Verdict up front: For most Woolworths shoppers, the Amex Platinum Edge ($195/year, often $0 in Year 1) is the best card on raw maths – 3 points per $1 at supermarkets and petrol stations covers your two biggest weekly outflows. If you want a Visa that plugs into Everyday Rewards, the ANZ Rewards Black ($375) earns 2 points per $1 and converts to Everyday Rewards dollars under the October 2025 ANZ–Woolworths partnership. And if you’re looking for the Woolworths Everyday Platinum that other guides still recommend – it’s closed to new applicants. That card is gone; the guides just haven’t noticed.
Last updated: June 2026 | [Affiliate disclosure: I earn a commission if you apply via my links – it never affects which cards I recommend.]
Most “best credit card for Woolworths” guides on the first page of Google were written before October 2025. Point Hacks’ top-ranking article is from April 2020 – five years and one major partnership ago. Several still recommend Woolworths’ own credit card, which no longer accepts applications. They’re not wrong on purpose; they’re just out of date.
The October 2025 Woolworths–ANZ partnership rewrote the answer to this question. ANZ Rewards cards that had nothing to do with Everyday Rewards twelve months ago now convert into it. If you’re picking a card for Woolworths shopping in 2026, the answer isn’t the same as it was in 2024.
I’ve done the maths at the spend most Australian households actually run through Woolworths – $200/week, or $10,400/year. Here’s what each card actually earns you.
What changed in October 2025
In October 2025, Woolworths Group and ANZ launched a loyalty partnership connecting ANZ Rewards to Everyday Rewards. In plain English: ANZ Rewards cardholders can now convert ANZ Rewards points into Everyday Rewards points – the currency you redeem for money off at Woolworths, BIG W, and BWS.
The actual conversion mechanics (most guides skip these): 2,700 ANZ Rewards points convert to 2,000 Everyday Rewards points, which equal $10 off a future Woolworths shop. That values each ANZ point at roughly 0.37 cents when redeemed this way. You can also set up automatic conversion so points flow across without thinking about it.
That number matters because it tells you how to read every comparison table on the internet: an ANZ point converted to Everyday Rewards is grocery money at a modest rate, not premium frequent-flyer value. It’s convenient, it’s real, but it’s not magic.
The other change nobody mentions: Woolworths’ own credit card – the Everyday Platinum – is closed to new applications. Woolworths and its issuing partner wound the card program down. If a guide is still recommending it, close the tab; the recommendations in it are based on a market that no longer exists.
The shortlist
1. Amex Platinum Edge – best on raw maths
- Annual fee: $195 (often $0 in the first year – check the current offer)
- Earn at Woolworths: 3 Amex Membership Rewards points per $1 at major supermarkets
- Earn at petrol: 3 points per $1 at major petrol stations
- Earn elsewhere: 1 point per $1 (2 points per $1 on foreign currency spend)
- Who it’s for: Households whose two biggest card categories are groceries and fuel
The Platinum Edge earns more raw points at Woolworths than any other card on this list, and the same boosted rate now applies at petrol stations too. Membership Rewards points transfer to Velocity, Qantas, KrisFlyer, and several hotel programs – so the points are worth meaningfully more per point than store currencies if you ever redeem for flights.
The catch I want to be upfront about: Amex isn’t accepted everywhere. Woolworths supermarkets do take it. Smaller retailers, regional servos, and some independent cafes don’t. Pair the Platinum Edge with a no-fee Visa or Mastercard for places it’s not accepted. See the Amex Platinum Edge in the petrol comparison for the full grocery + petrol stacking maths.
➡️ Apply for the Amex Platinum Edge → (affiliate link)
2. ANZ Rewards Black – best Visa if you want Everyday Rewards conversion
- Annual fee: $375
- Earn rate: 2 ANZ Rewards points per $1 on eligible purchases up to $5,000 per statement period, then 1 point per $1
- Everyday Rewards conversion: 2,700 ANZ points → 2,000 Everyday Rewards points → $10 off at Woolworths
- Sign-up bonus: Varies – check the current offer at ANZ
- Who it’s for: Households spending $2,500+/month across all purchases who want a Visa, not an Amex
The ANZ Rewards Black has one of the strongest earn rates of any Visa that plugs into the Everyday Rewards ecosystem – 2 points per $1 on the first $5,000 each statement period covers most households’ entire monthly spend at full rate.
