family spending at supermarket

Earn frequent flyer points for spending at supermarkets

Information verified correct on December 10th, 2016

Collect frequent flyer points with every grocery shop and earn your next reward flight faster.

If you’re looking for ways to boost your frequent flyer points, your next supermarket shop can help. While many frequent flyer credit cards let you indirectly earn frequent flyer points for shopping, you can double your earn rate if your favourite supermarket also has its own rewards program in partnership with a bank or frequent flyer program. For instance, Woolworths is partnered with Qantas and Coles is partnered with Etihad Airways.

Find out more about these two supermarket rewards programs and how they can help boost your frequent flyer balance when you’re on the ground.

Compare Supermarket Credit Cards

Rates last updated December 10th, 2016.

American Express Platinum Edge Credit Card

Standard 10,000 bonus points offer + 0% for 12 months BT offer + $200 Travel Credit

November 1st, 2016

Coles Low Rate MasterCard

Purchase rate has been updated from 9.99% p.a. to 12.99% p.a.

December 6th, 2016

View latest updates

Jonathan Choi Jonathan
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
1 0 10,000 bonus points $195 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with flybuys points on your purchases.
0 0.5 $49 p.a. Go to site More info
David Jones American Express
The AMEX David Jones Credit Card gives you points for supermarket purchases. Earn 1.000 Points per $1 spent at all the major supermarkets.
1 30,000 bonus points $99 p.a. Go to site More info
David Jones American Express Platinum Card
Earn 40,000 Membership Rewards points when you spend outside of store 3 times in the first month and up to 3.00 reward points for every dollar you spend at supermarkets.
1 40,000 bonus points $295 p.a. Go to site More info

How to earn frequent flyer points at your favourite supermarket

Qantas and Woolworths

Putting aside all historical changes to avoid confusion, the current Woolworths Rewards program partnership with Qantas was launched on 31 August 2016 and has replaced what was previously the Everyday Rewards program. Forget orange-ticketed items, and forget the Woolworths dollar. Now there is no minimum spend requirement, and you can earn one point per $1 spent at all Woolworths supermarkets, BWS or Caltex Woolworths fuel outlets.

These points can be converted into Qantas Points at a rate of 2,000 Woolworths Rewards to 870 Qantas Points, which works out to be an earn rate of 0.43 Qantas Points per $1 spent. After converting, please allow up to a week for your Qantas Points to appear in your Qantas Frequent Flyer account.

Earning Qantas Points with the Woolworths Rewards program

Coles and flybuys

With Coles and the flybuys loyalty program, you also earn one point per every $1 spent at Coles supermarkets, Liquorland and Shell (Coles) petrol stations. The flybuys network, however, is more extensive than Woolworths Rewards. It allows you to earn flybuys points by spending money with a range of program partners, including Adidas, AGL Energy, Budget, Kmart, Medibank, National Australia Bank, Target, Telstra and even Etihad Airways.

When it comes to turning your flybuys points into travel rewards, there are two ways to do this:

  • Etihad Guest Miles. You can transfer your flybuys points to the Etihad Guest frequent flyer program in multiples of 10,000 flybuys points to 4,000 Etihad Guest Miles. This represents an earn rate of 0.4 Etihad Guest Miles per flybuys point. Please allow up to 5 business days for your transfer to be completed.
  • flybuys Travel. You can use your flybuys points to book flights, hotels, car rentals and holiday packages directly through the flybuys Travel service. At the time of writing this article, a return Sydney-Singapore flight on Qantas cost $1,172.70 or 234,600 flybuys points. You can also choose to pay with a mixture of points and cash, plus you’ll earn flybuys points on all your paid bookings through the service.

Learn more about the flybuys loyalty program

Which supermarket rewards program is right for me?

While both programs might seem equally attractive, the fact is you’ll derive more value if you pick just one of these rewards programs and commit to doing your shopping at the affiliated supermarket and with program partners. These factors will help guide your consideration when choosing between the two programs:

