Countdown Credit Card – Review & Apply for Countdown Credit Card

Countdown is not your traditional credit card provider, but they do offer the Onecard Visa credit card which is a great Rewards credit card worth considering. The Onecard Visa allows you to collect twice as much Onecard points than you would with a standard Onecard. Click through to find out more about the Onecard Visa.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Receive 300 bonus Airpoints Dollars™ when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.

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*Terms and conditions apply

Updated: 22 Nov, 2024

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Countdown Credit Cards

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
Countdown Onecard Visa Credit Card Gold Award	This card has been suspended and no applications are being accepted. Every $1,000 you spend at Countdown earns you $90. Earn 2x Onecard points and AA Smartfuel discounts at Countdown with the Onecard Visa card. Additionally, earn Onecard points wherever Visa is accepted.	19.99%	N/A	22.99%	$65.00	55 days More Info » Apply Now »

^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Receive 300 bonus Airpoints Dollars™ when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.

More Info »

*Terms and conditions apply

Understanding Countdown Credit Cards

What is a Countdown Credit Card?

A Countdown Credit Card is a financial product offered by Countdown (now Woolworths), a prominent supermarket chain in New Zealand. These credit cards are designed to provide customers with various benefits, including earning rewards points on purchases made at Countdown stores and other participating retailers.

Key Features of Countdown Credit Cards

• Rewards Program: Earn Onecard points for every dollar spent, which can be redeemed for discounts and special offers.
• Interest-Free Period: Enjoy up to a certain number of days interest-free on purchases if the balance is paid in full by the due date.
• Annual Fees: Some Countdown credit cards come with an annual fee, which may be waived for the first year.
• Purchase Rates: Competitive interest rates on purchases.
• Balance Transfer Options: Transfer balances from other credit cards to a Countdown credit card, often at a lower interest rate.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Receive 300 bonus Airpoints Dollars™ when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.

More Info »

*Terms and conditions apply

Benefits of Using Countdown Credit Cards

1. Convenience: Use your Countdown credit card for everyday purchases and earn rewards points.
2. Savings: Redeem Onecard points for discounts on groceries and other items at Countdown stores.
3. Exclusive Offers: Access special promotions and discounts available only to Countdown credit cardholders.
4. Financial Flexibility: Manage your expenses with features like balance transfers and interest-free periods.

Eligibility Criteria for Countdown Credit Cards

Income Requirements

Your eligibility for a Countdown credit card will depend on several financial criteria. When you apply, Countdown will ask you questions about your income, expenses, debts, assets, savings, and investments. It is essential to have a stable income to meet the minimum income requirements set by Countdown.

Necessary Documentation

To apply for a Countdown credit card, you will need to provide specific documents. Generally, the following documents are required:

• Proof of identity (e.g., passport, driver’s licence)
• Proof of address (e.g., utility bill, bank statement)
• Proof of income (e.g., payslips, tax returns)

Ensure that all documents are up-to-date and accurately reflect your current financial situation.

Credit Score Considerations

Your credit score is a crucial factor in determining your eligibility for a Countdown credit card. A good credit score increases your chances of approval and may also influence the terms and conditions of your card. It is advisable to check your credit score before applying and take steps to improve it if necessary. Common ways to improve your credit score include paying bills on time, reducing outstanding debts, and avoiding multiple credit applications in a short period.

Countdown Onecard Visa Credit Card

Earning Onecard Points

The Countdown Onecard Visa Credit Card allows you to earn Onecard points on everyday purchases. When you shop at Countdown, your points are doubled, making it an excellent choice for frequent Countdown shoppers. This card is designed to help you maximise your rewards with every purchase.

Interest Rates and Fees

The Countdown Onecard Visa Credit Card comes with a purchase interest rate of 19.99% per annum. The annual fee is waived for the first year, after which it is $65 per annum. Additionally, cardholders can enjoy up to 55 days of interest-free purchases, provided the balance is paid in full each month.

How to Apply

Currently, applications for the Countdown Onecard Visa Credit Card have been suspended. However, for existing cardholders, the card continues to offer valuable benefits. If you are looking for alternatives, consider other credit cards that offer similar rewards and benefits.

Maximising Rewards with Countdown Credit Cards

Strategies for Earning More Points

To maximise your rewards with Countdown Credit Cards, consider the following strategies:

1. Use Your Card for Everyday Purchases: The more you use your Countdown Credit Card for daily expenses, the more Onecard points you will accumulate.
2. Take Advantage of Bonus Point Offers: Keep an eye out for special promotions that offer bonus points on certain products or during specific periods.
3. Combine with Other Countdown Offers: Use your Countdown Credit Card in conjunction with other Countdown promotions to maximise your points.

Redeeming Onecard Points

Redeeming your Onecard points is straightforward and can be done directly at Countdown stores. Here are some tips to get the most out of your points:

• Plan Your Redemption: Save your points for larger purchases to make a more significant impact on your grocery bill.
• Check for Special Redemption Offers: Occasionally, Countdown offers special deals where your points can be worth more.
• Use Points for Essentials: Redeem points for essential items to reduce your overall grocery expenses.

Exclusive Offers and Discounts

Countdown Credit Card holders have access to exclusive offers and discounts. These can include:

• Member-Only Discounts: Special discounts on selected products available only to cardholders.
• Early Access to Sales: Get early access to Countdown sales and promotions.
• Exclusive Events: Invitations to exclusive events and promotions for Countdown Credit Card holders.

By strategically using your Countdown Credit Card, you can maximise your rewards and enjoy significant savings on your grocery bills.

