Woolworths Qantas Platinum

Avoid this card. They forfeit all Qantas and Woolies rewards points if cancel – I cancelled the card after 2 years and average monthly purchases were about $2500, I never carried over a balance. I initially transferred a balance and they charged interest on it. The rewards accumulated after 2 years was about enough to buy a mid range toaster. The android app never worked. For 169 a year I would expect a bit more. Just use… Read more

debit or afterpay as this card does not give much bang for the buck and they are very rude at the end. As for rewards forfeit I now choose Virgin and Coles.

Perfect, i can't go anywhere without it – The team has made me feel really terrible as a person inside. But i'm slowly getting better i will always struggle for the greater good just like this company will. Show details

Does Not Deliver What You Pay For .... Appalling Customer Service – I am referring to their advertised "Benefits" of Market Day Offer and Complimentary Travel Insurance. I have had a Woolworth's Qantas Platinum card since their inception. I think they started with HSBC, but now are with Macquarie Bank. Since changing to Macquarie their Customer Service which has gone from average/poor to bad/very bad. Re… Read more

Market Day Offer:

I became aware in January 2018 that I had never, ever received a monthly email advising me of the date for that month's Market Day Offer in all the years I have held the card - where I could save 10% of my shopping bill on one weekend day of each month - to a max of $50 saving per month. I called Customer Service in January and they are incapable of resolving. They continually tell me my email address is 'on the list' to receive the email and therefore I must be getting them. I have an IT background, and am more than competent at managing my email account. I simply do not get the emails. I have spent hours on the phone and emailing - all to no avail. They never call me back, despite their promises of escalating the matter to a supervisor, who will return my call. Yes the Call Centre is overseas - but so are many - that alone is not enough reason to have such incompetent Customer Service. I called again yesterday - again to be told yet again , that my email is 'on the list' to receive the Market Day offers since February. I suggested they may have a bug in their system because I just don't get them. They have no idea what to do to fix whatever it takes so I get the emails. They closed my case 2 months ago - so it seems they have no interest in resolving the issue at all. I get their emails telling me my statement has been issued - but not the Market Day offers. I would be really interested to hear if other reviewers have the same problem as me. Now they have reduced the QFF points for all (except WW purchases) the Market Day offer is the only reason I would consider keeping the card.

Complimentary Travel Insurance:

Travellers BEWARE..... do not rely on this policy. I booked a trip for later this year using 244,000 QFF points and paid the rest (approx $1,200 with the WW Qantas Platinum card), which after reading the T&cs thought made be eligible for the cover. But given my distrust of Macquarie Bank I thought I should check further .... glad I did.

I spoke with ACE who are the underwriters for this policy - and unless I can prove that I had earned every single point of the 244,000 QFF points by use of the WW Credit Card then they would deny any claim. I accrue my QFF points from lots of sources - but I doubt I could prove I earned 244,000 solely from the Woolworths Credit card..... and in fact probably I haven't earned them solely from using WW credit card The onus is on the person claiming to prove it too! So good luck if you have not kept your records for that long. I purchased Travel Insurance elsewhere. So their Travel Insurance is another useless offer.

They charge a high annual fee - yet do not deliver the advertised benefits to their 'highly valued customers'.

Shame on you Woolworths!!! I truly like shopping at Woolworths - but their credit card is quite a disgrace. Enough to make Coles my main supermarket again.

Couples with Woolies Rewards Card for more Qantas Points – I recently upgraded from the normal Woolies Credit Card to this Qantas one, basically for the Qantas Frequent Flyer points. You can have your Woolies Rewards Card bar-code on the back of this Visa Card, so you basically have 2 cards in one. The Credit Card will let you earn Qantas points, and the Rewards Card will let you convert Woolies… Read more

Dollars to Qantas points, so overall this is a good card if you shop at Woolies and like earning Qantas points.

I notice that most of the negative reviews here relate to 'customer service' from their call centre, I really cannot comment on that as I haven't had the need to contact them.

