Flybuys credit cards

Trying to maximise your Flybuys points? Get a Flybuys credit card and earn extra points, plus massive bonus point offers.

Key takeaways

  • You can earn more Flybuys when you use a Flybuys credit card at Coles, Target, Kmart, Liquorland and Bunnings.
  • Coles offer Flybuys credit cards with bonus points offers when you sign up.
  • You can convert Flybuys Points to Velocity Points at a rate of 2 Flybuys Points to 1 Velocity Points.

Compare Flybuys credit cards

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

8 of 8 results
Bonus points Points per $ spent Purchase rate p.a. Annual fee
NAB Rewards Platinum Card – Velocity Points image
Bonus points
80,000
Points per $ spent
1
Purchase rate p.a.
20.99%
Annual fee
$195
Get up to 80,000 bonus Velocity Points: 60,000 points when you spend $4,000 in the first 90 days and 20,000 after 12 months.
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Coles Low Rate Mastercard image
Bonus points
N/A
Points per $ spent
0.5
Purchase rate p.a.
13.49%
Annual fee
$58
Save with a 0% p.a. on balance transfers for the first 12 months (with a 3% fee).
More info
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Coles No Annual Fee Mastercard image
Bonus points
N/A
Points per $ spent
0.5
Purchase rate p.a.
20.74%
Annual fee
$0
Offers 0% p.a. on balance transfers for 12 months (with a 5% fee), $0 annual fee, and 0.5 Flybuys points per $1 on eligible spending.
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NAB Rewards Signature Card – Velocity Points image
Bonus points
80,000
Points per $ spent
1.5
Purchase rate p.a.
20.99%
Annual fee
$420
Get up to 80,000 bonus Velocity Points: 60,000 points when you spend $5,000 in the first 90 days and 20,000 after 12 months. Plus, no foreign transaction fees.
More info
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Coles Rewards Mastercard image
Bonus points
N/A
Points per $ spent
2
Purchase rate p.a.
20.74%
Annual fee
$99
Get a 0% balance transfer offer for the first 12 months (with a 5% fee) and a $250 Coles gift card.
More info
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NAB Rewards Signature Card image
NAB Rewards Signature Card
Most LovedNAB Rewards
Bonus points
110,000
Points per $ spent
1.5
Purchase rate p.a.
20.99%
Annual fee
$420
Get 110,000 bonus NAB Rewards Points when you spend $5,000 in the first 90 days. Plus, no foreign transaction fees.
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NAB Rewards Business Signature Card image
NAB Rewards Business Signature Card
Finder AwardMost LovedNAB Rewards
Bonus points
200,000
Points per $ spent
1.25
Purchase rate p.a.
18.5%
Annual fee
$175
Get 200,000 bonus NAB Rewards points when you spend $8,000 on everyday business purchases in the first 90 days. ABN required.
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NAB Rewards Platinum Card image
NAB Rewards Platinum Card
Most LovedNAB Rewards
Bonus points
100,000
Points per $ spent
1
Purchase rate p.a.
20.99%
Annual fee
$195
Get up to 100,000 bonus NAB Rewards Points (worth $450 in eGift cards): 80,000 points when you spend $3,000 in the first 90 days and 20,000 after 12 months.
More info
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Showing 8 of 8 results

How can I earn Flybuys points on my credit card?

You can earn Flybuys Points when you sign up for a free Flybuys membership and spend money at eligible retailers. This includes Coles, Target, Kmart, Liquorland and Bunnings. You don't need a credit card to do this.

But you can even more points by shopping at those retailers with the right credit card.

  1. Earn more points when you spend. Many of the credit cards listed on this page let you earn more Flybuys points when you spend. If a card has an earn rate of 1 point per $1 spent, this means you'd earn 100 Flybuys Points on the card when shopping at Coles or Bunnings. This is in addition to the Flybuys points you'd already earn just for shopping. Depending on the card you could double your earn rate. Coles credit cards let you earn Flybuys this way.
  2. Bonus points offers when you sign up. Many cards have a generous bonus points offer when you sign up for the card. This could earn you tens or even hundreds of thousands of Flybuys Points. You often have to qualify for the bonus points by spending a certain amount on the card in the first few months after sign up.

