Woolworths credit cards offered Qantas Points or credit card points for your everyday spending but are no longer available. Here's what you need to know.
Credit card issuer Macquarie has announced that it will no longer offer Woolworths credit cards. Between June and August 2023, existing customers will have their Woolworths credit card replaced with a Macquarie Platinum Credit Card that earns points through the Macquarie Rewards program.
A Woolworths spokesperson told Finder: "We'd like to thank our credit card customers for their loyalty over the years and remind them they can continue to get great value offers they had with their credit card, including the bonus 10% off their monthly shop, through being customers of our Everyday Extra program, Everyday Insurance and Woolworths Mobile products."
We've kept other details about Woolworths Credit Cards below for reference. You can also compare a wide range of rewards credit cards available on Finder right now.
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Must read: Key dates for existing Woolworths credit card customers
May 2023: Macquarie will send you details about the move to a Macquarie credit card account. This will happen at least 30 days before the transition.
1 June 2023: If you don't want a Macquarie credit card, you need to pay off your card and close the account by this date.
June 2023: Any remaining points earned on a Woolworths Everyday credit card will be converted to Woolworths eGift Shopping Cards. Remaining points on a Woolworths Qantas Platinum Credit Card will be added to your Qantas Frequent Flyer balance.
30 September 2023: Until this date, you can still get 10% off your Woolworths grocery shop once a month when you scan the Everyday Rewards barcode on the back of your Woolworths credit card.
August to October 2023: Your Woolworths credit card will stop working.
Types of credit cards from Woolworths
Note: The details below relate to Woolworths credit cards when they were available in Australia (before April 2023). We have kept the details for reference for existing customers, however these accounts will not be available after October 2023. If you're an existing customer, contact Macquarie Bank on 1300 150 300 for specific details about your account.
Rewards credit cards
The Woolworths Everyday Platinum Credit Card earns credit card reward points per $1 spent on eligible purchases both at Woolworths and everywhere else. The points are automatically converted to Woolworths Shopping Cards every 4 months, with a minimum of 4,000 points equal to a $20 shopping card.
Frequent flyer credit cards
You can use the Woolworths Qantas Platinum Credit Card to earn Qantas Points on eligible spending, with a higher number of points per $1 offered at Woolworths. Other benefits include complimentary travel insurance, a concierge service and exclusive discounts at Woolworths Group retailers.
Must read: Standard and platinum Woolworths credit cards
If you're approved for a credit limit of $6,000 or more, you'll be able to enjoy more benefits with a Woolworths Everyday Platinum and Woolworths Qantas Platinum credit card. But if you're approved for a credit limit of less than $6,000, you will be issued with a Woolworths Everyday Card that does not offer platinum benefits.
Benefits of getting a Woolworths credit card
10% off at Woolworths once a month on selected dates
Each month, you'll receive an email offer for 10% off your shop at Woolworths when you scan the barcode on the back of your credit card and pay with it. This offer is available for spending up to $500, which means you can get a maximum of $50 off your shop. Keep in mind that this offer is not available in Tasmania and also excludes spending on certain items.
Everyday Rewards
If you link your Everyday Rewards account with a Woolworths credit card, you'll earn Everyday Rewards points when you shop at partner stores and scan the membership barcode on the back of your credit card before paying. This is in addition to the Qantas Points or credit card points you earn when paying with your credit card.
Earn more Qantas Points when you spend
If you're a member of Everyday Rewards and choose to earn Qantas Points instead of Everyday Rewards points, you'll get 1,000 frequent flyer points for every 2,000 Everyday Rewards points you earn. Apply for the Woolworths Platinum Qantas Credit Card and you can also rack up Qantas Points per $1 spent on all eligible purchases.
50% off selected wine cases at Cellarmasters
If you buy a selected white, red or mixed case online and pay with a Woolworths credit card, you'll get 50% off the regular price. Note that delivery charges still apply.
Save with up to 10% on Woolworths Insurance
Use your Woolworths credit card to pay for a new Woolworths Car, Home, Pet or Travel Insurance policy to save up to 10% on the cost.
Visa features and benefits
Woolworths credit cards come with Visa benefits including exclusive entertainment and ticket offers through Visa Entertainment, as well as shopping, dining and travel offers through Visa Offers + Perks. You can also enjoy Visa's worldwide acceptance, contactless payment options and fraud protection services.
Woolworths credit card online account
Check your balance, make payments and manage your Woolworths credit card account on-the-go through the Woolworths credit card website or via the Woolworths Money app.
