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https://www.everydaymoney.com.au/edm/wps/portal/money
0% p.a. on purchases for 9 months1.
3 points for every $1 spent2 on Woolworths Select products purchased in-store at
Woolworths Supermarkets and Woolworths Mobile products purchased in-store at
Woolworths Supermarkets, BIG W, Woolworths Liquor and BWS.
2 points for every $1 spent 3 on products purchased at Woolworths Supermarkets,
BIG W, CALTEX WOOLWORTHS co-branded fuel outlets, epump, Woolworths Liquor, BWS,
Dan Murphy's, Thomas Dux, Cellarmasters, Masters and participating Dick Smith
stores.
1 point for every $1 spent4 on most other purchases.
Hassle-free money back rewards5 – every 4 months, with enough points, you'll
automatically get money back as a Shopping Card.
Up to 55 days interest free on
purchases6 (when you pay your closing balance in full by the due date each
month).
Low annual fee of $49
The Woolworths Everyday Money credit card is issued by HSBC Bank . HSBC lending
criteria applies.
Fees, Charges and Interest Rates apply and are current as at 1 March 2012 and
are subject to change.
Terms and conditions apply and are available at everydaymoney.com.au.
An annual fee which is currently $49 applies for the Woolworths Everyday
Money credit card. MasterCard and the MasterCard Brand Mark are registered
trademarks of MasterCard International Incorporated. PayPass is the trademark of
MasterCard International Incorporated.
1. This offer is only available to new cardholders who apply between 6 March
and 31 July 2012. After the promotional period, any purchase/promotional
balances outstanding will accrue interest at the Purchase Interest Rate current
at the time (currently 19.84% p.a.).
Offer cannot be used in conjunction with any other offer. Account must be in
good order and not in arrears at time of fulfilling offer. Eligible purchases
exclude business expenses, interest free promotions, balance transfers and cash
transactions. 2. Earning of rewards points from credit card transactions is
subject to the Woolworths Everyday Money credit card Conditions of Use. No
points are earned on business expenses, interest free promotions, balance
transfers and cash advances. Earn 3 points per $1 spent on Woolworths Select
products purchased at Woolworths Supermarkets, excluding online purchases. Earn
3 points per $1 spent on Woolworths Mobile products purchased in-store at
Woolworths Supermarkets, BIG W, Woolworths Liquor and BWS.
3. Earn 2 points per $1 spent on other products purchased at Woolworths
Supermarkets, BIG W, CALTEX WOOLWORTHS co-branded fuel outlets, epump,
Woolworths, Dan Murphy's, BWS, Thomas Dux, Cellarmasters, Masters and
participating Dick Smith stores. Some exclusions apply.
4. Earn 1 point per $1 spent on all other purchases (excludes interest free
promotions, balance transfers and cash advances).
5. Every 4 months (or annually if nominated), points are automatically converted
to an Everyday Money Shopping Card redeemable at participating Woolworths group
stores. Participating stores may change from time to time. The Shopping Card
expires 90 days after date of issue and is currently not accepted at DVD vending
machines, mobile EFTPOS terminals and some designated Dick Smith stores and
CALTEX WOOLWORTHS co-branded fuel outlets. For a full list of participating
stores where you can use your Shopping Card, details of the points you'll need
to obtain one, and to find out its value, visit everydaymoney.com.au or call
1300 10 1234.
Minimum of 4,000 points is required to receive a $20 Shopping Card.
6. The interest free days apply to
purchases appearing on a statement only if the closing balance of the statement
and the closing balance of the previous statement are paid by the statement due
dates. The closing balance includes any cash advance or balance transfer
amounts. To gain the benefit of the 55 days you must pay the total outstanding
balance in full (including any balance transfer or other promotion amounts).
There is no interest free period for cash advances or balance transfers.
Annual Card Fee $49 .
Purchases: (variable rate) 19.84% p.a.
Cash Advance: (variable rate) 21.34% p.a.
Balance Transfers 5.99% p.a. for 6 months³ from non Woolworths/HSBC credit and
store cards.
Interest Free period Up to 55 days interest free on purchases4 when you pay your
closing balance in full by the due date each month.
Rewards Earn up to 3 money back reward points per $1 spent on purchases¹.
Every 4 months, providing you have earned enough, your points will automatically
be converted to shopping cards which can be used at over 3000 Woolworths Groups
stores5.
Earn Qantas Frequent Flyer points - 1 point per $1 spent on most purchases².
Plus
Turbo charge your points6 with Everyday Rewards program partners
Redeem your points for domestic and international flights & over 1800 items from
the Qantas Frequent Flyer store.
