The Woolworths Black credit card offers a range of benefits from one of South Africa’s top retailers. 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 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 WRewards promotions and special offers, and can get up to eight additional cards for family or friends at no extra cost.
You also enjoy free standard delivery when shopping at Woolies online or on the app if you pay with your card (express delivery is excluded), and qualify for two complimentary hot beverages a month at Woolies Café, Food To Go, or NOW NOW.
Here are some compelling reasons to choose this card:
Enjoy cashback on all your Woolworths purchases. This essentially means that every time you shop, you save money.
If you’re a Woolworths Black credit cardholder, you also earn WRewards at a higher rate than with the standard Woolworths card, and use them for discounts on groceries, clothing, and other Woolworths products.
You’ll receive a portion of your spending back in cash, with 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, as well as free consular, emergency travel, medical referral and other assistance.
Woolworths Black credit cardholders are offered optional Balance Protection insurance, with a premium payable, 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 if your account is in good standing.
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.
It is easy to apply for the card. Visit the Woolworths Black credit card page, and start your application online for a seamless experience.
Follow these simple steps to get started:
You can use your Woolworths credit card anywhere – it is issued and supported by Absa and accepted in stores in South Africa and abroad.
The quoted fees have been valid since 1 January 2024 and may change in 2025.
Minimum income to qualify |
R41,666 |
Interest rate |
Interest is tailored to the cardholder’s individual credit profile. |
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 conversion 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 if you qualify for credit products.
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