunity to earn more points when making transactions directly with Qantas. So, if you use your card to pay for Qantas flights or Qantas Club membership, you earn an additional 1 Qantas Point per $1. This gives you 1.5 Qantas Points per $1 overall.

You can now use the separate Woolworths Rewards program to bump up your Qantas Point earn rate as well. As a member, you will not only earn Qantas Points on your total spend, you can also ‘double dip’, by converting your Woolworths Rewards to Qantas Points.

Say your weekly Woolies shop is $200, then paying with the Woolworths Qantas Platinum Credit Card would give you 10,400 Qantas Points per year. In terms of your Woolworths Rewards, you can convert 2,000 Woolworths Rewards to 870 Qantas Points, which works out to be around 0.43 Qantas Points per $1.

This Card: As a Travel Rewards Card

Travel rewards cards such as those that earn Qantas Points often provide travel-related perks to cardholders. Here’s what the Woolworths Qantas Platinum Credit Card has to offer.

Complimentary Insurance

While it is common on platinum credit cards, complimentary insurance can be a great little bonus. It not only saves you the hassle of looking for standalone insurance when travelling, it can also save you a heap of money. The catch? You need to read the small print.

Insurance offered by credit cards can offer excellent cover, but you need to read the PDS carefully to make sure it offers the cover you need. The Woolworths Qantas Platinum Credit Card offers a comprehensive suite of insurance covers, for both travel and retail purchases.

  • Overseas Travel Insurance
  • Interstate Flight Inconvenience Insurance
  • Transport Accident Insurance
  • Global Hire Car Excess Waiver
  • Purchase Security Insurance
  • Extended Warranty Insurance
  • Wallet Guard Insurance

The card’s overseas travel insurance provides cover for your whole family if they travel with you for the entire journey, as long as you use the card to pay for everyone’s overseas travel fare. Cover includes unlimited overseas medical emergency cover, interstate flight inconvenience insurance and transport accident insurance when outside Australia.

Another handy one to have when travelling is the card’s global hire car excess waiver. As long as you pay for your car hire using your Woolworths Money Qantas Platinum Credit Card, you can access cover should you have to pay an excess due to loss or damage of your rental vehicle.

Also on offer is the card’s range of retail insurance covers. With purchase security insurance, eligible items purchased using the card are covered for theft or damage for up to 90 days, while extended warranty insurance extends the manufacturer’s Australian warranty by up to 12 months.

Visa Luxury Hotels

When you use your card to book a stay at any of the hand-selected portfolio of hotels listed within the Visa Luxury Hotels collection, you can access a number of tantalising benefits. These include:

  • Best available rate guarantee.
  • Automatic room upgrade upon arrival, when available.
  • Free in-room internet.
  • Complimentary continental breakfast.
  • 3pm check-out, when available.
  • VIP Guest status.
  • $25 food or beverage voucher.
Platinum Concierge

Another familiar feature on platinum cards is the platinum concierge service. Offering cardholders a service similar to that of a personal assistant, this concierge service can be accessed 24/7, to provide valuable advice and assistance.

Whether you want theatre tickets while visiting New York, or a table reservation in Melbourne, your platinum concierge can assist you. From booking a holiday to finding the perfect gift for that someone special, help is only a phone call away.

This Card: Extras on Offer

One of the most important aspects of choosing a credit card is working out whether it offers value. When it comes to platinum credit cards such as the Woolworths Qantas Platinum Credit Card, that means looking at the extras on offer, on top of other features and rewards.

10% Off On Your Woolworths Shop

A handy money-saver, this feature gives you a 10% discount on your Woolies shop once a month. Woolies will notify you ahead of time by email, telling you which weekend to shop. Then, all you need to do is shop online or in-store during the specified weekend, use your card to pay, and you will automatically enjoy the 10% discount.

You are limited to one transaction per customer, up to a value of $500, so to make it worth your while, it’s best to plan your big shop for that discount weekend. It’s also worth noting that this offer excludes purchases of liquor, tobacco, newspapers, vouchers, gift cards, mobile recharge, travel cards and tickets. It’s also not available in Tasmania.

Balance Transfer Offer

If you’re looking to clear your credit card debt, this balance transfer offer could help get you there faster. With 0% p.a. on balance transfers for 14 months, the Woolworths Qantas Platinum Credit Card lets you transfer the balance from your existing credit cards, so you can pay down the balance while enjoying some breathing space from interest.

