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Woolworths WISH eGift Cards 5.55% off @ Cashrewards

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Woolworths WISH eGift Cards 5.55% off @ Cashrewards
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Store Reptightarse on 08/06/2017 - 08:42 cashrewards.com.au (3702 clicks)
Last edited 09/06/2017 - 17:12

Woolworths has been able to offer us the best in-market rate for a couple of days. These can be used to purchase in-store or online at Woolworths Supermarkets, BIG W, Dan Murphy's, Cellarmasters, BWS, and Caltex Woolworths Petrol. Available in denominations of $5 to $500 in any quantity, have a 12 month expiry, are multiple use, and have no minimum spend. Don't forget you can stack your gift card savings with additional cashback when you purchase from Dan Murphy’s, Cellarmasters, BWS or Woolworths Supermarkets online through Cashrewards. Offer expires 11:59pm AEST June 9. Extended to 11:59pm AEST Sunday, June 11. Enjoy :)

Remember to Refer-a-Mate for $5 each
And download our Cashback Notifier

Credit to cwongtech from a previous post for the table below showing which fuel outlets accept WISH…

Independent Caltex Co-branded Caltex Woolworths Owned Caltex
"Starmart"/Myer One Points Maybe Maybe No
Accepts 4c Fuel Voucher No Yes Yes
Accepts Woolworths WISH (Physical) No Yes Yes
Accepts Woolworths eGift Voucher No No Yes

Referral Links

Referral: random (3768)

$10 for referee and $10 for referrer, after referee makes $20 purchase within 14 days.

Groceries Gift Card

Related Stores

Cashrewards
Cashrewards
Third-Party
Woolworths Gift Cards
Woolworths Gift Cards

closed Comments

  • ashdays on 08/06/2017 - 08:43
    +1

    Nice one. Thanks

  • Scab on 08/06/2017 - 08:46
    +15

    Thanks Tightarse, I've told all my family and friends about how tight you are.

  • madfree on 08/06/2017 - 08:46
    +4

    WOW. I literally bought a huge giftcard last night thinking nothing like this will happen. Sad day. I might as well stock up then. Thanks TA

    • Japius on 08/06/2017 - 08:55
      +5

      same, I remember thinking as I purchased it that a 7% discount has to be due soon…I can live with missing the extra 0.55%

    • Peck on 08/06/2017 - 11:28

      I agree - buy more, and dollar cost average!
      Hopefully the resellers of gift cards will boost their deals too :))

      • illumination on 08/06/2017 - 11:35

        What resellers? :P

        • Peck on 08/06/2017 - 11:36

          Zip ;)

  • syba on 08/06/2017 - 08:54
    +16

    Equates to an extra $0.55 saving per $100. It all helps - thanks TA.

    I've heard that some people spend thousands of dollars (some tens of thousands) on these when the discount increases. I just don't understand that. Sure you save a little more money, but you've then tied up all your money in these. Eg, if you have an offset account with a loan, if you don't spend your eGift card within about 2 months (or add up to another month if you pay with credit card at the beginning of the card cycle so have up to an extra month to pay that back), you are better off leaving money sitting in your offset account and just buying a eGift card at 5% off when you need it. If you aren't spending it until 6mths later whats the point?

    • Kapitoshka on 08/06/2017 - 09:06
      +1

      Hey Syba, that is one side of the logic. Here is another perspective (e.g. some people have different ways of doing things): We have a motorcycle (for commuting) and a car (for work) in household, 2 pre-paid mobiles and minimal Woolworth shopping (at least once a week they do have real specials for non perishable items).
      So here it is. We buy at least $30 worth of items from Woolies a week - gives us plain 5ish% off and 4c per litre discount on petrol. At the end of the week I buy bulk fuel at Woolworth/Caltex station and add $30 recharge for mobiles. That gives me 5ish% discount on recharges, extra 4c discount per litre of fuel which in combination with supermarket discount bumps to 8ish%. Now, I don't think any offset account will give you back as much as what I mentioned above (mind you bulk fuel purchase we are talking about 100+ litres a week which comes at handy 13% + discount). On top of that most of the saving accounts will be reported at the end of the year for tax purposes… etc. There is more to it, but I hope you can see now that everyone is different and there are ways for decent savings with those cards.

      • Love a bargain on 08/06/2017 - 09:22
        +12

        No one is doubting the benefit/ value in the base 5% off.

