image of Woolworths
image of Woolworths

Woolworths is a registered credit provider with South Africa’s National Credit Regulator: NCRCP49

About – Woolworths

It all started back in 1931 when Woolworths opened its first store in Cape Town. Ever since then, the company has been providing the best food, clothing and other essentials to South Africans at affordable prices. We offer the best quality products at the best prices and this is what has made us successful.

400 stores throughout the country

Now we have over 400 stores throughout the country. We offer not only goods to our customers, but comprehensive financial services as well. We have store cards, credit cards and personal loans. We offer attractive rates and highly beneficial terms and conditions. With out credit products, you will have even better shopping experience every time.

Services – Woolworths

Woolworths Financial Services gives you the personal finance solutions that you need to make purchases, manage your budget and save money. Our in-store card is flexible, easy and convenient to use when you go shopping.

You can select from three major credit cards that we offer - silver, gold and black.

With these cards, you get low interest rates which are hard to beat, superb deals on different kinds of products and services and simple and comfortable repayment. We specialise in revolving personal loans as well. We offer the same quality, personal attention and integrity like our parent company - Woolworths.

Summary of Services

  • Credit Cards
  • Debit Cards
  • Bank Accounts
  • Finance Leases
  • Card Products 
  • Transactional Products
  • Lending Products

Woolworths Credit Cards Review - Can They Benefit You and How?

It is always beneficial to have a credit card in your wallet when unplanned expenses show up. At the same time, the choice of card is never an easy one, especially given the great variety of products available in the South African market. Use this Woolworths credit cards review to evaluate these particular products and to decide on their quality and affordability.

professionalism and dedication

Woolworths is one of the major department store chains in the country. Its Financial Services division offers a wide variety of credit products which are of high quality and you can apply for a loan online at any time. You can expect the same professionalism and dedication as with any other reputable lender. You can work with this lender with complete confidence and peace of mind.

There are three Woolworths credit cards to select from.

They are all provided in partnership with Visa so you can use them in all retail outlets and at all ATMs which have the Visa logo. The Silver card has a maximum interest-free period of 55 days. It gives you 1% back on all Woolworths purchases and 0.5% back on purchases from other retailers in the form of Wvouchers. Basically, you will benefit additionally from shopping from the retailer's stores and from other stores as well. You will automatically join the WRewards programme which gives you exclusive offers and special discounts.

get up to 8 secondary cards

There is an automatic travel insurance provided to you when you use the card for purchasing international air travel tickets. There is a lost card protection service, balance protection and a budget facility. Another great benefit is that you can get up to 8 secondary cards at no extra charge. You can qualify for a Silver card with a monthly income of R2 000 or higher. The interest rates and fees are competitive.

2% back on all Woolworths purchases

The Gold and Platinum Woolworths credit cards offer all of these benefits plus some extras. With the Gold card, you will get free legal and medial assistance. Besides, you will get 2% back on all Woolworths purchases and 0.75% back on purchases from other retailers in the form of Wvouchers. For the Platinum card, the percentages are 3% and 1% respectively. There are extra benefits in addition to the legal assistance. This review concludes that the Woolworths credit cards are highly useful, especially to people who plan to use them extensively for making purchases.

 Contact Details

Adderley St & Strand Street, Cape Town City Centre, Cape Town, Western Cape, 8001, South Africa
Ph: 021 481 7111
Fx: 021 407 3995
Em: [email protected]

 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 –