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Woolworths Everyday Platinum Credit Card | 20,000 Rewards Points ($100) | 10% off 1st Shop Each Month | $0 First Year, $49 After

1640

Appears to be a pretty good offer from Woolies. Enjoy :)

Note: Application closes on 31 May. Eligible purchase must be made before 30 June.

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closed Comments

  • +3 votes

    Thanks TA. Great offer, if just for the free $100! First year annual fee free too, so a true free $100 :)

      • +7 votes

        Visa/Mastercard to buy those gift cards? Not an AMEX? Hand in your OzBargainer badge.

        • +3 votes

          Don't worry, I just reported him to the mods. He's probably a friend of Gerry Harvey.

    • +6 votes

      Not really. I worked for them for a good while. They pay Australians very fairly

      •  

        Their DC staff are paid very well, at least in South Australia. 9 day fortnights for FT staff as well.

      • +3 votes

        While that may be true, W and C are screwing aussie farmers, with their demands for significantly cheaper milk and other products.

        •  

          Took the words right out of my mouth

  •  

    RIP coles mastercard

    • +3 votes

      still you don't earn double points on woolworths card, as you earn on Coles mastercard for using credit card…..

    • +2 votes

      the coles mastercard's shoppers protection is worth keeping imo. 24 month refund on price drops and 6 month refund on damage/stolen items.

      • +2 votes

        Yep but that is no longer offered, neither is free international transactions. Hence RIP

        •  

          This is still valid on the Coles rewards platinum card

        • +1 vote

          oh wow thanks for pointing that out. i didn't know they canned that. looks like if you applied for it before 25/2/18 you're still okay. I wonder if this will carry on indefinitely.

        • +2 votes

          @smarter_fool: it looks like the new platinum insurance has been watered down — up to 90 days for damage/stolen items. no price drop protection.

        •  

          https://financialservices.coles.com.au/credit-cards/rewards-...

          No international transaction fee on purchases when you shop online or overseas.

        •  

          @iSamurai: That's correct, however the shoppers protection still applies to those who have it, even with the new insurance stuff.

      • +1 vote

        Yup for those who got the card already with the insurance, it’s a gem.

        • +1 vote

          Yup… I have claimed over $600 in just a little over one year. It feels great being able to purchase the latest mobile phone in the market and be chillaxed knowing that you can claim the price drop when the phone is nearing the end of it's shelf life

        •  

          @0FoxGiven: I got few of my friends and colleagues onto it. They didn't believe me initially :P it was too good to be true and no wonder they stopped offering this any further.

          My biggest worry remain, can Coles stop/change the terms of the price protection insurance they have sold already to existing customers at some point? Are they allowed to do this?

        •  

          @thriver: No idea, but the price protection for old cards still works even after they updated to the next T&C.

        •  

          @0FoxGiven: Yeah works as of now.

      •  
    •  

      Coles is also no annual fee for life

  •  

    Is there a minimum spend to trigger the points ?

    •  

      No…

      20,000 bonus Woolworths Rewards Points offer is available to new primary cardholders only who apply for a Woolworths Everyday Platinum Credit Card between 12:01am AEST 2 February 2018 and 11:59pm AEST 30 June 2018, are approved and make an eligible purchase on their Woolworths Everyday Credit Card by 11:59pm AEST 31 July 2018. Your 20,000 Woolworths Rewards bonus points will be credited to the Woolworths Rewards membership provided at the time of applying for a Woolworths Everyday Platinum Credit Card within 8 weeks of the eligible purchase, provided you are not in breach of the Conditions of Use and your account remains open. Eligible purchases exclude balance transfers, cash advances, cash substitutes and transactions for gambling purposes.

  •  

    does it affect credit score if you apply and cancel after 6 months?

    • +16 votes

      Every credit card you apply for has a effect on your score

      • +12 votes

        *an

      •  

        Sorry, very novice question from me - how negatively impacting is it to open a card (like this) for a year, maintain steady on-time payments and cancel right before the annual fees?

        • +2 votes

          All new enquiries have variable impact on your score. Just be aware of it. Some providers might consider it grounds to refuse a new application.

