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01 Aug 2019

Using your credit card overseas

Heading on an overseas trip? You’re not alone - over 11 million Aussies returned from an overseas trip last year*

Whether you're looking for a card to use regularly or prefer to keep it just for emergencies, you can use your Woolworths Everyday Platinum Credit Card anywhere VISA is accepted in Australia and overseas. That's up to 35 million merchants and over 2 million ATMS, worldwide. Plus, you'll earn 1 Woolworths Credit Card point for every $1 you spend with your Woolworths Everyday Platinum Card while you're overseas7.

Here are some things to consider when using your Woolworths Everyday Platinum Credit Card overseas.

Before using your Woolworths Everyday Platinum Credit Card overseas

It's a good idea to let us know before you’re heading overseas, so we don’t classify your overseas transactions as suspicious, which may result in your card being temporarily blocked for your protection. To let us know you’ll be using your credit card overseas, call us on 1300 10 1234 (Option 2).

Before you start on your overseas adventure, you should understand currency conversion and how using your Woolworths Credit Card overseas works. When making purchases in a foreign currency with your Woolworths Everyday Platinum Credit Card, the amount will be converted to Australian dollars when it’s debited from your credit card account.

Are there any fees for using my Woolworths Everyday Platinum Credit Card to make purchases overseas?

Overseas transactions made with your Woolworths Everyday Platinum Credit Card will incur an international transaction fee of 3% of your purchase. Your transaction is converted to Australian dollars before the 3% fee is charged. 

For example: if you’re on holiday in America and you pay for your lunch bill totaling $100 US dollars, this amount will be converted to Australian dollars fixed rate applicable on the date that the purchase is debited from your account. The transaction fee will be applied to that amount.

 

If the US to Australian exchange rate is $1 USD = $1.445 AUD, your $100 USD lunch will be debited from your account at the amount of $144.5 AUD. Your international transaction fee will be $4.34 AUD.

Learn more about foreign currency conversion

ATM fees overseas

If you're going to be using your Woolworths Everyday Platinum Credit Card to make cash withdrawals at ATMs overseas, be mindful that ATM providers may charge a withdrawal fee in addition to processing fees charged by us#. The amount of this fee can vary depending on the ATM provider. 

For some extra assurance that you're not spending too much, you can keep track of your Woolworths Everyday Platinum Credit Card account 24/7 using the Woolworths Money App.

Learn more about overseas ATM fees

Get rewarded while you spend on your overseas trip

The perks of spending with your credit card are the points you can earn.

You'll continue to earn 1 Woolworths Credit Card point for every $1 you spend on eligible purchases with your Woolworths Everyday Platinum Credit Card while you're overseas.7

When you’re travelling, the last thing you want is to worry about a medical emergency or losing your luggage. As a Woolworths Credit Card customer, you will get up to 10% off Woolworths Comprehensive Travel Insurance^

  • In addition, travel overseas with peace of mind knowing your card gives you complimentary insurance including:

    Purchase security.13
    If an eligible item purchased with your Woolworths Everyday Platinum Credit Card is stolen or damaged within 90 days of purchase, you can get it repaired or credited to your Woolworths Everyday Platinum Credit Card account with an amount not exceeding the purchase price (up to $2,500 per event).

    Wallet Guard.13
    If your wallet or handbag is stolen, you could get up to $500 back to replace any personal items, cash, valuable documents and your wallet or handbag.



To help with your trip planning, take advantage of the Platinum extras attached to your Woolworths Everyday Platinum Credit Card.

  • Visa Luxury Hotel Collection Access.4
    Book at a Visa Luxury Hotel and receive great room rates, automatic room upgrades, late checkout, complimentary breakfast and more. See visaluxuryhotels.com for terms and conditions.

  • 24/7 Platinum concierge.12
    Have your own personal assistant to arrange your holiday with the complimentary Visa Platinum Concierge Service. Call 1800 639 607 in Australia and quote your Woolworths Everyday Platinum Credit Card number.

What to do if you've lost your Woolworths Everyday Platinum Credit Card overseas

Losing your credit card at anytime can be stressful. To help avoid any fraudulent transactions taking place, the first thing you should do is let us know, so we can cancel your card. You can also log into your online account to temporarily block your card.

