- No annual fee first year; $49 thereafter
- 0% p.a. on balance transfers for 14 months from card approval (reverts to the variable cash advance rate)
- Earn up to 3 points per $1 spent; uncapped
- You can earn extra points when shopping at Woolworths Group Stores
- 10% off your shop once a month on selected dates. Saving you up to $50 every month
- Up to 55 days interest free on purchases
- 24/7 Concierge Service
- Visa luxury hotel collection access
- Purchase security insurance and Wallet Guard
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Woolworths Credit Cards
Woolworths Everyday Platinum Credit Card
Updated 25 November 2024
This card is no longer available for application. We have kept this information here for anyone who has or had this card
Enjoy 0% p.a. on balance transfers for 14 months from card approval (reverts to the variable cash advance rate). Save with no annual fee the first year and an ongoing $49 p.a. after. Earn up to 3 points per $1 spent and earn extra points when shopping at Woolworths Group Stores.
Terms and conditions apply
Purchase Rate (p.a)
19.99%
Balance Transfer (p.a)
0% for 14 months
No balance transfer fee.
Reverts to 19.99% p.a.
Annual Fee (p.a)
$0 first year. Then $49 p.a.
Pros and cons
- High standard purchase rate 19.99% p.a.
- 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 Classic Card, which does not entitle you to Platinum benefits.
Creditcard.com.au review
Editor Review
Woolworths Everyday Platinum Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
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The Woolworths Everyday Platinum Credit Card
If you’re looking for a low cost platinum rewards card that is big on features, the Woolworths Everyday Platinum Credit Card may just put an end to your search. With an enticing array of introductory offers and a heap of tempting extras, this is one platinum offering that puts the reward into rewards card.
What we love...
Who doesn’t love a good intro offer? The Woolworths Everyday Platinum Credit Card happens to have a pretty amazing introductory offer on the table, providing new cardholders with not one, but two inviting offers. All you need to do to benefit from them is apply and be approved to be eligible..
Here’s how they break down:
- $0 annual fee for the first year, providing you a saving of $49
- 0% p.a. on balance transfers for 14 months from card approval.
Now, what’s to love in the day-to-day? Aside from its introductory offers, the Woolworths Everyday Platinum Credit Card has plenty to keep you interested. For Woolies shoppers, one of the best things about this card has to be its rewards program.
The card lets you earn points as you shop, and then every four months, as long as you have earned enough points, you will receive a shopping card, which can be used across participating Woolworths group stores. The more you spend, the more points you earn, the bigger the reward. And there’s no limit to the number of credit card points you can earn.
- Earn 3 points for every $1 spent on all purchases of Woolworths Select and Woolworths brand range of products.
- Earn 2 points for every $1 spent on purchases at Woolworths Supermarkets, Dan Murphy’s, Cellarmasters, BWS, BIG W and Caltex Woolworths.
- Earn 1 point for every $1 spent on eligible purchases everywhere Visa is accepted, in Australia and overseas.
What’s not so great...
Before you apply for this card, it’s worth taking note of the interest rate applied to purchases and cash advances. While the purchase rate and cash advance rate on this card is about the same as most other platinum cards, it’s high enough that you don’t want to carry a balance.
Also bear in mind that any unpaid balance transfers will revert to the higher cash advance rate at the end of the introductory period.
Why should you choose this card?
One of the most appealing aspects of the Woolworths Everyday Platinum Credit Card is its low annual fee and ongoing discounts and savings at Woolworths group store. And did we mention you get 10% off once a month on selected dates? That saves you up the $50 every month or up to $600 annually! As long as you clear your balance every month to avoid paying interest, this card can help keep your costs low with an affordable standard annual fee. When you take into account the opportunity to earn rewards, and the various features on offer, this card really is good value.
Aside from the introductory offers and rewards program, this card still has plenty to entice you. As a cardholder, you will have access to the Visa Luxury Hotels collection, providing benefits such as free internet, daily continental breakfast for two, room upgrades and late check-out when available, and a $25 food and beverage voucher.
You can also benefit from complimentary Purchase Security Insurance and Wallet Guard, as well as up to 10% off Woolworths insurance. You can take advantage of the services of a 24/7 concierge, access to Visa Entertainment and 50% off selected wine cases at Cellarmasters.
Overall Rating
A feature-packed, low cost platinum rewards card offering an array of introductory offers, including $0 annual fee for the first year and 0% p.a. on balance transfers for 14 months.
User reviews
Rates and fees
Interest rates
Purchase rate 19.99% p.a.
Cash advance rate 19.99% p.a.
Interest free period on purchases up to 55 days
Balance transfer
Balance transfer rate 0% p.a. for 14 months
Balance transfer revert rate 19.99% p.a.