You will pay no interest on the transferred balance for 14 months from card approval, after which point, any amount left unpaid will revert to the cash advance rate. Minimum payments are required, and you must apply by 30 April 2019 to be considered eligible.

Woolworths Group Discounts

As a cardholder, you can benefit from a number of discounts on offer within the Woolworths Group. If you’re thinking about taking out insurance, you could benefit from 10% off Woolworths Insurance, including Home, Car, Landlords, Pet and Travel Insurance. The offer excludes Life and Funeral Insurance.

Or, if you’re looking to re-stock the wine cellar, you could take advantage of 50% off selected wine cases at Cellarmasters. Note, this offer is only valid when you use your card to pay at the online checkout – and delivery charges apply.

This Card: The Essentials

Making an informed decision means taking into account not just the fancy features on offer, but how much it will cost you to enjoy them. In terms of annual fees, the Woolworths Qantas Platinum Credit Card has a reduced annual fee of $99 for the first year, increasing to $169 for each year after that. If you want to add additional cardholders to the account, that will cost $29 per card.

Both the purchase rate and cash advance rate on this card are relatively high, but that’s not out of the ordinary for platinum rewards cards. To avoid interest charges and make the most of the rewards and features on offer, be sure to clear your balance each statement period. If you tend to carry a balance month-to-month, a low rate card may be a better choice.

If you want to take advantage of the card’s balance transfer offer, know that it’s best to pay off the transferred balance before the introductory period ends. If you leave any part of that transferred balance unpaid, it will start to accrue interest at the higher cash advance rate, which will start to hurt pretty quickly.

Decision Time

If you are a Woolies shopper, the Woolworths Qantas Platinum Credit Card has seriously a lot to offer, especially when you take into account its affordable annual fee. You can earn Qantas Points on your everyday shop, maximising your points-earning potential with Qantas purchases, and by converting Woolworths Rewards into Qantas Points, while enjoying some very appealing extras.

63 questions (showing the latest 10 Q&As)

Mark

Mark

10 February 2019
Hi, Just wondering whether you can set automatic payment of your monthly statement?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 February 2019
    Hi Mark, yes you should be able to arrange this. Give Woolworths credit card customer service a call.
Sandra Treloar

Sandra Treloar

2 December 2018
Hello, I found one of your credit cards belonging to Melanie Draper I would like to return it rather than make her go through the proceeds of cancelling etc Sandra
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 December 2018
    Hi Sandra, that is nice of you. I am not sure that it is possible though as Woolworths would likely want to cancel the credit card. You can give Woolworths credit card customer service a call if you like on 1300 10 1234. Though I feel that they will just say to cut up the card. Hope you had a nice weekend.
Stuart Summers

Stuart Summers

11 August 2018
Hi Roland, Until very recently I had a Woolworths Qantas Frequent flyer card but my bank made me cancel as a pre-requisite for an investment property loan. Now that's all settled I'm keen to either get this or a different one set up again, as I've always been very disciplined at paying the balance off in full every fortnight. However despite doing 95% of my shopping at Woolies, I'm just reading up on the updated pro's of this card now, and wondering if there are better options out there? Of course I like things like the 10% off a shop once a month, and this card did help contribute to me saving $2000 off flights to the UK, but the annual fee, and 0.5 points to $1 spent on most transactions is putting me off. Would love to hear your thoughts. And incidentally I have no particular allegiance to Qantas, so happy to consider Velocity, although of course that rules any link to my main supermarket. Thanks, Stuart
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 August 2018
    Hi Stuart, this Woolworths Qantas Platinum credit card has certainly seen a reduction in points earning over time. In the end the right card for you will depend on how much you spend each month and what rewards/features you are after. If you like to travel, then the ANZ Rewards Travel Adventure credit card has some great features. You get a return domestic flight a year which more than covers the annual fee. It has a range of insurance available. It has no foreign fees on overseas purchases. Flexibility with the ANZ rewards points program. Something like the AMEX Qantas Discovery may suit as well. You can shop at supermarkets with AMEX and pay no extra fees. It has 1 point per $1 spent earn rate as well. It may be an idea to get a no annual fee AMEX card then also a Visa or Mastercard that you can use in other places.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia
  • Minimum income of $50,000 p.a.
  • You have your personal details ready to complete the online application
Woolworths Qantas Platinum Credit Card
Woolworths Qantas Platinum Credit Card

Woolworths Credit Cards

Woolworths Qantas Platinum Credit Card

1 March 2019

Apply by 30 April 2019

Points Earn Rate (per $1 spent)

0.5

points

Qantas

Rewards Program

Qantas Frequent Flyer

Bonus Points

N/A

0 points over 12 months spend

My monthly card spend

Woolworths Qantas Platinum 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 good points earning card or a low fee credit card, but there are very few which will do both. $99 annual fee for the first year, $169 thereafter. 0% p.a. on balance transfers for 14 months from card approval. Offer ends 30 April 2019.