        I think what Syba is getting at is that the extra discount (ie the 0.55%) is not sufficient to compensate for the loss of interest when people stock up on these & end up taking months & months to use them up.

        • Kapitoshka on 08/06/2017 - 09:38
          +1

          Fair enough :-)

        • eclaw on 08/06/2017 - 12:18
          +1

          By my calculations it will take 50 days for a 100% offset account @ 4% interest to "save" 0.55%.

          Food for thought.

        • pifts on 08/06/2017 - 12:42
          +1

          @eclaw: What account has 4% interest? Heard those words from a thread away and came right over.

        • Love a bargain on 08/06/2017 - 12:50
          +4

          @pifts:

          Offset account - so it's interest saved on the linked home loan (rather than actually interest earned)

      • EnALup on 08/06/2017 - 12:18
        -1

        You get all those discounts when you purchase Gift Cards from Cashrewards or other retailers at 5% discount as well. It is additional .5% discount Syba was asking about you can save putting in your offset account saving over 4%.

      • donotuse on 08/06/2017 - 19:22
        +1

        Also, if you're paying with a Credit Card, you save up to extra 55 days of offset interest. And if you're on promotional 0% credit card rate on purchases, it can further be extended.

    • KingJuf on 08/06/2017 - 09:07
      +1

      Obviously some people use it to rack up their points or min spend for CC. Would definitely make more sense to have savings in an offset if that was the case.

      • cwongtech on 08/06/2017 - 12:06
        +1

        rack up their points or min spend for CC.

        Min spend is a good one.
        It effectively spreads out your "spend XYZ amount in 3 months" to over a year at woolies.
        You can do opal recharges, fill up fuel, groceries, milk, avocados.. so you can smash them yourself..
        Living in Sydney is expensive!

        • Doggiie on 08/06/2017 - 13:40
          +4

          Love the Opal recharged on Woolies GCs. It saves me 1 trip per 20 (which although sounds like nothing, it definitely builds up over time).

    • team teri on 08/06/2017 - 09:52
      +5

      And then there are people who don't have an offset account and compare against savings sitting in the bank. With 3% about the best they can hope for, which might come to less than 2% after tax the calculation is quite different.

      But yeah, the extra 0.55% don't make me jump up and down in joy. But the extra 5% (when Big-W was selling the physical cards at 10% discount) were a very nice bonus.

      • [Deactivated] on 08/06/2017 - 10:47
        +1

        Actually if you're making 3% p.a. your monthly interest rate is approx 0.25%.

        • Love a bargain on 08/06/2017 - 12:02
          +1

          Taking this example further, 0.25% per month is 0.175% after tax if your marginal tax rate is 30% (ok, not really a possible personal tax rate but just using it to make the maths easier).

          0.55% is approximately 3 times 0.175%.

          Assuming your spending is even over any given period, it means you'll come out approximately the same if you buy 6- month worth of egift card @ 5.55% off vs if you buy them at 5% off as you need them.

          But, of cos, we're not looking to come out square (otherwise, what's the point of doing it). To come out ahead, you've gotta buy less than the breakeven qty.

          Personally, using this example, I'd probably aim to stock up about 2-4 months worth or so.

          PS. Before anyone points it out, yes, I've ignored any compounding of interest because life is already complicated enough.

      • cwongtech on 08/06/2017 - 12:08

        Let's not forget the time value of money and that inflation is 2.1%.
        So you're really getting a ~0.9% return by waiting a year for your money to mature in a TD

        • [Deactivated] on 11/06/2017 - 00:39

          Don't forget that if you actually run out of eGift cards you lose 5% outright of your spend! So if you stock up on 5.55% just a few months in advance you're probably safe and the totals aren't really worth worrying about unless you need to spend the money elsewhere!

    • [Deactivated] on 08/06/2017 - 10:14

      of course if you just have the money sitting in the bank & getting 2-3% it might be worth it. it's take me about 5mths to lose the amount of interest (which is then taxed) saved by the extra .25%

      we chew through at least $500/mth, so I used @POTM and get 7% off. that saves me an extra $10/mth over usual CR, which = free Dan members 6pack. liquid assets are important.

      • Love a bargain on 08/06/2017 - 12:05

        What's POTM?

        • wreckedandjealous on 08/06/2017 - 12:17
          +3

          an ozbargainer who was selling wish cards for 7% via the classifieds.. now he does it via pm only.

