Woolworths Everyday Platinum Credit Card

Features

  • $0 ANNUAL FEE FOR THE FIRST YEAR8 Saving you $49. Apply by 31 January 2017
  • 0% P.A ON BALANCE TRANSFERS FOR 14 MONTHS from card approval10 Apply by 31 January 2017 (reverts to the variable cash advance rate)
  • GET A $50 WOOLWORTHS eGIFT CARD^ when you apply by 31 January 2017 and make an eligible purchase by 28 February 2017
  • UP TO 55 DAYS INTEREST FREE ON ELIGIBLE PURCHASES19 When you pay your total outstanding closing balance (excluding Interest Free Finance Balances in the promotional period) in full by the due date each month.
  • RELAX WITH CHIP SECURITY The microchip in your card provides enhanced security so you’re better protected against unauthorised use of your card.
  • VISA ZERO LIABILITY POLICY20 You won’t be held responsible for fraudulent charges or unauthorised purchases made with your card or account information.
  • WAVE AND GO For transactions under $100, just wave your Visa payWave-enabled card in front of a Visa payWave reader and go – there’s no need for a PIN.

Benefits

  • Get cash back in the form of Woolworths Money Shopping Cards. For every $1 you spend on eligible purchases you could earn up to 3 points. Every 4 months with enough points, points are converted to a Shopping Card that you can use across participating Woolworths group stores.9
  • You can enjoy hundreds of dollars worth of discounts
  • Visa Luxury Hotels collection access benefits including free Internet, continental breakfast for 2 daily and room upgrades when available7

Rates, Fees and Docs

Purchase Interest Rate 19.99% p.a.
Cash Advance Interest Rate 21.99% p.a.
Minimum Payment Due 2.5% of the closing balance or $50, whichever is greater
   
Annual Primary Cardholder Fee First Year8 $0
Annual Primary Cardholder Fee Subsequent Years $49
Additional Cardholder Fee $9
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)
Late Payment Fee $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
Paper Statement Fee $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
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.
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)
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.
Over the Counter Transaction Fee $0 (available in WoW store)
Card Replacement Fee $0
Information Request Fee $7 for each document of written information provided which includes each duplicate statement provided.

Woolworths Everyday Platinum Credit Card - How it works

Simply use your card for all your everyday shopping, not just at Woolworths Stores but everywhere Visa is accepted and your Credit Card points soon start to add up. Here’s how to earn even more Credit Card points:

EARN 3 CREDIT CARD POINTS

EARN 3 CREDIT CARD POINTS

For every $1 spent9 on all purchases of Woolworths Select and Woolworths brand range of products.

EARN 2 CREDIT CARD POINTS

EARN 2 CREDIT CARD POINTS

For every $1 spent9 on purchases at Woolworths Supermarkets, Thomas Dux, Dan Murphy’s, Cellarmasters, EziBuy, BWS, BIG W, Masters and Caltex Woolworths.

EARN 1 CREDIT CARD POINT

EARN 1 CREDIT CARD POINT

For every $1 spent on eligible purchases9 everywhere Visa is accepted – that’s more than 32 million locations worldwide!

Wish Gift Card

EARN CASH BACK IN THE FORM OF WOOLWORTHS SHOPPING CARDS UP TO THREE TIMES A YEAR.

Love earning rewards? Well, every time you use your card on eligible purchases you’ll earn Credit Card points towards a Woolworths Money Shopping Card to redeem in-store at Woolworths supermarkets, BIG W, BWS, Dan Murphys, Masters Home Improvement, Thomas Dux, participating CALTEX WOOLWORTHS fuel outlets, and online at Cellarmasters. We’ll send this Shopping Card to you every 4 months if you have enough Credit Card points. The more Credit Card points you earn, the more dollars in the form of a Shopping Card you’ll have to spend. And the great thing is there’s no limit to the number of Credit Card points you can earn!9

Woolworths Rewards

ONE CARD, TWO GREAT LOYALTY PROGRAMS

Your credit card doubles as your Woolworths Rewards card. That means you have two great ways to get money off your Woolworths shop, all with the convenience of one card.