Overall I am finding this Card to be a handy way to earn points, and transactions come up almost straight away on the iOS App and the woolworthsmoney website, which I find really handy to keep track of what I am spending.

Change over with 10 days notice – Had mediocre service with them for about 2 years. Pro's: no interest if paid in full by due date, no annual fee, worked perfectly on overseas trips and low overseas transaction rate. Perfect as a no frills card. BUT beware if you need to get hold of customer support, please hold, switching u over...... Now they have decided to switch from… Read more

HSBC to Macquarie bank. Given 10 days notice of the change, annual fee now high. Only took a whole day to set-up the debit orders. So now either accept new costs or change card and debit orders before the switch over.

Update: Got an e-mail reply to say call and they will waive the first years annual fee (which they did). Hence updated the rating. No frills, no costs (provided you pay in full by due date & get the annual fee waived) and essentially free Qantas points.

totally incompetent – Wanted to cancel my CC took me 20 mins and was told I had to call AIA. AIA told me to call HSBC was them told I had to speak to the original Woolworths person. out of frustration i asked to speak to a manager after being put through to 2 other staff members i was finally put through to the manager who finalised my request and advised me this… Read more

should not have happened. total time wasted 25 mins!! I will never be a woolworths CC holder again! finally hot what i wanted totall incompetence

No explanation given for rejecting my application – Awful customer service. Customer service is in a foreign country and not in Australia so not possible to actually speak to anyone remotely connected to Woolworths and the credit card team. No explanation given to me as to why my application was rejected when I have an impeccable credit rating. As a result I will no longer shop at Woolworths or get fuel from their service stations.

Unacceptable service – Have been trying to get Qantas Bonus points since August 2015, keep getting fobbed off by call centre, will not reply to emails, call centre is a waste of time, no other form of contact, shame, shame, avoid this company at all costs, they do not deserve our custom..

TERRIBLE – I always find Woolworths as a great place to shop at, but their credit cards are in one word: VERY TERRIBLE! They have the WORST customer service in the WORLD. I believe they outsourced it to Philippines, and there you go. They might have reduced the cost, but they have compromised on quality!

Macquarie Bank Greed – Made to switch to new card. Change everything. Less points, less everything. See ya. Don't need your card. Watch your customers decrease now smart pie Woolworths.

Be Warned – 6 weeks after closing our account, we receive a statement saying we owe several hundred dollars from a third party transaction made 5 weeks after our account had been closed. This was not a recurring bill, something the girl on the help line seemed unable to understand. Despite the account being closed we were left with no alternative but to report the card we cut up weeks ago as stolen.

Unauthorized International charges – The direct debit payments suffered additional international currency conversion charges. When they are made in local currency. Telephone service happy to refund charges after a 12 Minute phone call but cannot explain why the charges have been made other than to confirm they are bank charges and no overseas transactions have occurred. Apparently… Read more

"its just a routine glitch" No way I can trust a bank the behaves in this manner and neither should you.

Account closed!

Silly silly rules when they make a mistake – As always, I paid my account in full, at least a couple of days before the due date. Then I was amazed to see an interest fee on the next month's account, so I rang. I am not the primary card holder, but I do have permission to enquire. The first person put me through to their resolutions department. Then I find that absolutely nothing had… Read more

been introduced, I had to explain the situation all over again. When the staffer (in the Phillipines, why are the lines always so bad you can barely hear them?) finally accepted that they had made a mistake and NO interest should have been charged to my account, they wanted me to put the primary card holder on the phone. Apparently when they 'adjust' the account they have to explain it to the primary card holder. I asked why they couldn't just reverse their own mistake, instead of making me get my husband to waste time doing what I had already done. Finally after me sticking to my position, they agreed to call him within a couple of days on the number that we had previously provided. How ridiculous is that? They make a mistake, but can't fix it without wasting even more of our time? All of this is adding insult to the injury of sticking us with a $2.50 a month fee for the luxury of getting paper statements - which is not something we signed up for mind you. Time to start looking for another card I think.