        • nmehta on 08/06/2017 - 14:44

          @wreckedandjealous:
          Yup - just bought some from him yesterday like I've done in the past. Fast in responding and giftcard sent directly to you too.

        • Love a bargain on 08/06/2017 - 23:56

          @wreckedandjealous:

          I see. Thanks for the explanation. I'm better off just buying via CR with my AMEX Plat Edge card.

  • Selenium on 08/06/2017 - 08:55
    +4

    Dang. Just bought one last night.

    Ah well, it's never a huge difference. If it was 10% off I'd be foaming at the mouth, ha.

  • ashftc on 08/06/2017 - 09:14

    Can we buy vouchers such as of JB HIFI from Woolworths store and pay from these vouchers to get 5% off on those vouchers?

    • tajid on 08/06/2017 - 09:21
      +2

      You can but there are others selling them at better rates.

      • ashftc on 08/06/2017 - 10:32
        +1

        You can but JB HIFI was just an example. Woolies have a range of vouchers available from all different vendors and of course, if time is your enemy, one can always fetch one immediately.

        • illumination on 08/06/2017 - 10:37
          +1

          Be aware some of them don't activate instantly. I know a lot of them say 24 hours but activate instant anyway, but I've had some that actually take longer (Sportsgirl, as an example).

        • ashftc on 08/06/2017 - 10:46

          @illumination:

          Great to know all this. Especially when planning to buy a lot of stuff for new home. Any idea if something can be saved for Ikea? Do woolies sell their vouchers or something else?

        • illumination on 08/06/2017 - 10:47
          +1

          @ashftc: Ikea.. nope, nothing in mind.

          Only thing I would say is:

          • Join the IKEA Family Club for the odd "member" discount
          • Pay with a Credit Card to earn some points on your purchase - I believe they do not accept AMEX

          Oh and

          • If you know anyone who works there, get them to buy the item for you. I know they get some sort of discount.
        • ashftc on 08/06/2017 - 11:04

          @illumination:

          Awesome. Thanks for your response mate.

        • aragornelessar on 08/06/2017 - 11:29

          @illumination:

          If you mean in store, I don't think they take AMEX from memory (at Rhodes & Marsden Park NSW). I faintly remember being disappointed in not being able to get all the points for that expensive trip through the maze

        • tajid on 08/06/2017 - 12:23

          @illumination: Yes I had some JB Hifi cards that literally took 24 hours to activate. I went to the JB shop with them and embarassed myself, while e-giftcards are generally activated instantly.

      • swanny246 on 08/06/2017 - 12:20
        +1

        Any examples? Thinking of getting some new headphones so would be keen for any JB Hifi gift cards on the cheap.

    • gadgetguy on 08/06/2017 - 09:25
      +1

      Check if your employer or health insurance etc offers any discount scheme. My one (MyDiscounts) offers 7.5% on JB and was up to 9% this week as a special.

    • Selenium on 08/06/2017 - 17:35

      Yep. Did so today to get a cheaper preorder at JB.

      Otherwise I regularly do so with EB cards.

  • Turd on 08/06/2017 - 09:16
    +2

    With plat edge this is great!!!

  • googoogaga on 08/06/2017 - 09:17
    +1

    now it only costs 7c to buy visa/eftpos cards instead of 65c, Thanks!

  • bigeater on 08/06/2017 - 09:24

    thanks TA!
    btw, anyone could please tell me the difference between a Co-branded & Woolworths Owned Caltex?

    • magifico on 08/06/2017 - 09:39
      -2

      forget abt their petrol, fill up with BP is a better choice.

      • illumination on 08/06/2017 - 10:24

        Why?

        • Cluster on 08/06/2017 - 11:07
          -2

          BP has slicker marketing for the same product. 91 and diesel are identical, and there may be a marginal difference in the 98 octane product.

        • magifico on 08/06/2017 - 12:15

          Not quite sure, my friend who is machinist strongly recommend me this… And u can always see some cabs there. Who knows petrol performance better than a taxi driver?

        • Cluster on 08/06/2017 - 13:01
          +5

          @magifico: If I wanted an expert opinion on petrol I would ask a scientist in the field, an engineer working in the fuel industry, or an independent tester like Choice. I wouldn't ask a taxi driver.

          Maybe we should ask BP for their expert opinion.

          https://www.youtube.com/watch?v=vGqKuV30kVw

          Apparently cars not using BP fuel are dragged down by huge pink boat anchors. BP's fuel sends a thousand ravenous piranhas down your fuel lines to eat all the filthy dirt. Breathing fuel fumes makes you hallucinate and see talking green orbs.