Apple Pay
Add a Woolworths credit card to your Apple Pay account and you can make contactless payments straight from your mobile device.
How to apply for a Woolworths credit card
You can apply for a Woolworths credit card online in around 15 minutes. Before you get started, make sure you meet the application requirements and have all the details you'll need ready. This typically includes:
Eligibility criteria
Age. You must be at least 18 years of age to apply for a credit card.
Minimum income requirements. You must meet the minimum income listed for your chosen Woolworths credit card.
Residency status. You must be an Australian citizen, permanent resident of Australia or a temporary resident with a valid, eligible visa to apply for a Woolworths credit card. Note that additional requirements may apply if you are a temporary resident.
Required information
📄 Personal information. As well as some basic information about yourself, have your driver's licence handy. You may also be required to verify your identity by providing 100 points of identification.
📄 Income and employment details. You’ll need to input information about your income and employer. You may also be asked to provide proof of your income. For example, by submitting copies of your most recent payslips.
📄 Balance transfer details. If you want to save money on credit card repayments with a balance transfer, you’ll need the credit card you want to transfer from close by when you apply for the Woolworths credit card.
Frequently asked questions about Woolworths credit cards
Woolworths credit cards give you the following payment methods:
Payment method
Process
BPAY
You can use a nominated transaction or savings accounts to make repayments via BPAY. The BPAY biller code for Woolworths credit cards is 17574, and your credit card number serves as the customer reference number.
Direct debit
You can authorise direct debits to come from an approved Australian transaction or savings account. To do this, you need to fill in a direct debit request form, which you can get by logging in to your Woolworths credit card account online.
Woolworths and Macquarie Bank may update these payment methods from time to time, so check your credit card statement for current options.
Key details to keep in mind when you're paying your Woolworths credit card
Processing time. The repayments you make toward your credit card account will not show up in your account immediately. It can take several days for the transaction to be processed, so don't wait until your due date to make your repayments.
No repayments from overseas accounts. You can only make repayments from Australian accounts.
Payments in foreign currency. You have to make payments in Australian dollars, unless Macquarie Bank agrees to vary this condition. If the bank accepts a payment in a foreign currency, it will convert it to Australian dollars based on the standard exchange rate at the time of the transaction.
Direct debits. If you're setting up direct debits, it is your responsibility to ensure that the nominated account has sufficient funds on the date of the scheduled transfer. If you have insufficient funds in your account, you could have to pay a direct debit dishonour fee to your financial institution as well as to Macquarie Bank.
If you can't remember your credit card PIN, call the Woolworths customer contact centre on 1300 10 1234. Note that you may be required to provide identification information to verify your account and card.
A new card will be sent out to you in the mail. If you don’t get your card, call Woolworths Cards on 1300 10 1234.
Your credit limit is the maximum amount you'll be able to charge to your card. This is determined based on factors including your income, assets, debts and liabilities.
You can request a specific credit limit or you can request the maximum amount of credit you can get. If you have an existing credit card and want access to more credit, you can also apply for a credit limit increase.
You can check the credit limit for your Woolworths credit card online by logging in to your account at cards.woolworths.com.au. You can also check your limit on the Woolworths Money app or by calling Woolworths Cards on 1300 10 1234.
You can apply for an additional cardholder during the online application for a Woolworths credit card or by downloading an additional cardholder application from the Woolworths website.
You can find out more on our review pages. Supplementary cardholders must be over the age of 16 and an Australian resident. If you have a family member who is over the age of 18, they can also apply for a Woolworths credit card in their own name, providing they meet the eligibility requirements.
Woolworths credit cards are issued by Macquarie Bank.
Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio
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Amy has written 550 Finder guides across topics including:
hi
I bought a prepaid Master card today and I lost it. I have the receipt still with me. not sure who to contact.
Hamed
Finder
JonathanSeptember 21, 2015Finder
Hi Hamed, thanks for your question!
Please note that you have reached finder.com.au a comparison service and not Woolworths. I have sent the contact details for Woolworths to your email address.
Cheers,
Jonathan
BrianAugust 29, 2015
If I have an average credit rating.. Should I even bother to apply?
Finder
SallyAugust 31, 2015Finder
Hi Brian,
Thanks for your inquiry.
As long as you meet the application requirements for a credit card you will be eligible to apply. You may like to refer to our guide on credit card approval.
However, before you apply for another credit card, you may wish to speak with some credit card issuers directly to discuss your options and chances for acceptance, as several rejected credit card applications will have a negative impact on your credit rate and reduce your chances of approval even further.
