Credit Cards (SA)

Woolworths Black Credit Card full review: Earn WRewards!

Are you looking for a credit card with incredible rewards and travel insurance? If so, read our Woolworths Black Credit Card review to see its pros and cons!

by Victória Lourenço

Published on 02/16/2023

Woolworths Black Credit Card: Travel insurance and up to 3% back!

Check this card's benefits! Source: The Mister Finance. — Check this card’s benefits! Source: The Mister Finance.

Are you looking for a credit card but don’t want to sacrifice great rewards and perks? Look no further – you can read our Woolworths Black Credit Card review to learn more!

How to apply for the Woolworths Black Credit Card?

If you need a credit card to help you earn rewards and get incredible Visa benefits, read on to apply for the Woolworths Black Credit Card!

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Requirements*	To qualify, you need to be at least 18 years old, have a valid RSA ID number, and earn R41,666 or more per month. *Terms apply.
Initiation Fee	R120.00.
Monthly Fee*	R69.00 per month. *Terms apply.
Fees*	No fee for Absa ATM cash deposits; Cash deposit fee at beach counter: R5.00 + R1.50/R100; No fees for domestic card purchases; Also, no card replacement fee; There can be other fees. *Terms apply.
Rewards*	3% cashback in quarterly vouches (valid for all Woolies purchases); Also, 1% cash back in quarterly vouchers on all other purchases. *Terms apply.

Also, this card makes it easy to get all the benefits of a Visa without sacrificing your hard-earned money!

Moreover, not only does the Woolworths Black Credit Card come with an array of features, from zero liability protection against fraudulent transactions to travel insurance, but you can earn up to 3% cashback when you shop at Woolworths!

Therefore, in this review, we break down the best bits about using this card, so if you’re looking for one that really packs some punch within South Africa’s borders, read on!

How does the Woolworths Black Credit Card work?

With this Woolworths Black Credit Card, you can earn up to 3% back in quarterly vouchers for Woolworths purchases. Also, you’ll be able to earn up to 1% back on other purchases you make with the card!

Woolworths Black Credit Card benefits

This card will give you discounts, rewards, and more. Source: The Mister Finance.

As you know, this car has some great benefits and perks for its users. Moreover, besides the Woolworths rewards, you can even get some travel perks. For example, you’ll get access to travel insurance!

However, this card also has some downsides, just as with any other card. Therefore, you can read our list of the pros and cons of this Woolworths Black Credit Card review below!

Pros

You can access travel insurance;
Up to 3% back at Woolies purchases and 1% back on any other purchases;
Lost card protection is available;
Online banking to keep track of your credit card;
Visa benefits, such as Visa Extended Warranty and Purchase Protection.

Cons

High-income requirements per month;
There could be higher rewards.

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How good does your credit score need to be?

You can’t really know how high your credit rating needs to be to apply for this card. However, you should see the requirements before you apply.

For example, you’ll need to have at least 18 years old, have a valid RSA ID number, and earn R41,666 or more every month.

Therefore, you can only apply for the Woolworths Black Credit Card after you know you meet all the requirements.

How to apply for the Woolworths Black Credit Card?

You can apply online for this card by giving your personal information on the online application form! Therefore, it can be really easy and quick to apply.

However, you need to meet all the requirements to qualify!

How to apply for the Woolworths Black Credit Card?

If you need a credit card to help you earn rewards and get incredible Visa benefits, read on to apply for the Woolworths Black Credit Card!

Keep Reading

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!