Woolworths Black Credit Card: Premium Rewards, Cashback and Exclusive Perks

Looking for a card that truly rewards your shopping? Discover Woolworths Black Credit Card’s cashback, perks and exclusive lifestyle extras for savvy South Africans.

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Woolworths Black Credit Card

Earn 3% back on Woolworths spend, extra reward vouchers every 3 months, complimentary online delivery and lifestyle perks for just a R69 monthly fee.




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The Woolworths Black Credit Card sets the benchmark for rewards and premium experiences in South Africa. With this card, you earn 3% back on every Woolworths purchase in WRewards, plus an extra 1% in vouchers every quarter. Enjoy two free hot beverages per month, complimentary Woolies online delivery, extended warranties, and free Taste magazine to elevate your everyday. The credit card comes with a monthly service fee of R69 and an initiation fee of R100. Credit limits and interest rates depend on individual assessment, but qualifying for the Black Card brings a wealth of exclusive rewards and privileges.

How to Apply: Step by Step

  • Ensure you meet the credit and income requirements.
  • Complete the online application form on Woolworths Financial Services.
  • Upload or provide supporting documents such as proof of income.
  • Wait for approval – typically a quick decision for qualified applicants.
  • Once approved, receive your card and activate it online or in-store.

Pros: Real Rewards and Lifestyle Perks

The Woolworths Black Credit Card’s main highlights are the generous cashback (3%) and the supplementary 1% voucher, helping shoppers stretch every rand further. Added perks like free online delivery and hospitality offers make grocery shopping and everyday spending convenient and rewarding. Up to eight free additional cards for family members add further value without extra cost.

Cons: Fees and Requirements

While the monthly fee of R69 is competitive for a premium card, it may not suit budget-conscious individuals. The initiation fee adds to the upfront cost, and full benefits are most attractive to regular Woolies shoppers. The credit approval process is also subject to affordability and eligibility criteria.

Verdict: Best Suited for Woolworths Fans

If you value groceries, premium service, and rewards, the Woolworths Black Credit Card offers an impressive package with tangible cashback and lifestyle extras. The real benefit is felt by those who regularly shop at Woolies, maximising points and perks each month. For those seeking simplicity and clear rewards, this card stands out in the South African credit card landscape.

Recommended for you

Woolworths Black Credit Card

Earn 3% back on Woolworths spend, extra reward vouchers every 3 months, complimentary online delivery and lifestyle perks for just a R69 monthly fee.




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