Finder makes money from featured partners, but editorial opinions are our own.

Flybuys credit cards

A Flybuys credit card gives you a way to earn more points on your everyday spending, with some offering up to 100,000 bonus Flybuys points on sign-up.

Flybuys is a popular rewards program in Australia that's best known for partnerships with Coles and retailers including Target, Kmart, Liquorland and Bunnings. There is also a range of credit cards that let you earn Flybuys points directly or through point transfers, including Coles Mastercard credit cards and Citi Rewards cards.

Compare Flybuys credit cards

These cards earn Flybuys points directly or points that can be converted to Flybuys.

Name Bonus points Points per $ spent Purchase rate p.a. Annual fee
Coles No Annual Fee Mastercard
Coles No Annual Fee Mastercard image
Flybuys
Bonus points
N/A
Points per $ spent
0.5
Purchase rate p.a.
0% for 6 months, then 20.74%
Annual fee
$0
Go to siteMore Info
Save with an ongoing $0 annual fee and 0% interest on purchases for the first 6 months. Ends 31 July 2024.
Citi Premier Card - Cashback Offer
Citi Premier Card - Cashback Offer image
Citi Rewards Program
Bonus points
N/A
Points per $ spent
1
Purchase rate p.a.
21.49%
Annual fee
$300
More Info
Receive $600 cashback when you spend $2,000 through Apple Pay, Google Pay or Samsung Pay in the first 3 months.
Citi Rewards Card - Flybuys Offer
Citi Rewards Card - Flybuys Offer image
Citi Rewards Program
Bonus points
100,000
Points per $ spent
1
Purchase rate p.a.
0% for 6 months, then 21.49%
Annual fee
$199
More Info
Get 100,000 bonus Flybuys points (worth $500 Flybuys dollars) when you spend $5,000 in the first 3 months. Plus, 0% p.a. interest rate on purchases for 6 months.
Citi Rewards Card - Velocity Points Offer
Citi Rewards Card - Velocity Points Offer image
Velocity Frequent Flyer
Bonus points
80,000
Points per $ spent
1
Purchase rate p.a.
21.49%
Annual fee
$199
More Info
Earn 80,000 bonus Velocity Points when you spend $5,000 in the first 3 months. Plus, complimentary insurance covers.
Citi Premier Card
Citi Premier Card image
Citi Rewards Program
Bonus points
200,000
Points per $ spent
1
Purchase rate p.a.
21.49%
Annual fee
$150 first year ($300 after)
More Info
Up to 200,000 bonus points (150k when you spend $7,000 in the first 3 months and 50k in year 2).
Citi Prestige Card
Citi Prestige Card image
Citi Rewards Program
Bonus points
275,000
Points per $ spent
1
Purchase rate p.a.
21.49%
Annual fee
$700
More Info
Get 275,000 bonus Citi Rewards Points, unlimited airport lounge access, hotel perks and complimentary travel insurance.
Coles Low Rate Mastercard
Coles Low Rate Mastercard image
Flybuys
Bonus points
N/A
Points per $ spent
0.5
Purchase rate p.a.
13.49%
Annual fee
$58
More Info
Save with 0% p.a. for 15 months on balance transfers (with a 1.5% BT fee). Plus, earn Flybuys points on Coles spending.
Coles Rewards Mastercard
Coles Rewards Mastercard image
Flybuys
Bonus points
50,000
Points per $ spent
2
Purchase rate p.a.
20.74%
Annual fee
$99
More Info
Get 50,000 bonus Flybuys points (worth $250 Flybuys Dollars) when you spend $3,000 on eligible purchases within the first 3 months.
loading
Showing 8 of 8 results
Tom Goodwin

Many points schemes have a time limit on their use. So make sure you keep an eye on them! Don't be like me and miss out on potential savings, flights or fun items for round the house by letting a time limit lapse.
— Tom Goodwin, Commercial Content Editor

How can I earn Flybuys points on my credit card?

Currently, Coles Mastercard is the only credit card brand that offers Flybuys points per $1 on your eligible everyday purchases. Here's how many points you'll earn with one of its cards:

  • Coles Rewards Mastercard: 2 Flybuys points per $1 on eligible spending up to $3,000 per statement period (1 point per $1 up to $8,000 per statement period).
  • Coles No Annual Fee Mastercard: 0.5 Flybuys points per $1 on eligible spending up to $5,000 per statement period. Points are awarded in whole numbers and rounded down, meaning you earn 1 point per $2 spent with this card.
  • Coles Low Rate Mastercard: 0.5 Flybuys points per $1 spent at Coles Supermarkets (earned as 1 Flybuys point per $2).