  • Where do you currently do most of your grocery shopping? If you already regularly shop at either of these major supermarkets, signing up for the linked rewards program will allow you to earn points without changing your spending habits or preferences.
  • Which airline do you prefer? Would you prefer to earn frequent flyer points for Qantas or Etihad Airways? If neither, would you consider buying tickets for your preferred airlines using flybuys points and the flybuys Travel service?
  • What do you want to use your points for? Again, if you are not already a frequent flyer member, or if you prefer a different airline to Qantas and Etihad, you may want to consider the options available through flybuys Travel, as well as the various other reward redemption options on flybuys. You could also consider a rewards credit card that earns points for everyday spending and offers a wide variety of rewards.
  • How much do you spend on groceries each week? Consider your average weekly spend, and how many points this could give you through Woolworths Rewards or flybuys. Then work out what this translates to in terms of frequent flyer rewards. For example, if you spend $200 a week on groceries, you could earn 200 flybuys or Woolworths Rewards points. In a year, you would earn 10,400 points. With the flybuys program, that’s enough to get 4,000 Etihad Guest Miles for 10,000 points, while with Woolworths Rewards you would be able to get 4,350 Qantas Points for 10,000 points. Both options leave you with 400 points left over for next time.
  • Do you have an affiliated credit card? Your decision becomes much clearer if you already hold a Woolworths, Coles, Qantas or Etihad credit card, or if you’re looking to get one.

Using a credit card to earn frequent flyer points

If you’re still on the market for a new frequent flyer credit card that will allow you to earn points on all your everyday spending, and not just groceries, you can compare frequent flyer credit cards here. These cards could also boost your frequent flyer balance when you shop at any grocery store – regardless of whether there’s a rewards program linked to it.

Velocity Frequent Flyer credit cards

If you’re more of a Virgin Australia fan, there are plenty of ways to earn Velocity points too. Virgin Money has a few of its own branded Velocity credit cards, as well as American Express and NAB. On top of that, the Velocity Frequent Flyer Rewards Program has an extensive network of partners, which means that a great number of credit card brands also allow point transfers to the Velocity program.

Compare Velocity Frequent Flyer credit cards

Rates last updated December 10th, 2016.

NAB Velocity Rewards Card

15k bonus points + 0% p.a. for 15 months on purchases and balance transfers valid until 22 Jan 2017.

October 3rd, 2016

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

Balance transfer offers has been extended until 16 January 2017.

November 1st, 2016

Virgin Australia Velocity Flyer Card - 0% Interest Offer

0% purchase and balance transfer offers extended until 16 January 2017.

November 1st, 2016

View latest updates

Jonathan Choi Jonathan
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
NAB Velocity Rewards Card
NAB Velocity Rewards Card
15,000 bonus points 0.5 1 $95 p.a. Go to site More info
American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 bonus points 0 1 $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0.66 0 $129 p.a. Go to site More info
American Express Velocity Platinum Card
American Express Velocity Platinum Card
50,000 bonus points 0 1 $349 p.a. Go to site More info
NAB Velocity Rewards Premium Card
NAB Velocity Rewards Premium Card
25,000 bonus points 0.5 1.5 $150 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
30,000 bonus points 1 0 $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Velocity Business Card
American Express Velocity Business Card
0 1 $249 p.a. Go to site More info

Velocity Frequent Flyer rewards program credit cards

Qantas Frequent Flyer credit cards

Similarly, Qantas also has a good array of direct-earn credit cards by ANZ, American Express, Citibank, HSBC and NAB, where you earn Qantas Points for each $1 spent on any of these cards linked to your Qantas frequent flyer account. Indirect earn credit cards are also available, where you can transfer your card reward points to Qantas Points, albeit sometimes at a less favourable rate. For example, you can convert one Membership Rewards point from theAmerican Express Membership Rewards program into one Qantas Point, but a CommBank Awards credit card only gives you one Qantas Point for every two Awards points.

Compare Qantas Frequent Flyer credit cards

Rates last updated December 10th, 2016.

NAB Qantas Rewards Premium Card - Exclusive Offer

Exclusive 75,000 bonus points when you spend $1,500 on everyday purchases in the first 90 days.

October 24th, 2016

American Express Qantas Ultimate Card

New offer of 100,000 bonus Qantas Points + extended 0% for 12 months BT offer until 30 January 2017

November 15th, 2016

ANZ Frequent Flyer Platinum

50,000 bonus points offer has been extended, plus a new offer of $0 annual fee for the first year.