Key features

  • $99 p.a. annual fee for the first year ($169 p.a. thereafter)
  • Earn 1 Qantas Point per $1 spent at Woolworths, BIG W, Caltex Woolworths co-branded fuel outlets, BWS, Dan Murphy's and Cellarmasters and 0.5 Qantas Points per $1 spent on all other eligible purchases
  • 0% for 14 months on balance transfers (reverts to cash advance rate.)
  • 55 days interest free on purchases
  • Free additional cardholder - push up the points
  • Use the card to pay at EPump - at Caltex Woolworths service stations
  • No points cap each year

Customer Reviews

Woolworths Qantas Platinum Credit Card

77% rating based on 110 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates & Fees

Interest rates

Purchase rate 20.49% p.a.

Cash advance rate 21.99% p.a.

Interest free 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 $6,000

Maximum credit limit N/A

Fees & repayments

Annual fee $169 p.a.

Additional card holder fee Up to 1 - $29 p.a.

Foreign transaction fee 3%

Minimum repayment 2.5%

Annual fee the first year $99

Cash advance fee 3%

Late payment fee $35

Rewards & points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Qantas pointsQantas points 0.5 points per $1 spent

Points cap per month N/A

Overseas earn rateOverseas earn rate same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance yes

Flight inconvenience insurance Yes

Transport accident cover Yes

Smartphone Screen Insurance No

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover Yes

Extras

10% off your shop once a month on selected dates. Save up to $50 every month

Visa luxury hotel collection access

Our Review

Editor Review

The Big Review: Woolworths Qantas Platinum Credit Card

The perfect companion for frequent Woolies shoppers, the Woolworths Qantas Platinum Credit Card makes it easy to earn Qantas Points on the weekly shop, while providing an excellent range of useful features. With a reduced $99 annual fee for the first year and 0% p.a. on balance transfers for 14 months, this card is hard to say no to, especially when extras such as access to Visa Luxury Hotels and a platinum concierge are thrown into the mix.

  • Earn 1 Qantas Point per $1 spent within the Woolworths Group
  • Earn 0.5 Qantas Points per $1 spent elsewhere
  • Points earned on the Woolworths Rewards program can be converted to shopping credit or Qantas Points
  • Earn an additional 1 Qantas Point per $1 on selected Qantas products and services
  • Reduced annual fee for first year, at $99
  • Complimentary insurance cover
  • Access to Visa Luxury Hotels benefits
  • Access to Platinum Concierge
  • Get 10% off your Woolies shop once every month
  • 0% p.a. balance transfers for 14 months
  • Discounts on selected Woolworths Group products
  • Access to Visa Entertainment
  • Annual Fee: $99 for the first year, $169 each year after that
  • Additional Cardholder Annual Fee: $29
  • Purchase Interest Rate: 20.49% p.a. (variable)
  • Cash Advance Interest Rate: 21.99% p.a. (variable)
  • Balance transfers revert to cash advance rate

This Card: The Lowdown

If you tend to choose Woolies over Coles for your weekly shop, then the Woolworths Qantas Platinum Credit Card may just be for you. Allowing you to earn Qantas Points on your Woolies groceries and on your everyday spending elsewhere, this card offers a straightforward points-earner, with no points cap in place.

As you would expect from a platinum rewards card, the Woolworths Qantas Platinum Credit Card also provides a number of platinum perks, making it a great choice for cardholders who like a few fancy features on their credit card.

In terms of features, here are some of the enticing extras you can expect as a Woolworths Qantas Platinum Credit Card holder.

  • Visa Luxury Hotels access provides you benefits such as room upgrades, free in-room internet, complimentary continental breakfast, late check-out and a $25 food or beverage voucher during your stay.
  • Your Platinum Concierge service is on hand 24/7, and can assist you with anything from travel reservations to theatre recommendations.
  • Once a month, you will get 10% off your Woolworths shop, simply by using your card to pay.
  • You can take advantage of discounts on selected Woolworths Group products, such as Woolworths Insurance and selected purchases at Cellarmasters.
  • You can sign up as a member of Visa Entertainment, giving you access to exclusive events and pre-sales tickets.
  • You can save on interest to pay down your existing credit card debt faster, with 0% p.a. on balance transfers for 14 months from card approval.
  • You can save even more, with a reduced $99 annual fee for first year, increasing to $169 per year thereafter.
  • You can enjoy peace of mind, with the card’s full suite of complimentary insurance covers.

