Woolworths Employees Credit Union Credit Cards

Woolworths Employees Credit Union (WECU) is a provider of credit cards, home loans, personal loans, car loans, bank accounts, term deposits, home insurance, health insurance, car insurance, and travel insurance.

Woolworths Employees Credit Union“Good value, good sense banking.” (wecu)

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If you’re considering a Woolworths Employees Credit Union credit card, check out what’s available below in Canstar’s comparison table below. This table is based on a monthly spend of $2,000 and is sorted by our star ratings (highest-lowest).

For Woolworths Money Credit Cards, visit this page instead.

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Types of Woolworths Employees Credit Union credit cards

At the time of writing, WECU has one credit card in its product range – the Visa credit card.

For Woolworths Money Credit Cards, visit this page instead.

Woolworths Employees Credit Union Visa credit card


  • Card type: Visa
  • Minimum credit limit: $2,000
  • Maximum credit limit: $20,000
  • Interest-free days: Up to 55
  • Online banking: Mobile banking app and online banking available
  • Digital wallet: Card enabled for Android Pay digital wallet
  • Security: Protected from fraud and unauthorised transactions thanks to Verified by Visa

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Eligibility criteria for a Woolworths Employees Credit Union credit card

In order to apply for a Woolworths Employees Credit Union credit card, you must be:

  • At least 18 years old
  • Australian citizen or a permanent resident
  • Have a good credit rating

How to apply for a Woolworths Employees Credit Union credit card

If you want to apply for a WECU credit card, you can apply by comparing credit cards on the Canstar website and applying online for the card of your choice on the WECU website, or by calling 1300 366 767.

You will need the usual documentation to apply for a credit card, including:

  1. Your personal details, including your name, marital status, number of dependants, and identification documents
  2. Your employment details
  3. Your annual income
  4. Your usual living expenses
  5. Details about assets you own such as a home, car, other belongings, or savings
  6. Any debts you currently owe on other credit cards, loans, or overdrafts

In addition, WECU requires you to have your WECU member number, and two personal references who are not currently living with you.

Read our checklist on applying for a credit card for a more detailed explanation of how the process works.

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Woolworths Employees Credit Union credit card FAQs

You will have to activate the card when it arrives before you are able to use that card. Activate the card using the mobile banking app or online banking, or by contacting a member of the WECU team on 1300 366 767.

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Yes, WECU has both internet banking and a mobile banking app, and they allow you to access your credit card from your computer or from your mobile phone. With WECU online banking, you can:

  • View your current account balances and transaction history
  • View interest charged
  • Activate and deactivate your card
  • …and more

To register for online banking, follow the online banking link on the WECU website or download the mobile app. WECU credit cards are also compatible with the Android Pay digital wallet, allowing you to make secure and simple purchases by simply tapping your phone.

When interest is charged

Interest is charged when you carry a balance on your WECU Visa credit card. Interest is charged on cash advances from the date of withdrawal and balance transfers from the date of transfer (fees and charges apply).

When interest is not charged

Up to 55 interest-free days apply to the WECU Visa credit card. Interest-free days apply if you have paid the balance in full for the previous month’s statement and for the current month’s statement. For more information about interest-free days, check out our article on how they work.

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The minimum credit limit on any WECU credit card is $2,000 (see above), but the maximum credit limit will be determined based on the information you provide in your application.

You can ask WECU to adjust your credit limit at any time, and they may approve or reject this request based on their lending criteria. Find out more about how credit limits are determined here.

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You can close your WECU credit card at any time by contacting them on 1300 665 553, by emailing info@wecu.com.au, or by visiting a local branch near you.

Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you’re cancelling your card because of financial hardship, then contact the WECU hardship assistance team to find out about possible solutions.

If you’re cancelling your credit card because you aren’t happy with it, then consider checking out what else is on the market by clicking the button below to compare credit cards using the Canstar website:

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Woolworths Employees Credit Union, or WECU, is a credit union that offers financial advice and services only to employees of the Woolworths Group and their immediate families.

Founded in 1971, WECU’s vision is simple: to be the preferred provider of financial services to their employees. It also operates under the principle of ‘once a member, always a member,’ meaning that you can continue to use WECU’s products even after you’ve left your respective company.

As a customer-owned institution, WECU is owned by its members and its profits go towards giving its members more competitive rates, products, and services. WECU also strictly complies with the Customer-Owned Banking Code of Practice, ensuring that it maintains a high degree of transparency and fairness.

According to its 2016 Annual Report, WECU has almost 20,000 members Australia-wide, and holds just over $100 million in total assets under management.

WECU also has a number of societal and environmental aims. As a part of its corporate responsibility program, WECU aims to improve the financial literacy of all of its members and encourages them to practice sustainability in their everyday lives.

Additionally, WECU also supports CUFA, an international agency dedicated to fighting poverty across the Asia-Pacific region. WECU encourages their employees and members to donate to a village in countries such as Cambodia and Laos in order to improve employment, education, and the general living conditions there.

Source: CUFA

For Woolworths Money Credit Cards, visit this page instead.

Compare Credit Cards with Canstar

Showing Rewards products in Canstar’s database with links to lenders’ websites. The display is sorted by Star Rating (highest to lowest) for credit cards that offer signup bonuses to consumers for a spend of $5,000 per month.

Table only displays five products. Click here to see more. Be sure to read the full terms and conditions of each deal before signing up.

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Written by: William Jolly | Last updated: August 4, 2017