Which Woolworths Credit Card is right for you?

Woolworths Credit Cards are packed with benefits and extras to reward you for your everyday shopping. Compare our cards and decide which credit card will benefit you and your lifestyle the most.
 

Everyday Platinum Credit Card

Everyday Platinum Credit Card

Enjoy hundreds of dollars worth of discounts and benefits with the Woolworths Everyday Platinum Credit Card.


Key features & benefits

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$0 annual fee for the first year then $49 p.a.8 Apply by 30 September 2018

tick Get 10% off your first shop in store or online at Woolworths on selected dates each month5
tick 0% p.a. for 14 months on balance transfers from card approval10
Apply by 30 September 2018. Reverts to the variable cash advance rate
tick Earn up to 3 points per $1 spent on eligible purchases.
4000 points = $20 Woolworths Shopping Card9
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Complimentary purchase security insurance and Wallet Guard16

Qantas Platinum Credit Card

Qantas Credit Card

As well as earning Qantas Points12 you'll benefit from all the extra Woolworths Rewards and savings.


Key features & benefits

tick $99 annual fee for the first year14, after which a primary cardholder annual fee of $169 will apply
  Get 10% off your first shop in store or online at Woolworths on selected dates each month5
tick 0% p.a. for 14 months on balance transfers from card approval22
Apply by 30 September 2018. Reverts to the variable cash advance rate
tick Earn 1 Qantas Point per $1 spent at Woolworths, BIG W, Caltex Woolworths co-branded fuel outlets, BWS, Dan Murphy's and Cellarmasters12
tick Earn 0.5 Qantas Points per $1 spent on all other eligible purchases12
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Complimentary Insurance13 including Travel Insurance

Rates and fees

 

 

Everyday Platinum Card

Qantas Platinum Card

Purchase Interest Rate

19.99% p.a. 20.49% p.a.

Cash Advance Interest Rate

21.99% p.a. 21.99% p.a.
Minimum Payment Due 2.5% of the closing balance or $50,
whichever is greater
2.5% of the closing balance or $50,
whichever is greater

Compare fees

 

Everyday Platinum Card

Qantas Platinum Card

Annual Primary Cardholder Fee First Year8 $0 $99
Annual Primary Cardholder Fee Subsequent Years $49 $169
Additional Cardholder Fee $9 $29
Interest Free Period Up to 55 days interest free on purchases only if your account is paid in full by the due date shown each month (including any balance transfers but excluding Interest Free Finance Balances in the promotional period) Up to 55 days interest free on purchases only if your account is paid in full by the due date shown each month (including any balance transfers but excluding Interest Free Finance Balances in the promotional period)
Late Payment Fee $35 per statement period if all amounts due are not paid by the payment due date $35 per statement period if all amounts due are not paid by the payment due date
Over Limit Fee $30 per statement period if the balance of your account exceeds your credit limit at any time during a  statement period and you have provided your consent to incur a fee related to this service $30 per statement period if the balance of your account exceeds your credit limit at any time during a  statement period and you have provided your consent to incur a fee related to this service
Paper Statement Fee $2.50 per month for statements delivered to you by post $2.50 per month for statements delivered to you by post
Dishonour Fee $10 each time a payment to your account is dishonoured, debited to your account at the time of dishonour $10 each time a payment to your account is dishonoured, debited to your account at the time of dishonour
Cash Advance Fee $5 or 3% of the value of the transaction, whichever is the greater, applies to each cash advance made on your account, debited to your account at the time of the cash advance. $5 or 3% of the value of the transaction, whichever is the greater, applies to each cash advance made on your account, debited to your account at the time of the cash advance.
Voucher Request Fee $8 per requested sales receipt provided by a third party, debited to your account at the time of the request (refunded if a dispute is resolved in your favour) $8 per requested sales receipt provided by a third party, debited to your account at the time of the request (refunded if a dispute is resolved in your favour)
International Transaction Fee 3% of the value of the transaction applies to each International Transaction, debited to your Account at the time the International Transaction is debited to your account. 3% of the value of the transaction applies to each International Transaction, debited to your Account at the time the International Transaction is debited to your account.
Over the Counter Transaction Fee $0 (available in Woolworths stores) $0 (available in Woolworths stores)
Card Replacement Fee $0 $0
Information Request Fee $7 for each document of written information provided which includes each duplicate statement provided. $7 for each document of written information provided which includes each duplicate statement provided.