Comparing Countdown Credit Cards to Other Options

Countdown vs. Traditional Credit Cards

When comparing Countdown credit cards to traditional credit cards, there are several factors to consider:

• Rewards Programme: Countdown credit cards offer a unique rewards programme that allows you to earn Onecard points, which can be redeemed for discounts on groceries and other items at Countdown stores. Traditional credit cards may offer different types of rewards, such as cashback or travel points.
• Annual Fees: Countdown credit cards typically have lower annual fees compared to many traditional credit cards. For instance, the Countdown Onecard Visa credit card has an annual fee of $0 for the first year and $65 thereafter.
• Interest Rates: The purchase rate for the Countdown Onecard Visa credit card is 19.99% p.a., which is competitive but may vary compared to traditional credit cards.
• Eligibility Criteria: Both types of cards have specific eligibility criteria, including income requirements, credit score considerations, and necessary documentation.

Countdown vs. Other Supermarket Credit Cards

When comparing Countdown credit cards to other supermarket credit cards, consider the following points:

• Earning Points: Countdown credit cards allow you to earn twice as many Onecard points compared to a standard Onecard. This can be advantageous if you frequently shop at Countdown.
• Exclusive Offers: Countdown credit cards often come with exclusive offers and discounts that are not available with other supermarket credit cards.
• Fees and Rates: It’s important to compare the annual fees, interest rates, and other charges associated with each card to determine which one offers the best value for your spending habits.

Customer Experiences with Countdown Credit Cards

User Reviews and Ratings

Countdown, as one of New Zealand’s leading supermarket brands, serves over 3 million Kiwis weekly. This extensive customer base provides a wealth of user reviews and ratings for their Countdown credit cards. Generally, users appreciate the convenience and rewards offered by the Countdown Onecard Visa Credit Card. Many customers highlight the ease of earning Onecard points and the seamless integration with their regular shopping habits.

Common Complaints and Praises

While there are numerous positive reviews, some common complaints include the interest rates and fees associated with the card. However, many users praise the customer service provided by Countdown, noting their vast experience in serving New Zealanders. The ability to manage accounts online and set up alerts and notifications are also frequently mentioned as positive aspects.

Customer Service Insights

Countdown’s extensive experience in the retail sector translates into their customer service for credit card holders. With over 18,000 employees and a commitment to serving millions of customers, Countdown has built a reputation for reliable and responsive customer service. Cardholders often commend the support they receive, whether it’s for resolving issues or understanding the benefits of their credit card.

Managing Your Countdown Credit Card Account

Online Account Management

Managing your Countdown Credit Card account online is both convenient and efficient. You can access your account 24/7 through the Countdown website or mobile app. Here are some of the key features available:

• View Account Balance: Check your current balance and available credit.
• Transaction History: Review your recent transactions and past statements.
• Payment Options: Make one-time payments or set up automatic payments to ensure your bills are always paid on time.
• Update Personal Information: Easily update your contact details and other personal information.

Setting Up Alerts and Notifications

Setting up alerts and notifications can help you stay on top of your account activity and avoid any unexpected surprises. You can customise alerts for:

• Payment Due Dates: Receive reminders when your payment is due to avoid late fees.
• Transaction Alerts: Get notified of any large or unusual transactions.
• Balance Alerts: Set alerts for when your balance reaches a certain threshold.
• Promotional Offers: Stay informed about exclusive offers and discounts available to Countdown Credit Card holders.

Tips for Avoiding Fees

Avoiding unnecessary fees can save you money and help you manage your finances more effectively. Here are some tips to keep in mind:

1. Pay On Time: Always pay at least the minimum amount due by the due date to avoid late payment fees.
2. Monitor Your Spending: Keep an eye on your spending to ensure you stay within your credit limit and avoid over-limit fees.
3. Use Interest-Free Periods: Take advantage of any interest-free periods by paying off your balance in full each month.
4. Be Aware of Cash Advances: Avoid using your credit card for cash advances, as these often come with higher interest rates and additional fees.
5. Review Statements Regularly: Regularly review your statements to catch any errors or fraudulent transactions early.

Frequently Asked Questions

What is a Countdown Credit Card?

A Countdown Credit Card is a financial product offered by Countdown, a leading supermarket chain in New Zealand. It allows cardholders to earn rewards points on purchases, which can be redeemed for discounts and special offers at Countdown stores.

What are the key features of the Countdown Onecard Visa Credit Card?

The Countdown Onecard Visa Credit Card offers features such as earning Onecard points on purchases, a competitive interest rate of 19.99% p.a., and an annual fee of $0 for the first year and $65 thereafter. It also provides up to 55 days of interest-free credit on purchases.

How can I apply for a Countdown Credit Card?

You can apply for a Countdown Credit Card online through the Countdown website. You will need to provide personal information, income details, and necessary documentation to complete the application process.

What are the income requirements for a Countdown Credit Card?

The income requirements for a Countdown Credit Card vary, but generally, applicants need to have a stable income that meets the minimum threshold set by Countdown. This ensures that cardholders can manage their credit card payments responsibly.

How do I earn and redeem Onecard points?

You earn Onecard points by using your Countdown Onecard Visa Credit Card for purchases. These points can be redeemed for discounts on groceries and other products at Countdown stores. The more you use your card, the more points you accumulate.

What should I do if I have issues with my Countdown Credit Card?

If you encounter any issues with your Countdown Credit Card, you should contact Countdown’s customer service for assistance. They can help resolve problems related to your account, transactions, or any other concerns you may have.

What is the best credit card in NZ?

The best credit card for you would depend on your personal circumstance and how you intend to use your credit card. We have put together a list of some of the best credit cards in New Zealand to help you find the best credit card in NZ to suit your individual needs. Alternatively, you can narrow down your search by credit card type such as interest free credit card, low rate credit card, balance transfer, credit card reward or air nz credit card

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Receive 300 bonus Airpoints Dollars™ when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.

More Info »

*Terms and conditions apply