Everyday Platinum Credit Card

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Basic

Card Level
Card Level
Platinum
Interest Free Days
Interest Free Days
55
Maximum credit limit
Maximum credit limit
No set max
Minimum credit limit
Minimum credit limit
$6,000
Minimum repayment dollars
Minimum repayment dollars
$50
Minimum repayment percent
Minimum repayment percent
2.5
Number free supplementary
Number free supplementary
0
Annual Fee
Annual Fee
$0for 12 months then $49
Late Payment Fee
Late Payment Fee
$35
Over limit fee
Over limit fee
$30
Duplicate statement fee
Duplicate statement fee
$7
Supplementary card annual fee
Supplementary card annual fee
$9
Apple Pay available
Apple Pay available
Google Pay available
Google Pay available
Samsung Pay available
Samsung Pay available
Card Level
Card Level
Platinum
Interest Free Days
Interest Free Days
55
Maximum credit limit
Maximum credit limit
No set max
Minimum credit limit
Minimum credit limit
$6,000
Minimum repayment dollars
Minimum repayment dollars
$50
Minimum repayment percent
Minimum repayment percent
2.5
Number free supplementary
Number free supplementary
0
Annual Fee
Annual Fee
$0for 12 months then $49
Late Payment Fee
Late Payment Fee
$35
Over limit fee
Over limit fee
$30
Duplicate statement fee
Duplicate statement fee
$7
Supplementary card annual fee
Supplementary card annual fee
$9
Apple Pay available
Apple Pay available
Google Pay available
Google Pay available
Samsung Pay available
Samsung Pay available

Rates

Purchase Rate
Purchase Rate
19.99%
Cash advance rate
Cash advance rate
21.99%
Purchase Rate
Purchase Rate
19.99%
Cash advance rate
Cash advance rate
21.99%

Balance Transfer

Balance Transfer Rate
Balance Transfer Rate
0%for 14 months then 21.99%
Transfer Limit
Transfer Limit
100%Less $500 of total credit limit
Balance Transfer Fee
Balance Transfer Fee
$0
Balance Transfer Rate
Balance Transfer Rate
0%for 14 months then 21.99%
Transfer Limit
Transfer Limit
100%Less $500 of total credit limit
Balance Transfer Fee
Balance Transfer Fee
$0

Overseas spending

Foreign Exchange Fee
Foreign Exchange Fee
3% on Visa
Overseas charges
Overseas charges
$5
Estimated ATM Cost
Estimated ATM Cost
$14for AU $300 withdrawal
Foreign Exchange Fee
Foreign Exchange Fee
3% on Visa
Overseas charges
Overseas charges
$5
Estimated ATM Cost
Estimated ATM Cost
$14for AU $300 withdrawal

Rewards

Program name
Program name
Woolworths Rewards
Rewards Available
Rewards Available
Cash Back
Program name
Program name
Woolworths Rewards
Rewards Available
Rewards Available
Cash Back

Eligibility

Minimum age
Minimum age
18
Minimum income
Minimum income
Eligibility conditions
Eligibility conditions
Minimum age
Minimum age
18
Minimum income
Minimum income
Eligibility conditions
Eligibility conditions

Earn Rates

RateCard TypeEarnsCondition
3 points for $1 spentVisauncappedWoolworths Select and Woolworths brand products
2 points for $1 spentVisauncappedWoolworths Supermarkets, Dan Murphy's, Cellarmasters, BWS, BIG W, Caltex Woolworths
1 point for $1 spentVisauncappedall other eligible purchases

Perks

  • Concierge
  • Purchase ProtectionCovers up to $2,500 per item and $25,000 per year with a $250 excess
Other Benefits
Save 10% on your first Woolworths shopping on selected dates each month.

Features

The Woolworths Everyday Platinum credit card has moderately high interest rates with a moderate number of interest-free days. The credit card charges a moderately low annual fee, which is waived in the first year. The card has a high late payment fee. The Woolworths Everyday Platinum card can be used anywhere that Visa is accepted.

The Woolworths Everyday Platinum credit card has a reward program that allows card holders to earn points, which can be redeemed for shopping vouchers at Woolworths supermarkets. The card earns three points for every $1 spent on Woolworths Select and Woolworths brand products, as well as two points per $1 spent at Woolworths Supermarkets and their partners. The card also earns one point on eligible purchases everywhere Visa is accepted.

This card uses Visa payWave for fast and secure payment.

Pros
  • 0% balance transfer offer
  • Earns Woolworths points
  • No annual fee in the first year
Cons
  • No frequent flyer points
  • Moderately high interest rates
  • Charges an annual fee

 

Who is it good for?

The Woolworths Everyday Platinum credit card is most suited to Woolworths customers who want their rewards redeemable at Woolworths supermarkets. The card earns points for shopping at Woolworths stores, their partner brands, as well as everywhere Visa is accepted. Customers can redeem their points for shopping vouchers, which will save them money on their next Woolworths shop.

This card is not suited to those in search of frequent flyer or travel rewards. The points earned on the Woolworths Everyday Platinum card cannot be converted to frequent flyer points. Those in search of travel rewards should consider a credit card that earns points for their preferred airline.

The Woolworths Everyday Platinum card may not be a good fit for budget card holders who don’t clear their credit debt each month. The moderately high interest rates and high late payment fee may become problematic for budget customers. 

What RateCity says

The Woolworths Everyday Platinum credit card is a practical card for those who already do their grocery shopping at Woolworths. Because the card has a higher earn rate when you make purchases at Woolworths stores and partner brands, those who shop at Woolworths will receive a higher number of points. These points can then be used to receive a discount on your next shopping trip at Woolworths.

This card delivers few benefits to those who do not shop at Woolworths. Although points can be earned everywhere that accepts Visa as a payment method, the earn rate is lower, and the points must be redeemed for Woolworths vouchers.

Reward-seeking customers that do not regularly shop at Woolworths might want to consider a credit card with a comparable annual fee that offers a rewards program to fit their preferences.

Applying/eligibility

To be eligible for the Woolworths Everyday Platinum credit card, you must be at least 18 years of age. You must be an Australian citizen or permanent resident with a good credit history. Applicants are required to earn a minimum taxable income of $30,000 per year. When you apply, you’ll need to submit personal and financial details, such as a photo ID, annual salary and employer information. Applications can be completed online.

About Woolworths Money

Woolworths Money is an Australian financial services provider. Part of the broader Woolworths brand, Woolworths Money offers credit cards and prepaid cards to consumers across the country. Woolworths Money customers are automatically granted access to the brand’s app, which allows card holders to manage their credit cards or prepaid cards easily and securely. Woolworths also provides a range of insurance policies, including car, home, landlords, pet, life and travel insurance.

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