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The Woolworths Money Card credit card earns up to 3% cashback at Woolworths, BWS and Big W — the highest supermarket cashback rate in Australia. At $0 annual fee in the first year, it is risk-free to try.
Woolworths Credit Cards at a Glance
Why the Woolworths Money Card credit card Stands Out
✓ What makes it worth it:
- Up to 3% cashback at Woolworths, BWS, Big W
- $0 annual fee first year ($49/yr ongoing)
- Earn Everyday Rewards points on top
- No minimum spend requirement
- Mastercard acceptance
✗ What to consider:
- Only 1% on other purchases
- $49/yr after first year
- 19.99% purchase rate
- No travel insurance
- Cashback rates may change
Verdict: Who Should Get This Card?
The Woolworths Money Card is the best card for Woolworths shoppers — 3% is unmatched. The $0 first year makes it risk-free. If you shop at Coles instead, the Coles Mastercard is the equivalent. For general cashback, ANZ Cashback World gives 1% everywhere.
Ready to apply? Go directly to Woolworths:
✓ Official Woolworths website • ✓ Secure application • ✓ Takes 5-10 minutes
Is the 3% cashback really uncapped? ▼
The 3% applies to Woolworths, BWS and Big W purchases with no monthly cap. Other purchases earn 1%.
Do I also earn Everyday Rewards points? ▼
Yes — you earn Everyday Rewards points on top of the cashback when you scan your card at checkout.
What happens after the first year? ▼
The $49 annual fee kicks in. If you spend $1,700+/yr at Woolworths, the 3% cashback ($51+) covers the fee.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change — verify current details directly on the Woolworths website before applying.
