Woolworths Everyday Money Credit Card

Woolworths

Moneybuddy says

The new Woolworths Everyday Money credit card (provided by HSBC) offers a range of point rewards for every dollar spent at Woolworths, Safeway, Big W, Dick Smith Electronics, Woolworths Caltex co-branded fuel outlets and other stores. Every 4 months, with enough points, you'll automatically get money back as a Shopping Card. The annual fee is waived in the first year and a low $49 thereafter. The Woolworths Everyday Money credit card also has a 0% balance transfer offer for 6 months. Apply by March 31st 2013

The Basics

Card class MasterCard

Card type Credit card

The cool stuff: features

Reward program Yes

Reward program name Everyday Money Rewards

Reward program details 3 points for every dollar spent on Woolworths Select products purchased in-store at Woolworths or Safeway Supermarkets and Woolworths Mobile products purchased in-store at Woolworths or Safeway Supermarkets, BIG W, Woolworths or Safeway Liquor and BWS.2 points for every dollar spent on products purchased at Woolworths or Safeway Supermarkets, BIG W, CALTEX WOOLWORTHS/SAFEWAY co-branded fuel outlets, epump, Woolworths/Safeway Liquor, BWS, DanMurphy's, Thomas Dux, and participating Dick Smith stores.1 point for every dollar spent on other purchases.

Reward program terms -

Additional card holder Yes

Add. card holder details 1 additional card free - must be over 16 year old

Purchase security No

Extended warranty No

International travel insurance No

Online access No

Phone access No

The Facts & Figures

Purchase rate p.a. 19.84%

Cash advance rate p.a. 21.34%

Introductory purchase rate p.a. -

Introductory purchase rate period (months) -

Introductory balance transfer period (months) 6

Balance transfer rate p.a. 21.34%

Introductory balance transfer rate p.a. 0%

Interest free days 55 days

Minimum repayment -

Min. credit -

Max. credit -

Cash advance limit -

Cash advance limit period

The ugly stuff: fees

Reward program fee -

Late payment fee -

Atm fee -

International transaction fees -

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Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Woolworths says

0% p.a. balance transfers for 6 months. 1) 3 points for every $1 spent 2 on Woolworths Select products purchased in-store at Woolworths Supermarkets and Woolworths Mobile products purchased in-store at Woolworths Supermarkets, BIG W, Woolworths Liquor and BWS. 2) points for every $1 spent 3 on products purchased at Woolworths Supermarkets, BIG W, CALTEX WOOLWORTHS co-branded fuel outlets, epump, Woolworths Liquor, BWS, Dan Murphy's, Thomas Dux, Cellarmasters, Masters and participating Dick Smith stores.1 point for every $1 spent4 on most other purchases.Hassle-free money back rewards5 – every 4 months, with enough points, you'll automatically get money back as a Shopping Card.Up to 55 days interest free on purchases6 (when you pay your closing balance in full by the due date each month).Low annual fee waived in the first year and $49 per year thereafter.

Key features

  • Unique rewards – Shopping card every 4 months
  • 3 points per $1 spent on Woolworths Select products purchased in-store at Woolworths
  • Annual fee is waived in the first year and $49 thereafter
  • 0% p.a interest rate on balance transfers for up to 6 months
  • Apply by March 31st 2013

Pros

  • Annual fee is waived in the first year - save $49!
  • Easy redemption of points every 4 months (if you have enough points) for a shopping card
  • 0% p.a balance transfer special rate for up to 6 months

Cons

  • Rewards program is for Shopping Card only

Terms & conditions

The Woolworths Everyday Money credit card is issued by HSBC Bank Australia Limited. ABN 48 006 434 162 ("HSBC") Australian Credit Licence 232595. HSBC lending criteria applies. Fees, Charges and Interest Rates apply and are current as at 1 March 2012 and are subject to change. Terms and conditions apply and are available at everydaymoney.com.au. An annual fee which is currently $49 applies for the Woolworths Everyday Money credit card. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass is the trademark of MasterCard International Incorporated.See Woolworths website for full details.

 

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