Woolworths Credit Card extras

Save 10% on a monthly shop

Save 10% off your shop once a month on selected dates5

We'll give you 10% off your in store or online shop at Woolworths on selected dates. Saving you up to $50 each month. Pay with your Woolworths Credit Card and scan the barcode on the back. (Excludes Tasmania stores. Maximum purchase amount of $500)

 

50% off Cellarmasters wine cases

50% off selected Cellarmasters wine cases4

Delivered straight to your door, on selected wines only.

Up to 10% off Woolworths Insurance

Up to 10% off Woolworths Insurance1

Up to 10% off1 Woolworths Insurance, including Home, Car, Landlords, Pet and Travel Insurance. Offer excludes Life and Funeral Insurance.2

 

Need some help?

If you have a question or need some more infomation there are lots of ways to get in touch with us, or you can read our FAQs.



Terms & Conditions

1. An up to 10% discount will be applied to any new Woolworths Car, Home, Pet or 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.


2. 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.


3. This disclaimer has been removed.


4. This offer is only valid when you pay for the purchase at the online checkout with your Woolworths Credit Card. Delivery charges apply. Visit Cellarmasters delivery for full details. Cellarmasters is operated by Cellarmasters Wines Pty Limited, corner Barossa Valley Way and Siegersdorf Rd, Tanunda, 5352, ABN 95 076 727 949, SA Liquor Licence No. 51205679. Offer cannot be used in conjunction with any other offer or promotion. Cellarmasters reserves the right to cancel or amend this promotion at any time. You must be 18 years or older to purchase from this offer. Cellarmasters is responsible for all representations made regarding the offer and services.


5. 10% discount offer applies to existing Woolworths Credit Card holders who make a purchase (i) at any Woolworths supermarket between 12:01am (AEST) of the selected Saturday and 11:59pm (AEST) of the selected Sunday for that month; or (ii) online at woolworths.com.au between 12:01am (AEST) of the selected Friday and 11:59pm (AEST) of the selected Sunday for that month (“the Offer Period”). Primary Cardholders will be notified via email prior to commencement of the Offer Period. Cardholders must not be in breach of the credit card Conditions of Use to be eligible for this offer. Offer is limited to one transaction per customer, up to a value of $500 in a single transaction. To receive the 10% discount in store, cardholders must scan the barcode on the back of the credit card and pay for their purchase with their Woolworths Credit Card during the Offer Period. To receive the 10% discount online, cardholders must place an order online during the Offer Period, enter their Woolworths Rewards number at the online checkout at woolworths.com.au, pay with their Woolworths Credit Card and spend $30 or more for Pick up orders or $50 or more for Home Delivery orders. This offer excludes purchases of liquor, smoking/tobacco products, newspapers, any vouchers, Woolworths Services, delivery charges and Delivery Saver items, gift cards, egift cards, mobile recharge, travel cards and tickets. This offer is not available in Tasmania. Woolworths reserves the right to cancel or amend this offer at any time without notice. Woolworths is responsible for all representations made regarding this offer. For online orders see woolworths.com.au for available delivery areas and full terms and conditions.


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7. 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.


8. After the first year, the annual Primary Cardholder fee will be $49 and a $9 annual fee for each Additional Card. The $0 annual fee offer expires 30 September 2018.


9. Points are subject to the Woolworths Shopping Card Rewards Program Terms and Conditions. 3 points earned for every $1 spent on Woolworths Select and 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, CALTEX WOOLWORTHS co-branded fuel outlets, 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, mobile EFTPOS terminals and some CALTEX WOOLWORTHS co-branded fuel outlets. Minimum of 4,000 points is required to receive a $20 Shopping Card.