With a Coles-branded credit card, your Flybuys membership details and barcode are also printed on the back of the card, so you can scan it to earn regular Flybuys points with program partners. This gives you a way to earn points twice when you shop with partners: once through Flybuys and once with your credit card.

Keep in mind: You'll need to provide your Flybuys membership number when you apply or after you activate your account to be able to earn Flybuys points with a credit card.

Transferring credit card points to Flybuys

If you have a Citi Rewards or Suncorp Rewards credit card, you can transfer points to your Flybuys account. The amount of points you get from a transfer is different with each program, so we've included the key details in a table.

Rewards programPoint transfer rate
Citi Rewards1.33 Citi Rewards points = 1 Flybuys point
Suncorp Rewards1.33 Suncorp Bank Rewards points = 1 Flybuys point

If you're comparing these cards to Coles Mastercard credit cards, both Citi Rewards and Suncorp Rewards offer an equivalent of 0.75 Flybuys points per $1 of eligible spending.

What is eligible spending?

Every credit card has its own definition of what transactions are and aren't eligible to earn points. But you'll typically earn points for everyday transactions including supermarket shopping, petrol, dining, subscriptions and travel bookings.

Transactions that don't usually earn points include balance transfers, account fees and charges and government spending. You can check the rewards program terms and conditions for your credit card, or ask the provider to find out if specific transactions will or won't earn points.

Example: How many Flybuys points can I earn with a credit card?

The amount of points you'll get from a Flybuys credit card depends on the card, its earn rate and how much you spend.

But to give you an idea, with an average credit card monthly spending of $2,100 you could earn between 1,050 and 4,200 Flybuys points per month. That works out to between 12,600 and 50,400 Flybuys points per year from credit card spending.

If you redeemed these points for Flybuys dollars, you could get $60 to $250 off your shop at Coles or another partner.

Tip: Look for Flybuys credit cards that have bonus points offers. These cards can give you thousands of Flybuys points when you sign up for a new account and meet the spend requirements. For example, you could get 50,000 bonus Flybuys points by spending $4,000 in the first 3 months.

sepia image with hand credit card and laptop

How to redeem Flybuys points earned with a credit card

Once the Flybuys points earned with your credit card have been added to your account, you can redeem them for cash off your shop, retail items, travel, Velocity Points and other rewards offered through the Flybuys rewards program in a few steps:

  1. Go to https://experience.flybuys.com.au/ or the Flybuys app and log in to your account.
  2. Shop for rewards and choose the one you want.
  3. Follow the prompts to finalise your redemption.

You can also redeem points by calling the Flybuys service centre at 13 11 16.

What are the pros and cons of using a Flybuys credit card?

Pros

  • Earn points as you spend. A Flybuys-linked credit card will reward your everyday credit card spending. Plus, if you're shopping with a Flybuys partner, you can earn double the Flybuys points by tapping your Flybuys loyalty card at the checkout as well as spending with your credit card.
  • Instantly convert points to cash. With Flybuys-linked Coles credit cards, you can instantly convert 2,000 Flybuys points into $10 off your next shop at any Coles store.
  • Free membership. Certain frequent flyer programs require that you pay a registration or annual fee, but the Flybuys program doesn't charge such a fee. Please note that your credit card may come with an annual fee, though.
  • Get more than flights. You can redeem your Flybuys points for more than flight rewards. You can also get gift cards, convert your points to cash, or choose from an array of merchandise.
  • Convert points into frequent flyer points. If you'd prefer, you can also transfer your Flybuys points to an Etihad Guest Miles or Virgin Velocity frequent flyer account.
  • Enjoy bundled discounts. With attractive incentives to spend within the large network of Flybuys partners, you can save money or earn multiple Flybuys points by taking up exclusive partner promotions.