No longer happy with Woolworths Qantas Money Credit Card – 2 months ago Woolworths changed their policy on Frequent Flyer points cumulation for the month. It is now capped at 2500, so I no longer endorse this credit card. I will be cancelling it before they charge the annual fee.

Goodbye Woolworths Money – One thing after another 1. Payment due date due on October long weekend Monday - bpay was not credited until the Tuesday. Late fees charged. How ridiculous is that 2. When to pay last month - website says not accepting BPay payments. How ridiculous is that. How am I suppose to pay. 3. Credit card number will will change with this… Read more

change over to Visa. Apparently my MasterCard will stop working on 30 April. Thus forced to activate the visa and change all my standing payments. How ridiculous is that.

4. Points benefit for over $2500 now halved. The previous full point benefit is the only reason why I tolerated the fee hike - as well as avoiding the hassle of switching providers

5. Don't trust these buggers.

As I now have the hassle to change my credit card number with my various standing payments, I am gonna apply for a card elsewhere. There are other comparable deals with other banks. Also quite a few free ones if you dot want to pay a $200 fee for your QF points.

Goodbye Woolworths Money - this change is a big mistake

Bad Bad Bad service from Macquarie Bank – Really bad customer service. No mobile apps to view the credit balance and horrible service on the top of that.Their staff in Australia is even more rude. Have no regard for a customer's personal tragedy, health or inconvenience. They just want to charge as much as interest as possible and cannot even explain the whole calculations to you. I was… Read more

under the impression that the customer care staff from their overseas call centers is more shrewd but the biggest shock was lady from Australian team! She had no regard, manners or understanding and reading rules to me like a parrot all the time. I am appalled absolutely appalled by the deterioration in this credit card service company. I hate them no doubt. Don't fall for them. I will exit as soon as I sort out my direct debits with them before the end of financial year!

Just dont do it!! – We had no problems with the previous provider - but the change to Maquarie bank is horrendous. We have now been locked out of our new credit cards which they refuse to activate because they "cant identify us and we are a security problem" Have never defaulted on a full payment each and every month. The worst customer service ever. Cant… Read more

understand a word of what they say. We cannot even contact anyone now to find out what on earth is going on.

Absolutely Awful – This card is terrible, the worst customer service I have ever come across. Huge time delays in processing payments where as debits are almost instantaneous. Website is down more often than it is active making log in near impossible and good luck if you have to contact the "customer service" team. I'm sure they just say all the right things to… Read more

get you off the phone and then no action. Change over to the new card was a nightmare and for all this we get to pay $50 a year extra for the privilege of having it. Don't even think about it!!!! I won't be staying!!!

APPALLING, APPALLING EXPERIENCE SINCE CHANGE FROM HSBC TO MACQUARIE – I am absolutely APPALLED. They misplaced $2,0000 I transferred 2 days ago and I needed to buy a flight TODAY. Have spent 3 hours on the phone (intermittently on hold) from 11am until 6pm and still not resolved. They said they would increase my credit limit in the mean time - had to send screen shots to prove the amount left my other account, which… Read more

I fif - they claim only to have received 1 of 2 screenshots (sent on THE SAME EMAIL) - have resent 4 or 5 times - still haven't received one of them apparently - thus will not increase my limit to accommodate for their appalling mistake. Have been waiting for a call from a "Superior" for 4 hours. I am now going to miss this flight price because of these bloody people!!!!! I am BEYOND furious and absolutely APPALLED by the shocking service. TERRIBLE - TERRIBLE - DO NOT GET THIS CARD. I am 100% lodging a complaint with Macquarie Bank. As though they don't have the money to take care of their customers! Revolting.