I hope this has helped answer your questions.
Thanks,
Sally
nicoleAugust 13, 2015
Why can’t I access my silver credit card for withdrawals or any purchases after their 12th of the month as it gives me a FICA reminder, so question being what the use of having a credit card that limits you to the earliest time of the month when u have money but when needed like yesterday I couldn’t unacceptable need feedback asap please my direct contact number is X
Finder
JonathanAugust 14, 2015Finder
Hi Nicole, thanks for your question!
Please note that you have reached finder.com.au a comparison service and not an actual bank/ lender. To allow us to assist you further could you please inform us to which credit card you are using/ which bank you are a member of?
Cheers,
Jonathan
ntombiAugust 7, 2015
I want to open a credit card what must i do cos i cant find it?
Finder
JonathanAugust 10, 2015Finder
Hi ntombi,
Thanks for your inquiry!
Please note that finder.com.au is an online comparison service and is not directly affiliated with Woolworths.
If you have decided this card suits your needs, you can apply for this credit card by pressing the ‘Go to Site’ button which will take you to a secure web-form which will allow you to complete your credit card application. The application will only take you 10 to 15 minutes to complete if you have the required information (identification, income and expenses) ready. The eligibility requirements for the credit card are also available at the bottom of the review page to help assess whether the card is suitable for you.
I hope this has helped.
Cheers,
Jonathan
KatieJune 16, 2015
I have a platinum Visa card which is now interest free for the amount that’s on there, if I were to take more money out will that amount be taken off first or last? If it’s taken off last then it’s accumulating interest while I pay off the interest free?
Finder
JonathanJune 17, 2015Finder
Hi Katie, thanks for your inquiry!
In regards to interest repayments when there is an interest free amount/ promotional rate present on the credit card, repayments will go to the highest rate of interest repayable on that credit card then to the next highest rate of interest and so forth. As a result taking money out would qualify as a cash advance which would take the first priority for repayments unless there was a higher interest rate available.
Learn how to buy and use a Woolworths WISH gift card in-store and online.
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hi
I bought a prepaid Master card today and I lost it. I have the receipt still with me. not sure who to contact.
Hamed
Hi Hamed, thanks for your question!
Please note that you have reached finder.com.au a comparison service and not Woolworths. I have sent the contact details for Woolworths to your email address.
Cheers,
Jonathan
If I have an average credit rating.. Should I even bother to apply?
Hi Brian,
Thanks for your inquiry.
As long as you meet the application requirements for a credit card you will be eligible to apply. You may like to refer to our guide on credit card approval.
However, before you apply for another credit card, you may wish to speak with some credit card issuers directly to discuss your options and chances for acceptance, as several rejected credit card applications will have a negative impact on your credit rate and reduce your chances of approval even further.
I hope this has helped answer your questions.
Thanks,
Sally
Why can’t I access my silver credit card for withdrawals or any purchases after their 12th of the month as it gives me a FICA reminder, so question being what the use of having a credit card that limits you to the earliest time of the month when u have money but when needed like yesterday I couldn’t unacceptable need feedback asap please my direct contact number is X
Hi Nicole, thanks for your question!
Please note that you have reached finder.com.au a comparison service and not an actual bank/ lender. To allow us to assist you further could you please inform us to which credit card you are using/ which bank you are a member of?
Cheers,
Jonathan
I want to open a credit card what must i do cos i cant find it?
Hi ntombi,
Thanks for your inquiry!
Please note that finder.com.au is an online comparison service and is not directly affiliated with Woolworths.
If you have decided this card suits your needs, you can apply for this credit card by pressing the ‘Go to Site’ button which will take you to a secure web-form which will allow you to complete your credit card application. The application will only take you 10 to 15 minutes to complete if you have the required information (identification, income and expenses) ready. The eligibility requirements for the credit card are also available at the bottom of the review page to help assess whether the card is suitable for you.
I hope this has helped.
Cheers,
Jonathan
I have a platinum Visa card which is now interest free for the amount that’s on there, if I were to take more money out will that amount be taken off first or last? If it’s taken off last then it’s accumulating interest while I pay off the interest free?
Hi Katie, thanks for your inquiry!
In regards to interest repayments when there is an interest free amount/ promotional rate present on the credit card, repayments will go to the highest rate of interest repayable on that credit card then to the next highest rate of interest and so forth. As a result taking money out would qualify as a cash advance which would take the first priority for repayments unless there was a higher interest rate available.
Cheers,
Jonathan