How quickly do Flybuys points get to my account?

With a Coles Mastercard credit card, the points you earn per $1 can take up to 60 days to be added to your Flybuys account and the number of points you earn in each statement period will be shown on your credit card statement. If you're transferring credit card reward points, allow up to 28 days for them to be credited to your Flybuys account. And for bonus point offers you should typically allow around 4-6 weeks from when you meet the spend requirement. These details vary between cards, so if you have questions it's a good idea to ask the credit card company directly.

How can I add a cardholder?

If you want to share your Flybuys credit card account with someone, you can submit a request to add them as an additional cardholder on your account. They'll be issued with their own credit card, which will earn Flybuys points for your rewards account. Note that you'll still be responsible for managing the Flybuys credit card (as the primary cardholder).

How do I link my frequent flyer account?

Link your partner accounts online by signing in to your Flybuys account. Go to “My account” and scroll down to “Your linked accounts”. Under that, you will see the possible accounts that can be linked. Simply follow the prompts from there.

What are Flybuys dollars?

You can get Flybuys dollars in exchange for your Flybuys points, at the rate of 10 Flybuys dollars for every 2,000 Flybuys points. These Flybuys dollars can be used to pay for products and services at Coles Supermarkets, Shell Reddy Express, Liquorland, Target, Kmart, mycar Tyre & Auto and First Choice Liquor.

How can I check my points balance?

Log in to the Flybuys app or Flybuys website to check your current Flybuys points balance. You'll also see details of how many points you have earned on your monthly credit card statements.

How do I change my address or phone number?

Update your details by calling the Flybuys Service Centre on 13 11 16, or by logging in to your account online. Go to “My Account”, select from the options in the top right-hand corner of the Account Overview page or navigate to the “Account Details” page using the submenu to update any of your details.

Flybuys credit cards: compare Flybuys points offers

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.

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Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
Coles Low Rate Mastercard Flybuys	Bonus points N/A	Points per $ spent 0.5	13.49%	Annual fee $58	Go to site View details Compare product selectionCompare	loading
Coles No Annual Fee Mastercard Flybuys	Bonus points N/A	Points per $ spent 0.5	21.99%	Annual fee $0	Go to site View details Compare product selectionCompare	loading
NAB Rewards Card – Velocity Points NAB Rewards	Bonus points 80,000	Points per $ spent 1.25	22.49%	Annual fee $195	Get up to 80,000 bonus Velocity Points: 40,000 points when you spend $4,000 in the first 90 days and 40,000 points after 12 months.	Go to site View details Compare product selectionCompare	loading
NAB Rewards Travel Card – Velocity Points NAB Rewards	Bonus points 90,000	Points per $ spent 1.5	22.49%	Annual fee $395	Get up to 90,000 bonus Velocity Points: 50,000 points when you spend $5,000 in the first 90 days and 40,000 points when you keep your card open for over 12 months. Plus, no foreign transaction fees.	Go to site View details Compare product selectionCompare	loading
Coles Rewards Mastercard Flybuys	Bonus points N/A	Points per $ spent 1	21.99%	Annual fee $99	Go to site View details Compare product selectionCompare	loading
NAB Rewards Business Signature Card Finder AwardNAB Rewards	Bonus points 250,000	Points per $ spent 1.25	19.5%	Annual fee $175	Get up to 250,000 bonus NAB Rewards Points: 200,000 points when you spend $8,000 on everyday business purchases in the first 90 days and 50,000 points when you keep your account open for at least 15 months. ABN required.	Go to site View details Compare product selectionCompare	loading
NAB Rewards Travel Card NAB Rewards	Bonus points 180,000	Points per $ spent 1.5	22.49%	Annual fee $395	Get up to 180,000 bonus NAB Rewards Points (worth $500 in eGift cards): 120,000 points when you spend $5,000 in the first 90 days and 60,000 points after 12 months. Plus, no foreign transaction fees.	View details Compare product selectionCompare	loading
NAB Rewards Card NAB Rewards	Bonus points 100,000	Points per $ spent 1.25	22.49%	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.	View details Compare product selectionCompare	loading

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.

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.
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 1 Flybuys points per $1 on eligible spending (up to $3,000 per statement period and then point per $1 up to $8,000 per statement period after that).

It also has a bonus offer of 40,000 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: 40,000
Points earned on card spending (2 points per dollar): 48,000
Total = 88,000 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).

"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

Senior 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:

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

With a Coles Mastercard credit card, the points you earn per $1 can take up to 60 days to be added to your Flybuys account and the number of points you earn in each statement period will be shown on your credit card statement.
If you're transferring credit card reward points, allow up to 28 days for them to be credited to your Flybuys account.
And for bonus point offers you should typically allow around 4-6 weeks from when you meet the spend requirement. These details vary between cards, so if you have questions it's a good idea to ask the credit card company directly.
If you want to share your Flybuys credit card account with someone, you can submit a request to add them as an additional cardholder on your account. They'll be issued with their own credit card, which will earn Flybuys points for your rewards account. Note that you'll still be responsible for managing the Flybuys credit card (as the primary cardholder).

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Coles Mastercard Rewards terms and conditions, accessed September 2024

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Joelle Grubb as part of our fact-checking process.

Written by

Amy Bradney-George

Journalist

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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

TessJuly 8, 2013

How many frequent flyer points do I have?

Finder

JacobJuly 8, 2013Finder

Hi Tess. Thanks for your question. Please log in to your online account to check your frequent flyer points balance, you can do this through the flybuys website. Jacob.

AdrianneMay 7, 2013

Can flybuys be linked to Qantas frequent flyers?

Finder

JacobMay 7, 2013Finder

Hi Adrianne. Thanks for your question. Unfortunately you are not able to do this. These two frequent flyer programs are in competition of each other, so you have to choose to earn one or the other. You can have a membership with each program and link a card to each membership, and earn points for each that way. But there is no linking or transferring between the two programs. Let me know if there’s anything else you would like to know. Jacob.

KeithApril 2, 2013

I have recently lost our Coles flybuys Card, how do I go about replacing it ?

Finder

JacobApril 2, 2013Finder

Hi Keith. Please contact Coles directly as soon as possible to cancel the card and have it reissued. Jacob.

JUDYFebruary 8, 2013

I am finding very difficult to find an application for to apply for a reward card with coles. I just want a card not a credit card.
thanks

Finder

JacobFebruary 8, 2013Finder

Hi Judy. If you’re referring to the Coles flybuys My 5 offer, please head to the flybuys website to register for a card. Thanks.

NgocMay 27, 2012

I would like to apply for the NAB flybuys card. Can you please confirm as an NAB employee the annual card fee will be waived? I could not locate any information on the NAB intranet for employees thanks in advance

Finder

JacobMarch 27, 2013Finder

Hi Ngoc. We don’t have access to this information. As a NAB employee, you’re in a better position to make a call on this. Jacob.

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