Rating based on 95 reviews


  • Shop online
  • Earn Wrewards
  • Flexible repayment terms

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Author Woolworths. Screenshot of Woolworths website.
[Accessed May 13, 2018]

Woolworths - Quality financing products

We opened our first store in 1931 in Cape Town. Since then we have been providing the best quality food, essentials and clothing to South Africa at affordable prices.

We have become successful due to the quality of our products. We strive to serve South Africans and develop a personalised relationship with you, we consider you as an individual and we will give you credit card products that suit your individual needs.

A passion for people

We only employ the highest quality staff who are passionate about everyday operations and quality. We believe that when you hire the right people we will keep up our standard and have customers leaving us with big smiles.

400 stores throughout South Africa

We have opened 400 stores around South Africa. Alongside our quality food and clothing products we also have competitive financial products like quick loans. We can offer you the following:

Our financial products have attractive rates and beneficial terms an conditions. Your shopping experience will improve even more with our credit cards.

Quality-driven products and services

We serve the middle to upper-income market with quality food, clothing and financial products.

Alongside our retail stores, we also have a financial division that supply South Africans with short-term loans, Woolworths credit cards and insurance.

Woolworths credit cards

We offer 3 unique credit cards:

  • Silver credit card with 1% rewards
  • Gold credit card with 2%rewards
  • Black credit card with 3% rewards

With the black Woolworths card, you get a free Taste magazine every month, 2 free coffee’s or tea’s every month and free delivery for your online shopping. This card can be used internationally.

Personal finance solutions

The Woolworths financial services give you personal online finance solutions. You can make a purchase, manage your budget and save money.

Our in-store card is known for its flexibility and is a very convenient way to shop.

We also specialise in revolving personal loans witch comes with the same quality-driven personal attention as with our other products.

Woolworths – Credit card

  • Loan Type Credit cards

Benefits of Woolworths

  • Earn quarterly vouchers
  • Get Wrewards for using your credit card

Woolworths – tell us your financial problems and we will find a solution

It is beneficial to have a credit card when unexpected expenses arise.

At the same time, choosing your card can be difficult due to the variety of products that you can find in South Africa.

Choosing the right credit card

Use the Woolworth credit card review to help you compare and decide on the right credit card option for you. In order to apply for the black Woolworths credit card you must earn a minimum of R41, 500 per month. When you apply for a credit card you must present us with the following:

  • A copy of your SA ID
  • 3 month's bank statements
  • Payslips
  • Proof of residence

Credit card and instant loan applications can be conveniently made online.

Additional benefits

When you open an account with us you can get up to 8 addition cards and you will gain instant access to travel insurance, a budget facility and the option to repay your card up to 60 months.

We also have legal and medical assistance, Visa facilities and purchase protection. With the gold and platinum Woolworths credit cards, you will get up to 3% back on your purchases from other retailers in the form of Wvouchers.

Apply for a loan anytime

Using our online platform you can apply for a loan or credit cards at any time. A professional and helpful consultant will be in contact with you shortly after your application to discuss your loan options.

Our financial service division offers a wide variety of credit products which are all quality driven. Our personal cash loans are quick and will give you peace of mind knowing that we will only present you with the highest quality and affordable options.

We have come a long way since we have opened our first store. Over the years we have open 400 branches and we are still the trusted brand that South African know and love.

If you love the quality of our food and our other products you can be sure to get the same quality-driven financial products. Make the best choice when you are looking for a credit card, get your Woolworths credit card today and start enjoying the benefits that come with being a client at Woolworths.

man holding thumbs up

Woolworths is a trusted & reliable provider of credit cards

In our review, Woolworths adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

Woolworths is a registered credit provider in South Africa: NCRCP49

Customer Reviews & Testimonials

October 2018

I love their clothes, I love their food and now I love their finance! I can now do all the shopping and grab the goodies I need with the Woolies credit card.

Dominique H
— Oudshoorn —

January 2019

I always love going to Woolies because of their fantastic deals and service. I did not expect any different for their financial products. The employee who assisted me was well-spoken, professiona...

Julia A
— Worcester —

February 2019

The Woolies credit card offers so much more than credit. Their credit card offers a reward percentage as well as a monthly free magazine and two free coffees or teas. Shopping is now even more pl...

Duncan S
— Swellendam —

Woolworths Contact

Contact Number



Physical Address

  • Adderley St & Strand Street, Cape Town City Centre Cape Town Western Cape 8001 South Africa
  • Get Directions

Opening Hours

  • Monday 07:00 – 18:00
  • Tuesday 07:00 – 18:00
  • Wednesday 07:00 – 18:00
  • Thursday 07:00 – 18:00
  • Friday 07:00 – 18:00
  • Saturday 09:00 – 17:00
  • Sunday – Closed