At this time our focus remains on our customers. In light of the current situation, we will be temporarily pausing new card applications.


Woolworths Everyday Platinum Credit Card

The Woolworths Everyday Platinum Credit Card rewards you for the everyday things that you buy.

For every $1 you spend, you'll earn Credit Cards points that are automatically converted into shopping cards every 4 months for you to use across participating Woolworths group stores.7


 

Woolworths Everyday Platinum Credit Card

Features

Your Everyday Platinum Credit Card comes with:

  • $0 annual fee for the first year6
    Saving you $49
  • 0% p.a. for 14 months on balance transfers8
    Reverts to the variable cash advance rate
  • Visa zero liability policy16
    so you won't be held responsible for fraudulent or unauthorised charges

     

Everyday Benefits

Once you've made your first eligible purchase, you'll also enjoy:

  • Get 10% off your grocery shop once a month5
    saving you up to $50 every month5
  • Up to 55 days interest free
    on eligible purchases15
  • 4,000 Credit Card points = $20 Woolworths Shopping Card7
    Credit Cards points are automatically converted to shopping cards every 4 months



Woolworths Credit Cards, now with Apple Pay

Enjoy all the benefits of your Woolworths Credit Cards using Apple Pay. It’s the easy, secure and private way to pay.^

  • Easy set up
    Follow the simple instructions to add your card to your Apple devices
  • Use in store, online and in apps
    Available anywhere you can tap and pay
  • Secure payment
    All transactions are authorised by your unique Face ID, Touch ID or passcode

Our rates and fees

Purchase Interest Rate 19.99% p.a.
Cash Advance Interest Rate 19.99% p.a.
Minimum Payment Due 2.5% of the closing balance or $50, whichever is greater
   
Annual Primary Cardholder Fee First Year6 $0
Annual Primary Cardholder Fee Subsequent Years $49
Additional Cardholder Fee $9
Interest Free Period Up to 55 days interest free on purchases only, which applies only if your Account is paid in full by the due date each month (excluding any balance transfers and/or Interest Free Finance balances that are in the specified 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 Woolworths stores)
Card Replacement Fee $0
Information Request Fee $7 for each document of written information provided which includes each duplicate statement provided.

How do you earn credit card points?
 

Use your Woolworths Credit Card everywhere Visa is accepted and earn points faster.

Earn 3 points

For every $1 spent7 on all purchases of Woolworths brand products
 

Earn 2 points

For every $1 spent7 on purchases at Woolworths Supermarkets as well as and BIG W
 

Earn 1 point

For every $1 spent7 on eligible purchases everywhere Visa is accepted
 

Your Credit Card points are automatically converted into a Woolworths Shopping Card, which we’ll send to you every 4 months. You can use your Shopping Cards in Woolworths Supermarkets and BIG W.7 Plus, there’s no limit to the number of points you can earn!

4,000 points = $20 Woolworths Shopping Card.7

Woolworths Shopping Card

Don't miss out on Everyday Rewards points

Your Credit Card has your Everyday Rewards card printed on the back, so you'll never be at the checkout without it.

Full terms and conditions

Woolworths Platinum Credit Card Everyday Rewards

Everyday Rewards Card


Want to know more about Everyday Rewards?

Find out more about Everyday Rewards and how you can collect and enjoy your Everyday Rewards points.

Platinum Extras

With a Woolworths Platinum Credit Card you also get access to some special perks, such as:

  • 24/7 Concierge Service12
  • Visa luxury hotel collection access4
  • Purchase security insurance and Wallet Guard13

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

Need some help?

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



For a list of compatible Apple Pay devices, see support.apple.com/en-au/km207105.

Apple Pay is a trademark of Apple Inc., registered in the US and other countries.

Terms & Conditions

1. 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 and CTP Green Slip 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 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.


4. 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.


