Woolworths Credit Cards

Woolworths Credit Cards are provided by Woolworths and issued by Macquarie Bank. Woolworths is also a provider of car insurance, home insurance, landlords insurance, life insurance, travel insurance and pet insurance.

What credit cards does Woolworths offer?

If you’re considering a Woolworths card, check out what’s available below in our comparison table based on a monthly spend of $1,000. Please note that this table has been sorted by purchase rate (lowest to highest).

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More information about Woolworths credit cards

We have summarised below some of the key features of various Woolworths credit cards, according to the information available on its website at the time of writing.

Woolworths Everyday Platinum Credit Card

FeaturesWoolworths Money Platinum Credit Card

  • Card type: Visa
  • Minimum credit limit: $6,000
  • Contactless payments: Visa pay wave chip technology allows you to use this card for payments of less than $100 or via the mobile banking app with Apple pay.
  • Security: Purchase security insurance for theft or damage of purchased item within 90 days of buying; Wallet Guard for replacement of personal effects, cash, valuable documents, or wallet after theft up to a certain limit; and Visa Zero Liability Policy against unauthorised transactions.
  • Rewards program: Earn Woolworths Points for money spent using the card. Your points are automatically converted to Woolworths Shopping cards every four months. Your Woolworths Rewards card (if you have one) will also be attached to the back of your credit card making it easier to scan and earn Woolworths Rewards points when you shop.

Woolworths Qantas Platinum Credit Card

FeaturesWoolworths Money Qantas Credit Card

  • Card type: Visa
  • Minimum credit limit: $6,000
  • Interest-free period: Up to 55 days interest free.
  • Contactless payments: Visa pay wave chip technology allows you to use this card for payments of less than $100 or via the mobile banking app with Apple pay.
  • Security: Purchase security insurance for theft or damage of purchased item within 90 days of buying; Wallet Guard for replacement of personal effects, cash, valuable documents, or wallet after theft; and Visa Zero Liability Policy against unauthorised transactions.
  • Rewards program: Earn Woolworths Points for money spent using the card. Your points are automatically converted to Woolworths Shopping cards every four months. Your Woolworths Rewards card (if you have one) will also be attached to the back of your credit card making it easier to scan and earn Woolworths Rewards points when you shop.

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Woolworths Credit Card FAQs

To apply for either of the Woolworths Credit Card products, you must be able to meet the following criteria:

  • Be at least 18 years of age.
  • Be a permanent resident of Australia.
  • Have a good credit history.
  • Earn a minimum taxable income of $30,000 p.a.

For more information on eligibility requirements, refer to the Woolworths website.

If eligibility requirements are met, you can apply online or call over the phone. Have your ID and income details handy.

You can check your application status at any time by calling Woolworths. In some cases, an instant response cannot be made and you will need to provide further information before the card can be approved; in this case, the card provider will contact you.

You can manage your Woolworths credit card through online banking using the Woolworths Card website or the Woolworths mobile banking app. Use online and mobile banking to view your recent transaction history, balance and rewards. 

When interest is charged

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

When interest is not charged

Up to 55 interest-free days apply to Woolworths credit card purchases if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed).

Your credit limit for a Woolworths credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card. To increase or decrease your credit limit, call Woolworths.

You can close your Woolworths credit card account at any time by contacting Woolworths.

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 are experiencing financial hardship, contact the Woolworth’s customer service team about possibly receiving help in making repayments.

If you are closing your Woolworths credit card because you’re not satisfied with it, consider your other options when it comes to credit cards.

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Opened in Australia in 1924, Woolworths now employs over 201,000 nationwide serving 29 million customers every week. Maquarie Bank is the issuer behind Woolworths credit card’s. 

Compare Credit Cards with Canstar

If you’re comparing credit cards, the table below displays a snapshot of the low interest credit cards currently available on Canstar’s database for Australian’s looking to spend around $2,000 per month. Please note that this table features links direct to the providers website, and is sorted by Star Rating (highest to lowest). Use Canstar’s credit card comparison selector to view a wider range of credit cards..

Written by: TJ Ryan | Last updated: October 29, 2019