Flybuys credit cards

Flybuys is a popular rewards program in Australia that's best known for partnerships with Coles and retailers including Target, Kmart, Liquorland and Bunnings. There is also a range of credit cards that let you earn Flybuys points directly or through point transfers, including Coles Mastercard credit cards and Citi Rewards cards.

Coles Credit Card Offer

Coles No Annual Fee Mastercard

Receive 20,000 bonus Flybuys points
Ongoing $0 annual fee

Offer ends 31 January 2024

Eligibility criteria, terms and conditions, fees and charges apply

Coles Credit Card Offer

Earn 20,000 bonus Flybuys points when you meet the requirements. Plus 0% p.a. on purchases for 6 months.

• 20,000 bonus Flybuys points when you spend $3,000 on eligible purchases in the first 90 days
• 0% interest on purchases for the first 6 months
• Ongoing $0 annual fee
• Earn Flybuys points per $1 spent on eligible purchases
• Compatible with Apple Pay and Samsung Pay

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Compare Flybuys credit cards

These cards earn Flybuys points directly or points that can be converted to Flybuys.

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Name	Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
Coles No Annual Fee Mastercard Flybuys	Bonus points 20,000	Points per $ spent 0.5	Purchase rate p.a. 0% for 6 months, then 19.99%	Annual fee $0	Go to siteMore Info Compare	Get 20,000 bonus Flybuys points (worth $100 Flybuys Dollars) and 0% interest on purchases for the first 6 months.
Citi Premier Card - Cashback Offer Citi Rewards Program	Bonus points N/A	Points per $ spent 1	Purchase rate p.a. 21.49%	Annual fee $300	More Info Compare	Receive $600 cashback when you spend $2,000 through Apple Pay, Google Pay or Samsung Pay in the first 90 days.
Citi Rewards Card - Flybuys Offer Citi Rewards Program	Bonus points 100,000	Points per $ spent 1	Purchase rate p.a. 0% for 6 months, then 21.49%	Annual fee $199	More Info Compare	Get 100,000 bonus Flybuys points (worth $500 Flybuys dollars) when you spend $5,000 in the first 90 days. Plus, 0% p.a. interest rate on purchases for 6 months.
Citi Rewards Card - Velocity Points Offer Velocity / Citi	Bonus points 80,000	Points per $ spent 1	Purchase rate p.a. 21.49%	Annual fee $149	More Info Compare	Earn 80,000 bonus Velocity Points when you spend $5,000 in the first 90 days. Plus, complimentary insurance covers.
Citi Premier Card Citi Rewards Program	Bonus points 200,000	Points per $ spent 1	Purchase rate p.a. 21.49%	Annual fee $150 first year ($300 after)	More Info Compare	Up to 200,000 bonus points (150k when you spend $7,000 in the first 90 days and 50k in year 2).
Citi Prestige Card Citi Rewards Program	Bonus points 275,000	Points per $ spent 1	Purchase rate p.a. 21.49%	Annual fee $700	More Info Compare	Get 275,000 bonus Citi Rewards Points, unlimited airport lounge access, hotel perks and complimentary travel insurance.
Coles Low Rate Mastercard Flybuys	Bonus points N/A	Points per $ spent 0.5	Purchase rate p.a. 12.99%	Annual fee $58	More Info Compare	Save with 0% p.a. for 15 months on balance transfers (with a 1.5% BT fee). Plus, earn Flybuys points on Coles spending.
Coles Rewards Mastercard Flybuys	Bonus points 75,000	Points per $ spent 2	Purchase rate p.a. 19.99%	Annual fee $99	More Info Compare	Get 75,000 bonus Flybuys points (worth $375 Flybuys Dollars) and 0% international transaction fees on purchases.

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How can I earn Flybuys points on my credit card?

Currently, Coles Mastercard is the only credit card brand that offers Flybuys points per $1 on your eligible everyday purchases. Here's how many points you'll earn with one of its cards:

• Coles Rewards Mastercard: 2 Flybuys points per $1 on eligible spending up to $3,000 per statement period (1 point per $1 after that).
• Coles No Annual Fee Mastercard: 0.5 Flybuys points per $1 on eligible spending. Points are awarded in whole numbers and rounded down, meaning you earn 1 point per $2 spent with this card.
• Coles Low Rate Mastercard: 0.5 Flybuys points per $1 spent at Coles Supermarkets (earned as 1 Flybuys point per $2).

With a Coles-branded credit card, your Flybuys membership details and barcode are also printed on the back of the card, so you can scan it to earn regular Flybuys points with program partners. This gives you a way to earn points twice when you shop with partners: once through Flybuys and once with your credit card.

Transferring credit card points to Flybuys

If you have a Citi Rewards or Suncorp Rewards credit card, you can transfer points to your Flybuys account. The amount of points you get from a transfer is different with each program, so we've included the key details in a table.

If you're comparing these cards to Coles Mastercard credit cards, both Citi Rewards and Suncorp Rewards offer an equivalent of 0.75 Flybuys points per $1 of eligible spending.

What is eligible spending?

Every credit card has its own definition of what transactions are and aren't eligible to earn points. But you'll typically earn points for everyday transactions including supermarket shopping, petrol, dining, subscriptions and travel bookings.

Transactions that don't usually earn points include balance transfers, account fees and charges and government spending. You can check the rewards program terms and conditions for your credit card, or ask the provider to find out if specific transactions will or won't earn points.

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.

But to give you an idea, with an average credit card monthly spending of $2,100 you could earn between 1,050 and 4,200 Flybuys points per month. That works out to between 12,600 and 50,400 Flybuys points per year from credit card spending.

If you redeemed these points for Flybuys dollars, you could get $60 to $250 off your shop at Coles or another partner.

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?

In general, the Flybuys program offers a competitive way to be rewarded for your daily expenses. Using a Flybuys credit card on top of that can double or triple your earn rate to maximise your rewards. But make sure you compare your options and ensure that the costs of the card don’t outweigh the Flybuys perks before you apply.

Frequently asked questions

• 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 Coles 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.