Woolworths Black Credit Card 2025
Premium store credit card offering 3x WRewards points at Woolworths, exclusive discounts, and premium shopping benefits. Perfect for loyal Woolworths customers.
Key Features & Benefits
WRewards Points
Earn 3x points at Woolworths, 2x points on fuel, 1x point elsewhere
Premium Benefits
Exclusive discounts, early access to sales, special member prices
Insurance Coverage
Purchase protection and extended warranty on eligible items
Contactless Payments
Tap-to-pay technology for quick and secure transactions
Online Management
Manage your account online and via the Woolworths app
Flexible Payments
Budget facility and installment options available
WRewards Points Calculator
Calculate Your Monthly Rewards
Monthly Rewards Breakdown
WRewards Points System
Woolworths Stores
100 points = R1
Includes:
- Food
- Clothing
- Home & Garden
- Beauty
Fuel Purchases
100 points = R1
Includes:
- Engen
- Shell
- BP
- Sasol
Other Purchases
100 points = R1
Includes:
- Restaurants
- Online shopping
- Entertainment
- Travel
Exclusive Benefits
Shopping Benefits
- 10% discount on Woolworths clothing first Tuesday of every month
- Exclusive member-only sales and promotions
- Early access to seasonal collections
- Free delivery on online orders over R450
Fees & Charges
| Fee Type | Amount |
|---|---|
| Annual Fee | R250 |
| Joining Fee | R0 |
| Monthly Account Fee | R15 |
| Cash Advance Fee | R35 + 3% |
| Over Limit Fee | R200 |
| Late Payment Fee | R200 |
| Returned Debit Fee | R75 |
| Statement Copy | R25 |
Application Requirements
Age & Residency
- Must be 18 years or older
- South African citizen or permanent resident
- Valid South African ID document
Income Requirements
- Minimum monthly income of R8,000
- Stable employment for at least 3 months
- Latest salary slip or bank statements
Credit Requirements
- Good to excellent credit score
- No recent defaults or blacklistings
- Clear credit bureau report
Documentation
- Proof of income (salary slip/bank statements)
- Proof of residence (utility bill)
- Bank account details
- Contact references
Frequently Asked Questions
What are the benefits of the Woolworths Black Credit Card?
The Woolworths Black Credit Card offers 3x WRewards points at Woolworths, 10% discount on clothing first Tuesday of every month, exclusive sales access, priority customer service, and purchase protection insurance.
How do WRewards points work?
Earn 3 points per R1 spent at Woolworths, 2 points per R1 on fuel purchases, and 1 point per R1 on all other purchases. 100 points = R1 in rewards value, which can be redeemed for discounts on future purchases.
What is the credit limit for the Woolworths Black Credit Card?
Credit limits range up to R50,000, depending on your income, credit score, and affordability assessment. The minimum income requirement is R8,000 per month.
Can I use the Woolworths Black Credit Card anywhere?
Yes, the Woolworths Black Credit Card can be used anywhere that accepts credit cards, both locally and internationally. However, you earn the highest rewards when shopping at Woolworths stores.
How long does the application process take?
Applications typically take 5-10 business days to process. You can apply online, in-store, or by phone. Instant approval may be available for qualifying applicants.
Is there a joining fee for the Woolworths Black Credit Card?
No, there is no joining fee for new applications. The annual fee is R250, and there's a monthly account fee of R15. The first annual fee is often waived for new customers.
Ready to Apply for Your Woolworths Black Credit Card?
Start earning 3x WRewards points and enjoy exclusive shopping benefits. Apply online or visit your nearest Woolworths store to get started.
Terms and conditions apply. Credit approval subject to affordability and credit assessment.