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Woolworths Gold Credit Card full review

This Woolworths Gold Credit Card review sums up the main points to be considered if you are willing to apply for this card. Keep reading to find out more about it!

Woolworths Gold Credit Card: earn 2% back in vouchers each quarter on all Woolies purchases

Read our Woolworths Gold credit card review here. Source: The Mister Finance.
Read our Woolworths Gold credit card review here. Source: The Mister Finance.

Read on this Woolworths Gold Credit Card review to decide whether this card fits or not your profile and financial needs.

Woolworths Gold credit card

How to apply for a Woolworths Gold Credit Card?

Check out how to apply for a Woolworths Gold Credit Card and earn 2% back in vouchers each quarter on all your favorite Woolies purchases.

Basically, this card offers good perks at a reasonable price. In essence, it is a fantastic option for low-income earners.

Credit ScoreNot disclosed
APR
Annual FeeR684.00 (R57.00 per month)
FeesAbsa ATM Account Payment Fee: R4.50 plus R1.50/R100 (maximum R15.00);
Initiation fee: R193.00;
Absa ATM: R2.50 per R100 (or part thereof);
Card Replacement Fee: R110.00;
Unpaid Debit Order Fee: R128.00;
Card Courier Fee: R170.00;
International Currency Conversion Fee:2.5% of the Rand value of a transaction
Welcome bonusNone
Rewards2% back in vouchers each quarter on all Woolies purchases;
0.75% back in vouchers each quarter on all other purchases, including fuel (excludes EFT);
Access to the WRewards program

Now, continue reading to learn how this card works, the costs involved, the rewards offered, and more!

How does the Woolworths Gold Credit Card work?

If you are a frequent Woolies shopper, you might love to know that that is a gold credit card full of perks waiting for you to apply.

However, before proceeding with an application, check out how it works and take a look at the list of pros and cons below.

In summary, this Visa is a great option for low-income earners since it requires only R3,000 per month.

Also, it features some valuable benefits, as follows:

  • 2% back in vouchers each quarter on all Woolies purchases as well as 0.75% back in vouchers each quarter on all other purchases, including fuel (excludes EFT);
  • Automatic access to the WRewards program in which you get exclusive offers and promotions;
  • Free additional cards up to 8;
  • Lost card protection;
  • Visa worldwide acceptance as well as Visa purchase protection & extended warranty;
  • Basic travel insurance for those who are under 75, when purchasing an international airline ticket;
  • Assistance services, including medical and legal advice.

As can be seen on this Woolworths Gold Credit Card review, although it charges a monthly service fee, it gathers a whole bunch of valuable perks for shoppers and travelers. So, the benefits overcome the costs.

Woolworths Gold Credit Card benefits

Get exclusive benefits and discounts at Woolworths purchases. Source: Canva.
Get exclusive benefits and discounts at Woolworths purchases. Source: Canva.

In summary, the card works like a revolving loan account. Consequently, Woolworths extends credit as long as repayments are made on time.

As shown on this Woolworths Gold Credit Card review, the card gathers valuable perks for those who frequently make Woolies purchases as well as travelers. 

That is, for a reasonable R57.00 monthly service fee, you get access to various advantages, including rewards, insurance, and more.

Pros

  • It offers vouchers on all purchases where Visa is accepted;
  • You automatically access the WRewards program;
  • Additional cards are free, up to 8;
  • You get basic travel insurance in addition to traditional protection like lost card protection, purchase protection, and extended warranty;
  • You can access Medical and Legal advice when traveling abroad.

Cons

  • It charges a monthly service fee;
  • It charges an initiation fee;
  • Rewards are only offered as vouchers.

Pre-approved credit cards for low credit score available now

We analyzed your profile and found some offers that you can apply for today.

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How good does your credit score need to be?

This gold card from Woolworths requires at least R3,000.00 per month as income and a valid RSA ID number.

There is no mention of creditworthiness.

How to apply for a Woolworths Gold Credit Card?

Then, if you are interested in applying for a Woolworths Gold Credit Card, learn how easy it is to get it on the next post!

Woolworths Gold credit card

How to apply for a Woolworths Gold Credit Card?

Check out how to apply for a Woolworths Gold Credit Card and earn 2% back in vouchers each quarter on all your favorite Woolies purchases.

About the author  /  Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by  /  Aline Barbosa

Senior Editor

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