See How to Apply for the Woolworths Black Credit Card

What do I need to know before applying for a Woolworths Black Credit Card?

Looking for a black credit card with higher spending and premium benefits? The Woolworths Black Credit Card offers all this with 1% cashback on all purchases, far beyond the Woolies network.

Woolworths is a South African retail chain offering luxury products in hundreds of stores across the country and also online.

Woolies also has its own food product stores, including cafés and to-go units. In addition to all this, Woolworths offers financial services, providing gold and black credit cards.

The Woolworths Black Credit Card features the Visa logo with a widely expandable credit limit, an initiation fee of R175 and a monthly fee of R69.

In terms of rewards, the card offers unlimited 1% cashback for all purchases made anywhere. This is because the card is not only valid for the Woolies network but also as a regular credit card for use in any situation.

In the Woolworths network, the cashback is even higher: 3% on your purchases, with automatic enrollment in the brand’s rewards system.

Additionally, you will enjoy up to two free hot beverages per month at Woolies Café, Woolie to Go, or NOW NOW, and a free Taste magazine for every issue.

The card also offers free online delivery when you shop in the network and pay with the Black card.

Therefore, if you want the Woolies Black, keep reading.

Who can Apply?

Woolies has similar rules for both cards, following the basics of the South African market. You need to be at least 18 years old and have a valid RSA ID number.

For foreigners, a passport with a work visa is required. The minimum income to access the card is R41,666 per month, as it is a premium black card.

For the application, you will need to submit the following documents:

• Copy of payslips or bank statements
• Proof of residence less than 3 months old

All requests are subject to bank availability.

Anyway, if you don’t have access to the black card, you can still apply for the gold card and enjoy Woolies’ benefits. 

How do I Apply for the Woolworths Black Credit Card?

To initiate your application, click on the ‘Apply Now’ button. The first step involves entering your ID number, which commences the application process.

There are a total of nine steps involved in applying for the Woolies card.

Throughout these stages, you will be required to furnish additional information such as your full name, complete address (including postal code), phone number, email address, and details regarding your income and expenditures.

At any point during the application, you may be requested to submit supporting documentation to the bank.

Once all information is provided and you have selected your preferred credit card, you will need to authorize Woolworths’ checks, which include a comprehensive credit assessment to determine your credit limit.

For any inquiries or assistance, you can directly contact Woolworths.

Overall, Woolworths aims for a relatively swift review and response process, with clear approval conditions.

More Details

The Woolies card offers up to eight additional cards at no cost. It also provides balance protection in case of death or total loss of income.

Upon receiving the card, you can activate travel insurance. In terms of Visa benefits, you have purchase protection and an extended warranty for qualified products purchased with the card. 

You can manage the card completely through the app, with 24-hour lost card protection and easy loan rate facilities through Woolies.

This way, the card is very useful for premium management anywhere in the world, far beyond Woolies.

Want to learn about another option?

If you’re looking for a card with more favorable rates suited for everyday spending, you might want to consider the Standard Bank Blue Credit Card.

In terms of benefits, it offers a limit of up to R250,000, personalized rates, the UCounts system, and Mastercard services. You can find out how to apply.

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