Rating based on 95 reviews


  • Shop online
  • Earn Wrewards
  • Flexible repayment terms

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Author Woolworths. Screenshot of Woolworths website.
[Accessed January 31, 2023]

Woolworths - Quality financing products

A credit card from Woolworths will be the solution to your financial problems.

They opened their first store in 1931 in Cape Town. Since then, they have been providing the best quality food, essentials, and clothing to their customers at the most affordable prices.

Over the years they have opened 400 branches and are still the trusted brand that South Africans know and love.

Amazing customer service

Woolworths believes that when you hire the right people, they will deliver great service and customers will be satisfied. They only employ reliable staff who are passionate about everyday operations and quality.

Find a Woolworths store throughout South Africa

They aim to develop a personalised relationship with you and give you a credit card that suits your individual needs. What makes this even more amazing is the card can also be used internationally.

Alongside their quality in-store products they can also offer you the following competitive financial products:

  • Store cards.
  • Credit cards.
  • Personal loans.
  • Balance protection insurance.
  • Travel insurance.

The convenience of managing your Credit card online

With innovative technology, you can manage your account from anywhere 365 days a year and 24 hours a day. You will have access to service support, be able to make payments, do transactions and manage your profile.

Quality-driven products and services

Their financial products have attractive rates and wonderful terms and conditions, and you can expect to have a seamless shopping experience.

They will give you tailored financial solutions, and you will easily be able to make purchases, manage your budget and save money. The in-store card is known for its flexibility and is a very convenient way to shop.

The black Woolworths Credit card

You can use the Woolworths credit card review to help you compare and decide on the right credit card option for you. To apply for the black Woolworths credit card, you must earn a minimum of R41,666 per month.

A lot of perks come along with these cards like a free Taste Magazine every month, 2 free hot drinks and free delivery for your online shopping.

The Credit card options available

They offer 3 unique credit card options:

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

A variety of ways to make payments 

  • A debit order will go off at a set date each month.
  • You can make an EFT payment.
  • You can make a payment at any ABSA branch.
  • You can also go and make an in-store payment at your nearest Woolworths.

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 important to have a credit card when unexpected expenses arise.

Choosing your card can be challenging with the huge variety of products available in South Africa. The credit card application can be conveniently made online. A professional and helpful consultant will be in contact with you shortly after your application to discuss your loan options.

Additional advantages of the Woolworths Credit card

When you open an account with them you can get up to 8 additional cards and gain instant access to travel insurance and a budget facility. You have up to 60 months to repay your card.

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

A safe and secure shopping experience

When you are doing online shopping with Woolworths you can be assured to have a safe experience. They will send you an OTP for every transaction to protect you from any fraud, and your information will not be shared with any third party.

Requirements when you apply for a Credit card at Woolworths

  • A copy of your ID.
  • A copy of your latest payslip or bank statement not older than 3 months.
  • Proof of residence.
  • You must be above the age of 18.

A Credit card that will make a difference in your life

Make the best choice and get your Woolworths credit card today and start enjoying the benefits that come with being a client at Woolworths.

Woolworths benefits

  • Earn WRewards vouchers.
  • Your credit card can be managed online.
  • Qualified and passionate staff.
  • Quality products and services.
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 —

May 2021

I always love going to Woolworths because of their fantastic deals and serviceThe employee who assisted me was well-spoken and professional.

Kashiwa N
— George —

June 2021

The Woolworths credit card offers so much more than credit. Shopping has become a breeze.

Norman F
— Humansdorp —

October 2021

I am impressed with their financial service! I can now do all the shopping and grab the goodies I need with the Woollies credit card.

Blume M
— Port Elizabeth —

Woolworths Contact

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