Woolworths Credit Card 

The Woolworths credit card became very popular for a few reasons. With the credit card you can purchase clothes from the store as well as food from the food shop. 

I however do not suggest you buy food and especially clothing on credit.  This brought me to my second point. If you use the credit card correctly (by not using it and increase your debt),  you can earn up to 2% when you buy products with the credit card.

With an monthly income of more than R 2,000 you can apply for a silver card which will earn you 1% on all products bought in store and 0.5% on all products bought outside of Woolworths. The Gold card will earn you 2% in store products and 0.75% on all other purchases. Your monthly income need to be more than R 10,000 per month to qualify for a gold card.

The ultimate card is the Black Woolworths credit card with all these benefits:

- You will earn 3% on all in store products.

- You will earn 1% on all other purchases.

- 2 Free coffees or teas at any Woolworths restaurant per month.

- Free delivery with their online shop.

To qualify you need an income of more than R 41,666 per month,  be older than 18 years,  and have a valid ID number.  When you apply make sure you have the following information ready:

- Your ID

- Proof of address,  not older than three months.