5. 10% off your shop offer applies to existing primary and additional Woolworths Credit Card holders who make a purchase (i) at any Woolworths Supermarket between 12:01am (AEST/AEDT) of the selected Saturday and 11:59pm (AEST/AEDT) of the selected Sunday for that month; or (ii) online at woolworths.com.au between 12:01am (AEST/AEDT) of the selected Friday and 11:59pm (AEST/AEDT) of the selected Sunday for that month (“the Offer Period”). Note in respect of online orders that until further notice, due to COVID-19 impacts and Woolworths’ prioritisation of vulnerable customers, delivery may not be available to you or in your delivery area and pick up orders will be unavailable.

Dates of the Offer Period will be published at woolworths.com.au/creditcards-10off prior to commencement of the Offer Period. Dates are subject to change, Cardholders should check woolworths.com.au/creditcards-10off prior to shopping. It may take up to 45 days for the offer to be available after you have activated your card. Cardholders must not be in breach of the Woolworths 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.

The 10% off offer will only apply to the first shop made during the Offer Period. To receive the 10% off offer in store Cardholders must scan the barcode (Everyday Rewards number) on the back of the Woolworths Credit Card during the Offer Period. To receive the 10% off offer online, Cardholders must place an order online during the Offer Period, enter the barcode number on the back of their Credit Card (Everyday Rewards number) into their online account before checkout at  woolworths.com.au, and spend $30 or more for Pick up orders or $50 or more for Home Delivery orders.

Excludes any vouchers or offers or Delivery Saver items, bag fee and crate service fee, internet cafes, purchases of liquor, smoking/tobacco products and accessories, newspapers, Woolworths Services, Gift Cards (including iTunes), mobile recharge, Woolworths Mobile, travel cards and tickets, Carpet Care and lottery products. Bag fees and crate service fees apply for Pick up and Delivery orders. This offer cannot be used with a Woolworths Online business account (i.e. an account with an ABN or Business Name). 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. Cannot be used in conjunction with any other offer.

$600 is calculated based on the maximum savings that can be earned if a customer makes a single transaction valued at $500 (and therefore obtains the maximum saving of $50) every month for 12 months. Cannot be used in conjunction with any other offer.


6. After the first year, the annual Woolworths Everyday Platinum Credit Card Primary Cardholder fee will be $49 and a $9 annual fee for each Additional Card.


7. Woolworths Credit Card Points are subject to the Woolworths Shopping Card Rewards Program Terms and Conditions. 3 Woolworths Credit Card points earned for every $1 spent on Woolworths brand range of products purchased in-store at Woolworths Supermarkets. 2 Woolworths Credit Card points earned for every $1 spent on products purchased at Woolworths Supermarkets and BIG W. 1 Credit Card point earned for every $1 spent on other eligible purchases. Woolworths Credit Card 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, Woolworths Credit Card 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.


8. 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 19.99% p.a for the Everyday Platinum Card and 20.49% p.a for the Qantas Platinum Card. Interest rates are subject to change and Card Services credit criteria. Minimum repayments are required. For further details please click here.


9. 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 and BIG W 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.


10. Overseas Travel Insurance, Interstate Flight Inconvenience Insurance, Transport Accident Insurance, Purchase Security Insurance, Extended Warranty Insurance and Global Hire Car Excess Waiver 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 Qantas Platinum Credit Card policy of insurance between Macquarie Bank Limited (ABN 46 008 583 542 AFSL No. 237502) (MBL) and Chubb. 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.


11. After the first year, the annual Woolworths Qantas Platinum Credit Card Primary Cardholder fee will be $169 and a $29 annual fee for each additional card. Annual fees are subject to change.


12. Available to Woolworths Platinum Credit Card holders only. Concierge Services are provided by Aspire Lifestyles (Australia) Pty Ltd. Accessing concierge services is free but you must pay for the goods or services that you purchase through the service.


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. A limit 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 Insurance Terms and Conditions and consider the appropriateness of that insurance in relation to your individual requirements.


14. Everyday Rewards is not available in Tasmania. For full terms and conditions visit everydayrewards.com.au/terms.


15. Applicable only if your account is paid in full by the due date shown each month (excluding any balance transfers and/or Interest Free Finance balances that are in the specified promotional period).


16. 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.


17. 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.