        • magifico on 08/06/2017 - 16:51

          @Cluster: Erm…It gonna be a long story to tell which petrol is better…

        • Vodafail on 09/06/2017 - 10:53

          @magifico: cab drivers rarely own their vehicles, they always go for the cheapest place to fuel up. or the closest to where the exchange base is located.

      • [Deactivated] on 08/06/2017 - 11:06

        With Amex spend $40 get $10 back.

  • T-man on 08/06/2017 - 09:35

    ahhhh, just bought $1000 last night

    • DaTa on 08/06/2017 - 09:37

      And I just bought 400 the other day because I havnt seen it get bumped in awhile I've been relying on these more and more, don't have money for food but I've got a egift card to feed me during the poor weeks

      • t25 on 08/06/2017 - 09:52

        Wouldn't it be better to buy just enough for a weekly spend? Since it is an on going special.

        • [Deactivated] on 08/06/2017 - 11:07

          Yes don't see any value in buying more than you need.

  • castaway on 08/06/2017 - 09:50

    I never buy anything based on cashrewards offer because it takes long time to get refund and it requires minimum amount in order to transfer it back to your bank account. In stead of using Entertainment book, I can get the real cash for 5% instanly.

    Cashreward is just for additional bonus.

    • doweyy on 08/06/2017 - 09:52
      +3

      But you have to pay $60 for the entertainment book yearly, cash rewards is a free service.

      • Clear on 08/06/2017 - 09:59

        And entertainment book has a tiny selection in comparison and doesn't offer sitewide cashback.

      • castaway on 08/06/2017 - 11:41
        +1

        yeah agree but people buy Enterntainment Book not just for this Woolies thing, 1-2 meals in restaurants will help you out that 60$ already. I thought you only can get real cash back transfered to your bank account for a block of 30$ ? Dont get me wrong, I used cashback for all purchased like ebay, groupon, hotels, etc …

    • Turd on 08/06/2017 - 09:58
      +6

      Dude… this is 5.55% instantly as well!

      Bought $5000 cost me $4722.50.

      lol rekt

    • nrg2010 on 08/06/2017 - 10:01

      Same as the Woolies deal, the 5% of is instant I.e. pay 475 for 500

    • illumination on 08/06/2017 - 10:34

      Cashreward is just for additional bonus.

      Exactly. It's not a substitute for Entertainment Book - they offer different things (besides the Woolies Gift Cards).

  • knowwhat on 08/06/2017 - 09:51

    Can you use the egift cards to pay Woolworths insurance?

    • [Deactivated] on 08/06/2017 - 10:16

      alas no :-(

  • karansuper on 08/06/2017 - 09:59

    What happened to the user that used to give 7% off wish cards? Can anyone let me know why the post was removed?

    • Turd on 08/06/2017 - 10:00

      ptom

      • karansuper on 08/06/2017 - 10:02

        Yeah. His posts were removed. Do you know why?

        • tajid on 08/06/2017 - 10:12

          XX

        • illumination on 08/06/2017 - 10:44

          Summary: We are not allowed to advertise/sell them anymore. Considered to be "running a side business"

        • EFC94 on 08/06/2017 - 11:17

          @Clear: Was legit looking for this post a couple of days ago and couldn't find it. Cheers :)

        • pifts on 08/06/2017 - 12:44

          @illumination: What if I just wanted to send a private message, to help a mate get some points I don't get anyway?

        • illumination on 08/06/2017 - 13:13

          @pifts: I'm personally fine with that and have still been doing it via this method for those that were aware of me doing this.

        • Rollie on 09/06/2017 - 15:14
          +1

          @illumination: I can vouch for illumination if you want to purchase egiftcards at 7%

      • potm on 08/06/2017 - 10:48
        +6

        Trud 😋

        • Turd on 08/06/2017 - 10:56
          +1

          !!!ih

    • iSamurai on 08/06/2017 - 12:24

      Side note with the 7%:

      If you have a CBA diamond card you are effectively getting 6.424% off if you pay with amex and redeem supermarket gift cards, plus interest made during the interest free period.

      Unfortunately CBA is reducing the earn rate for amex on 1/7 so this won't work as well anymore.

