The Woolworths Black Credit Card offers a range of benefits. Explore the features and costs to see if this premium option suits your needs.
31 October 2024
The Woolworths Black Credit Card offers a select range of rewards, benefits, and advantages – from cashback on purchases to premium customer service – to improve your shopping experience.
To qualify, you must be 18 years or older, have a valid South African identity number, and earn at least R41,666 a month.
Tip: Use a budget calculator to assess how much credit you can comfortably afford.
The Woolworths Black Credit Card comes with many benefits. Cardholders are automatically enrolled in the WRewards programme, offering a slew of promotions and special offers. They can also get up to eight additional cards for family members or friends, at no extra cost.
Cardholders also enjoy free standard delivery when shopping at Woolies online or on the app, when paying with their card (express delivery is excluded), and qualify for two complimentary hot beverages a month at Woolies Café, To Go, or NOW NOW.
The following are some additional reasons to choose this card.
Enjoy cashback on all Woolworths purchases. This essentially means that every time you shop, you save money.
If you’re a Woolworths Black Credit Card holder, you also earn WRewards at a higher rate than with the standard Woolworths Store Card. You can use these points for discounts on groceries, clothing, and other Woolworths products.
You’ll receive a portion of your spending back in vouchers, paid out quarterly. The reward rate varies depending on where you shop: 3% for Woolworths goods and 1% for purchases outside Woolworths (including fuel purchases).
As a Black cardholder, you can access exclusive discounts and special offers on a wide range of products, providing value for money.
Cardholders can expect top-notch customer service, with dedicated support for your needs – from queries about your statement to assistance with your card.
The Black credit card also provides peace of mind for travellers, since it includes basic travel insurance cover for international journeys, if you pay for your return ticket with the card.
This includes cover for emergency medical expenses, and some legal assistance, when travelling outside South Africa for up to 90 days, along with free consular and emergency travel assistance, medical referrals, and other coverage.
Woolworths Black Credit Card holders are offered optional Balance Protection insurance, which provides cover in the event of your death, terminal or critical illness, or disability.
If any of these events occur, your balance will be settled to a maximum of R100,000, provided your account is in good standing, and you have paid the insurance premiums.
Loss of income due to retrenchment or temporary disability will see your Woolies account instalments paid for up to 12 months, up to a maximum of R100,000.
The Woolworths Black Credit Card offers flexible payment options that allow you to manage your finances. You can choose to pay in full or spread your payments over a period that suits you, for example, paying R300 or more over six to 60 months, if you use the budget facility to make larger purchases.
The card is equipped with advanced security features to protect your transactions and ensure the safety of your personal and financial information.
Earn instant WRewards on purchases, and get 3% back in quarterly vouchers when paying with your card.
Application is easy. Simply visit the Woolworths Black Credit Card page, and apply online for a seamless experience.
Follow these simple steps to get started:
The table below outlines the features and charges associated with the Woolworths Black credit card. Note that you can withdraw cash from your card, but at a cost.
The card is issued and supported by Absa, and accepted in stores in South Africa and abroad.
The quoted fees are valid as of 1 January 2024 but may change as of 1 January 2025.
|
Minimum income to qualify |
R41,666 |
|
Interest rate |
22% (but note that interest is tailored to the cardholder’s individual credit profile) |
|
Maximum credit interest |
N/A |
|
Interest-free period (days) |
57 |
|
Monthly card fee |
Accounts before 6 May, 2016: R57.50 |
|
Transaction fee |
Free |
|
Cash withdrawal fee – branch counter |
R80 + R1.50/R100 (maximum R500) |
|
Cash withdrawal fee – Absa and Absa-supported ATM |
R48 |
|
Cash withdrawal fee – another bank’s ATM (Saswitch) |
R31.50 |
|
Cash withdrawal fee – overseas ATM |
R80 |
|
Cash deposit fee – Absa ATM |
R2.50/R100 |
|
Balance enquiry – Absa ATM |
R2 |
|
Balance enquiry – Absa-supported ATM |
R8 |
|
Balance enquiry – Saswitch ATM |
R8 |
|
Replacement card fee |
R150 |
|
Unpaid debit order fee |
R135 |
|
Car courier fee |
R180 |
|
International currency conversation fee |
2.5% of rand value of transaction |
|
Collection fee |
As per the requirements of the Debt Collectors Act 114 of 1998 |
In conclusion, the Woolworths Black credit card offers convenience, savings, and exclusive rewards, ideal for frequent shoppers. If you meet the criteria, apply today to take advantage of its many benefits.
Check your credit score on the JustMoney portal to determine whether you qualify for credit products.
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