Absolute rubbish since changed from HSBC – Since the change from HSBC I have nothing but problems with this card. I pay it on time and get charged late payment fees, I get charged unexplainable interest charges, the card does not work with some merchants and comes up with "refer to card issuer". When I do this they cannot explain as no record on their system. Customer service calls seem to… Read more

go to either India or what sounds like the Philippines. They never understand about what you really need and are more interested in asking you at the end if they satisfied your requirements. Email complaints just simply get answered. I am in the process of getting a different credit card and changing over all my automatic payments, so I can cancel this one. Actually puts me off shopping at Woolworths.

My advice, avoid Woolworths credit cards like the plague!

Such a joke – I wish I can give 0 stars... the customers service is so amateur, they can not even make themselves understand and perform what they said they would do. Since the change from HSBC to MQ, the quality also changed from "bad" to "worse". Higher fee, longer wait to customer service, lower rewards, you name it. they promised the mobile app for half a year now, where is it?? my current year finishes this August, and I am sure going to cancel the card

Totally Incompetent Macquarie bank operation of this card service – Since this credit card has changed from HSBC, it has been an utter disaster. It takes a considerable amount of time on the phone to sort any problem out as emails are not answered. This week, I was informed my account had not been paid whereas it had the previous day. My statement shows a late payment fee and interest. I log in to my account… Read more

and is shows that the payment was received on the due date, yet the late payment and interest are also there. I will be joining the exodus from this account. I object to giving up so much time on the phone sorting out their mess. It also reflects badly on Woolworths and Qantas.

Higher fee, less points and new card number. Let's boycott Woolworths – Totally agree with eastwest101, but it's got worse. I was disappointed when the annual fee went up by 50% but the earn rate of 1 FFP per $1 spend was still attractive. Then this month the earn rate is cut by 50% above $2500 per month. Now I've discovered that my MasterCard will be replaced by Visa and I have to change all my standing charge arrangements. When Woolworths treats its customer with such disdain let's retaliate with a boycott

Another lost customer due to changeover from HSBC to Macquarie – There was an ominous feeing when I found out that Macquarie had taken over managing this bunch of credit cards from HSBC. That ominous feeling was entirely justified by my experience over the last few months. What was previously a reasonably useful (although clunky and paranoid website) and good value credit card is now ruined by the massive… Read more

increase in annual fee, which was attempted to be charged despite me requesting the account be closed. The massive increase in annual fee, devaluation and capping of QFF points earn and the new very polite but completely incompetent call centre all had me running away as fast as I could.

Even if you have months left before your annual fee is due - run away now as fast as you can, now!

Card was stolen and Woolworths Money cancelled the wrong one – Saturday night my wallet was stolen - i called woolworths money first thing sunday morning to cancel my woolworths card. The lady i spoke to confirmed my last 5 transactions, i agreed they were mine, and she told me she cancelled the card. Monday morning i try to log in to the internet banking and it's not showing me any transactions. I assumed… Read more

it was due to the cancelled card but i called customer service to make sure. They told me they couldn't see any problems and to email their technical support team a screenshot of my computer. I did this on monday afternoon.

Thursday afternoon i finally get a call back from the woolworths money technical support team and they tell me they've fixed the issue. I logged in to my account while i was on the phone and notice thousands of dollars worth of transactions have gone through after i cancelled my card.

I asked to be put through to the stolen card department and ended up speaking to someone for about 3 hours. Over this time the guy i spoke to tried to convince me that, even though the card was cancelled, paywave/paypass couldn't be cancelled and anyone with my card could still use it. I even spoke to a manager who told me the same thing.

In the end we're 5 weeks down the track and i'm still trying to dispute these transactions. I've had to get statutory declarations signed and fill in pages of paper work when it was woolworths fault these transactions went through in the first place.

Tl;dr - absolute worst customer service experience of my life and has, to date, cost me thousands.

Worse Credit Card provider ever – I have been trying to access my account online since the 26th October, 2014 with the same problem happening everytime, When I call they talk me through the process, I have changed my password 15 times. I have changed my browser 5 times, cleared the cache at their request and still nothing. Don't use these people !!