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the Woolworths Qantas Platinum Credit Card, so you can decide whether this card is right for you.

This Card: As a Rewards Card

As a rewards card, this is pretty straightforward and easy to understand. Unlike certain other platinum rewards cards with complex earn rates and point structures, the Woolworths Qantas Platinum Credit Card keeps it simple.

As a cardholder, you will earn:

  • 1 Qantas Point per $1 spent at Woolworths, Big W, Caltex Woolworths, BWS, Dan Murphy’s and Cellarmasters.
  • 0.5 Qantas Points per $1 spent everywhere else.

There is no points cap in place, so you can earn as many points as you like.

Making Changes

Like so many rewards cards, the Woolworths Qantas Platinum Credit Card recently restructured its rewards program. Thanks to changes to credit card ‘interchange fees’, many credit card providers have started to wind back their rewards offerings, making it harder for cardholders to earn big on rewards.

Prior to April 2018, the Woolworths Qantas Platinum Credit Card delivered 1 Qantas Point per $1 spent up to $2,500, and 0.5 Qantas Points per $1 spent thereafter, uncapped, until the next statement period.

How this affects you as a cardholder really depends on the way in which you use your card. If you tend to shop mostly within the Woolworths Group of stores, then you will continue to earn 1 Qantas Point per $1 on most of your purchases, plus you enjoy uncapped spending.

However, if you plan on using the card elsewhere – and want to earn more on that spend – you may need to look elsewhere. It’s worth bearing in mind that with so many rewards cards cutting their earn rate, you may need to pay a higher annual fee to attain a higher earn rate. If that’s the case, you’ll need to work out whether that higher payout does actually provide more in return.

With that in mind, we’d like to point out that there are ways you can earn more Qantas Points when using the Woolworths Qantas Platinum Credit Card. Here’s how.

Increasing Your Earn Rate

You have the opportunity to earn more points when making transactions directly with Qantas. So, if you use your card to pay for Qantas flights or Qantas Club membership, you earn an additional 1 Qantas Point per $1. This gives you 1.5 Qantas Points per $1 overall.

You can now use the separate Woolworths Rewards program to bump up your Qantas Point earn rate as well. As a member, you will not only earn Qantas Points on your total spend, you can also ‘double dip’, by converting your Woolworths Rewards to Qantas Points.

Say your weekly Woolies shop is $200, then paying with the Woolworths Qantas Platinum Credit Card would give you 10,400 Qantas Points per year. In terms of your Woolworths Rewards, you can convert 2,000 Woolworths Rewards to 870 Qantas Points, which works out to be around 0.43 Qantas Points per $1.

This Card: As a Travel Rewards Card

Travel rewards cards such as those that earn Qantas Points often provide travel-related perks to cardholders. Here’s what the Woolworths Qantas Platinum Credit Card has to offer.

Complimentary Insurance

While it is common on platinum credit cards, complimentary insurance can be a great little bonus. It not only saves you the hassle of looking for standalone insurance when travelling, it can also save you a heap of money. The catch? You need to read the small print.

Insurance offered by credit cards can offer excellent cover, but you need to read the PDS carefully to make sure it offers the cover you need. The Woolworths Qantas Platinum Credit Card offers a comprehensive suite of insurance covers, for both travel and retail purchases.

  • Overseas Travel Insurance
  • Interstate Flight Inconvenience Insurance
  • Transport Accident Insurance
  • Global Hire Car Excess Waiver
  • Purchase Security Insurance
  • Extended Warranty Insurance
  • Wallet Guard Insurance

The card’s overseas travel insurance provides cover for your whole family if they travel with you for the entire journey, as long as you use the card to pay for everyone’s overseas travel fare. Cover includes unlimited overseas medical emergency cover, interstate flight inconvenience insurance and transport accident insurance when outside Australia.

Another handy one to have when travelling is the card’s global hire car excess waiver. As long as you pay for your car hire using your Woolworths Money Qantas Platinum Credit Card, you can access cover should you have to pay an excess due to loss or damage of your rental vehicle.

