Woolworths Credit Card

Woolworths – or Woolies for short – is one of South Africa’s favourite store for food and clothing with many families spending a significant amount of their monthly grocery bill at Woolworths stores. If this sounds familiar, then a Woolworths credit card might just be the best credit card for you!

Designed to encourage – and reward – loyal Woolworths shoopers, the company offers 3 different tiers of card: Black, Gold and Silver. The Black and Gold cards attract a monthly fee, however also offer up to 3% cashback on your quarterly purchases! Even if you shop at non-Woolworths stores, your Woolwortsh credit card offers between 1% and 0.5% back in WRewards vouchers.

In addition, Woolworths credit card holders can get up to 15% back on monthly WRewards specials.

How to Apply for a Woolworths Credit Card

You can apply for a Woolworths credit card in any of their stores, however, you can also apply online with the online application form easily completed through this link.

When applying, please make sure you meet the various requirements (these are detailed below) to avoid disappointment.

Woolworths Credit Card Interest Rates & Fees

Whilst interest rates do fluctuate, at the time of writing, the interest rate on all Woolworths Credit Cards is 21%/annum on credit balances. In addition, there is a monthly fee of R86/mth for Woolworths Black Cards and R50/mth for Woolworths Gold Cards. The Silver Cards are free at this stage.

Whilst R86/mth might sounds like a lot, consider that you qualify for the following rebates as illustrated in our example:

R 5 000/mth Woolworths spend = £150 cashback
£ 3 000/mth non-Woolworths spend = R30 cashback
2x Free Coffees/Teas per mth = R50
TOTAL VALUE: R230
Less cost of Credit Card: R86

Woolworths Silver Credit Card

Woolworths Silver Credit Card gives you cashback on all Woolworths purchases

Woolworths Silver Credit Card offers an easy and low cost entry into the WRewards loyalty scheme as well as some attractive cashback options.


Apply Now

BENEFITS


* 1% back in vouchers on Woolworths purchases
* 0.5% back in vouchers on non-Woolworths purchases
* up to 55 days interest free
* 1% cashback on fuel/mth
* up to 55 days INTEREST FREE

REQUIREMENTS

  • Be 18 years of age or older
  • Have a valid RSA ID number
  • Earn in excess of R3,000.00 per month
  • Latest three payslips or the last three months’ bank statements
  • Utility bill or original bank statement dated within the last three months

FEES


Primary card: FREE
Secondary card: Free
Full fee breakdown

Woolworths Gold Credit Card

Boost your cashback with a Woolworths Gold Card

For double the cashback vouchers, get a Woolworths Gold Credit Card that gives you back 2% on all Woolworths purchases plus exclusive wRewards discounts.


Apply Now

BENEFITS


* 2% back in vouchers on Woolworths purchases
* 0.75% back in vouchers on non-Woolworths purchases
* up to 55 days interest free
* 1% cashback on fuel/mth
* up to 55 days INTEREST FREE

REQUIREMENTS

  • Be 18 years of age or older
  • Have a valid RSA ID number
  • Earn in excess of R12,000.00 per month
  • Latest three payslips or the last three months’ bank statements
  • Utility bill or original bank statement dated within the last three months

FEES


Primary card: R50.00/mth
Secondary card: Free
Full fee breakdown

Woolworths Black Credit Card

The prestigious Black Card from Woolies kicks back up to 3% on purchases!

With the Black Card from Woolworths you will be getting substantial kickbacks in the form of Wrewards vouchers each quarter. Plus get R50 worth of value every month by enjoying 2 cups of coffee or tea at any Woolies Cafe!


Apply Now

BENEFITS


* 3% back in vouchers on Woolworths purchases
* 1% back in vouchers on non-Woolworths purchases
* up to 55 days interest free
* 1% cashback on fuel/mth
* up to 55 days INTEREST FREE

REQUIREMENTS

  • Be 18 years of age or older
  • Have a valid RSA ID number
  • Earn in excess of R41,666.00 per month
  • Latest three payslips or the last three months’ bank statements
  • Utility bill or original bank statement dated within the last three months

FEES


Primary card: R86.00/mth
Secondary card: Free
Full fee breakdown

Woolworths Credit Card Contact Details

If you have any issues applying for your Woolworth Credit Card online, or would like further information, you can get in touch with Woolworths credit services under the contact details below:

email: creditcard@wfs.co.za
fax: 0861 50 20 06
tel: 0861 50 20 05

Woolworths credit card online login: login

The Woolworths credit card is issued by Absa Bank Ltd – Registration number: 1986/004794/06. An authorised financial services and registered credit provider NCRCP7.