Countdown Onecard Visa Credit Card

Gold Award

The Countdown Onecard Visa Credit Card allows you to earn 2x the amount of Onecard points you would earn with the standard Onecard, while at the same time earning AA Smartfuel discounts when you shop at Countdown with your Onecard Visa card. Furthermore, you earn Onecard points if you use your Onecard Visa wherever Visa is accepted. The Countdown Onecard Credit Card charges an annual fee of $65 which is waived for the first year and a purchase rate of 19.99%.

We have done the maths; if you spend $1,000 at Countdown using your Onecard Credit Card for your grocery shopping each month, you could earn $1,080 a year in reward vouchers. You can earn even more points if you use your Onecard Visa Credit Card for other purchases such as paying for your utility bills, petrol, car servicing, clothes etc.

We were pleasantly surprised how much you could earn with the Countdown Onecard Visa Credit Card. You can easily calculate how much you can earn each month with the Onecard Visa using the Onecard Visa Rewards calculator. We think the Countdown Onecard Visa Credit Card is a great card especially for families who tend to shop at Countdown and are disciplined enough to pay off the bill at the end of each month.

Notice: The Countdown Onecard Credit Card has been stopped and no applications are being accepted. Wooworths does not have an alternative to this card but you can compare credit card rewards on our website to find the best rewards credit card for you.

Key Features

Purchase Rate: 19.99%
Cash Advance Rate: 22.99%
Balance Transfer: Not offered
Annual Fee: $65 p.a. Waived for the first year
Interest Free Days: 55 days
Minimum Repayment:
Card Reward Details: Earn 2x Onecard points than a standard Onecard at Countdown, plus earn Onecard points wherever Visa is accepted
Credit Limit:
Other Fees: Late payment fee: $15

IMPORTANT NOTE: please review the credit card details on the provider's website again before applying.

Countdown Onecard Visa Credit Card Review

Pros and Cons

We've compiled below the pros and cons of the Countdown Onecard Visa Credit Card to help you decide.

Pros

Great reward points earning
Waived annual fee for the first year
Earn 2x Onecard points than a standard Onecard at Countdown

Cons

Annual Fee

What We Like About the Countdown Onecard Visa Credit Card

Reward Points and Cashback

One of the standout features of the Countdown Onecard Visa Credit Card is its reward points system. You earn points for every dollar spent, which can be redeemed for discounts on groceries at Countdown stores. Additionally, the card offers cashback options, allowing you to save even more on your everyday purchases.

Low Foreign Transaction Fees

For those who travel frequently, the Countdown Onecard Visa Credit Card offers low foreign transaction fees. This means you can use your card overseas without worrying about excessive charges, making it a cost-effective option for international travel.

What is Not So Great About the Countdown Onecard Visa Credit Card

Annual Fees

One downside of the Countdown Onecard Visa Credit Card is the annual fee. While the rewards and benefits can be appealing, the yearly cost might outweigh these perks for some users. It's essential to consider whether the rewards you earn will offset this fee.

Interest Rates

Another drawback is the high interest rates. If you cannot pay off your balance in full each month, the interest charges can quickly add up, negating any rewards or cashback you might earn. This card is best suited for those who can manage their spending and pay off their balance regularly.

Is the Countdown Onecard Visa Credit Card Right for Me?

Deciding whether the Countdown Onecard Visa Credit Card suits your needs involves considering several factors. Here are some key points to help you make an informed decision.

Spending Habits

Evaluate your spending habits. If you frequently shop at Countdown, the reward points and cashback offers can be quite beneficial. However, if your spending is more varied, you might not maximise the card's benefits.

Alternative Options

Explore other credit card options. Compare the Countdown Onecard Visa with other travel credit cards to see which one offers the best benefits for your lifestyle. Look at fee structures, reward programmes, and customer reviews to make a well-rounded decision.

In general, we also recommend comparing all credit cards on our website to help you make an informed decision.

Tips for Maximising Benefits with the Countdown Onecard Visa Credit Card

Using Reward Points Effectively

To get the most out of your Countdown Onecard Visa Credit Card, make sure you use your reward points wisely. Focus on redeeming points for items or services that offer the best value. For instance, using points for groceries can be more beneficial than other options. Keep an eye on special promotions that offer extra points or discounts.

Avoiding Interest Charges

Interest charges can quickly add up, reducing the benefits of your credit card. To avoid these charges, always pay your balance in full each month. Setting up automatic payments can help ensure you never miss a due date. If you can't pay the full balance, try to pay more than the minimum amount to reduce interest costs.

Frequently Asked Questions

What are the age and residency requirements for the Countdown Onecard Visa Credit Card?

To apply for the Countdown Onecard Visa Credit Card, you must be at least 18 years old and a resident of New Zealand.

What kind of income and credit score do I need to qualify?

You need a stable income and a good credit score to qualify. Specific numbers aren't provided, but a steady job and a history of paying bills on time will help.

What documents do I need when applying?

You'll need to provide proof of identity, like a passport or driver's licence, and proof of income, such as payslips or bank statements.

What rewards can I earn with this card?

You can earn reward points for every dollar spent, which you can redeem for cashback, groceries, and other perks.

Are there any fees for using the card overseas?

The Countdown Onecard Visa Credit Card has low foreign transaction fees, making it a good option for travel.

Eligibility Requirements:

Your eligibility for this card would depend on a few criteria listed below. When you apply for a Countdown credit card, Countdown would ask you a few questions about the following criterias to determine your eligibility.

Income
Expenses
Debts
Assets
Savings
Investments

Documents:

In general the following documents are usually required for credit card applications.

Proof of Income

One of the following:

your most recent payslip or salary notice
copies of bank statements that show your pay or salary deposits
a letter from your employer confirming your income
an Inland Revenue Department (IRD) “summary of earnings” notice.

If you’re self-employed, you must supply:

signed financial statements for the past two years
a signed personal Statement of Financial Position
your personal tax return.

Proof of Identity:

A copy of one or two items from List 1. If you provide only one item from List 1, you must also provide one item from List 2.

List 1:

Current passport
New Zealand drivers licence
18+ card
Photo Credit Card

List 2:

Most recent bank statement
Debit card
Credit card
Community services card
Club or society card.

Are you interested in an interest free credit card? Compare ALL interest free credit cards on our Interest free credit cards page.

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What is the best credit card in New Zealand?

We've been asked this question a lot so we have compiled our pick of the best credit card in NZ but keep in mind that the best credit card for you depends on your personal circumstance and needs. To find the best credit card for you, we recommend that you compare all credit cards in NZ on our website or narrow down your search by popular credit card types as shown below. Use the top menu of the page to select more credit card types.