Woolworths gift card thread

[Chicken]

Yes, I understand that but I thought that EFTPOS was only available on a debit card. Are you saying there is an EFTPOS option for credit cards?

Yes. NAB credit card has CRD option linked to my credit card account, earn points and etc, it also has SAV option which is linked to my migrated Citi Plus account. In this case, if I were to get a refund, I could press the SAV button on the EFTPOS terminal.

I think he means the 'naughty' trick of tapping the eftpos card (rather than original payment method) for a refund

You won't be able to do that unless the staff has zero care factor. Staff will usually check the last 4 digit of the card number printed on the receipt, against the last 4 digit printed on your card.

 

[Mr_Orange]

I think he means the 'naughty' trick of tapping the eftpos card (rather than original payment method) for a refund

That's getting harder to do these days with staff requesting to see the actual card number whether it is a physical card or the digital equivalent in Google Wallet. Bunnings, in particular, appear to have really cracked down on this.

That said, I was granted leniency the other day because I had closed my old credit card account and the staff member allowed the refund to a different card.

 

[Happy Dude]

Trying to evaluate the worth of these EFTPOS cards as they may be used at my PO to pay Vic land tax. They're also handy for Aldi and other places that surcharge (leaving aside the above debate). I don't think I get Citi credit card points for paying the Vic land tax online or at the PO and the surcharge is ~$30. Can't use postbillpay (thus Paypal) to pay either.

So maxxing out the offer with $100 cards (ie 5 cards per day for 7 days) would cost ~$243 with an outlay of $3,743, and yield 17,500 QFF points and 7,482 Amex (Explorer) points - per EDR account.

So there's a nett cost of around $210 plus holding costs to get around 20k FF points (ie a tick over 1.05c per point). Not the cheapest points going. Plus there's a fair amount of time/effort required.

Not having QF status, I tend to use QFF points for Dom Y or Int partners which can provide worthwhile value imo.

There's an option to pay such a bill via sniip et al but even with my current Amex offer, for a part payment, it'd be $26 for $100 statement credit and 2532 VFF. Worth doing due to the Amex offer which sadly is "worse" than others and such offers are none to regular.

I think it'll be a pass this time due to the effort involved and I don't have any trips planned where I could use the points (which brings the relatively high holding costs into focus).

Edit: to correct some math and add sniip comment.

 

[exceladdict]

Yes, I understand that but I thought that EFTPOS was only available on a debit card. Are you saying there is an EFTPOS option for credit cards?

I think he means the 'naughty' trick of tapping the eftpos card (rather than original payment method) for a refund

Yes. NAB credit card has CRD option linked to my credit card account, earn points and etc, it also has SAV option which is linked to my migrated Citi Plus account. In this case, if I were to get a refund, I could press the SAV button on the EFTPOS terminal.

You won't be able to do that unless the staff has zero care factor. Staff will usually check the last 4 digit of the card number printed on the receipt, against the last 4 digit printed on your card.

That's getting harder to do these days with staff requesting to see the actual card number whether it is a physical card or the digital equivalent in Google Wallet. Bunnings, in particular, appear to have really cracked down on this.

That said, I was granted leniency the other day because I had closed my old credit card account and the staff member allowed the refund to a different card.

I genuinely did have a card compromised recently so have had to use the replacement card for a couple of refunds.

But yes, I just use the same card and hit savings, which is linked to a transaction account, whereas credit button and NFC is linked to the credit transaction.

A PITA when I choose not to bring my wallet, as Google pay doesn't give you the choice, but not much that can be done in that circumstance if the matching card is requested.

 

[lovestotravel]

Seems the EFTPOS cards are able to be used to pay some credit card bills at the post office, may explain why the $500 cards are no longer around for these offers...

 

[andye]

Trying to evaluate the worth of these EFTPOS cards as they may be used at my PO to pay Vic land tax. They're also handy for Aldi and other places that surcharge (leaving aside the above debate). I don't think I get Citi credit card points for paying the Vic land tax online or at the PO and the surcharge is ~$30. Can't use postbillpay (thus Paypal) to pay either.

So maxxing out the offer with $100 cards (ie 5 cards per day for 7 days) would cost ~$243 with an outlay of $3,743, and yield 17,500 QFF points and 7,482 Amex (Explorer) points - per EDR account.

So there's a nett cost of around $210 plus holding costs to get around 20k FF points (ie a tick over 15c per point). Not the cheapest points going. Plus there's a fair amount of time/effort required.

Not having QF status, I tend to use QFF points for Dom Y or Int partners which can provide worthwhile value imo.

I think it'll be a pass this time due to the effort involved and I don't have any trips planned where I could use the points (which brings the relatively high holding costs into focus).

