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Woolworths Gold credit card review: Get cash back, discounts, and more

Read this Woolworths Gold credit card review and learn about this card's exclusive perks and its cash back rewards.

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by Danilo Pereira

Published on 01/09/2023

With this card, you have access to reward points and exclusive perks

Woolworths Gold credit card
This review will show how this credit card will add rewards to your wallet. Source: The Post New.

If you are looking for a credit card that offers multiple benefits, this one might just be what you have been looking for. Learn about it in this Woolworths Gold credit card review.

Woolworths Gold credit card

How to apply for Woolworths Gold credit card

In this Woolworths Gold credit card application guide we will show you how you can get this card to start enjoying its rewards and perks.

  • Credit Score: Not specified
  • APR: 21%
  • Monthly Fee: R53.00
  • Fees: 2.5% foreign currency conversion fee, R60.00 foreign ATM fee
  • Welcome bonus: N/A
  • Rewards: 2% cash back on Woolworths stores, 0.75% cash back on purchases at other merchants or stores, 5% off WREWARDS items at Woolworths.

The Woolworths Gold credit card is not a card which caters to Woolworths shoppers only. It offers multiple benefits even if you use it for purchases at other stores or merchants.

It is valid in all stores in South Africa and in various places around the world.

Woolworths Gold credit card: how it works?

When you use the Woolworths Gold credit card at a Woolworths store, you get a 2% reward. The issuer sends your rewards every quarter in the form of a voucher.

When you get approved for this card, there is an initiation fee of R185.00. The card also requires a minimum income of R3000.0 a month so that you qualify.

By getting this card you automatically become a member of WREWARDS. This gives you 5% off when you purchase WREWARDS items and pay with your Woolworths Gold credit card. You will also earn 0.75% back when you use your card at any store.

The card comes with a monthly service fee of R53.00. This is a reasonable fee for a gold credit card in South Africa. When you make purchases abroad, however, you will be subject to fees. Also, ATM withdrawals abroad incur a R60.00 fee. 

Other benefits include free access to the Woolies mobile app, lost card protection, the ability to add more cards for free and balance protection.

The card also offers optional medical and legal assistance, travel insurance for travelers under the age of 75.

Significant benefits and disadvantages you may find in your Woolworths Gold credit card

Woolworths Gold credit card
This credit card is full of valuable rewards for its cardmembers. Source: Canva.

Now that you are familiar with this card’s details, it is time to take a look at its pros and cons. Our Woolworths Gold credit card review would not be complete without it.

So have a look at the list of benefits and disadvantages we have prepared for you below.

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Benefits

  • Easy application
  • Wide variety of rewards
  • Low monthly fee
  • Nationwide coverage

Disadvantages

  • Low, but not the lowest interest rate
  • Charges a monthly fee

Is a good credit score required for applicants?

The Woolworths Gold credit card has no specific credit requirements. The only requirements the card has is that you are at least 18 years old, have a valid ID number and a monthly income of at least R3000.00.

Learn how to apply and get a Woolworths Gold credit card

If you like what you have seen in this Woolworths Gold credit card review, you might want to take the next step and apply for it. If that is the case, then click the link below and we will show you how to do it.

Woolworths Gold credit card

How to apply for Woolworths Gold credit card

In this Woolworths Gold credit card application guide we will show you how you can get this card to start enjoying its rewards and perks.

About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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