Woolworths Rewards

SCAN

Scan the Woolworths Rewards barcode on the back of your credit card when you shop to earn Woolworths points*.
You'll earn 1 Woolworths point for every dollar* you spend in store and online at Woolworths supermarkets, BWSand Caltex Woolworths fuel outlets# Once your Woolworths points hit 2000 you'll automatically get $10 off your next eligible shop~.  Plus you now have the option to bank your savings for Christmas or convert your savings to Qantas Points.

Woolworths Rewards

PAY

As always, pay with your Woolworths Credit Card to continue to earn Credit Card points towards cashback as Woolworths Shopping Cards everywhere Visa is accepted.  We'll continue to send your Shopping Cards to you every 4 months when you have enough Credit Card Points.

Extras

CELLARMASTERS

CELLARMASTERS

50% off selected wine cases at Cellarmasters4

WOOLWORTHS INSURANCE

WOOLWORTHS INSURANCE

Up to 10% off1 Woolworths Insurance (excludes life insurance)2

SAVE 10% ON A MONTHLY SHOP

SAVE 10% ON A MONTHLY SHOP5

We'll give you 10% off your first in-store shop at Woolworths on a selected weekend each month when you scan the barcode on the back of your credit card and pay with your Woolworths Credit Card. (Excludes Tasmania stores. Maximum purchase amount of $500)

VISA ENTERTAINMENT BENEFITS

VISA ENTERTAINMENT BENEFITS

Exclusive offers across a range of entertainment experiences

VISA LUXURY HOTEL COLLECTION ACCESS BENEFITS

VISA LUXURY HOTEL COLLECTION ACCESS BENEFITS

Free internet, continental breakfast for 2 daily and room upgrades when available, plus more7

Platinum Extras

If your approved credit limit is less than $6,000, you will not be eligible for a Woolworths Money Everyday Platinum Card and will instead be issued with a Woolworths Money Everyday Card, which does not entitle you to Platinum benefits.

VISA LUXURY HOTEL COLLECTION ACCESS

VISA LUXURY HOTEL COLLECTION ACCESS

With every booking at a Visa Luxury Hotel7, Woolworths Platinum cardholders will receive automatic room upgrade and late check-out (when available), complimentary continental breakfast and free in-room Internet daily, late check-out and a $25 food and beverage voucher

COMPLIMENTARY PURCHASE SECURITY INSURANCE AND WALLET GUARD

COMPLIMENTARY PURCHASE SECURITY INSURANCE AND WALLET GUARD

Your Woolworths Money Everyday Platinum Credit Card comes with complimentary Purchase security insurance and Wallet Guard16

24/7 CONCIERGE SERVICE

24/7 CONCIERGE SERVICE

Need tickets to a show in Sydney? They’ll be waiting for you at the door. How about a new restaurant just down the road? We know the perfect one. All it takes is a phone call or a click of the mouse, anytime anywhere in the world15

Card Services is a division of Macquarie Bank Limited (ABN 46 008 583 542, Australian Credit Licence 237502) which provides and administers credit and is the issuer of the Woolworths Money Credit Cards. Approval is subject to credit criteria. Terms, conditions, fees, charges and interest rates apply and are subject to change. No member of the Macquarie Group accepts any liability for reliance on the information contained in this communication other than in relation to products or services provided by Macquarie.

More details

^$50 Woolworths eGift Card offer is available to new primary cardholders only who apply for a Woolworths Money Everyday Platinum Credit Card between 12:01am AEDT 30 September 2016 and 11:59pm AEDT 31 January 2017, are approved and make an eligible purchase on their Woolworths Money Everyday Platinum Credit Card by 11:59pm AEDT 28 February 2017. Your $50 Woolworths eGift Card will be sent to the email address provided at the time of applying for a Woolworths Money Everyday Platinum Credit Card and sent within 8 weeks of the eligible purchase, provided that you are not in breach of your credit card Conditions of Use and your credit card account remains open. Eligible purchases exclude balance transfers, cash advances, cash substitutes and transactions for gambling purposes.​