The Visas have been coming round reasonably often and are much easier to liquidate as can be used online. The eftpos need to be at the company office/store or the Post Office

 

[andye]

Yes. NAB credit card has CRD option linked to my credit card account, earn points and etc, it also has SAV option which is linked to my migrated Citi Plus account. In this case, if I were to get a refund, I could press the SAV button on the EFTPOS terminal.



You won't be able to do that unless the staff has zero care factor. Staff will usually check the last 4 digit of the card number printed on the receipt, against the last 4 digit printed on your card.

Very interesting with the NAB card

As an aside, wonder what happens if you part pay with points-earning gift cards and part with debit card (or low-earn credit card). The numbers would still match and might dodge the store credit refund problem

 

[Chicken]

Very interesting with the NAB card

Don't think it's that interesting. My Suncorp Clear Options Platinum Credit Card also had CRD linked to the credit card account run by Citi, but the SAV linked to Everyday Options Account. I think Westpac and CBA are also able to do this.

 

[VantageXL]

Simples, the interchange fee on Eftpos is way lower than with credit cards, so revenue from use of cards is significantly less.

I don't think that's it. If it was we'd likely see higher fees across the board but it's just the $100 TCN Eftpos denomination and specifically only at Woolworths; at Coles, Reddy Express and 7-Eleven the fee for same gift card is just $5.95.

Also, if you look at the digital version of the TCN Eftpos it has a considerably cheaper fee ($2.15 when loading $20-500) compared to digital Visa or Mastercard gift cards. I can easily see breakage being higher on Eftpos gift cards because a lot of people aren't aware that they don't work online.

 

[markis10]

Is it just me, or have things been a little quiet on the Apple front of late?

They always stop running them for a couple of months around the time the new iPhones are released. Don't worry, they'll be back very soon.

Next week at Coles they are back with 20x flybuys

 

[JessicaTam]

Next week at Coles they are back with 20x flybuys

Of course the week after I bought a new phone. *sigh*

 

[VantageXL]

From Wed 5 Nov 2025:

 

[MooTime]

From Wed 5 Nov 2025:

View attachment 479392

Interesting mix of cards.
I don't believe I've seen this combination previously.

 

[VantageXL]

No photo yet but 20x Everyday Rewards points on Apple gift cards at Woolworths from 12 Nov to 18 Nov 2025. There's the Coles offer starting tomorrow but if you'd prefer to earn Qantas points then you might like to wait a week.

 

[ramamba]

So correct me if I’m wrong, since Apple is pushing those through both majors, then theres Buckley’s chance of Black Friday discounting on the 17 series.

 

[VantageXL]

Until 2 Dec at Ampol Foodary:


Credit to OzBargain user Planes are cool for finding this offer.

The terms and conditions state that it is "valid on Apple Gift Cards only up to a maximum value of $500":

When
Offer runs from 00:01 05/11/25 to 23:59 02/12/25. The offer period is based on the local time of the store you shop at.

Where
Offer is available in-store only at participating Ampol Foodary locations. Offer is not available in Tasmania. Offer cannot be used in conjunction with any other offer unless otherwise specified. Offer can’t be used if paying with an AmpolCard.

Who
This offer is only available to registered Everyday Rewards members who purchase Qualifying Gift Cards in-store at participating Ampol Foodary locations.

How it works
You do not need to boost this offer. To collect 20x points on Apple Gift Cards, purchase any Qualifying Gift Cards in-store and scan your Everyday Rewards Card before completing your transaction.

Qualifying Gift Cards
Offer is valid on Apple Gift Cards only up to a maximum value of $500.
Everyday Rewards bonus points breakdown as follows:
$20 Apple Gift Card = 400 Everyday Rewards points,
$30 Apple Gift Card = 600 Everyday Rewards points,
$50 Apple Gift Card = 1000 Everyday Rewards points,
$100 Apple Gift Card = 2000 Everyday Rewards points,
Variable $20-$500 Apple Gift Card $1 spend = 20x Everyday Rewards points.
Everyday Rewards points can take up to 14 business days to be loaded onto your Everyday Rewards Card from date of purchase.

Exclusions
You will not collect any standard points on the amount you spend on Qualifying Gift Cards, but only the relevant number of bonus points for which you qualify under this offer.

For full Apple Gift Card terms and conditions, please visit Legal - iTunes Gift Cards and Codes - Apple.

In addition to the above terms and conditions, by participating in the Everyday Rewards program you agree to the Everyday Rewards Terms and Conditions. You will not collect points if collecting those points would cause you to exceed $4,000 Everyday Rewards dollars as set out in those Terms and Conditions.