Woolworths Credit Card: Benefits, Fees, Rewards and Eligibility in South Africa

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The Woolworths Credit Card is tailored for shoppers who frequently visit Woolworths stores and want rewards directly tied to their shopping habits.

With cashback vouchers, exclusive in-store discounts, and convenient financial features, it’s a practical card that blends affordability and loyalty rewards for everyday South African consumers.

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Key features of the Woolworths Credit Card

• Woolworths WRewards integration: Earn cashback in the form of Woolworths vouchers.
• 55 days of interest-free purchases when balances are paid in full.
• Automatic in-store discounts at Woolworths for cardholders.
• Accepted globally as a Visa card, allowing for international transactions.
• Manageable fees and easy online application process.

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Woolworths WRewards explained

The Woolworths Credit Card is directly tied to the WRewards loyalty programme:

• Earn cashback vouchers for every R spent at Woolworths.
• Receive exclusive monthly discounts on selected items in-store.
• Get early access to special sales events.
• Vouchers are automatically credited to your account for use at any Woolworths store.

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Woolworths Credit Card fees (2025)

Fee Type	Cost
Monthly service fee	R55
Initiation fee	R160 (once-off)
Supplementary card fee	R30/month
International transaction fee	2.75%

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Eligibility requirements

To qualify for the Woolworths Credit Card, applicants must:

• Earn a minimum monthly income of R3,000 (making it highly accessible).
• Be 18 years or older with a valid South African ID.
• Provide proof of income: 3 months’ payslips and bank statements.
• Maintain a credit score above 600.

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Travel and shopping benefits

• Global Visa acceptance for both local and international purchases.
• Cashback vouchers redeemed directly at Woolworths stores.
• Discounted shopping on food, clothing, and homeware via WRewards.
• Convenient card-linked promotions for seasonal deals.

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Security and digital features

• Real-time SMS alerts for transactions.
• Contactless payment technology for faster checkouts.
• Integrated Woolworths Financial Services (WFS) app for card management.
• Secure online shopping with 3D Secure OTP authentication.

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How Woolworths Credit Card compares to others

Card	Monthly Fee	Rewards	Interest-Free Days
Woolworths Credit Card	R55	WRewards vouchers	55 days
FNB Aspire (eBucks)	R45	eBucks (groceries/fuel)	55 days
Standard Bank Gold (UCount)	R55	UCount Rewards	55 days
Capitec Global One	R40	1.5% cashback (general)	55 days

Woolworths stands out for direct retail-linked rewards, making it a top pick for frequent in-store shoppers.

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Tips to maximise Woolworths Credit Card rewards

1. Do most grocery and clothing shopping at Woolworths to maximise voucher earnings.
2. Redeem vouchers strategically for seasonal sales or big-ticket items.
3. Use the card monthly and pay in full to benefit from the 55-day interest-free window.
4. Combine card usage with WRewards membership to stack discounts.

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Official resources:

• Apply for the Woolworths Credit Card
• WRewards Loyalty Programme

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Conclusion

The Woolworths Credit Card is perfect for loyal Woolworths shoppers looking for cashback vouchers, exclusive discounts, and low eligibility requirements. It’s a practical, retail-focused card that also doubles as a globally accepted Visa credit card, making it both versatile and rewarding.

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FAQs

1. What is the income requirement for the Woolworths Credit Card?
A minimum monthly income of R3,000, making it more accessible than many competitors.

2. How do Woolworths vouchers work?
They are automatically issued based on your spend and can be redeemed in-store.

3. Does the card offer travel perks?
While it’s primarily retail-focused, it offers global Visa acceptance for international purchases.

4. Can I use it outside Woolworths?
Yes, it’s a fully functional Visa credit card accepted worldwide.

5. Is this card good for everyday use?
Yes, especially for shoppers who frequently buy groceries, clothing, and household items at Woolworths.