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Woolworths Gold Credit Card

The Woolworths Gold Credit Card provides South African consumers with a range of benefits and rewards. We explore its advantages and key features.

1 November 2024

The Woolworths Gold Credit Card offers an array of rewards and benefits, including quarterly Woolworths vouchers, cashback on purchases, quick access to cash, and purchase protection.

To qualify, you must be 18 years or older, have a valid South African identity number, and earn R3,000 a month or more.

Tip: A budget calculator can help you manage your monthly budget and credit use.

Why choose the Woolworths Gold Credit Card?

The Woolworths Gold Credit Card comes with a range of benefits, including automatic membership of the Woolworth WRewards programme. The following are some additional advantages to holding this card.

Cashback rewards

Cardholders enjoy substantial cashback on Woolworths purchases. This means that every time you shop, you get an instant discount on selected items, saving you money on everyday shopping.

Cardholders receive a portion of their spending back in cash, with vouchers paid out quarterly. The reward rate varies depending on where they shop: 2% for Woolworths purchases, and 0.75% for purchases outside of Woolworths (including fuel purchases).

Exclusive discounts

As a Woolworths Gold Credit Card holder, you gain access to discounts and special offers on a wide range of products, providing you with value for money.

Premium customer service

Experience top-notch customer service with dedicated support, whether you have a query about your statement or need assistance with your card.

Travel insurance

Travel with peace of mind, knowing that your Woolworths Gold Credit Card includes basic travel insurance, if you buy your return international ticket with the card.

You and family members travelling with you can also take advantage of a free assistance service, for trips of up to 90 days’ duration. Get telephonic medical advice, be referred to medical service providers, and access monitoring of any medical conditions during and after hospitalisation.  

Woolworths Gold Credit Card features

Flexible payment options

The Woolworths Gold Credit Card offers flexible repayment options. You can choose to pay in full, or spread your payments over a period that suits you.

Secure transactions

The card has advanced security features to protect your transactions and ensure the safety of your personal and financial information.

Rewards programme

Earn instant rewards on purchases, which translates into more value every time you shop.

How do I apply for the Woolworths Gold Credit Card?

Applying for the card is straightforward. Follow these easy steps to get started:

  • Fill out the application form. Provide accurate personal and financial details.
  • Submit the required documents. Ensure you have all necessary documents ready, and upload as instructed.
  •  Wait for approval and for the card to be issued. Once your application is approved, your card will be issued, and you can start enjoying the benefits

The table below outlines the features and charges associated with the Woolworths Gold Credit Card. Note that you can withdraw cash from your card, but at a cost.

The card is issued and supported by Absa, and is valid for purchases in South Africa and abroad.

All quoted fees are valid as of 1 January 2024 but may change as of 1 January 2025.

Minimum income

R3,000 a month

Interest rate

22% (but note that interest is tailored to the cardholder’s individual credit profile)

Interest-free period (days)

57

Monthly card fee

Accounts prior to 6 May, 2016: R57.50

Accounts from 6 May, 2016: R60 + R193 initiation fee

Transaction fee

Domestic card purchases are free

Cash withdrawal fee – branch counter (any local bank)

R80 + R1.50/R100 (maximum R500)

Cash withdrawal fee – Absa and Absa-supported ATM

R27

Cash withdrawal fee – another bank’s ATM (Saswitch)

R31.50

Cash withdrawal fee – overseas ATM

R80

Cash deposits – branch counter

R17.50 + R1/R100 (maximum R500) at any local bank

Cash deposits – Absa ATM

R2.50/R100

Balance enquiry – Absa and Absa-supported ATM

R2

Balance enquiry – Saswitch ATM

R8

Account payments – Absa ATM

R4.50 + R1.50/100 (maximum R15)

Transfer fee – ATM

R30

Transfer fee – bank branch

R30

Statement fee – Absa ATM mini-statement

R7

Replacement card fee

R150

Collection fee

As per the requirements of the Debt Collectors Act 114 of 1998

Unpaid debt order fee

R135

Card courier fee

R180

Internet banking fee

Free

Second card fee

Free

Travel insurance

Free basic travel insurance

International currency conversion fee

2.5% of rand value of transaction

Card protection

Basic R5.25/R1,000 outstanding
Comprehensive R5.50/R1,000 outstanding

Balance protection insurance

R5.50 per R1,000 outstanding balance per month

The Woolworths Gold Credit Card provides a combination of convenience, savings, and rewards designed for frequent shoppers.

Its features can enhance your shopping experience and provide financial flexibility for cardholders – apply today.

Log on to JustMoney to check your credit score and determine whether you qualify for credit products.

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