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$0 Annual Fee Ongoing When Applying Woolworths Credit Card + 20k Reward Points (Worth $100)

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$0 Annual Fee Ongoing When Applying Woolworths Credit Card + 20k Reward Points (Worth $100)
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BruceJack on 31/03/2019 - 14:19 files.ozbargain.com.au (2254 clicks)
Last edited 31/03/2019 - 14:40 by 1 other user

Received this in my email. Seems to be targeted offer. Save your annual fee when you apply via the link in the email.Plus, you can't get 20k reward points (worth $100).

A good card for your monthly shopping in Woolworths. Receive 10% off on selected dates, valued up to $50.

T&C
Offer is limited to new applicants only who apply by clicking on the link through this email. To be eligible for this offer you must apply for a Woolworths Everyday Platinum Credit Card between 12:01am (AEDT) 31 March and 11:59pm (AEST) 30 April 2019. Primary or additional cardholder annual fees may be introduced or varied in future. You will not be eligible for the $0 annual fee offer if you do not apply through the link in this email.

~ 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 (AEDT) 31 March and 11:59pm (AEST) 30 April 2019, are approved and make an eligible purchase on their Woolworths Everyday Credit Card by 11:59pm (AEST) 31 May 2019. Your 20,000 bonus 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 Credit Card Conditions of Use and your account remains open. An eligible purchase is any purchase excluding balance transfers, cash advances, cash substitutes and transactions for gambling purposes. Woolworths Rewards program terms and conditions apply. Woolworths Rewards is not available in Tasmania. You will not be eligible for the 20,000 bonus Woolworths Rewards Points if you do not apply through the link in this email.

Financial Credit Card

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Woolworths
Everyday Rewards
Everyday Rewards

closed Comments

  • [Deactivated] on 31/03/2019 - 14:34
    +1

    I got the email. Also mentioned 14 months 0% balance transfer for those so inclined.

  • doweyy on 31/03/2019 - 14:51
    +1

    It should be untargeted through this link I think? Seems to just be for any EDR member who hasn't got this card before.

    • BruceJack on 31/03/2019 - 14:52

      No idea. It says "member exclusive" but never defined what is member and what is the degree of exclusive.

    • blighst on 31/03/2019 - 14:52

      Yes the 20k points, but I don't see the $0 ongoing fee

      • doweyy on 31/03/2019 - 14:54

        Ahh yeah that might be the difference! I got the email, so maybe that part is only for targeted members.

      • Neoika on 31/03/2019 - 14:59
        +1

        Even with "$0 annual fee ongoing", "Primary or additional cardholder annual fees may be introduced or varied in future" still applies. I can confirm the Apply now link that refers to "OfferCode=A327084" gets you $0 annual fee ongoing offer. It is the same code as the offer in Feb.

        • kranix on 01/04/2019 - 11:57
          +2

          This link, I presume?

          • Neoika on 02/04/2019 - 18:40
            +1

            @kranix: It definitely works. My card sheet say annual fee $0 and I got 20k pts yesterday, within 7 weeks of 1st transaction. I did not originally get this offer on my rewards card.

      • BuyNowThinkLater on 31/03/2019 - 15:04

        Hi, can you please elaborate on "ongoing fee"? Does that mean 0 annual fee forever?

        • [Deactivated] on 31/03/2019 - 15:09
          +1

          Yes, or to elaborate yes that is correct

          • DangerDave11 on 31/03/2019 - 23:13

            @[Deactivated]: Are you sure this is correct? In the fees section of the terms and conditions is says 0 for first year $49 for subsequent years

            • [Deactivated] on 31/03/2019 - 23:48

              @DangerDave11: My email says

              Primary or additional cardholder annual fees may be introduced or varied in future. You will not be eligible for the $0 annual fee offer if you do not apply through the link in this email.

    • asa79 on 31/03/2019 - 17:57

      You don't get the continued annual fee free if you dont apply via email link

  • Mikebriz on 31/03/2019 - 15:13
    +1

    Primary or additional cardholder annual fees may be introduced or varied in future.

    If they can’t guarantee no ongoing annual fee then no deal.

  • murkywater on 31/03/2019 - 15:24
    +1

    1 woolworths point per dollar spent equates to 0.5% return for those not shopping much at woolworths.

    Better deal at HSBC Platinum, refunded annual fee after $6000 annual spend, and a return of 0.62%.

  • kehuehue on 31/03/2019 - 16:28

    Application unsuccessful, wtf seriously, this is the 3rd time now… is it because i mention i have a 29000 credit limit on my Coles card?

    I want free $100 worth of shopping!