Also on offer is the card’s range of retail insurance covers. With purchase security insurance, eligible items purchased using the card are covered for theft or damage for up to 90 days, while extended warranty insurance extends the manufacturer’s Australian warranty by up to 12 months.

Visa Luxury Hotels

When you use your card to book a stay at any of the hand-selected portfolio of hotels listed within the Visa Luxury Hotels collection, you can access a number of tantalising benefits. These include:

  • Best available rate guarantee.
  • Automatic room upgrade upon arrival, when available.
  • Free in-room internet.
  • Complimentary continental breakfast.
  • 3pm check-out, when available.
  • VIP Guest status.
  • $25 food or beverage voucher.
Platinum Concierge

Another familiar feature on platinum cards is the platinum concierge service. Offering cardholders a service similar to that of a personal assistant, this concierge service can be accessed 24/7, to provide valuable advice and assistance.

Whether you want theatre tickets while visiting New York, or a table reservation in Melbourne, your platinum concierge can assist you. From booking a holiday to finding the perfect gift for that someone special, help is only a phone call away.

This Card: Extras on Offer

One of the most important aspects of choosing a credit card is working out whether it offers value. When it comes to platinum credit cards such as the Woolworths Qantas Platinum Credit Card, that means looking at the extras on offer, on top of other features and rewards.

10% Off On Your Woolworths Shop

A handy money-saver, this feature gives you a 10% discount on your Woolies shop once a month. Woolies will notify you ahead of time by email, telling you which weekend to shop. Then, all you need to do is shop online or in-store during the specified weekend, use your card to pay, and you will automatically enjoy the 10% discount.

You are limited to one transaction per customer, up to a value of $500, so to make it worth your while, it’s best to plan your big shop for that discount weekend. It’s also worth noting that this offer excludes purchases of liquor, tobacco, newspapers, vouchers, gift cards, mobile recharge, travel cards and tickets. It’s also not available in Tasmania.

Balance Transfer Offer

If you’re looking to clear your credit card debt, this balance transfer offer could help get you there faster. With 0% p.a. on balance transfers for 14 months, the Woolworths Qantas Platinum Credit Card lets you transfer the balance from your existing credit cards, so you can pay down the balance while enjoying some breathing space from interest.

You will pay no interest on the transferred balance for 14 months from card approval, after which point, any amount left unpaid will revert to the cash advance rate. Minimum payments are required, and you must apply by 30 April 2019 to be considered eligible.

Woolworths Group Discounts

As a cardholder, you can benefit from a number of discounts on offer within the Woolworths Group. If you’re thinking about taking out insurance, you could benefit from 10% off Woolworths Insurance, including Home, Car, Landlords, Pet and Travel Insurance. The offer excludes Life and Funeral Insurance.

Or, if you’re looking to re-stock the wine cellar, you could take advantage of 50% off selected wine cases at Cellarmasters. Note, this offer is only valid when you use your card to pay at the online checkout – and delivery charges apply.

This Card: The Essentials

Making an informed decision means taking into account not just the fancy features on offer, but how much it will cost you to enjoy them. In terms of annual fees, the Woolworths Qantas Platinum Credit Card has a reduced annual fee of $99 for the first year, increasing to $169 for each year after that. If you want to add additional cardholders to the account, that will cost $29 per card.

Both the purchase rate and cash advance rate on this card are relatively high, but that’s not out of the ordinary for platinum rewards cards. To avoid interest charges and make the most of the rewards and features on offer, be sure to clear your balance each statement period. If you tend to carry a balance month-to-month, a low rate card may be a better choice.

If you want to take advantage of the card’s balance transfer offer, know that it’s best to pay off the transferred balance before the introductory period ends. If you leave any part of that transferred balance unpaid, it will start to accrue interest at the higher cash advance rate, which will start to hurt pretty quickly.

Decision Time

If you are a Woolies shopper, the Woolworths Qantas Platinum Credit Card has seriously a lot to offer, especially when you take into account its affordable annual fee. You can earn Qantas Points on your everyday shop, maximising your points-earning potential with Qantas purchases, and by converting Woolworths Rewards into Qantas Points, while enjoying some very appealing extras.

Pros

  • Earn 1 Qantas Point per $1 spent at Woolworths, BIG W, Caltex Woolworths co-branded fuel outlets, BWS, Dan Murphy's and Cellarmasters and 0.5 Qantas Points per $1 spent on all other eligible purchases
  • Free extra card holder to maximise points pick-up
  • No points capping

Cons

  • After first year the annual fee is $169 p.a.
  • Balance transfer rate reverts to the cash advance rate

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 $50,000 p.a.