      • syba on 08/06/2017 - 14:25
        +2

        But if you were just using your credit card in the shops you would still be getting this extra 1.x% back anyway. So you are still only saving an extra 5% by getting the eGift cards.

        • iSamurai on 08/06/2017 - 18:58

          True, didn't think of it that way :P

  • Naed on 08/06/2017 - 10:34
    +1

    If like me your convenient local Caltex is a co-branded store that doesn't accept eGift Cards then you can just buy the Woolworths Petrol Gift Cards from Woolworths using eGift Cards. Annoying but saves on the delivery fee to get physical gift cards through Cash Rewards.

    • [Deactivated] on 08/06/2017 - 11:11
      -1

      Not sure that's allowed.

    • cwongtech on 08/06/2017 - 11:39
      +2

      Why buy petrol gift cards?
      Buy WISH cards instore and pay with egift :)
      Don't lock yourself into just being able to pay for petrol :P

      • Naed on 08/06/2017 - 11:46
        +1

        That makes more sense again, though I've only ever had an issue with needing physical cards at Caltex. I hate the physical cards because they're painful to enter for tracking in the Woolworths Money app. Now that you can import into the app directly from the eGift Card email it's very convenient.

        • cwongtech on 08/06/2017 - 12:02
          +1

          For me, there's only two reasons for using a WISH card over eGift.
          - Parents prefer a card rather than an app
          - Accepted at ALL caltex stations that also accept **4c vouchers, since some do not accept egift.

  • 8azinga on 08/06/2017 - 10:40
    +1

    Anyone know if the egift card site will count as a double/triple points when the credit card/amex points changes happen next month or will it go to 1 or less?

    • illumination on 08/06/2017 - 10:45
      +1

      That shouldn't change the merchant type..? That's purely down to the merchant type.

      • 8azinga on 08/06/2017 - 12:37

        What type of merchant is the egift site classified as though? Since it is Woolworths, will it be under the supermarket merchant and still have full AMEX points or will it be classified as other merchants which have their points reduced?

        • potm on 08/06/2017 - 13:50
          +1

          Direct issued Amex treats it as supermarket spend.
          Different organisations might treat it differently. Which one are you referring to with reducing in points? Quite a few a changing but direct issued Amex cards are mostly staying the same.

        • illumination on 08/06/2017 - 14:02
          +1

          To answer your question, the egift site is Everydayrewards.com.au and the transaction is tagged as a Supermarket transaction.

          I think I know what you mean by "full AMEX points" - but the only places I can think of that do not do "full AMEX points" are government bodies (e.g. ATO, RMS).
          Some AMEX cards (Platinum Edge & DJs Platinum?) give supermarket bonus points - which these transactions qualify for.

        • Neoika on 08/06/2017 - 22:02
          +1

          @illumination: The website is everydaygiftcards.com.au,not everydayrewards.com.au.

        • illumination on 08/06/2017 - 22:45

          @Neoika: Oh yes whoops my bad. Makes a lot of sense. Everyday Rewards isn't even a thing anymore haha

        • 8azinga on 08/06/2017 - 23:32

          @potm:
          @illumination:
          Thanks. I should have specified bank issued Amex cards, specifically CBA since from July 1, only supermarkets, department stores and petrol stations in Australia & overseas transactions get the current 3 points for Diamond cards. All other transactions only get 0.5 pts so would be better using a different card if it isnt a supermarket transaction.
          Wanted to know whether to stock up a little extra on egift cards for more points.

  • doublezero1 on 08/06/2017 - 10:41
    +1

    I was patiently waiting for one of these deals. Thanks TA!

  • Turd on 08/06/2017 - 11:06

    Ordered 09:26AM, Got egift Cards at 11:00AM

    Woolies is super fast!

  • Cluster on 08/06/2017 - 11:11
    +3

    I've been using eGift cards for about 2 years now and love it. That extra 5% off adds up to several hundred dollars saved per year for me.

    But, I have only ever seen one other person ever use them at Woolworths/Caltex/Big/Dan/etc, and I don't live in an affluent suburb. How many people here see other savvy shoppers getting the discount?

    I mentioned eGift cards to two of my good friends, who are struggling a bit with money, and both weren't impressed at all with 5% off. For them it wasn't worth bothering with.

    • EFC94 on 08/06/2017 - 11:20
      +6

      I work in the checkouts at Woolworths, probably only 1 out of every 100 people use an egift card. Too much hassle for some, but I think they're great.

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