My take: the $375 fee is meaningful, and grocery conversion at 0.37c per point won’t cover it on Woolworths spend alone – you need to be putting fuel, restaurants, and bills through the card too. ANZ points also transfer to Velocity, which is usually better value than the grocery redemption if you fly even occasionally. Treat the Everyday Rewards conversion as a flexibility feature, not the headline.
➡️ Apply for the ANZ Rewards Black → (affiliate link)
3. Westpac Altitude Black – the other Everyday Rewards path
- Annual fee: $295 (first year often discounted – check the current offer)
- Earn at Woolworths: 1.25 Westpac Altitude points per $1
- Who it’s for: Woolworths shoppers who want Everyday Rewards conversion without the ANZ Black’s fee
St George, Bank of Melbourne, and BankSA (all Westpac subsidiaries) also partner with Everyday Rewards. Altitude points convert to Everyday Rewards dollars, giving Westpac-side customers the same grocery-redemption flexibility ANZ customers got in October 2025.
My take: the Altitude Black sits in the middle on both fee and earn rate. If the ANZ Rewards Black’s $375 feels heavy and you’re set on a Visa, this is the compromise – but check the current conversion terms before applying, and run the maths on your actual spend rather than the marketing page’s.
➡️ Apply for the Westpac Altitude Black → (affiliate link)
What happened to the Woolworths Everyday Platinum?
Woolworths’ own credit card – $49 a year, 2 Everyday Rewards points per $1 at Woolworths – was the obvious budget pick for years. It’s closed to new applications. Existing cardholders keep their cards, but you can’t get one anymore.
If you wanted that card’s job done (cheap, simple, earns on the weekly shop), your closest 2026 options are: scan your free Everyday Rewards card at the checkout and pay with whatever rewards card you already hold, or step up to one of the three cards above if your total spend justifies a fee. There’s no like-for-like replacement, and I’d rather tell you that than pretend there is.
The maths: what each card actually earns at $10,400/year of Woolworths spend
Assumptions: $200/week = $10,400/year at Woolworths. Values shown as a range: grocery-redemption value first, frequent-flyer transfer value second where relevant.
| Card | Annual fee | Points earned (Woolworths only) | Est. value | Net after fee (Woolworths spend only) |
|---|---|---|---|---|
| Amex Platinum Edge | $195 | 31,200 MR pts | $156–$312 | −$39 to +$117 |
| ANZ Rewards Black | $375 | 20,800 ANZ pts | $77–$135 | −$240 to −$298 |
| Westpac Altitude Black | $295 | 13,000 Altitude pts | $60–$90 | −$205 to −$235 |
My take on this table – and it’s not the take you’ll read elsewhere: judged on Woolworths spend alone, no card with an annual fee pays for itself. Not one. Comparison sites that show these cards turning a profit on grocery spend are valuing points at fantasy rates.
The honest framing: these cards make sense only on your total household spend. The ANZ Black at $4,000/month total spend earns ~96,000 points a year – worth $355 in grocery conversion or $480+ transferred to Velocity – and now the fee maths work. The Amex Platinum Edge gets there faster because groceries and petrol both earn 3x. If your card spend is concentrated almost entirely at the supermarket and you don’t want a fee, the right answer is no rewards card at all: scan your free Everyday Rewards card and keep the $195–$375 in your pocket.
Stacking: how to earn even more on the same shop
The biggest mistake Woolworths shoppers make isn’t picking the wrong card – it’s not stacking the earnings they’re already entitled to. The full stack:
- Scan your Everyday Rewards card at checkout → earn Everyday Rewards points
- Pay with a rewards credit card → earn credit card points on the same transaction
- For online orders, click through a cashback platform (ShopBack, TopCashback, or Aura) → earn cashback on top
- Activate weekly bonus offers in the Everyday Rewards app → multiply earn on targeted products
Layers 1 and 2 are completely independent – the card doesn’t reduce your Everyday Rewards earn, and the loyalty card doesn’t reduce your card earn. They stack cleanly.
