The card value has declined since they changed a number of key benefits. They reduced the cash advance limit to only $1,000 no matter what your credit limit may be. They also used to have a grace amount on the card limit but now it's a hard stop - $1 over and it's a decline.They put in the hard stop without even bothering to tell me, changing the usage I had experienced for more than 5 years - despite me having never missed a payment in 5 years. Their rewards plan was very poor, but I have noticed an improvement this year with point multipliers and % discounts. The card operates in conjunction with Woolworths Rewards, which makes redeeming points easy.

Woolworths Credit card is a no-brainer for someone shops at Woolworths even occasionally!
10% Monthly once off! Rewards card barcode on the back of the card! Apple Pay! Money app! And $20 gift card when you earn 4000 points (bit confusing as this is not Woolworths Rewards points I guess - but I will take the Gift card :D )
Woolies has definitely put all there love into Woolworths Credit Cards!

The Woolworths Credit Card with Macquarie Bank has allowed the consolidation of my day to day purchases and gives me rewards each month. The 10% off each month is a great away to plan the purchase of large ticket items. Perhaps the annual fee could be adjusted if a certain spend was achieved.

I’m currently using this CC, but I’m switching over to Coles CC soon because that one has no annual fees & low interest rate. Their balance & statement reading is good on the app. It’s fast too in real time. I like the 10% off each month in grocceries & vouchers sent but you have to spend a lot to get the vouchers. If they ever get rid of the annual fees & lower the interest rate & keep the benefits, I would ditch coles in a heart beat & come back. Woolworths - you need to match them!

The customer service was good. As I called them and the person was so patient as he waited for me to see if I am able to go online to finish my work.

Phone was answered promptly, lady was very pleasant and professional. My enquiry was dealt with in full with a follow up email to confirm. fabulous service. Every time I need to contact WW card services I have experienced the same great service.

This card offers Gift Card rewards which is the main reason I like this card
The customer service team are always friendly and helpful that's is very important to know any pro lens are sorted out asap
Also their annual fee is reasonable

I signed up to this credit card during a promo period inside a woolies shop, it was perfect timing as the interest in my credit supplier at the time was going through the roof! Woolworths offered me 0% balance transfer for nearly 2 years, a few months of interest free purchases as well as $100 in woolworths points as a sign up bonus! Im not sure if you get this many bonuses these days as this is when they were really trying to put their name out there, however you still get good bonuses in term of reward points and shopping at woolworths so i think its well worth it!

I use my Woolworths card to buy groceries, petrol and alcohol. I can pay when I receives my statement and I can monitor the amount spent on these items. I get double the points as well. I can use them anytime but I save mine for Christmas. I transfer my money over each month, no problems.

Have had this card for a little while now. Super easy and convenient to use, great for everyday use (particularly if you frequently shop at Woolies). Highly recommend. If you are after a card for overseas use, perhaps consider another.

Signed up to a promo with no annual fee for the first year and 0% balance transfer rate for 14 months. This really helped us get out of a large debt we had accrued due to an emergency.

I dont get 10 per cent off on the 2nd weekend by using my credit card for 3 months. I have to call the call centre and get the refund. I am still not sure when my rebate will be received after spending certain amounts for 3 months. I am tired of keep calling customers hotline

My bonus points took 3 months to get when I originally signed up, as well as a lot of other bonus point offers where requirements were met. Also the 10% off shopping each month has not worked once... Apart from that there are no annual fees so I can't complain getting a $20 woolworths voucher every quarter.

The Woolworths discounts and rewards are great if you shop at Woolworths anyway. It's Rewards App is really handy. It's good to receive actual tangible advantages that I will use.

I was approved a card with 6k limit . I activated the card and then for reasons they have never divulged ( asking multiple times for a reason they advised they did not have to provide me any reason ) they cancelled my card about a month into me activating it so had not yet had a repayment due. I was actually moving house at the time so was quite stressful as was going to pay the furniture removalists.
I have seen the above instance happen in many other reviews. What made it worse is paying the card off they still charge the annual service fee although my card was only active a month and I'm not entitled to any benefits.

The credit card holder gets to enjoy 10% discount of the first woolworth shopping of a selected diacount weekend each month. User will receive a notification from woolworths regarding the a selected discount weekend of the month. This only applicable to you first shop of the selected weekend. Its a not bad deal if you shop with woolworths. It has app that links to your woolworths reward account. Online experience is great.

An ongoing problem with the online statement system.

Often the online statements had to be requested on a monthly basis despite online access has been set up already.
Lots of unnecessary issues with online statements which are essentials and very important for credit card users.
Terrible customer service overall.

I haven't been overseas.
I found it easy to transfer my balance!
I really enjoy the 10% off Woolworths shopping as i shop their frequently.
The points are hard to accumulate but are worth it once accumulated