Worst service ever - seriously don't know what they do when you ask for help – When I signed up, i tried to add my wife as an adjoining card holder. After two applications and no card for her ever arriving, we simply gave up and she got her own which appeared to be much simpler to do. Fast forward 18 months and my card has cracked so I rung up to order a new one. Have rung them three times now trying to get a replacement… Read more

card and I have no idea what happens each time, but I did find out that my wife is listed as an an additional cardholder?? Well her card must be delayed with Auspost by 18 months hey? Then I got an email from them today saying they tried to ring me but there was no missed calls to my phone (just gets weirder) then when i rung them they had no idea why that was sent. Got my wife removed hopefully and they are sending me out a new card express post to make up for there retarded work as shouldn't have to request it three times. But after seeing the changes with the switch to Macquarie Bank and now to Visa instead of Mastercard, and with the latest fiasco in poor service I am going to change to another more reputable institution. Might have good benefits but you pay for it with terrible after service, which is outsourced to god knows where.

Terrible customer service ! Cancelled card and am still receiving emails and letters – I have contacted them by phone twice, and by email three times... they have never responded to my emails asking why I am still receiving letters about my account, and statements on my account, when I closed it several months ago! I received two letters advising me of my new login details etc... finally got hold of a rep who told me account was… Read more

definitely closed and not to worry... I asked them to take my details out of their database and yet I am still receiving statements! Useless

How to completely and sneakily mismanage a changeover in provider – A letter dated 1 October 2014 from a Dhun Karai, General Manager, Woolworths Money arrives saying that from 26 October Macquarie Bank will take over from HSBC as the provider for this card. Buried away in the fine print is a rise in the annual fee from $89 to $139 and a new charge of $2.50 for paper statements. A further letter dated 17 October… Read more

arrives with a new numerical log in ID, yet another to remember. This of course will replace the easy email log in that was introduced when HSBC was the provider. The usual guff in the letter about even better service including "Your online and phone services are getting even better" - what nonsense. The letter with the promised one off on line password and telephone pin is dated 20 October but doesn't arrive until 28 October. Payment on my October statement is due 27 October and I have an automatic debit from an account with another bank. I look at that account online and see that the debit has been taken both by HSBC and the new provider. Luckily it is a line of credit so both are honoured. Ring the designated 1300 number and discover that if you go into the menu for Woolworths Money you can't exit to an operator. Ring again and go the operator option asap and after some time get a real person who then escalates my issue. Again after some time get to another real person. It is obvious that this is the first they have heard of this problem but later that day I receive a generic text saying "That we have identified a an issue with Direct Debit payments....." and will make good any costs you incur (because of their incompetence, but they don't say that). Presumably quite a few people in the same boat. As soon as this is sorted, I will be cancelling the card and make sure I do so before the increased annual fee is due. I recommend anyone who has this card do the same, unless you want to be stuck with a new provider that is both incompetent and a fee gouger.

December 14th 2014 Update:

I wrote previously about the complete mismanagement of the changeover from HSBC to Macquarie. It gets worse. I cancelled the card and have written advice dated 8 November to the effect that the account was "now closed, effective immediately". I can't check my remaining balance online presumably because the card is cancelled so to check the purchases on the final statement I have to ring a call centre and eventually end up with a real person in what sounds like the Philippines. After questioning, I discovered my final statement includes the new higher annual fee of $139 despite the fact that it fell due after I cancelled the card. I was advised that yes it will be refunded to the account from which we debit your autopayment but you will have to pay it first and then wait until the next cycle for the refund. Also the Qantas FF points you were due on this statement (accrued before the card was cancelled) are forfeited. Can you believe it? - rip you off on rewards obtained before cancellation but charge you an annual fee due after cancellation! I can because Woolworths will regret taking on Macquarie as a provider as they are fee gougers, deceptive and incompetent. My strong advice is don't take up the new offer on this card ($99 annual fee first year and 16 000 Qantas FF points) as you will eventually become an existing customer after the introductory period and than are guaranteed to be treated with contempt.