    • Neoika on 31/03/2019 - 16:40

      It has been 6 weeks since my 1st transaction and no 20k pts yet. Do not expect it turn up till the 8th week or I need to contact them.

    • T-man on 31/03/2019 - 16:40

      I believe that their card is issued by Macquarie Bank, one of the very conservative lenders. My credit rating is good and I have no problems with other banks but Macquarie.

    • gooddealmate on 31/03/2019 - 16:44

      wtf seriously, this is the 3rd time now…

      I wouldn't bother a 4th time mate, I would have accepted their 1st response.. 😉

      • kehuehue on 01/04/2019 - 00:31

        Nah the previous offers were from different banks offering like 200$ish or so

    • ely on 31/03/2019 - 19:06
      +2

      Possibly the 29k limit. Just reduce it, unless you've got some massive balance transfer on it.

      • kehuehue on 01/04/2019 - 00:30

        I always pay up in full every month (just a couple of hundreds in grocery shopping)

        I think I’m gonna get rid of my coles card - cost me so many free cash deals lol

        • ely on 01/04/2019 - 15:07
          +1

          It's not the payment history, it's that you have such a large limit (I have similar issues; mine is insane at the moment, but the largest is a Virgin one with a 0% "balance transfer", the balance of which is sitting on my mortgage saving me about $1,600 in interest over the lifespan of the BT, so I'm reluctant to pay it off…). With the change in how the ability to repay must be calculated since the start of this year (IIRC going from "can make minimum repayments at max balance" to "can pay off whole balance in three years") credit limits have dropped considerably, and large legacy limits may prevent new cards from being issued.

          You don't need to cancel though, just reduce the limit to something that you actually use.

          • kehuehue on 01/04/2019 - 16:06

            @ely: Cheers, will ask them to do so

        • XJX on 07/04/2019 - 18:05

          It's not the 26k limit alone, mine is 23.5k and I didn't have problems getting this approved today.

          • kehuehue on 07/04/2019 - 21:31

            @XJX: Ive reduced mine to 6k limit and asked Woolworths to reassess my application (informing them about the reduced limit)

    • random12 on 18/04/2019 - 18:21

      Why did coles even give you a $29 000 limit on their credit card?

      Even getting a limit that higher would be relatively hard at a major bank. Coles (now citibank) is a small bank. Very hard to get large limits from them.

      • kehuehue on 18/04/2019 - 18:39

        No idea, I guess they figured its my first card and would limit me getting more cards. Plus ive got calls from them to take out a loan on the card (their reason was because i always paid large amounts before i could be charged interest) and they will reduce the interest rate or whatever

        Also they probably figured my job situation is stable? idk lol

  • asa79 on 31/03/2019 - 17:53

    Annual Primary Cardholder Fee Subsequent Years $49

    2 Offer is limited to new applicants only who apply by clicking on the link through their email. To be eligible for this offer you must apply for a Woolworths Everyday Platinum Credit Card between 12:01am (AEDT) 31 March 2019 and 11:59pm (AEST) 30 April 2019. Primary or additional cardholder annual fees may be introduced or varied in future. You will not be eligible for the $0 annual fee offer if you do not apply through the link in your email.

  • ocoolio on 31/03/2019 - 18:01

    I have this card for years now - how do I get the $0 yearly fee? :(

    • JIMB0 on 31/03/2019 - 18:51
      +1

      Call and threaten to cancel the card.

      • Moo Deng on 31/03/2019 - 19:11

        They have only ever offer to halve the annual fee with me.

        • kimyongjeon on 31/03/2019 - 19:57

          I told them I would cancel my card then they waved annual fee for me

          • ocoolio on 31/03/2019 - 20:02

            @kimyongjeon: Tried that, they (offshore call centre) said fine, cancel if you want, so I just paid it. Worst day of my life

          • ascorbic on 01/04/2019 - 00:06
            +1

            @kimyongjeon: When did you do that? Because as of 1 January 2019, credit providers are no longer allowed to give retention offers if a customer requests to cancel the card. I'd be interested in how exactly you asked them if it was this year.

  • yht on 31/03/2019 - 23:07
    +1

    Will we all eligible by clicking the link provided here then? Or they will have the record who did they send the offer to?

    • Bargaphile on 01/04/2019 - 18:25

      I want to know also

  • argonbay on 01/04/2019 - 01:15

    Looks like woolies nominate 2 days each month for 10% discount. Days are not the same for in store (Saturday & Sunday) and on-line (Friday and Sunday). Discount is only for first shop on any nominated date. Excludes gift cards and other items. Max saving is $50 on a $500 spend. Does not look like it can be stacked with voucher codes or other offers.

