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Smart Money

Complete Guide to the flybuys Rewards Program

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Pauline Hatch      

Coles Rewards

50,000 Flybuys bonus points (worth $250 Flybuys dollars)

Apply by 30 June 2024 and spend $3,000 on eligible purchases within 3 months from approval. Earn Flybuy points. No foreign fees.

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Here in Australia, the flybuys rewards program is a popular and flexible points program. You can earn points on your Coles supermarket shop (and plenty of other places) and redeem them with a wide range of program partners. While you don’t need to have a credit card to earn flybuys, Coles does offer a selection of flybuys earning cards with offers that can boost everyday points earning. Here’s what you need to know to earn points using the flybuys rewards program.

Editor’s note: All rates, fees and offers correct at the time of publication as of 5th October 2021

  💳   Earning flybuys rewards points with 

  • On the Coles No Annual Fee Mastercard, you will earn 0.5 flybuys points per $1, while paying out no annual fee. Extras include purchase protection and a personal concierge on the platinum card option (provided to applicants who meet certain eligibility requirements).
  • Coles Rewards Credit Card

    The Coles Rewards Mastercard can make your everyday more exciting. The first $3,000 in eligible purchases made with the Coles Rewards Mastercard earns you 2 flybuys points for every $1 spent. Plus, enjoy 50,000 Flybuys bonus points (worth $250 Flybuys dollars) and save with its $0 foreign transaction fee feature on purchases when shopping online or overseas. Apply by 30 June 2024.


Aside from earning points on your credit card, you can earn points when shopping at Coles supermarkets and other stores within the Coles Group, such as Kmart and Target. You can also earn points when spending at flybuys partners. flybuys changes up its bonus points deals and promo offers regularly, so it’s a good idea to keep an eye on your online account.

  🛒   Redeeming your flybuys points

When redeeming points on the flybuys program, you can:

  • Shop the Rewards Store to benefit from free Australia-wide shipping, lots of promos and sales, and Points Plus Pay.
  • Choose from a range of gift cards, where 10,000 points equal $50 in gift card value.
  • Book travel via flybuys Travel.
  • Transfer to the Velocity program at a rate of 2:1, where 1,000 flybuys points equals 500 Velocity Points.

  💰   Getting value for your flybuys points

So, what can you expect in terms of value?

Coles No Annual Fee Mastercard (0.5 points per $1, no annual fee, purchase protection and personal concierge on platinum).

    • On a monthly spend of $1,000, you would earn 500 points each month, or 6,000 points per year, equal to $30 off at checkout, or $30 in gift card value.
    • On a monthly spend of $2,500, you would earn 1,250 points each month, or 15,000 points per year, equal to $75 off at the checkout, or $75 in gift card value.

Coles Rewards Mastercard (2 points per $1 up to $3,000 per statement period, then 1 point per $1, no annual fee in the first year, then $99, personal concierge on platinum, no international transaction fee, bonus points).

    • On a monthly spend of $2,500, you would earn 5,000 points each month, or 60,000 points per year, equal to $300 off at the checkout, or $300 in gift card value. Factoring in the intro bonus on offer, you would enjoy an additional $250 of value in the first year, so $550 overall.
    • On a monthly spend of $5,000, you would earn 8,000 points each month, or 96,000 points per year, equal to $480 off at the checkout, or $400 in gift card value (worth 80,000 points). Factoring in the intro bonus on offer, you would enjoy an additional $250 of value in the first year, so $730 overall.

  ⚖️   The verdict on Coles flybuys credit cards

The value offered on the no annual fee card is limited, but is a low-cost option that might feel safer for those dipping a toe into credit cards. A higher spend on the classic card option could offer a nice return, but bear in mind its points shaping. Its bonus points offer is appealing – but what will really win you points on this program is getting to know where to find promo deals and points boosters. The flybuys rewards program is one of the most versatile points programs on offer with multiple ways to earn during your regular spending.

Photo source: Getty Images
Pauline

Pauline Hatch

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger.

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54 comments (showing the latest 10 Q&As)

Snick

Snick

18 December 2023
I am planning to cancel my Commbank ultimate awards card as my credit score is excellent, spending is high and am focusing more towards frequent flyer territory. My Velocity Platinum card is coming up and I would like a back up card which provides 0% international fees on online and overseas transaction.
Khalida

Khalida

18 September 2023
Hi my flybuys card is lost so can u post me plz new card thans
    Pauline - CreditCard.com.au

    Pauline

    19 September 2023
    Hi Khalida, I’m sorry to hear that. You’re actually on Creditcard.com.au, Australia’s leading credit card comparison site. I suggest contacting Coles directly at 1300 306 397 for your request.
Dave

Dave

22 August 2023
If I shop at Coles and scan my Flybuys card, then use a Coles No Annual Fee Mastercard to purchase my items, do I receive both the Flybuy points from scanning my Flybuys card, and from using the credit card?
    Pauline - CreditCard.com.au

    Pauline

    23 August 2023
    Hi Dave, yep you sure do! It’s a great way to double dip and earn more Flybuys points. Go for it!
sue

sue

8 August 2023
why is my $10 dollar deal not showing up on my card when shopping
    Pauline - CreditCard.com.au

    Pauline

    9 August 2023
    Hi Sue, there could be possible reasons why your Flybuys dollars are not showing up when shopping. One possibility is that you're not making purchases at physical locations of Flybuys partners. Another factor could be that you haven't converted your points into Flybuys dollars yet. You can refer to the official Money Off Shop page to see the list of participating partners and to get more information about this feature.
Cathy

Cathy

13 July 2023
i can earn reward points on any purchases made on the coles mastercard? or earn rewards point only coles group/flybuys partners such as kmart, target, bunning and coles supermarkets?
janice hawkins

janice hawkins

28 June 2023
How many points do you need to accrue to get $30 added to your fly buys card to spend
    Pauline - CreditCard.com.au

    Pauline

    29 June 2023
    Hi Janice, that’s a good question! I looked into this for you and see that 1,000 Flybuys points is equivalent to $5 value. In order to receive $30 worth of points added to your account, you would need to accumulate 6,000 Flybuys points. Hope this helps!
Tia

Tia

19 June 2023
I would like to get my flyby number please
    Pauline - CreditCard.com.au

    Pauline

    20 June 2023
    Hi Tia, there are a couple of ways to get your Flybuys number. You can either go to your Flybuys app, select My Card, or you can sign in to your Flybuys account then Account Details. Or you can reach out to Flybuys directly at 13 11 16.

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