Very bad customer service – Today I requested the statements for my 2 x inactive cards and was subjected to unexpected questions in regard to my employment and whose phone I was calling from???????? none of their business as far as I am concerned since the cards are inactive. The person constantly repeated themselves and I was getting frustrated as I am not stupid I just… Read more

wanted my statements so that I can complete my application for a personal loan to have them paid out. Then I was told by the person that I would need to pay $403 dollars to get them up to date before they would release the statements. I did this and received a verification email which I responded to but I still did not receive my statements. I then called back only to be told that it would take 24 to 48 hours. I requested the request to be escalated and waited again. Still no response I called again and was told that I could not speak to a supervisor as they did not have time although I was left on hold for long periods of time whilst the operator spoke to the supervisor still no response. I called again to make a complaint only to be told everyone had gone home in the finance department and that there was only one person left in the support area, my complaint was not lodged as there is no one there to deal with it and when I said that I was disadvantaged by being in WA was told I was being ridiculous????? I knew this would take sometime consequently why I started early but did not expect it to be so bad.

I have now missed out on my loan application and will have to pay more to Woolworths. :( and there is no complaint line to address this with no complaint department to be transferred to just nothing but operators who all had a different approach to my initial request. VERY BAD CUSTOMER SERVICE

Horrible customer support – I have had the card for 2 years. A few days ago, the annual fee has been charged on my card but I decided to cancel the card. I would thought that the annual fee would be reverse. No, their call centre staff (in New Zealand) told me that I still have to pay the annual fee even if I cancel the card service. I asked her to transfer me to the account… Read more

department, she refused saying that the account department does not want to talk to me. She asked me if I want to talk to her supervisor, so I said yes. First sentence from the supervisor, "What do you want talk to me about? Everything I said will be exactly as my colleague said".

Out of all the financial service call centre, this is the worst one that I have come cross. They does not seem to be well trained.

Zero customer service – I have had my Woolworths Qantas Mastercard for 3 months and was advised i would be receiving my bonus points of 16,000 approx 6-8 weeks after card approval and it is now 12 weeks and have not received them as yet. I have called and called the woolworths money contact centre and have been told it has been escalated to the "customer excellence team"… Read more

and you will get a call back in about 24-48 hours this never happens I then get told it is HSBC banks fault not woolworths I then ask who to speak to there only to be told you cannot contact them as you have a woolworths money mastercard .... As at today nothing has happened and I am at the point where my next call is to the ACCC and banking ombudsman as this is FALSE avertising.

do not receive benefits you are entitled to

Interest free? Don't believe it! – Got the card about 3 months ago, transferred a balance from another credit card at the promotional 0% interest for 6 months, used the card, paid off all the new purchases, then on the first statement the annual fee and interest was charged. When I queried it they said it is the interest on the new purchases, Is said that I paid off the new… Read more

purchases. Actually they applied my payments to the transferred balance not to the new purchases. and charged interest on the new purchases. But, if you don't make a purchase, you wont get the Qantas bonus points. When I complained, the person on the phone said "I guess thats where they get you" - Customer service is appauling, I am going to close the card ASAP due to false advertising and hopeless customer service - it is to be seen if they will refund a portion of the the annual card fee charged upfront when I close the card - another opportunity to show that they care about their customers....

Worst service, zero customer service

Platinum Card with out the benefits – I recently got my Woolworths Card thinking it had Platinum benefits such purchase protection insurance and travel insurance. The card HAS NO Platinum benefits at all, yet they advertise its a "Platinum" card. Why advertise its a "Platinum card" in your advertising on your website and promotions etc when you have no real Platinum benefits?… Read more

Remove the word "Platinum', don't you think? Uncapping of points earning It has a cheap annual fee for qantas card. but its not true value

Worst credit card in the world – Please do not get a woolworths credit card if you want to stay calm there system and comunication is incompetent i can never log on for a statement they can not organise a direct debit they have to many departments, as soon as you establish want you want to do you have to go to another area so on!! So on!! So on!! All i want to do is use the card and pay every month! Is that hard!!!!