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Earn frequent flyer points for spending at supermarkets

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 Frequent Flyer and Coles is partnered with Virgin Australia Velocity Frequent Flyer.

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 14th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
David Jones American Express
20,000 bonus points
Membership Rewards
1
20.74% p.a.
$99 p.a.
The AMEX David Jones Credit Card gives you points for supermarket purchases. Earn 3 Points per $1 spent at all the major supermarkets.
David Jones American Express Platinum Card
40,000 bonus points
Membership Rewards
1
20.74% p.a.
$295 p.a.
Earn 40,000 Membership Rewards points when you spend outside of store 3 times in the first month.
David Jones American Express Platinum Card - Qantas Frequent Flyer
30,000 bonus points
Qantas Frequent Flyer
0.75
20.74% p.a.
$295 p.a.
Fly faster with up to 3 Qantas Points per $1 spent and receive complimentary travel insurance when travel is booked on your card.

Compare up to 4 providers

How to earn frequent flyer points at your favourite supermarket

Woolworths and Qantas Frequent Flyer

The Woolworths Rewards program allows you to earn point per $1 spent on all eligible purchases at Woolworths supermarkets, BWS, Big W or Caltex Woolworths service stations. These points can be converted into Qantas Points at a rate of 2,000 Woolworths Rewards points 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.

Coles and flybuys

With Coles and the flybuys loyalty program, you also earn points for your spending at Coles supermarkets, First Choice Liquor and other retail partners such as Kmart and Target. In most cases, you'll earn 1 point per $1 spent, although the earn rates do vary with some partners.

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

  • Velocity Frequent Flyer. Similar to the partnership between Woolworths Rewards and Qantas Frequent Flyer, you can transfer 2,000 flybuys points to 870 Velocity Frequent Flyer points.
  • flybuys travel. You can use your flybuys points to book flights, hotels, car rentals and holiday packages directly through the flybuys travel service. With this option, each point is worth 0.5 cents towards your booking, and you can choose to use a combination of points and cash.

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 Virgin Australia? 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 Virgin Australia, 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. If you converted 10,000 Woolworths Rewards points, you would get 4,350 Qantas Points, while the same amount of flybuys points would get you 4,350 Velocity 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 Velocity Frequent Flyer 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 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 14th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
Virgin Australia Velocity Flyer Card - Bonus Points Offer
60,000 bonus points
Velocity Frequent Flyer
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus points in the first 3 months and save with a $64 first year annual fee. Plus, a long-term balance transfer offer.
Virgin Australia Velocity Flyer Card - Exclusive Offer
Velocity Frequent Flyer
0.66
0% p.a. for 14 months (reverts to 20.74% p.a.)
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.
Virgin Australia Velocity High Flyer Card
90,000 bonus points
Velocity Frequent Flyer
1
20.74% p.a.
$289 p.a.
Take off sooner with up to 90,000 bonus Velocity Points, lounge passes and insurance covers. Plus, enjoy a 15 month balance transfer offer.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Velocity Frequent Flyer
0.66
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a $64 first year annual fee and 0% p.a. balance transfer offer. Plus, receive a $129 Virgin Australia Gift Voucher each year.
ANZ Rewards Travel Adventures card
40,000 bonus points
ANZ Rewards Program
1.5
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.
American Express Explorer Credit Card
100,000 bonus points
Membership Rewards Gateway
2
20.74% p.a.
$395 p.a.
Get 100,000 bonus Membership Rewards points, a yearly $400 Travel Credit and 2 entries per year to the American Express Lounge.
Citi Prestige Card
400,000 bonus points
Citi Rewards Program
3
20.99% p.a.
$700 p.a.
Receive 20,000 bonus reward Points per month for 20 months. This adds up to 400,000 points, which can be converted to 200,000 Velocity Points.
Citi Signature Credit Card
300,000 bonus points
Citi Rewards Program
1
20.99% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 15,000 bonus reward Points per month for 20 months. This adds up to 300,000 points, which can be converted to 150,000 Velocity Points.