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

Customer reviews

20%

CreditCard.com.au Visitor

10 August 2018

I applied for this card for the purpose of accumulating frequent flyer points. You get no points for BPay, you can't use credit for Post Billpay payments. Despite spending thousands on purchases, my accumulated frequent flyer points don't even equate to the cost of the annual fee. I will not be renewing the card. Very disappointed.

Does not recommend this card
0%

CreditCard.com.au Visitor

8 May 2015

We have had this credit card for last two years and have had nothing but trouble with the changeover to the new card, whereas previously very happy with it. The changeover was only to get Woolworths a better deal I suspect, not the customer. You can only speak with overseas call centres which adds to the frustration. You cannot actually speak with anyone in Australia. They have changed the points system as well, it is $1 per point up to $2500 on statement. then only 0.5point per $1 after. With the increase in annual fee, I dont think this card is worth it.

Does not recommend this card
75%

CreditCard.com.au Visitor

28 January 2013

The initial credit limit is low. I was continuously hitting the limit so after waiting the minimum time (6 months) I applied for an increase. The increase was denied, they would not give the reason why, they just said to apply again in another 6 months. I pay the amount off in full every month, I suspect they don't really want customers that do that?? I know my wage would qualify me for a limit far in excess of the current one. cheers Tony

Recommends this card
71%

CreditCard.com.au Visitor

28 January 2013

It took me ages to pick a flyer card, but I think this is a good deal. No American Express! We\'re now doing all the shopping & rent on this, got to be at least a couple of flights a year

Recommends this card
63%

CreditCard.com.au Visitor

28 January 2013

I shop all the time in Woolies so this was the best choice for me. I can earn points on my weekly shop and get rewards I want. The annual fee doesn’t break the bank but the purchase rate is a bit high. Not bad if you want to do balance transfers though.

Recommends this card
75%

Nicole Daye

28 January 2013

Good earning - 1 point for $1 spent everywhere. You dont need to just shop in Woolies but shopping there does get you extras. For a rewards card the annual fee is low as well. If trying to save points they dont expire and you dont get capped - awesome.

Recommends this card
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 Question

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

63 questions (showing the latest 10 Q&As)

Mark

Mark

10 February 2019
Hi, Just wondering whether you can set automatic payment of your monthly statement?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 February 2019
    Hi Mark, yes you should be able to arrange this. Give Woolworths credit card customer service a call.
Sandra Treloar

Sandra Treloar

2 December 2018
Hello, I found one of your credit cards belonging to Melanie Draper I would like to return it rather than make her go through the proceeds of cancelling etc Sandra
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 December 2018
    Hi Sandra, that is nice of you. I am not sure that it is possible though as Woolworths would likely want to cancel the credit card. You can give Woolworths credit card customer service a call if you like on 1300 10 1234. Though I feel that they will just say to cut up the card. Hope you had a nice weekend.
Stuart Summers

Stuart Summers

11 August 2018
Hi Roland, Until very recently I had a Woolworths Qantas Frequent flyer card but my bank made me cancel as a pre-requisite for an investment property loan. Now that's all settled I'm keen to either get this or a different one set up again, as I've always been very disciplined at paying the balance off in full every fortnight. However despite doing 95% of my shopping at Woolies, I'm just reading up on the updated pro's of this card now, and wondering if there are better options out there? Of course I like things like the 10% off a shop once a month, and this card did help contribute to me saving $2000 off flights to the UK, but the annual fee, and 0.5 points to $1 spent on most transactions is putting me off. Would love to hear your thoughts. And incidentally I have no particular allegiance to Qantas, so happy to consider Velocity, although of course that rules any link to my main supermarket. Thanks, Stuart
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 August 2018
    Hi Stuart, this Woolworths Qantas Platinum credit card has certainly seen a reduction in points earning over time. In the end the right card for you will depend on how much you spend each month and what rewards/features you are after. If you like to travel, then the ANZ Rewards Travel Adventure credit card has some great features. You get a return domestic flight a year which more than covers the annual fee. It has a range of insurance available. It has no foreign fees on overseas purchases. Flexibility with the ANZ rewards points program. Something like the AMEX Qantas Discovery may suit as well. You can shop at supermarkets with AMEX and pay no extra fees. It has 1 point per $1 spent earn rate as well. It may be an idea to get a no annual fee AMEX card then also a Visa or Mastercard that you can use in other places.

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