November 29th, 2016

View latest updates

Jonathan Choi Jonathan
Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Annual fee
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
60,000 bonus points 1 0 $199 p.a. Go to site More info
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
75,000 bonus points 0.75 1.5 $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
American Express Qantas Ultimate Card
American Express Qantas Ultimate Card
100,000 bonus points 0 1 $450 p.a. Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
NAB Qantas Rewards Premium Card - Exclusive Offer
75,000 bonus points 0.5 1.5 $250 p.a. Go to site More info
American Express Qantas Premium Card
American Express Qantas Premium Card
30,000 bonus points 0 1 $249 p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
7,500 bonus points 0 1 $0 p.a. Go to site More info
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Platinum
50,000 bonus points 0.5 1.5 $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
American Express David Jones - Qantas Rewards
American Express David Jones - Qantas Rewards
22,500 bonus points 0 0.75 $99 p.a. Go to site More info
Westpac Altitude Black - Exclusive Offer
Westpac Altitude Black - Exclusive Offer
100,000 bonus points 1.25 3 $395 p.a. Go to site More info
NAB Qantas Rewards Premium Card
NAB Qantas Rewards Premium Card
25,000 bonus points 0.5 1.5 $250 p.a. Go to site More info
Citi Qantas Signature Credit Card
Citi Qantas Signature Credit Card
50,000 bonus points 1 0 $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info

How do Qantas Frequent Flyer credit cards work

flybuys credit cards

As mentioned above, Coles issues its own brand of credit cards that offer a higher earn rate for flybuys points. You can usually earn two points per $1 spent, which means that you earn 3 points per $1 spent when you swipe your flybuys card and use your Coles MasterCard simultaneously at eligible stores.

Furthermore, if you buy Coles Car Insurance, Coles Home Insurance, Coles Landlord Insurance or Coles Life Insurance, you will earn an extra flybuys point per $1 spent for any policy up to five flybuys points per $1. This means your regular earn rate can be five flybuys points per $1 if you bundle Coles products.

Compare flybuys credit cards

Rates last updated December 10th, 2016.

Coles Rewards Platinum MasterCard

2 flybuys reward points for every dollar spent + a low balance transfer offer

May 30th, 2016

NAB flybuys Rewards Card

0% balance transfer and purchase rate offers have been extended until 22 January 2017.

October 3rd, 2016

Coles Low Rate MasterCard

Purchase rate has been updated from 9.99% p.a. to 12.99% p.a.

December 6th, 2016

View latest updates

Jonathan Choi Jonathan
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
0 0.5 $49 p.a. Go to site More info
Coles Rewards Mastercard
A low annual fee credit card. Plus receive $10 off your Coles Supermarket and Coles Express shop when you redeem 2,000 flybuys points.
0 2 $89 p.a. Go to site More info
Coles Rewards Platinum MasterCard
A platinum card with a low interest rate with ability to earn flybuys points.
0 2 $89 p.a. Go to site More info
NAB flybuys Rewards Card
Enjoy a low interest rate offer on purchases and balance transfers. Also 1 point for every $1 you spend on your everyday purchases.
0 1 $95 p.a. Go to site More info

Woolworths credit cards

Woolworths also has two credit cards that offer rewards for everyday spending outside the supermarket. The Woolworths Money Qantas Platinum earns 1 Qantas Point per $1 spent on the card.

The Woolworths Money Everyday Platinum, on the other hand, earns between 1-3 Everyday Money Reward Points per $1 spent. These points are then converted into Woolworths gift cards every 4 months, with 4,000 points equalling $20 in value.

Both of these options also double as your Woolworths Rewards membership card, with the barcode on the back so you can scan it at participating Woolworths and Caltex stores to earn your regular Woolworths Rewards points.

Earning Qantas Points at the supermarket

aliceIf you’re a Qantas frequent flyer, consider how Alicia maximises her Qantas Points through her family’s supermarket expenditure. She spends an average of $250 per week at Woolworths, and holds a Woolworths Rewards card which she has opted in for earning Qantas rewards. She also has an American Express Qantas Discovery credit card that earns 1 Qantas Point per $1 spent

Over a year, she would earn:

  • Woolworths Rewards: 5,220 Qantas Points with 1,000 Woolworths points left over (because her 13,000 Woolworths Rewards points will be converted in multiples of 2,000 to 870 Qantas Points, i.e. 12,000 Woolworths Rewards points = 5,220 Qantas Points)
  • American Express Qantas Discovery card: 13,000 Qantas Points

Total: 18,220 Qantas Points

With these 18,200 Qantas Points, she could redeem a pair of Gold Class movie vouchers for 10,770 Points, or (at the time of this article) a Nikon Coolpix A10 camera on sale for 16,500 Points. She could also use the points to count towards flights, flight upgrades, hotel accommodation or car rental by using Points + Pay, where she can pay for any Qantas reward with a mixture of points and cash.

Earning frequent flyer points while doing your supermarket shopping can be a good way to maximise your rewards. After all, this is a regular expense and you might as well get something out of it in the long run. To get the most value for your money, though, compare all your options first so you can decide on the right program for you.

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