Compare up to 4 providers

Qantas Frequent Flyer credit cards

Similarly, Qantas also has a good array of direct-earn credit cards by ANZ, American Express, Citi, 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 the American Express Membership Rewards program into 0.5 Qantas Points, but a CommBank Awards credit card only gives you one Qantas Point for every 2.5 Awards points.

Compare Qantas Frequent Flyer credit cards

Rates last updated December 14th, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
Qantas Premier Platinum
100,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Get 70,000 bonus Qantas points when you meet the spend criteria and 30,000 more when you pay the second year's annual fee (100,000 total).
HSBC Platinum Qantas Credit Card
Qantas Frequent Flyer
1
19.99% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
Qantas Premier Everyday
20,000 bonus points
Qantas Frequent Flyer
0.75
0% p.a. for 9 months (reverts to 19.99% p.a.)
$49 p.a.
Take advantage of 20,000 bonus Qantas Points, a 0% p.a. purchase and balance transfer offers. Plus, complimentary overseas travel insurance.
Westpac Altitude Platinum Card - Qantas
60,000 bonus points
Qantas Frequent Flyer
0.5
20.24% p.a.
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
St.George Amplify Signature - Qantas
80,000 bonus points
Qantas Frequent Flyer
0.75
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Enjoy 80,000 bonus Qantas Points when you spend $4,000 within 90 days and 2 complimentary Qantas Club lounge invitations per year.
American Express Westpac Altitude Platinum Bundle - Qantas
75,000 bonus points
Qantas Frequent Flyer
1
0.5
20.24% p.a.
$99 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
St.George Amplify Platinum - Qantas
50,000 bonus points
Qantas Frequent Flyer
0.5
19.49% p.a.
$99 p.a.
Earn 50,000 bonus Qantas Points when you spend $2,000 within 90 days and earn 0.5 Qantas points per $1 spent.
American Express Westpac Altitude Black Bundle - Qantas
120,000 bonus points
Qantas Frequent Flyer
1.25
0.75
20.24% p.a.
$499 p.a.
Up to 120,000 bonus Qantas Points with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex). T&Cs apply.
ANZ Frequent Flyer Black
120,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$425 p.a.
Earn 120,000 bonus Qantas Points & $150 back when you spend $7,500 in the first 3 months. Plus, 75 Status Credits and lounge passes.
NAB Qantas Rewards Signature Card
90,000 bonus points
Qantas Frequent Flyer
1
19.99% p.a.
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.
BankSA Amplify Signature - Qantas
80,000 bonus points
Qantas Frequent Flyer
0.75
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Receive 80,000 bonus Qantas Points when you spend $4,000 within 90 days. Plus, a discounted first year annual fee and lounge passes.
Bank of Melbourne Amplify Platinum - Qantas
50,000 bonus points
Qantas Frequent Flyer
0.5
19.49% p.a.
$99 p.a.
Receive 50,000 bonus Qantas or Amplify Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas points per $1 spent.
BankSA Amplify Platinum - Qantas
50,000 bonus points
Qantas Frequent Flyer
0.5
19.49% p.a.
$99 p.a.
Receive 50,000 bonus Qantas or Amplify Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas points per $1 spent.
Bank of Melbourne Amplify Signature - Qantas
80,000 bonus points
Qantas Frequent Flyer
0.75
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Offers 80,000 bonus Qantas Points when you spend $4,000 in 90 days, 2 Qantas lounge passes per year plus a reduced first year annual fee.

Compare up to 4 providers

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 2 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

Woolworths credit cards

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

The Woolworths Everyday Platinum, on the other hand, earns credit card reward points that 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 stores to earn your regular Woolworths Rewards points.

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.

Pictures: Shutterstock

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Sally McMullen

Sally McMullen is an editor at finder.com.au who is a credit cards and frequent flyer expert by day and music maven by night.

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