        • +5 votes

          Not that bad. I haven't been rejected for any of the credit cards I have applied for. I get a new one over 6 to 9 months. I'm sure there are others that are more frequent than myself.

        • +1 vote

          A credit enquiry on your account stays there for 5 years. So if you chop and change cards alot you'll build up a lot of enquiries on your file.

          However, from 1st July I believe, positive reporting will be included on your file too such as on time payments of credit cards, loans etc.

          YMMV.

        •  

          @bricabrac89:

          They've already started positive reporting at NAB however the rest of the banks should be rolling it out before July 1st.

          I've just been watching my credit score go up lately because of this, just quite slowly.

        •  

          @K1LL3R12:

          That's good to know. I'll keep checking mine.

        •  

          @bricabrac89:

          where do you check your credit score

        • +2 votes

          @tith:

          I use Credit Savvy who source their data from Experian

        •  

          @bricabrac89:

          You should try the other ones as well.

          Getcreditscore - This gives your Equifax score.

          Credit Simple - This gives your Illion (previously Dun and Bradstreet) score.

          You should look at all the three.

          Equifax typically has the most data. My report from Equifax shows one additional enquiry that the other two bureaus don't. Equifax is used by most credit providers when deciding credit applications.

          My credit score according to Experian is significantly higher than the other two. Experian says I am in the top 20% of the population, but the other two say I am in the bottom 30% of population :(

  • +2 votes

    What are the exclusions for the 10% first shop each month? Can't see them giving 10% off gift cards.

    Edit: Found it. This offer excludes purchases of liquor, smoking/tobacco products, newspapers, any vouchers, Woolworths Services, delivery charges and Delivery Saver items, gift cards, egift cards, mobile recharge, travel cards a gift cards, egift cards, mobile recharge, travel cards a available in Tasmania.

    •  

      Details from my last email from woolies:

      10% discount offer applies to existing Woolworths Credit Card holders who make a purchase (i) at any Woolworths supermarket between 12:01am (AEST) Saturday 14 April 2018 and 11:59pm (AEST) Sunday 15 April 2018; or (ii) online at woolworths.com.au between 12:01am (AEST) Friday 13 April 2018 and 11:59pm (AEST) Sunday 15 April 2018 (“the Offer Period”). Cardholders must not be in breach of the 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. To receive the 10% discount in store, cardholders must scan the barcode on the back of the credit card and pay for their purchase with their Woolworths Credit Card during the Offer Period. To receive the 10% discount online, cardholders must place an order online during the Offer Period, enter their Woolworths Rewards number at the online checkout at woolworths.com.au , pay with their Woolworths Credit Card and spend $30 or more for Pick up orders or $50 or more for Home Delivery orders. This offer excludes purchases of liquor, smoking/tobacco products, newspapers, any vouchers, Woolworths Services, delivery charges and Delivery Saver items, gift cards, egift cards, mobile recharge, travel cards and tickets. This offer is not available in Tasmania. 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.

    •  

      Click the main link and scroll down. All T&Cs are available there.

      •  

        What are the chances the woolies will actually exclude gift cards from 10% off?

        •  

          A few years ago they had flyers for 10% off which worked on gift cards, they fixed that one. Also the email deals for bonus points/woolworths dollars etc used to work with gift cards but no longer do.

  •  

    Not for Tasmania.

    • +21 votes

      That's because Tasmania is a failed state.

      • +13 votes

        Their beer is pretty good though.

        • +1 vote

          Give me more of your GST stolen monies, please. Someone has to continue to prop up this banana republic.

      • +1 vote

        Savage.

      • +1 vote

        Earning Woolies FSC points on booze doesn't sound like a failed state to me :)

    •  

      Yer you have a different woolies rewards card for some messed up reason.
      At least you have 6am-11pm 7day opening hours unlike Qld.

  •  

    Any chance of getting the fee waived again in subsequent years?

    • +3 votes

      I just called to cancel after a year with the card, and the best they could offer was 1/2 price annual fee for the second year. I accepted that.

      •  

        Wonder how it will go for other years lol.

    • +2 votes

      I got them to waive the fee for 4 years in a row until they moved to Macquarie, they offered half price, but that was when the fee was way more, so I left'em.

  •  

    Application failed. Oh well, will stick with the Woolies gift cards.