10. The 0% p.a. interest rate applies only to balances transferred with this offer for the first fourteen months from the date your account is approved and then reverts to the standard variable interest rate for cash advances, which is currently 21.99% p.a. Interest rates are subject to change and Card Services credit criteria. Minimum repayments are required. For further details please click here.


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12. Qantas Points are earned in accordance with and subject to the Woolworths Qantas Rewards Program Terms and Conditions. You will earn 1 Qantas Point per $1 spent on 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. Qantas Points do not have any monetary value and are not transferable or redeemable for cash. Qantas Points are issued by Qantas Airways Limited. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program terms and conditions. Further information on the Qantas Frequent Flyer program including the program terms and conditions are available at qantas.com/terms or by calling 13 11 31.Qantas Points are not earned on cash advances, balance transfers or other restricted transactions detailed in the Woolworths Qantas Rewards Program Terms and Conditions.


13. Overseas Travel Insurance, Interstate Flight Inconvenience Insurance, Transport Accident Insurance, Purchase Security Insurance, Extended Warranty Insurance, Wallet Guard Insurance and Global Hire Car Excess Waiver are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the Woolworths Qantas Platinum Credit Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542 AFSL No. 237502) (MBL) and ACE. This website doesn’t take into account your objectives, financial situation or needs. It is important for you to read Woolworths Qantas Platinum Credit Card Insurance Terms and Conditions and consider the appropriateness of that insurance in relation to your individual requirements.


14. A $29 annual fee applies for each additional card. Annual fees are subject to change.


15. Available to Woolworths Platinum Credit Card holders only.


16. Wallet Guard Insurance and Purchase Security Insurance are underwritten by ACE Insurance Limited (ABN 23 001 642 020, AFSL No. 239687) (ACE) and are subject to the terms, conditions and exclusions contained in the Woolworths Everyday Platinum Credit Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542 AFSL No. 237502) (MBL) and ACE. A limitation applies of $2,500 per event. 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 Insurances Terms and Conditions and consider the appropriateness of that insurance in relation to your individual requirements.


17. Woolworths Rewards is not available in Tasmania. No points will be earned on smoking products, gift cards, mobile recharge, Woolworths Mobile, travel cards and tickets, delivery charges, internet cafes, Carpet Care, lottery products, Woolworths Flowers and purchases using Caltex Starcard. It is against the law to sell or supply alcohol to, or obtain alcohol for, anyone under 18. Excludes Caltex Woolworths fuel outlets with a Star Mart or Star Shop. Eligible Shop means a transaction in which you spend at least $10 (excluding any money spent on  smoking products, gift cards, mobile recharge, Woolworths Mobile, travel cards and tickets, delivery charges, internet cafes, Carpet Care, Woolworths Flowers and lottery products) in Woolworths supermarkets, Woolworths Online or BWS (in all cases excluding Tasmania).


18. This disclaimer has been removed.


19. Applicable only if your account is paid in full by the due date shown each month (including any balance transfers but excluding any Interest Free Finance purchases that are in the specified promotional period).


20. Visa’s Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult your issuer for additional details.


21. You will earn an additional Qantas Point per dollar spent on selected Qantas products and services in Australia, which are Qantas passenger flights (with a QF flight number) purchased directly from Qantas (i.e. where Qantas, and not its’ agent, is identified as the merchant on the credit card transaction) and Qantas Club and Qantas Frequent Flyer joining and annual fees. Purchases at Qantas Freight, Qantas Holidays, Qantas Business Travel, Jetset Travelworld channels, Qantas Staff Travel, the Jetstar Group of companies or goods or services supplied by Qantas Frequent Flyer Program partners are not eligible Qantas products and services and will not earn bonus Qantas Points. The bonus Qantas Points earned each month will be credited to your Qantas Frequent Flyer account within five business days of each Statement Period provided that you are not in breach of the Conditions of Use, your Account remains open and you have provided Card Services with a valid Qantas Frequent Flyer membership number.


22. The 0% p.a. interest rate applies only to balances transferred with this offer for the first fourteen months from the date your account is approved and then reverts to the standard variable interest rate for cash advances, which is currently 21.99% p.a. Interest rates are subject to change and Card Services credit criteria. Minimum repayments are required. For further details please click here.