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.

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.

Let's say you took out a Coles Rewards Mastercard. This card has an earn rate of 2 Flybuys points per $1 on eligible spending (up to $3,000 per statement period and then 1 point per $1 up to $8,000 per statement period after that).

It also has a bonus offer of 50,000 Flybuys Points if you spend $3,000 on eligible purchase in the first 3 months. Let's assume your monthly card spending in one year averages out to $2,000 a month.

  • Bonus points: 50,000
  • Points earned on card spending (2 points per dollar): 48,000
  • Total = 98,000 Flybuys Points.

And you'd also earn a further 24,000 Flybuys Points on the spending (you get 1 point per dollar spent as a Flybuys member).

Tom Goodwin's headshot

"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."

Editor

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 at eligible retailers.
  • 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 a 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

  • Fewer options. 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.

Frequently asked questions

Sources

To make sure you get accurate and helpful information, this guide has been edited by Joelle Grubb as part of our fact-checking process.
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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

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51 Responses

    Default Gravatar
    TiaraMay 6, 2015

    Can I pay part debit and part flybuy points through webjet or Travelworld for flights?

      Jonathan's headshotFinder
      JonathanMay 7, 2015Finder

      Hi Tiara, thanks for your inquiry!

      Part payments with flybuys points and card are eligible with Webjet. It would be best to contact Travelworld directly as transactions/ flight bookings are made through a travel agent.

      Cheers,

      Jonathan

    Default Gravatar
    GeoffreyMay 5, 2015

    Good afternoon. Is it possible for flybuys to be donated to a charity of one’s choice? Can the charity then redeem them for cash?

    Kind regards

    Geoffrey

      Jonathan's headshotFinder
      JonathanMay 5, 2015Finder

      Hi Geoffrey, thanks for your inquiry!

      Flybuys has a range of charity partners who you can donate points to by entering the flybuys Rewards website, pressing ‘Money off shop’ and then ‘Help Our Charity Partners’.

      Cheers,

      Jonathan

    Default Gravatar
    PipApril 19, 2015

    1.Can I convert my flybuys points I gained using an ANZ visa credit card to Qantas frequent flyer points? If so, how?
    2. If I want to donate my flybuys points to charity, how do I do this?

    Thanks!

      Jonathan's headshotFinder
      JonathanApril 20, 2015Finder

      Hi Pip, thanks for your inquiry!

      Unfortunately Flybuys points do not currently convert to Qantas Frequent Flyer points, although Flybuys points can be converted to flights by booking them through Webjet. Flybuys has a range of charity partners who you can donate points to by going through the flybuys Rewards website, entering ‘Money off shop’ and then ‘Help Our Charity Partners’.

      Cheers,

      Jonathan

    Default Gravatar
    DanielApril 9, 2015

    How do I link my flybuys card to my Qantas frequent flyer account?

      Jonathan's headshotFinder
      JonathanApril 9, 2015Finder

      Hi Daniel,

      Thanks for your inquiry.

      The flybuys program currently does not have a partnership link with Qantas Frequent Flyers. Please see our guide to Qantas Frequent Flyer cards.

      You can select the “Go to Site” button of your preferred credit card to proceed with your application. You can also contact the provider if you have specific questions. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.

      Cheers,
      Jonathan

    Default Gravatar
    ChristineMarch 11, 2015

    how many flybuys do I need to fly return to melbourne From cairns

      Jonathan's headshotFinder
      JonathanMarch 11, 2015Finder

      Hi Christine, thanks for your inquiry!

      The flybuys points required for a return flight to Melbourne from Cairns varies from approximately 30,000 points economy to 280,000 points for business flights. It would be best to check on the Webjet Travel website, who is the official flight partner with flybuys. On the website you can enter your desired flight and have the fares displayed in flybuys points.

      Cheers,

      Jonathan

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