    •  

      What happened lol?

    •  

      Failed as in timed out/browser error?

      Or you actually mean "declined"?

      • +1 vote

        Sorry declined. No idea. Too many cards already? Already have a card through Macquarie?

        •  

          Already have a card through Macquarie

          That's probably it, Macquarie tends to be very stingy…

        • +1 vote

          @MathNerd: Ah, thank you.

        •  

          @unity1: Pleasure.

  •  

    Pretty good deal. Just closed my woolies and Coles cards to take up the ANZ black FF card.

    •  

      Should have kept the Coles with the minimum limit… they wont be offering some of the old features again.

  •  

    could be a way to get a few more extra Qantas Frequent Flyer points, 8700 I think from memory with woolies conversion rate. Although no where near as good as other credit card offerings from ANZ etc

    •  

      8700 isn't as good as $100 though so whats the point exactly…

      •  

        Well I guess it would be 1.14c per point so it would depend on your situation, when redeeming the qantas FF points they could be worth more depending on how you use them

  •  

    Well I am another DISSATISFIED Tasmanian…………….
    Talk about Discrimination.
    Now I must look further at Coles.

    • +2 votes

      It's because of the Roelf Vos & Purity legacy haha.

  •  

    Can the rewards points also be converted to Qantas frequent flyer points?

  •  

    Application also failed for me… Good excuse to keep using the Amex until I reach $3000 spend…

  • +2 votes

    Have had this card for about a year. Had all these feature and also came with 0% BT, which was what I got it for.

    Except I got $100 Woolies voucher with any purchase. Think I bought a can of coke as my purchase to activate this.

  •  

    Doesn't say you are eligible if you had the same card in the last xx years. I have closed mine last year. Can i apply again and get the points? Not clear

  •  

    Who is the card issuer? Citi told me I can only keep one card issued by them.

    • +2 votes

      Macquarie Bank through Card Services.
      Very tight when it comes to their credit cards. Good luck!

      •  

        if its issued by Macquarie Bank I avoid them now. they are the only bank that just keep declining me. I guess ive got too many enquires on my file and they don't like that.

        •  

          Have you ever held a credit card with Macquarie?

  •  

    too many credit cards

  •  

    Hey OP, quick question. Do they offer business accounts?
    Please excuse me, i know you dont work for Woolies or anything.
    Thanks in advance

  • +4 votes

    haha. Part of the application.

    I consent to be charged a fee if the balance of my account exceeds my credit limit.
    You can be charged a fee for exceeding your credit limit only if you have provided us with your express consent.

    Really!! who would?

  • +1 vote

    unsuccessful application :(

  •  

    I have applied for Woolworths credit card about 4 times and each time they've rejected my application. No idea why because I have a good credit score and I get instant approval from all other credit providers literally.

    • +1 vote

      Because it’s Macquarie, very tight, I hate to apply any credit cards issued by this bank, just a waste of a credit enquiry on my credit file.

      •  

        Yeah. In hindsight I feel so pissed off now that they've hampered my credit rating with no outcome.

        • +1 vote

          That’s why I don’t bother with this deal although some members successfully applied.

    •  

      too many cards probably. You're not worth their business

  •  

    Can you use more than $10 in one shop? Eg can I use all $100 in one shop or do I need to do 10 shops over $10?

    It’s unclear.

    •  

      Ten times.

      • -1 vote

        Yes. So just break it into lots of little shops instead of one big $100 shop. Get to say $12, say "I want to break it into a separate shop there and pay for what's been scanned so far". Or even easier just use a self-serve, and do the same thing yourself - there's no explaining necessary with this, and nobody standing right behind you getting annoyed that you're being slow. I do exactly this when I want to run down the balance of my rewards points, and I pay any extra over $10 with an eGift card, so it all takes longer than one big paywave transaction.

      • +1 vote

        Nope. You can use your points in one go. For example if you spend $105, you can redeem 20000 points ($100) and pay the remaining balance with other methods. And you can do this in-store and online.

    • +1 vote

      I have found if shopping online you can use all your points in one go. I cashed in $40 last week in one transaction.

  •  

    Do we also get the $50 gift card on top and the 14 months 0% balance transfer?