Woolworths credit cards

Compare interest, fees, reward points earn rates, welcome bonuses, and benefits for Wollworths credit cards. Get informed before applying.

By   |   Verified by David Boyd   |   Updated 19 Dec 2023

As seen on

Media - The Sydney Morning Herald
Media - Yahoo Finance
Media - News.com.au
Media - Daily Mail Australia
Media - Australian Fintech
Media - Dynamic Business

Comparing Woolworths credit cards

Woolworths Everyday Platinum Credit Card

Woolworths Everyday Platinum Credit Card

Balance transfer

14 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • 0% p.a. for 14 months on balance transfers with a 0% balance transfer fee. Reverts to 19.99% p.a.
  • No annual fee for the first year ($49 thereafter).
  • Earn up to 3 Credit Card points per $1 spent on eligible purchases.

Pros

  • 0% p.a. for 14 months on balance transfers with a 0% balance transfer fee.
  • No annual fee for the first year.
  • Points are automatically converted to Woolworths Shopping Cards.

Cons

  • The balance transfer revert rate is 19.99%
Woolworths Qantas Platinum Credit Card

Woolworths Qantas Platinum Credit Card

Balance transfer

14 months at 0% p.a.

Purchase rate

20.49% p.a. ongoing

Annual fee

$99.00 for 1st year

Highlights

  • 0% p.a. for 14 months on balance transfers with 0% balance transfer fee. Reverts to 19.99% p.a.
  • $99 p.a annual fee for the first year ($169 p.a. thereafter)
  • Get 10% off your grocery shop once a month saving you up to $50 every month. Terms and Conditions apply.

Pros

  • 0% p.a. for 14 months on balance transfers with a 0% balance transfer fee.
  • The discounted annual fee for the first year.
  • Earn 1 Qantas Point for $1 spent at Woolworths and Woolworths Group Stores.
  • Earn 0.5 Qantas Points for every $1 spent on all other eligible purchases.

Cons

  • After the initial year, the annual fee increases to $169 p.a.
  • The balance transfer revert rate is 20.49%

More about Woolworths credit cards

Find out more about Woolworths Everyday Rewards and how to get more from your membership.

  • FAQs

Why should I choose a credit card from Woolworths?

Woolworths market themselves as being the 'Fresh Food People’ and now with the introduction of the Woolworths Everyday Money Credit Card they are the fresh financial services people. Woolworths are the first in Australia to offer a supermarket rewards credit card that ties in with the Woolworths loyalty program. Shoppers who do the weekly grocery shop at Woolworths supermarket and drink from Safeway Liquor stores are rewarded with 5% cashback for 3 months. The Everyday Money credit card also offers rewards everywhere the card holder shops in the form of rewards points. With enough points, every 4 months Woolworths card holders will receive an Everyday Money shopping card loaded with their dollar value.

Can I use a Woolworths credit card to shop elsewhere?

Yes. You can use it to pay for things in stores and online where credit cards are accepted. Even at Coles. This is not a store card.

Do they have internet banking?

Yes. You can view recent purchases, check your balance, send a payment, etc. online via their website.

Do they have telephone banking?

Yes. You can call their number to perform basic tasks (balance check, payments, etc.) and speak to an assistant if you have more pressing needs.

What types of cards does Woolworths offer?

Woolworths credit cards are designed for customers of Woolworths and Safeway supermarkets to earn points and rewards while they shop. Points are also earned on other purchases, and the cards also have the standard features such as balance transfers and cash advances.

The Woolworths Everyday Money credit card is linked with the Woolworths Everyday Rewards program. You earn points every time you make a purchase, earning double points when shopping at Woolworths group stores and triple points for buying Woolworths Select products. Every four months, if you earn enough points, you receive a shopping card to spend at Woolworths group stores.

The Woolworths Qantas credit card rewards you for most purchases with Qantas Frequent Flyer points, and it’s also an Everyday Rewards card, so you earn extra points when you make purchases at Woolworths group stores. Qantas points accumulate on most purchases and can be redeemed for a wide range of rewards including flights to over 700 international destinations with Qantas, Jetstar or 25 other international airlines. Points can also be exchanged for retail products available form the online Qantas Frequent Flyer Store. There is no points cap and points don’t expire as long as your Qantas Frequent Flyer account is active and you maintain repayments on you credit card.

What is the Everyday Rewards program?

Everyday Rewards is Woolworths’ loyalty scheme that allows customers to store, track and redeem savings earned by shopping at Woolworths group stores, as well as get discounts and special offers. Members can also earn Qantas Frequent Flyer points by linking their Everyday Rewards and Qantas Frequent Flyer memberships.

How do I earn Qantas Frequent Flyer points with Woolworths?

For every $1 you spend on eligible purchases using your card, you earn 1 Qantas Frequent Flyer point. When you shop at Woolworths Group stores, you earn 1 Qantas Frequent Flyer point for every $1 over $30 spent in one transaction at Woolworths Supermarkets and BWS (excluding Tasmania) and BIG W (so, for example, if you spend $200, you earn 170 points). You also earn 1 Qantas Frequent Flyer point per $1 over $50 spent in one transaction at Dick Smith stores (so if you spend $200, you earn 150 points, for example).

What can Qantas Frequent Flyer points be redeemed for?

You can use your points to book flights to over 700 destinations with 27 airlines. You can find more inspiration how to spend your points here and here. Alternatively, you can visit Qantas Frequent Flyer Store online and choose from hundreds of products, vouchers and experiences.