Woolworths Black Credit Card South Africa: Free Online Delivery, Unlimited WRewards and Travel Cover

Why choose the Woolworths Black Credit Card in South Africa

The Woolworths Black Credit Card is a top pick for shoppers who want real value from their everyday spending. With unlimited free online delivery when you save your card to your Woolies profile, plus automatic WRewards membership and quarterly vouchers, this card turns regular groceries and lifestyle buys into savings in rand.

Cardholders also enjoy practical perks like Visa purchase protection, free additional cards for family members, and acceptance at millions of merchants worldwide. For South Africans who want one card that works at home and abroad, the Woolworths Black Card blends rewards with travel cover and local convenience.

Rewards, delivery and travel cover that stretch your rand

Earn WRewards on Woolies purchases — typically giving you percentage back as quarterly vouchers — and score up to 3% back at Woolworths stores. The free online delivery benefit saves you both time and delivery costs, making the card especially handy for busy households across Gauteng, Cape Town and Durban.

Travel cover is another strong suit: when you buy your flights with the card you can access complimentary travel insurance and medical/legal assistance abroad. That extra layer of protection turns the Woolworths Black Credit Card into a sensible travel companion for local holidays and regional trips into SADC countries.

Fees, interest and budgeting features

Understanding the fees helps you use the Woolworths Black Credit Card wisely. Typical fees include a service fee of around R69 and an initiation fee near R100, with many extras like card replacement and courier often free. Your exact interest rate appears on your monthly statement, so check it before you overspend.

The card also offers budget facilities that let you spread larger purchases (from R300 and up) over 6 to 60 months, which is ideal for big-ticket buys. Monthly e-statements and online banking make it simple to track transactions and avoid unpaid debit order penalties.

How to apply and who qualifies

Applying for the Woolworths Black Credit Card is straightforward on the Woolworths website or in-store; have your RSA ID, proof of address and recent payslips or bank statements ready. Eligibility typically requires you to be over 18 and meet a minimum income threshold (for example around R41,666 per month), so ensure you meet the criteria before applying.

Once approved, your card is usually sent to your workplace or home, and you can add additional cardholders at no extra cost. Use the card regularly for Woolies shopping, fuel and travel purchases to maximise WRewards, free online delivery and the travel protections tied to the account.