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 Money 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 Money 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 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. 40,000 Qantas Points offer is available to new primary cardholders who apply for a Woolworths Money Qantas Platinum Credit Card between 12:01am AEST 3 November 2016 and 11:59pm AEDT 31 January 2017, are approved and make an eligible purchase on their Woolworths Money Qantas Platinum Credit Card by 11:59pm AEDT 28 February 2017. The 40,000 Qantas Points will be allocated to your Qantas Frequent Flyer Account within 8 weeks of the eligible purchase, provided you are not in breach of the Conditions of Use and your account remains open. Eligible purchases exclude balance transfers, cash advances, cash substitutes and transactions for gambling purposes.​


4. This offer is only valid when you pay for the purchase at the online checkout with your Woolworths Money 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 at any Woolworths supermarket or online at woolworths.com.au from 12:01am (AEDT) on the selected Saturday of each month until 11:59pm (AEDT) on the Sunday of the selected weekend each month. 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 value of $500 in a single transaction. To receive the 10% discount, cardholders must scan the barcode on the back of the credit card and pay for their purchase with their Woolworths Credit Card at the time of the purchase in store or enter their Woolworths Rewards number printed on the back of their Woolworths Credit Card at the online checkout at woolworths.com.au, pay with their Woolworths Credit Card and spend $30 or more. The offer excludes purchases of liquor, smoking/tobacco products, newspapers, accessories and gift cards. 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.


6. This disclaimer has been removed.


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 Card holder fee will be $49 and a $9 annual fee for each Additional Card. The $0 annual fee offer expires 31 January 2017.


9. Points are subject to the Woolworths Money Shopping Card Rewards Program Terms and Conditions. 3 points earned for every $1 spent on Woolworths Select 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, Woolworths Liquor, BWS, Dan Murphy's, Thomas Dux, Cellarmasters and Masters. 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 Money Shopping Card Rewards Program Terms and Conditions. Every 4 months, points are automatically converted to a Woolworths Money Shopping Card redeemable at participating Woolworths Group stores. Participating stores may change from time to time. The Shopping Card expires 90 days after date of issue and 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.


11. 40,000 Qantas Points offer is available to new primary cardholders who apply for a Woolworths Money Qantas Platinum Credit Card between 12:01am AEST 3 November 2016 and 11:59pm AEDT 31 January 2017, are approved and make an eligible purchase on their Woolworths Money Qantas Platinum Credit Card by 11:59pm AEDT 28 February 2017. The 40,000 Qantas Points will be allocated to your Qantas Frequent Flyer Account within 8 weeks of the eligible purchase, provided you are not in breach of the Conditions of Use and your account remains open. Eligible purchases exclude balance transfers, cash advances, cash substitutes and transactions for gambling purposes.​


12.  Qantas Points are earned in accordance with and subject to the Woolworths Money Qantas Rewards Program Terms and Conditions. You will earn one Qantas Point for each Australian dollar spent on eligible purchases; up to $2,500 spend per statement period. You will earn 0.5 Qantas Points for each Australian dollar amount spent on eligible purchases for the remainder of that statement period. 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 Money Qantas Rewards Program Terms and Conditions. Qantas Points are not earned on cash advances, balance transfers or other restricted transactions detailed in the Woolworths Money 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 Money 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 Money 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 Money 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 Money 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 Money 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. To be entitled to a Fuel Saving offer you must spend at least the qualifying amount (as advertised from time to time) in one transaction at a Woolworths supermarket (excluding Tasmania). Purchases of Gift Cards (including iTunes cards), Caltex StarCash and smoking/tobacco products and accessories are excluded from the qualifying amount. Limit of 1 Fuel Saving offer per fuel purchase up to 150 litres per vehicle per customer. Fuel Saving offers cannot be redeemed on LPG purchases at designated CALTEX WOOLWORTHS co-branded fuel outlets, Caltex StarCard or non-fuel purchases. Changes to Fuel Saving offers will be advertised in-store at Woolworths supermarkets. To find out more about the Fuel Saving offer terms and conditions, visit woolworthspetrol.com.au. Please click here to see the Woolworths Rewards Cards terms and conditions. Woolworths Rewards is responsible for all representations made regarding this offer. Please click here to see the Woolworths Rewards card terms and conditions. Woolworths Rewards is responsible for all representations made regarding this offer.


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.