    ^10% discount offer applies to existing Woolworths Credit Card holders who make a purchase (i) at any Woolworths supermarket between 12:01am (AEDT) of the selected Saturday and 11:59pm (AEDT) of the selected Sunday for that month; or (ii) online at woolworths.com.au between 12:01am (AEDT) of the selected Friday and 11:59pm (AEDT) of the selected Sunday for that month (“the Offer Period”). Primary Cardholders will be notified via email prior to commencement of 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 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 before the online checkout at woolworths.com.au, and spend $30 or more for Pick up orders or $50 or more for Home Delivery orders. Any first shop made during the offer period where you scan the Rewards barcode on the back of your credit card will receive the 10% discount. Excludes any vouchers or offers or Delivery Saver items, bag fee and crate service fee, internet cafes, purchases of smoking/tobacco products and accessories, Gift Cards (including iTunes), mobile recharge, Woolworths Mobile, travel cards and tickets, woolworthsflowers.com.au , Carpet Care and lottery products. Bag fees and crate service fees apply for Pick up and Delivery orders. This offer cannot be used with a Woolworths Online business account (i.e. an account with an ABN or Business Name). 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. $600 is calculated based on the maximum savings that can be earned if a customer makes a single transaction valued at $500 (and therefore obtains the maximum saving of $50) every month for 12 months.

    • Nella on 02/04/2019 - 10:26

      I've had my card for years. Most times if I complain they credit the annual fee back to me afterwards. The 10% discount one weekend per month is sent via email to remind me which week it is so I make sure I do a big shop to get the max discount. I just scan my everyday rewards card dont have to scan back of credit card. Not sure about all gift cards but I have definately purchased xbox gift cards for my kids and mobile prepaid vouchers and recieved the 10% discount. They also send me woolworths gift cards when I have accumulated points using the CC which is an added bonus.

  • yht on 04/04/2019 - 13:14

    Can anyone please explain whether the transfer balance is worth it? I never have one previously, but from what I read, once you have it, you do not spend on the card as the interest will be calculated for that purchase. Is that right?
    Lets say I apply for $14k balance transfer, meaning I will have to pay $1000 per month for 14 months. If I make a new purchase of $1000 in the second month, if I pay $2000 in the third month, will it be squared?

    • grasstown on 05/04/2019 - 09:13

      Purchases made after balance transfer

      Hopefully someone else can help you, but I believe that any payment to a credit card pays off the component that atttracts highest interest first, so I believe what you have said is correct. This was not always the case, but has been the case for all credit cards applied for since a few years back. It is not the case for cards applied for before the change.

      Monthly payment

      For the 14k balance transfer you say, you only need to pay back the minimum payment each month, not $1000. Then at 14 months you have to pay everything that you still owe on that 14k balance transferred.

      If you still owe on that 14k balance transferred after 14 months

      Read the terms and conditions, which I havnt, but I understand that it could be that it will calculate normal high interest for the unpaid balance transfer amount for the entire 14 months if not repaid during the balance transfer period.

      In summary, after you balance transfer, each month, pay the minimum payment stated on the statement, and the total of all new purchases made that month. Then ensure the total amount that was balance transferred is paid within 14 months.

      You don’t need to spend further on the card.

      Happy for someone to correct me, that is just my understanding of usual balance transfer conditions.

  • yht on 09/04/2019 - 15:37

    How long it takes for them to send the card since payslip submission? Do they send an email notifying us that the card is on the way etc?

    • CFOTPO on 09/04/2019 - 19:48

      I submitted the application last weekend, and today was asked to provide a bank statement. Wait to see when it's get approved.

    • Neoika on 09/04/2019 - 20:17

      I applied in Feb for the same offer. Got approved right after application. There was a 2-mins algorithm calculation waiting. No doc required. I provided low credit limit and below average expenses.

      • yht on 09/04/2019 - 20:28

        What I meant was after you submitted the payslip, how many days it will be approved and if any email sent by them notifying that the card is on the way

  • JBucks on 12/04/2019 - 15:00
    +1

    So what is an "eligible purchase" to claim the 20k points ?

    Im going to use this as a balance transfer card and nothing else, so if I was to purchase something for say 20 cents, is that an eligible purchase to unlock the 20k points ?

    • KaraZorEl on 16/04/2019 - 09:43

      same question. Received the card yesterday. Also, are direct debited bills eligible for rewards? Wondering if I should move all to this card. Tx.

    • Neoika on 18/04/2019 - 19:04

      I think you can request balance transfer later, after you make an eligible purchase and pay it off.

  • Moo Deng on 30/04/2019 - 00:09

    How long has it taken for Woolworths to approve applications for this card?

    Applied last week and haven't heard anything.

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