Layer 4 is the most under-used. The Everyday Rewards app regularly offers “10x points on this brand this week” – these can be worth more than your base earn rate over the course of a normal shop. Activate before you go.
Practical setup: put your Everyday Rewards card as the default in the Woolworths app. Scan it automatically at self-checkout, then tap your credit card. Takes zero extra time and you’ve stacked layers 1 and 2 every shop.
Get a Woolworths-focused card if…
- You spend $2,500+/month across all categories, not just the supermarket – that’s where the fee maths start working
- You can pay your card balance in full each month
- You’re comfortable using the Everyday Rewards app to activate bonus offers (real value sits there)
- You’re not chasing long-haul business class redemptions – that’s a different category of card
Don’t get a fee-paying card for Woolworths if…
- You carry a balance – interest rates of 18–22% p.a. eat every point you earn many times over
- You shop at Coles, not Woolworths – you want a Flybuys-aligned card instead
- Your card spend is under $1,500/month total – scan the free Everyday Rewards card, pay with a no-fee card, and skip the annual fee entirely
- You want to maximise frequent flyer points specifically – see the non-traveller hub for the trade-offs, or the Qantas card reviews
The one question that decides it
How much do I spend each month, total – not just at Woolworths?
- Under $1,500/month total → no annual-fee card justifies itself. Scan Everyday Rewards free, pay with a no-fee card.
- $1,500–$2,500/month total → Amex Platinum Edge, especially in a first-year-free offer – groceries plus petrol at 3x is the fastest route to covering a fee.
- $2,500+/month total → ANZ Rewards Black if you want a Visa with Everyday Rewards conversion; Amex Platinum Edge if your retailers take Amex.
That’s the real decision tree. Almost everything else is detail.
FAQ
What credit card works with Everyday Rewards?
ANZ Rewards cards (via the October 2025 partnership – 2,700 ANZ points convert to 2,000 Everyday Rewards points) and Westpac Altitude cards, including St George, Bank of Melbourne, and BankSA. Woolworths’ own Everyday Platinum card is closed to new applications, so conversion from a bank rewards program is now the only credit card path into Everyday Rewards.
Is the Woolworths Everyday Platinum worth it?
The question is moot for new applicants – the card is closed to new applications. If you already hold one, the 2 points per $1 at Woolworths against a $49 fee remains decent value for a dedicated supermarket card; there’s no need to rush to cancel. If you’re shopping for a new card, see the three options above.
Does Amex work at Woolworths?
Yes – Woolworths supermarkets accept American Express. The Amex Platinum Edge earns 3 points per $1 at supermarkets including Woolworths. Smaller and independent retailers are where Amex acceptance gets patchy, not the major supermarkets.
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 (earning Membership Rewards) is usually better than either store-aligned card – 3 points per $1 applies at both supermarkets. Or read Everyday Rewards vs Flybuys for the loyalty program comparison.
Can I earn Everyday Rewards and credit card points on the same purchase?
Yes – they’re completely independent. Scan your Everyday Rewards card at checkout, then pay with whatever credit card you like. Both earn streams accumulate in full from the same transaction. Most Australians under-use this.
How do ANZ Rewards points convert to Everyday Rewards?
2,700 ANZ Rewards points convert to 2,000 Everyday Rewards points, which equal $10 off at Woolworths – about 0.37 cents per ANZ point. You can convert manually or set up automatic transfers in the ANZ app. It’s decent grocery money, but if you fly even once or twice a year, transferring ANZ points to Velocity usually returns more per point.
← All guides | Best card for petrol → | Everyday Rewards vs Flybuys → | Hub: best rewards card if you don’t fly business class →
This article is general information only. Credit cards are financial products – consider whether each product suits your personal circumstances and read the product disclosure statement before applying. Interest rates, fees, sign-up offers and partnership terms are accurate at time of publishing and subject to change. I earn a commission if you apply via the affiliate links on this page.
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