Verdict up front: For most Woolworths shoppers, the ANZ Rewards Black or ANZ Frequent Flyer Black is the best card to use at Woolworths right now — thanks to the October 2025 Everyday Rewards partnership that lets you convert ANZ points to Everyday Rewards dollars directly. If you want a no-annual-fee option, the Woolworths Everyday Platinum earns 2 Everyday Rewards points per $1 at Woolworths stores.
Last updated: April 2026 | [Affiliate disclosure: We earn a commission if you apply via our links.]
Most credit card comparison guides answer “best credit card for Woolworths” with a generic rewards roundup. That’s not helpful if you actually shop at Woolworths every week and want to know exactly which card puts the most money back in your pocket.
This guide does the maths for you. At a spend of $200/week at Woolworths ($10,400/year), here’s what each card actually earns.
Why Woolworths Shopping Has Changed (October 2025)
In October 2025, Woolworths Group and ANZ announced a new credit card partnership connecting ANZ’s Rewards points program to Everyday Rewards. This is significant because it means ANZ cardholders can now convert their ANZ Rewards points into Everyday Rewards dollars — the currency you use to get dollars off at Woolworths, BIG W, BWS, and Ampol fuel.
Before this partnership, the best cards for Woolworths shoppers were narrower. Now, several ANZ cards deserve a place in this comparison.
The Shortlist
1. ANZ Rewards Black — Best for High Spenders
Annual fee: $375
Earn at Woolworths: 1.5 ANZ Rewards points per $1 (convertible to Everyday Rewards)
Sign-up bonus: Check current offer at ANZ
Who it’s for: Households spending $2,000+/month across all purchases
The ANZ Rewards Black has one of the highest points earn rates of any card that partners with the Everyday Rewards ecosystem. At $10,400/year spent at Woolworths, you’d earn 15,600 ANZ points — plus whatever you earn on your other spending. The $375 annual fee is meaningful but manageable if you’re also earning points on fuel, restaurants, and other everyday spend.
Break-even: You need to value your ANZ Rewards points at roughly $0.025 each to break even on the annual fee from Woolworths spend alone. Most people spend enough elsewhere to make it work.
âž¡ï¸ Apply for ANZ Rewards Black → (affiliate link)
2. Westpac Altitude Rewards Black — Also Partners with Everyday Rewards
Annual fee: $295 (first year often discounted)
Earn at Woolworths: 1.25 Westpac Altitude points per $1
Who it’s for: Woolworths shoppers who want Everyday Rewards without the ANZ fee
St George, Bank of Melbourne, and BankSA (all Westpac subsidiaries) also partner with Everyday Rewards — meaning Altitude Rewards points can be converted to Everyday Rewards dollars. At a lower annual fee than ANZ Black, this is a solid middle-ground option.
âž¡ï¸ Apply for Westpac Altitude Black → (affiliate link)
3. Woolworths Everyday Platinum — Best No-Annual-Fee Option
Annual fee: $49
Earn at Woolworths: 2 Everyday Rewards points per $1 at Woolworths, 3 points per $1 on Woolworths brand products
Who it’s for: Budget-conscious shoppers who want simplicity and a near-zero annual fee
This is the Woolworths own-brand credit card, issued via Woolworths’ banking partner. The earn rate at Woolworths stores is actually competitive — 2 points per $1 is more than most generic rewards cards offer at supermarkets. The $49 annual fee is the lowest of any card with meaningful Everyday Rewards earn.
The catch: The earn rate drops to 1 point per $1 everywhere else. If you want a single card for all your spending, this isn’t it.
âž¡ï¸ Apply for Woolworths Everyday Platinum → (affiliate link)
4. American Express Platinum Edge — Best for Woolworths + Petrol Combined
Annual fee: $195
Earn at Woolworths: 3 Amex Membership Rewards points per $1 at supermarkets (including Woolworths)
Earn at petrol: 2 Amex points per $1
Who it’s for: Shoppers who also fill up the car regularly and want one card to maximise both
The Amex Platinum Edge is one of the few cards that specifically rewards supermarket spending with a boosted rate (3x). Amex Membership Rewards points can be transferred to Qantas, Velocity, Singapore Airlines KrisFlyer, and several hotel programs — so if flights eventually appeal, this card positions you well.
The catch: Amex isn’t accepted everywhere. Pair it with a no-fee Visa or Mastercard for merchants who don’t take Amex.
âž¡ï¸ Apply for Amex Platinum Edge → (affiliate link)
The Maths: What Does Each Card Actually Earn at Woolworths?
Assumptions: $200/week Woolworths spend = $10,400/year. Points valued at standard redemption rates.
| Card | Annual Fee | Points Earned (Woolworths only) | Est. Points Value | Net Return After Fee |
|---|---|---|---|---|
| ANZ Rewards Black | $375 | 15,600 ANZ pts | ~$390 | +$15 |
| Westpac Altitude Black | $295 | 13,000 Altitude pts | ~$325 | +$30 |
| Woolworths Everyday Platinum | $49 | 20,800 ER pts | ~$104 | +$55 |
| Amex Platinum Edge | $195 | 31,200 MR pts | ~$312 | +$117 |
Note: Points values are estimates based on standard redemption. Qantas/Velocity point transfers can yield higher value.
The Amex Platinum Edge wins on raw maths for a Woolworths-only comparison — but only if you’re comfortable using Amex and it works where you shop. For people who want Visa/Mastercard reliability, the Woolworths Everyday Platinum has the best return-to-fee ratio.
Stacking: How to Earn Even More
The best Woolworths shoppers don’t just use one earning mechanism — they stack them:
Layer 1: Swipe your credit card → earn credit card points
Layer 2: Scan your Everyday Rewards card → earn Everyday Rewards points
Layer 3: Shop via ShopBack or TopCashback online → earn cashback on Everyday Rewards purchases
All three are stackable. Most people only do Layer 2.
Practical tip: Set your Everyday Rewards card as the default in the Woolworths app. Scan automatically at self-checkout, then tap your credit card. Takes zero extra time.
Who Should Skip a Rewards Card for Woolworths
If you carry a balance on your credit card month-to-month, skip rewards cards entirely. The interest charges (typically 20–22% p.a.) will cost far more than the rewards you earn. In that case, a low-rate card with no annual fee is a better fit.
Frequently Asked Questions
What credit card works with Everyday Rewards?
ANZ (Rewards and Frequent Flyer cards), Westpac and its subsidiaries (Altitude), St George, Bank of Melbourne, and BankSA all partner with Everyday Rewards as of 2026. You can convert points from these cards into Everyday Rewards dollars.
Is the Woolworths credit card worth it?
The Woolworths Everyday Platinum is worth it for pure Woolworths shoppers — the $49 annual fee is easily offset if you spend over $50/week at Woolworths. The earn rate at other retailers is low, so it works best as a dedicated Woolworths card alongside a general rewards card.
Does Amex work at Woolworths?
Yes — Woolworths supermarkets accept American Express. The Amex Platinum Edge earns 3 points per $1 at supermarkets including Woolworths.
What’s the best card if I also shop at Coles?
Cards with Flybuys earn at Coles. The Coles Rewards Mastercard earns Flybuys points. If you split your shopping between Woolworths and Coles, a general Amex or bank rewards card (with airline points transfer) is usually better than either store card.