Take up the card when they offer no fee. If offer is only no fee for first year only ring up each year and say you will cancel if they charge you and you will get it free. Pay all your bills and buy all purchases through this card and you will receive Woolworths vouchers 4 times a year. I usually get $60 so that's $240 a year for free. But always pay your account before due date so you pay no interest. One Xmas my card was used fraudulently os during the night. I woke up to 3 text messages telling me something was wrong. They fixed it all and sent me a new card.

This card is useful if you main supermarket is Woolworths
- 10% discount in Woolworths once per month
- Points which are converted to gift cards 3 times per year
- Card has rewards card on the back, one card less to keep in the wallet

Other features are usual for normal credit card: interest free period, average annual fee
No extras (like insurance etc.)
Better to not use it for international transactions
Also direct debit payments are processed quite slowly

Convenient card to use as an everyday credit card. Points earned can get converted to Qantas points. Get 10% off a weekend shop at Woolworths once a month. App was not the best I have used.

A good credit card with a good reward system, especially if you regularly shop with the Woolworths group. If you do not pay off the card in the interest free period the interest charged on the account is quite high. And there is a 10 cent charge if you want to receive your bills in the mail. But on the whole I find the card to be very good one . I like the convenience and multiplier effect of accumulating points via Woolworths. We calculated the best credit card for us based on the annual cost and the rewards paid. We are seeing our annual costs refunded in rewards in the first quarter! The Qantas points have been used around the house as required ie beater, bbq, toaster etc. When a dispute has arisen you get to speak to a local ( Kiwi).

As I pay all my bills and do all my shopping with this card, I must say it is a very pleasant surprise when I am rewardsed with a shopping card. I accumulate points from all the different stores that I shop and extra points at Woolworths. Redeeming the points is very convenient and an absolute bonus!

With everyday rewards on the back and the 10% discount each month for additional savings. Also gift cards due to the accumulation of points from using this card are an added bonus

The call centre people are pathetic and robotic, the new limit is this - cash advance $1000 only, must pay $300 back then if you want another $1000 you have to pay off the first amount - so that would be $1300 in total, stuck your card up your a**

User friendly; fast and efficient service from the customer team if needed. Overall a great card that will make your life easy on a day to day basis.
Definitely recommend it.

I Don’t use credit card overseas,did not transfer balance from other credit card,happy on the rewards satisfied simple to redeem need to spend more to get points cos you don’t get 1 points to any retailer...

Easily the best card on the market for everyday use. I treat it like my Bank account and put everything on it where there is a record of use easily accessed available on the app. Simple navigation on the app. with everything covered. A very helpful 'Help Desk' if you need them and you actually get to speak to someone, not waste time with a 'chat' line. Love the "Rewards' that accumulate with use.

Horrible. Took two months to get. The online system is random. Information provided is lost in transit. Security verification system failed. Today they randomly cancelled it and when called refused to provide any justification...Choose another credit card! Shame on Woolies and Macquarie who provide this service :(

Woolworths credit card made Easy to use. Love having my rewards card attached and I am happy to use my card as my main card for shopping to have the opportunity to save 10%.

Good to know that a 10% reward will come monthly. The card is easy to use and identifies the bearer with Woolworths staff at the checkout as an existing customer.

Woolworths credit card made my day to day shopping easy and I am happy to use my card as my main card for shopping with opportunity to save 10% discounts on perches.

Easiest card to use. Statements always available. And my rewards card is attached so I never forget that now. It’s the only credit card i have now. I love it

I use my card for everything and pay it off in full each month. Its the perfect card to earn bonus points that add up quickly and are easily redeemed. Plus there's often extra earners linked with the Woolworths Rewards Card. They're also only a quick call away if you have a query.