Reviews

Woolworths Black Credit Card full review: should you get it?

More than just a store credit card, Woolworths Black gives you access to a rewards program that involves all your purchases. Learn more about this credit product here!

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Woolworths Black Credit Card: earn cashback on all your purchases and coffees for free!

Woolworths Black Credit Card
Read on to learn about the Woolworths Black Credit Card! Source: Woolworths

Indeed, every black credit card generates expectations as to the benefits it offers. So we can say that with the Woolworths Black Credit Card, many of these are taken care of.

Woolworths logo

Woolworths Black Credit Card: check out how to apply!

Learn how to apply for the Woolworths Black Credit Card and get access to a card that gives up to 3% cashback voucher on all your purchases. Understand:

Despite being a card created by a store, it offers advantages even for non-customers. To learn more, see the review below:

Credit ScoreGood or better (de 681 a 766)
Monthly FeeR69
Initiation FeeR135
Interest RateN/A
RewardsWRewards: 3% cashback on quarterly vouchers on all Woolies purchases (Woolworths stores); 1% cashback on quarterly vouchers on all other purchases.

Woolworths Black Credit Card: learn more about this financial product

In fact, this card is a partnership between Woolworths stores and Absa bank. The idea was to create a credit card that would offer advantages to the customers of that store.

However, the project went further and ended up creating a card that offers advantages even to non-customers.

Thus, with this card, you are entitled to a cashback of up to 3% in several stores. Plus, you’re entitled to two free coffees per month at Woolies Cafe, To Go and NOW NOW.

Just come and choose! You can also get free editions of the cooking magazine TEST Magazine. This card also offers purchase protection.

You can receive a refund for your product for accidental damage within 90 days of purchase. In addition, travelers up to 75 years of age can count on special insurance during international travel.

Your family and companions can also count on a similar service. This card also allows you to withdraw money anywhere on the planet. Purchases over R300 can be easily paid in 6 to 60 installments.

Woolworths Black Credit Card features

person holding credit card in front of notebook/laptop
Learn more about the card’s pros and cons. Source: Pixabay

Indeed, this is a card that offers many opportunities to save and consume with many advantages.

However, you need to know this product in depth to make sure this is the right idea for you. To learn more, see the lists of the main pros and cons below:

What are the benefits?

  • Cashback of up to 3% on purchases at Woolworths and all other stores;
  • Welcome bonus of R500 for all approved cards;
  • Up to 8 additional credit cards for authorized users at no additional fee;
  • Never pay for online shopping shipping costs again.

And what are the drawbacks?

  • Candidates need to have a very high income to have access to this card;
  • It doesn’t offer any special perks for travelers (no miles, lounge access, hotel discounts, or anything like that);
  • Spending-prone people can go into debt dazzled by the advantages this card offers;
  • International currency conversion fee: 2.5% of Rand value of transaction.

What credit score do you need to get the card?

In effect, you need at least a good credit score to improve your chances of being approved for that card. Therefore, we recommend that you have a score of at least 681.

How does the application process work?

Find out how to apply for this card by accessing the post below!

Woolworths logo

Woolworths Black Credit Card: check out how to apply!

Learn how to apply for the Woolworths Black Credit Card and get access to a card that gives up to 3% cashback voucher on all your purchases. Understand!

About the author  /  José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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