You can add your Woolworths Everyday Platinum Credit Card to your Apple Wallet before going overseas so, if you lose your card, it can be instantly replaced to your mobile wallet.

Find out more about Apple Pay

To let us know your credit card has been lost or stolen, call us on +61 2 8276 0144.

If you suspect there has already been unauthorised transactions on your account, let us know so we can investigate.

You can also lock your credit card instantly using the Woolworths Money App

Wherever you're heading overseas, have fun and be safe.

Find out more about overseas transactions with your Woolworths Everyday Platinum Credit Card

 

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https://www.abs.gov.au/ausstats/abs@.nsf/products/961B6B53B87C130ACA2574030010BD05

 For full terms and conditions for the Visa Luxury Hotels Collections visit Visa luxury hotel benefits. Visa is responsible for all representations made regarding the offer and services.

12 Available to Woolworths Platinum Credit Card holders only.

Points are subject to the Woolworths Shopping Card Rewards Program Terms and Conditions. 3 points earned for every $1 spent on Woolworths brand range of products purchased in-store at Woolworths Supermarkets. 2 points earned for every $1 spent on products purchased at Woolworths Supermarkets, BIG W, BWS, Dan Murphys and Cellarmasters. 1 point earned for every $1 spent on other eligible purchases. Points are not earned on cash advances, balance transfers or other restricted transactions detailed in the Woolworths Shopping Card Rewards Program Terms and Conditions. Every 4 months, points are automatically converted to a Woolworths Shopping Card redeemable at participating Woolworths Group stores. Participating stores may change from time to time. The Shopping Card is currently not accepted at DVD vending machines and mobile EFTPOS terminals. Minimum of 4,000 points is required to receive a $20 Shopping Card.

An up to 10% discount will be applied to any new Woolworths Car, Home, Pet or Comprehensive Travel Insurance policy, paid using your valid Woolworths Credit Card, quote the first six digits of your credit card number in the promo code field. Go to woolworths.com.au/insurance. It will not be applied to current policies. Woolworths Life Insurance is excluded from this offer. This Discount Offer is for the life of the policy while paying with your valid Woolworths Credit Card and will be extended on renewal. Woolworths Insurance reserves the right to discontinue or amend this Discount Offer for new policies in the future. Not in conjunction with any other offers. All other promotional and policy discounts are treated separately and combinations of discounts may not be applicable. Minimum premiums may reduce this Discount Offer. Woolworths Insurance is responsible for all representations made regarding the offer and services.
Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy. Woolworths Car, Home, Pet and Travel Insurances are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL No. 241436 (Hollard). Woolworths Group Limited ABN 88 000 014 675 AR No. 245476 (Woolworths) acts as Hollard’s Authorised Representative. Any advice provided is general only and may not be right for you. Before you purchase this product you should carefully read the Combined Product Disclosure Statement and Financial Services Guide to decide if it is right for you (available at woolworths insurance or by calling 1300 10 1234). Woolworths Insurance is responsible for all representations made regarding the offer and services.

13 Wallet Guard Insurance and Purchase Security Insurance are underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. 239687) (Chubb) and are subject to the terms, conditions and exclusions contained in the Woolworths Money Everyday Platinum Credit Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542 AFSL No. 237502) (MBL) and Chubb. Limits, exclusions and excesses apply. This website doesn't take into account your objectives, financial situations or needs. It is important for you to read Woolworths Everyday Platinum Credit Card Insurance Terms and Conditions and consider the appropriateness of that insurance in relation to your individual requirements.

# When using your credit card to withdraw cash from an overseas ATM you’ll incur the following charges: 1) The international transaction fee of 3% of the Australian dollar value of the international cash advance; 2) A cash advance fee of $5 or 3% of the value of the transaction (whichever is greater), and 3) The cash advance interest rate from the date of the cash withdrawal. Some overseas ATM providers might also charge you a processing fee. Just like in Australia, the amount of this fee varies depending on the provider. This fee may be charged in the foreign currency.