Your Guide to the Woolworths Black Credit Card Application Process

Earn rewards and enjoy exclusive benefits

The Woolworths Black Credit Card goes beyond regular credit cards by offering a rewarding shopping experience. 

Earn 3% back in quarterly vouchers on all your purchases at Woolworths, including groceries, clothes, and homeware. 

But that’s not all! You’ll also get 1% back on your spending everywhere else, including fuel stations.

There are some fees to consider, including a one-time initiation fee and a monthly service fee. 

However, as a cardholder, you’ll be automatically enrolled in the WRewards program, unlocking exclusive discounts and promotions on your favorite Woolworths products.

This card offers free standard delivery on online and app purchases from Woolworths, two complimentary hot beverages every month at select cafes, and a voucher for every issue of Taste magazine.

You can even add up to 8 additional cards to your account at no extra cost. 

The card also provides optional Balance Protection, and built-in Visa Purchase Protection and Visa Extended Warranty benefits for added peace of mind.

If you’re under 75 years old, you can activate travel insurance included with the card by purchasing an international airline ticket using your card.

Eligibility criteria

In order to be eligible for the Woolworths Black Credit Card, you must meet the following criteria:

• Be 18 years of age or older
• Have a valid South African ID number
• Earn a minimum monthly income of R41,666 or more

When applying for the card, you will be required to supply a copy of your valid RSA ID. 

They may also ask for additional documents to verify your income and residential address. These documents may include:

• A copy of your latest payslip or bank statement
• A copy of a utility bill or an original bank statement (not older than 3 months) as proof of residential address (excluding Absa or Woolworths statements)

Application Process

Applying for the Woolworths Black Credit Card online is a straightforward process. Here’s a breakdown of the steps involved.

Begin by visiting the Woolworths website and clicking on “Apply now”. There, you’ll be greeted by Nandi, the digital application assistant. 

Enter your 13-digit ID number to check your eligibility and see if you have any pending applications.

Assuming you qualify and have no unfinished applications, you’ll proceed to select the Woolworths Black Credit Card as your desired product.

Carefully review the terms and conditions associated with the card. This includes interest rates, fees, and rewards programs. Once you agree to the terms, you’ll provide your delivery information for the Woolworths Black Credit Card.

Set your preferred method for receiving updates and statements from Woolworths.

After, you may be required to upload documents like payslips or bank statements to verify your income. Woolworths might conduct additional checks to confirm your identity and financial information.

Once all the necessary information is submitted and verified, Woolworths will process your application and inform you of the application decision via email or phone. 

Hidden gems

While the Woolworths Black Credit Card shines with its rewards program, it also offers some hidden gems.

It provides a Budget Facility. This allows you to split larger purchases (from R300) into manageable installments over 6 to 60 months.

Also, travel assistance is offered. You can access information on visa requirements and vaccinations, and legal and interpreter referrals while traveling.

Free medical advice, referrals to medical providers, and even monitoring of medical conditions during and after hospitalization.

For an additional charge, the card can assist with essential medicine or equipment delivery, dispatch of a physician in case of emergency, hospital admission deposit guarantees, and even emergency medical evacuation arrangements.

Lastly, the card extends medical and legal assistance to your immediate family when traveling together outside your home country, providing an extra layer of security for up to 90 days.

Looking for more shopping flexibility?

Consider the Nedbank Gold Credit Card. It earns cashback on various purchases, so you can maximize your rewards wherever you shop.

Written by

Ellen Queiroz (Redatora)