Cons

  • Few linked credit cards. Not many cards are directly linked to the Flybuys program, which limits your choices to a few card providers.
  • Higher annual fee for faster earn rate. The Coles Rewards Mastercard charges a $99 annual fee to earn up to 2 points for every $1 spent, compared to the Coles No Annual Fee Mastercard which lets you earn 0.5 points per $1 spent.
  • Limited travel benefits. You may be disappointed if you're looking for benefits like priority check-ins, travel insurance cover and lounge access. Unlike traditional frequent flyer programs, Flybuys doesn't directly offer these.
  • Restrictions. Flybuys customers are limited to earning points only with partner merchants, so you'll want to make sure that its network of partner stores caters for your existing spending habits.
  • Expiry. Flybuys points and dollars will expire if you fail to earn or redeem points for 12 consecutive months.

In general, the Flybuys program offers a competitive way to be rewarded for your daily expenses. Using a Flybuys credit card on top of that can double or triple your earn rate to maximise your rewards. But make sure you compare your options and ensure that the costs of the card don’t outweigh the Flybuys perks before you apply.

Frequently asked questions

Back to top
To make sure you get accurate and helpful information, this guide has been edited by Joelle Grubb as part of our fact-checking process.
Amy Bradney-George's headshot
Editor

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

Amy's expertise
Amy has written 596 Finder guides across topics including:
  • Credit cards
  • Frequent flyer
  • Credit score
  • BNPL
  • Money management
  • Sustainability

More guides on Finder

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

51 Responses

    Default Gravatar
    JenniferMarch 12, 2023

    I have lost my flybuys card the membership number starts with 6008xxxxxxxx9019 could you
    please send me a new one thank you very much

      AvatarFinder
      AmyMarch 13, 2023Finder

      Hi Jennifer,
      Call Flybuys on 13 11 16 and they can help you get your account details and a new Flybuys card. If you have a Flybuys credit card, your membership number should be on the back, so you can scan that instead. You could also order a new card through the Flybuys app or online account if you have those details. Hope this helps!

      AvatarFinder
      SarahMarch 13, 2023Finder

      Hi Jennifer,

      This is Finder review page for FlyBuys, we’re not directly affiliated with them. You’ll need to contact FlyBuys directly to organise a new card.

      Hope this helps!

    Default Gravatar
    JaniceOctober 27, 2016

    I belong to Virgin Velocity and also Coles Flybuys and I would like to know how I transfer points from Flybuys to Virgin, thanks.

      AvatarFinder
      DeeOctober 28, 2016Finder

      Hi Janice,

      Thanks for your question.

      To convert your Flybuys points to Velocity Frequent Flyer points, you need to link your memberships through the flybuys and Velocity website.

      Once successfully linked, you can already transfer your Flybuys points to Velocity Points by visiting the Flybuys website rewards section.

      Cheers,
      Anndy

    Default Gravatar
    AllanFebruary 23, 2016

    Who can I book a plane flight with that accepts Fly Buy points as payment,no longer available with Webjet

      AvatarFinder
      SallyFebruary 23, 2016Finder

      Hi Allan,

      Thanks for your question.

      You can redeem your flybuys points for flights with Etihad Airways.

      For more information on how you can do this, please see this guide.

      I hope this has helped.

      Cheers,

      Sally

    Default Gravatar
    ColleenFebruary 5, 2016

    Can I transfer my fly buyers point to my husband Qantas frequent flyers card

      AvatarFinder
      JonathanFebruary 8, 2016Finder

      Hi Colleen, thanks for your inquiry!

      Unfortunately transferring flybuys points is not a supported feature.

      Cheers,

      Jonathan

    Default Gravatar
    TessJune 24, 2015

    How do I t/f points into money off my next Coles bill. Can you do this for me?

      AvatarFinder
      SallyJune 24, 2015Finder

      Hi Tess,

      Thanks for your question.

      Just to confirm, you have come through to finder.com.au, not Coles or flybuys. As such, we’re unable to access or manage your flybuys account.

      You can get money off your next Coles shop by following these instructions:
      1. Make sure you are signed into your account before turning your points into flybuys Dollars.
      2. Once you’re logged in to your online account, click ‘Redeem Now’ and complete the requested info – including your 4-digit PIN.
      3. Select how many points you want to convert into flybuys Dollars.
      4. Present your flybuys card when you’re next at Coles, let the team member at the checkout know you’d like to pay with flybuys Dollars. Enter the amount of flybuys Dollars you’d like to spend, swipe your card and enter your PIN.

      I’ve sent you an email with the link to the flybuys sign in page.

      I hope this has helped answer your question.

      Thanks,

      Sally

Go to site