Balance transfer from personal loan No
Balance transfer fee No fee
Balance transfer limit Subject to $500 remaining of approved credit limit
Brands you can't balance transfer from Woolworths
Credit limits
Minimum credit limit $6000
Maximum credit limit N/A
Fees & repayments
Annual fee $49 p.a.
Additional cardholder fee $9
Foreign transaction fee 3%
Minimum repayment 2.5% or $50 (whichever is greater)
Annual fee the first year $0
Cash advance fee 3% or $5 (whichever is greater)
Late payment fee $20
Rewards and points
Rewards program
Rewards Program
Woolworths Rewards
Bonus points N/A
Annual points cap uncapped
Bonus points spend criteria N/A
Earning points with this card
Rewards Rewards points 1 point per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Visa luxury hotel collection access (Platinum card)
Eligible with Apple Pay®
Overview
Woolworths Everyday Platinum Credit Card
This truly is the Credit Card that gives back with 10% off your first Woolworths shop on selected dates every month, that’s a saving of up to $50 every month or $600 annually. Plus, earn Credit Card points which automatically convert to Shopping Cards every 4 months, 4000 Credit Card points gives you a $20 Shopping Card.
Key features
- $0 annual fee for the first year ($49 p.a. thereafter)
- 0% p.a. on balance transfers for 14 months from card approval (reverts to the variable cash advance rate)
- Earn up to 3 points per $1 spent; uncapped
- Earn Credit Card points which automatically convert to Shopping Cards every 4 months
- 10% off your shop once a month on selected dates. Saving you up to $50 every month.
- Additional card holders at $9
- Up to 55 days interest free on purchases when you pay your full balance off each month
- 24/7 Concierge Service
- Visa luxury hotel collection access
- Purchase security insurance and Wallet Guard
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent Australian Resident
-
Minimum income of $30,000 p.a.
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question62 questions (showing the latest 10 Q&As)
How can i apply for Woolworths platinum card?
Hi Nimmi, unfortunately you can't apply for this card. Woolworths stopped taking applications around 2 years ago and I've only kept this guide online for anyone who might still have the card and lost their welcome pack. If you're looking for a rewards credit card, you can use our comparison tool to help. Good luck Nimmi!
Looking for a form to apply for a Woolworths Everyday Platinum Credit Card
Hi Arne, Woolworths have discontinued this card, so unfortunately you won't be able to apply. I've updated my guide if you're looking for a credit card card to earn points on groceries.
Robin
20 July 202210% off a big shop each month, plus cash back at times. Just for doing my normal show.
Recommends this cardAnne
17 February 2020Applied for this card over 3 weeks ago, meeting the criteria. Was given approval based on providing payslip evidence. I was later contacted to say that the payslip evidence was not clear & legible. Resent the payslips & waited. Rung up to check progress, told they had received the legible payslip, will be in touch. They then contacted me again saying they couldn't read it properly. Resent payslip again & waited some more. Contacted them again, was told to wait 5 working days. Contacted them again & told it was declined, they couldn't tell me why but I had to wait some more to get a letter they had posted. Big waste of time! Very disappointed. I would not recommend Woolworths cards at all, unless you enjoy being given the run around & the frustration of having your time wasted. Pathetic customer service.
Does not recommend this cardNicole Faulkner
2 April 2019I just rang to cancel this card and after agreeing to pay it completely today I was given a payout figure that didn’t include pending transactions which already appear on the account. Then the person on the other end of the line hung up on me. This happens quite frequently and is very frustrating as you have to go through whole procedure again. Points are very complicated and paid several times a year, not accumulative like Coles. Also, only 1 year free from card fee. Coles is free. Also, interest rates very high. Also, not clear when I first got this card with promise of balance transfer that 55 days interest free on purchases would not apply. Same deal with Coles but they make it very clear before you apply that that is the condition. With this card you find out after they charge interest. All up I would not recommend this card. If you are thinking of a card get one from Coles, especially if you are interested in rewards as Flybuys much easier to use and track and you have a lot more control.
Does not recommend this cardCreditcard.com.au Visitor
28 January 2013This month I was late by 3 days, but got hit with interest rates which not only include the entire outstanding amount, but for the future month as well - profiteering is the word. No cognisance of any past payment before due date. All my fault ofcourse. When I phoned my call dropped out after all the various prompts.
Does not recommend this cardAndrea Benson
28 January 2013I got this card initially for the balance transfer but I’ve now paid off the balances I brought over. I’ve found it’s great for earning points now and I use it as my everyday card. I have started shopping a lot more in Woolies though!
Recommends this card