MasterCard® PayPass™ Yes
Pay at the Pump- epump Yes
Find out more
Everyday Money credit card
features
As well as valuable rewards and exclusive access to epump, the Everyday Money
credit card offers you everything you'd expect from a credit card, including:
•Low annual fee of only $49 find out more
•Free additional cardholder find out more
•A competitive credit card interest rate find out more
•Up to 55 days interest free on purchases(1) find out more
•5.99% p.a. for 6 months on balance transfers(2) find out more
•Worldwide acceptance find out more
•Chip security find out more
•MasterCard® PayPass™ find out more
•Access to Woolworths credit card Repayment Protection find out more
•We'll even let you choose your card colour - now that's refreshing! find out
more
Low annual fee
Only $49 per year. Back to top
Free additional cardholder
You can apply for a family member or friend who is over 16 years of age to
become an additional cardholder on your Everyday Money credit card. You’ll even
earn reward points for purchases on the additional card. Simply complete the
relevant section of the Everyday Money credit card application. Back to top
A competitive credit card interest rate
The Everyday Money credit card offers a competitive interest rate (currently
19.84% p.a. on purchases and 21.34% p.a. for cash advances). Back to top
Up to 55 days interest free on purchases
With an Everyday Money credit card you can benefit from up to 55 days interest
free on purchases.(1) Back to top
5.99% p.a. on card balance transfers for the first 6 months
Your Everyday Money credit card gives you the option to transfer the balances
from your non-HSBC credit or store cards, enabling you to reduce the cost and
difficulty of managing more cards. Apply now and you’ll pay a low 5.99% p.a. for
the first 6 months on balance transfers from non-HSBC credit or store cards.(2)
Back to top
Worldwide acceptance wherever you see the MasterCard® logo
The Everyday Money credit card is accepted at over 26 millions locations
worldwide wherever you see the MasterCard® logo. Back to top
Chip security
A microchip is embedded in the Everyday Money credit card plastic. The
chip-enabled card carries more sophisticated payment applications, including
enhanced security programs that provide better protection against unauthorised
card use. Back to top
Access to Woolworths Credit Card Repayment Protection
Protect yourself from the unexpected with Woolworths Credit Card Repayment
Protection. Get help with your monthly credit card repayments if you’re
involuntarily unemployed (due to redundancy or retrenchment) or can’t work due
to injury or sickness. If you become totally and permanently disabled or were to
pass away, the outstanding balance on your card is repaid up to a maximum of
$50,000.
Woolworths Credit Card Repayment Protection doesn’t cost much. You'll pay
just 69c for each $100 of your monthly outstanding balance. There are no medical
examinations or health questions to answer and you have a 30-day cooling off
period. If you’d like to apply simply select this option when you apply for the
Everyday Money credit card, download a form or call Customer Service on 1300 10
1234.
Download a Product Disclosure Statement and Financial Services Guide Back to top
We'll even let you choose your own card colour - now that's refreshing!
When you apply for the Everyday Money credit card you can choose from a black,
pink, blue or green card. And if you apply for an additional cardholder they too
can choose their own card colour. Back to top
To find out more about the features visit the FAQs.
Credit card issued by HSBC Bank Australia Limited ABN 48 006 434 162. ("HSBC")
ACL 232595. HSBC lending criteria applies. Terms and conditions apply and are
available upon request. Fees, charges and interest rates apply and are current
as at 1 October 2011 and are subject to change.
(1) The interest free days apply to purchases appearing on a statement only if
the closing balance of the statement and the closing balance of the previous
statement are paid by the statement due dates. The closing balance includes any
cash advance or balance transfer amounts. To gain the benefit of the 55 interest
free days you must pay the total outstanding balance in full (including any
balance transfer or other promotional amounts). There is no interest free period
for cash advances or balance transfers.
(2) The interest rate of 5.99% will apply for the first 6 months of your balance
transfers from non HSBC/Woolworths credit or store cards. After this period, any
balance outstanding from the balance your transfer will accrue interest at the
Cash Advance Interest Rate applicable at the time (currently 21.34%p.a) HSBC may
allocate payments we receive from you to pay the total amount owing in any order
we see fit, including applying any or all payments made to your Woolworths
credit card account, to reduce the balance(s) transferred first and then any
subsequent purchases.
* Important Insurance Information
This is only a brief summary of the benefits that apply. Please consider the
Product Disclosure Statement and Policy Document before deciding whether to
obtain Woolworths Credit Card Repayment Protection.
The insurance is co-issued by AIA Australia Limited (ABN 79 004 837 861 AFSL No.
230043) and Great Lakes Reinsurance (UK) PLC (ARBN 127 740 532 ABN 18 964 580
576 AFSL 318603) trading as Great Lakes Australia. Woolworths Everyday Money is
a registered trademark of Woolworths Limited ABN 88 000 014 675. Neither AIA
Australia's nor Great Lakes Australia's obligations represent liabilities of
Woolworths Limited. Woolworths Limited does not stand behind AIA Australia or
Great Lakes Australia. Woolworths Limited does not issue this insurance or
guarantee any of the benefits under the cover nor is it otherwise responsible
for the payment of any claims.
Woolworths Limited is an authorised representative (Authorised Representative
No. 245476) of AIA Financial Services Limited (AIAFS), ABN 68 008 540 252 AFSL
231109 in relation to making Woolworths Credit Card Repayment Protection
available on the Everyday Money or Everyday Rewards website.
This information is intended to provide general product information only and has
been prepared without taking into account any of your particular objectives,
needs or financial situation. Before making a decision regarding the acquisition
or disposal of Woolworths Credit Card Repayment Protection you should assess
whether Woolworths Credit Card Repayment Protection is appropriate to your
objectives, needs or financial situation.
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