Earn frequent flyer points for spending at supermarkets

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

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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

Updated February 29th, 2020
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
American Express Platinum Edge Credit Card
Membership Rewards Ascent
Amex
1
20.74% p.a.
$195 p.a.
Receive a yearly $200 Travel Credit and complimentary domestic and international travel insurance, plus 0% p.a. for 12 months on balance transfers.
David Jones American Express Card
15,000 bonus points
Qantas Frequent Flyer
Membership Rewards
Amex
1
20.74% p.a.
$99 p.a.
Not just for David Jones shoppers, receive 15,000 bonus Membership Rewards Points or 7,500 Qantas Points on eligible spend.
David Jones American Express Platinum Card
30,000 bonus points
Qantas Frequent Flyer
Membership Rewards
Amex
1
20.74% p.a.
$295 p.a.
DJ's shoppers and Qantas travellers earn 30,000 bonus Membership Rewards Points or 15,000 Qantas Points on eligible spend.

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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

Updated February 29th, 2020
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Velocity Frequent Flyer
Visa/MC
0.66
0% for 14 months, reverts to 20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Enjoy 0% p.a. interest on purchases for 14 months, a reduced first year annual fee and Velocity Points per $1 spent.
American Express Velocity Platinum Card
50,000 bonus points
Velocity Frequent Flyer
Amex
1.25
20.74% p.a.
$375 p.a.
Get 50,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
Westpac Altitude Black - Velocity
80,000 bonus points
Velocity Frequent Flyer
Visa/MC
0.75
20.49% p.a.
$300 p.a.
Earn 80,000 bonus Velocity Points when you meet the spend requirement. Plus, complimentary seat upgrades and lounge passes.
American Express Explorer Credit Card
50,000 bonus points
Membership Rewards
Amex
2
20.74% p.a.
$395 p.a.
Get 50,000 bonus points when you spend $3,000 in the first 3 months, a yearly $400 Travel Credit and 2 entries per year to the Amex Lounge.
American Express Westpac Altitude Black Bundle - Velocity
100,000 bonus points
Velocity Frequent Flyer
Amex
1.25
Visa/MC
0.75
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
$399 p.a. annual fee for the first year ($499 p.a. thereafter)
Up to 100,000 bonus Velocity Points with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex). T&Cs apply.
American Express Velocity Escape Card
Velocity Frequent Flyer
Amex
0.75
20.74% p.a.
$0 p.a.
Earn uncapped Velocity Points on purchases and save with a $0 annual fee for life and a 0% p.a. for 12 months balance transfer offer.
American Express Westpac Altitude Platinum Bundle
110,000 bonus points
Westpac Altitude Rewards
Amex
2
Visa/MC
1
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
$150 p.a. annual fee for the first year ($199 p.a. thereafter)
Collect up to 110,000 bonus Altitude Points when you meet T&Cs with Mastercard (issued by Westpac) & Amex (issued by Amex).

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

Updated February 29th, 2020
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
St.George Amplify Platinum - Qantas - Online Offer
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and a 0% balance transfer for 22 months.
Qantas American Express Ultimate Card
100,000 bonus points
Qantas Frequent Flyer
Amex
1.25
20.74% p.a.
$450 p.a.
Get 100,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
HSBC Platinum Qantas Credit Card
Qantas Frequent Flyer
Visa/MC
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.
Bank of Melbourne Amplify Platinum - Qantas
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
American Express Qantas Business Rewards Card
150,000 bonus points
Qantas Business Rewards
Amex
1.25
N/A
$450 p.a.
ABN holders w/ $75,000 revenue. Get 150,000 bonus Qantas Points, 3x points on eligible Qantas flights and 2 lounge passes each year.
BankSA Amplify Platinum - Qantas
60,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
19.74% p.a.
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent.
American Express Westpac Altitude Platinum Bundle - Qantas
75,000 bonus points
Qantas Frequent Flyer
Amex
1
Visa/MC
0.5
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)
$200 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 Mastercard (issued by Westpac) & Amex (issued by Amex).
Westpac Altitude Platinum Qantas - Online Offer
40,000 bonus points
Qantas Frequent Flyer
Visa/MC
0.5
20.49% p.a.
$200 p.a.
Get 40,000 bonus Qantas Points when you spend $2,000 within 90 days of approval. Plus, a 0% balance transfer and complimentary insurance.
David Jones American Express Card
15,000 bonus points
Qantas Frequent Flyer
Membership Rewards
Amex
1
20.74% p.a.
$99 p.a.
Not just for David Jones shoppers, receive 15,000 bonus Membership Rewards Points or 7,500 Qantas Points on eligible spend.
David Jones American Express Platinum Card
30,000 bonus points
Qantas Frequent Flyer
Membership Rewards
Amex
1
20.74% p.a.
$295 p.a.
DJ's shoppers and Qantas travellers earn 30,000 bonus Membership Rewards Points or 15,000 Qantas Points on eligible spend.

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

Updated February 29th, 2020
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee
No items match the given criteria.

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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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Credit Cards Comparison

Updated February 29th, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Get 0% interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
Latitude 28° Global Platinum Mastercard
21.99% p.a.
$0 p.a.
Save with 0% foreign transaction fees on purchases. Plus, complimentary flight delay passes and a global wifi access.
Qantas American Express Ultimate Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$450 p.a.
Get 100,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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