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.
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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.
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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
    RobynNovember 27, 2014

    Can I pay for flights with my flybuy points

      Elizabeth Barry's headshotFinder
      ElizabethNovember 27, 2014Finder

      Hi Robyn,

      Thanks for your question.

      flybuys has a few travel partners through which you are able to book and redeem rewards, including flights. You can do this through the flybuys website.

      I hope this has helped.

      Thanks,

      Elizabeth

    Default Gravatar
    PamelaOctober 8, 2014

    Not sure what my email is registered as but have not logged in for a long time. Also don’t know if I have updated my address. My Fly buys should be linked to my NAB account? Anyway I don’t seem to be earning points and after 15 years and no use only have $10 credit so want to look in to making this card work. Please advise.

      Elizabeth Barry's headshotFinder
      ElizabethOctober 8, 2014Finder

      Hi Pamela,

      Thanks for your question.

      The first thing you might want to do is get in contact with flybuys and try and retrieve your account details. You could try a few of the email addresses you’ve had and then select the ‘forgot your password’ option at login to set up a new one. From there you can check that all your details are correct in your account. Then, you can ensure that your flybuys number is linked to your NAB account to make sure you are earning points. One way to start earning more points is to use your card when you make everyday purchases, so if you’ve lost your card you can have a new one sent to you.

      I hope this has helped.

      Thanks,

      Elizabeth

    Default Gravatar
    MargaretApril 7, 2014

    Can I link my flybuys card to my frequent flyer card and if so how?

      Default GravatarFinder
      JacobApril 7, 2014Finder

      Hi, Margaret.

      Thanks for your question.

      It’s not possible to link your flybuys card with another rewards program. A flybuys card can be used to earn flybuys points, which can be redeemed for a range of rewards including flights.

      I hope this helps and please let us know if you have any further question.

    Default Gravatar
    AnnApril 7, 2014

    Can other family members use your flybuys points to travel?

      Default GravatarFinder
      JacobApril 7, 2014Finder

      Hi, Ann.

      Additional members on the primary members account can redeem flybuys points for rewards. flybuys is free to join, additional members in your household will also earn points for the main account when they shop.

      Thanks for your question.

    Default Gravatar
    BelindaOctober 27, 2013

    can we use Qantas frequent flyer points to fly with Jet Star?

      Default GravatarFinder
      JacobOctober 28, 2013Finder

      Hi Belinda.

      According to the Qantas website, ‘Qantas & Jetstar Any Seat Awards allow you to use your Qantas Points to book any available seat on a Qantas or Jetstar flight.’

      Thanks for your question.

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