Woolworths Everyday Money Credit Card

The Everyday Money Credit Card from Woolworths lets you earn valuable reward points everywhere you shop. And every 4 months, provided you have enough points, you’ll receive a shopping card, to redeem at a great range of participating stores. So, you can reward yourself with everything from groceries, to petrol to electronics.

The Woolworths everyday credit card is great for people that shop at woolworths or related partners where bonus points are on offer. Be aware of the high interest rate of nearly 20% on purchases. Any rewards would be quickly eroded if you do not pay off your balance in full every month.

	Key Features for the Woolworths Everyday Money MasterCard
	0% p.a. on purchases for the first 9 months 5.99% p.a. for 6 months on balance transfers Purchase rate of 19.84% p.a. and Cash advance rate of 21.34% p.a. Up to 55 interest free days on purchases Annual fee of $49 and one additional cardholder for free Earn up to 3 reward points per dollar spent on Woolworths Select Products at Woolworths Earn up to 2 reward points per dollar spent at selected Woolworths Partners Earn up to 1 reward points per dollar spent on all other purchases

	Credit Card Application Criteria
	You must be at least 18 years of age You must have a Good Credit History You must be a Permanent Resident or Australian Citizen You must earn a Minimum Income of $30,000 p.a.

Terms and Conditions
The Woolworths Everyday Money credit card is issued by HSBC Bank Australia Limited. ABN 48 006 434 162 ("HSBC") Australian Credit Licence 232595. HSBC lending criteria applies. Fees, Charges and Interest Rates apply and are current as at 1 March 2012 and are subject to change. Terms and conditions apply and are available at everydaymoney.com.au. An annual fee which is currently $49 applies for the Woolworths Everyday Money credit card. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. PayPass is the trademark of MasterCard International Incorporated.
1. This offer is only available to new cardholders who apply between 6 March and 31 May 2012. After the promotional period, any purchase/promotional balances outstanding will accrue interest at the Purchase Interest Rate current at the time (currently 19.84% p.a.). Offer cannot be used in conjunction with any other offer. Account must be in good order and not in arrears at time of fulfilling offer. Eligible purchases exclude business expenses, interest free promotions, balance transfers and cash transactions. 2. Earning of rewards points from credit card transactions is subject to the Woolworths Everyday Money credit card Conditions of Use. No points are earned on business expenses, interest free promotions, balance transfers and cash advances. Earn 3 points per $1 spent on Woolworths Select products purchased at Woolworths Supermarkets, excluding online purchases. Earn 3 points per $1 spent on Woolworths Mobile products purchased in-store at Woolworths Supermarkets, BIG W, Woolworths Liquor and BWS.
3. Earn 2 points per $1 spent on other products purchased at Woolworths Supermarkets, BIG W, CALTEX WOOLWORTHS co-branded fuel outlets, epump, Woolworths, Dan Murphy's, BWS, Thomas Dux, Cellarmasters, Masters and participating Dick Smith stores. Some exclusions apply.
4. Earn 1 point per $1 spent on all other purchases (excludes interest free promotions, balance transfers and cash advances).
5. Every 4 months (or annually if nominated), points are automatically converted to an Everyday Money Shopping Card redeemable at participating Woolworths group stores. Participating stores may change from time to time. The Shopping Card expires 90 days after date of issue and is currently not accepted at DVD vending machines, mobile EFTPOS terminals and some designated Dick Smith stores and CALTEX WOOLWORTHS co-branded fuel outlets. For a full list of participating stores where you can use your Shopping Card, details of the points you'll need to obtain one, and to find out its value, visit everydaymoney.com.au or call 1300 10 1234. Minimum of 4,000 points is required to receive a $20 Shopping Card.
6. The interest free days apply to purchases appearing on a statement only if the closing balance of the statement and the closing balance of the previous statement are paid by the statement due dates. The closing balance includes any cash advance or balance transfer amounts. To gain the benefit of the 55 days you must pay the total outstanding balance in full (including any balance transfer or other promotion amounts). There is no interest free period for cash advances or balance transfers.