How to earn flybuys points with your credit card

Turn your purchases into rewards with a credit card that directly earns flybuys points.

If you have ever shopped at Coles or filled up your car with fuel at a Coles Shell Express station before, you’ve probably also heard of the flybuys loyalty program. This Coles rewards program is easily one of Australia’s largest and most popular loyalty programs with its hybrid supermarket-slash-frequent flyer rewards program and extensive network of partners across almost every industry. The flybuys program regularly offers cross-promotions with its partners, introduces new ways to earn reward and bonus points and increases the ways you can redeem them. Best of all, it’s free to sign up. Plus, you can earn flybuys points beyond Coles and its partners if you sign up for a credit card that’s linked with the flybuys program.

If you already have a flybuys account or are considering signing up, this guide will teach you how you can earn more flybuys points with a credit card and discuss the pros and cons of using a flybuys credit card.

How can I earn flybuys on my credit card?

Currently, Coles and NAB are the only credit card issuers that offer products that let you directly earn flybuys points on your eligible everyday purchases. When you get one of these credit cards, your credit card account is linked to your flybuys account and flybuys points are directly credited for eligible transactions charged to the card. The number of flybuys points you earn per $1 spent, or your earn rate, ranges from point per $2 spent on the Coles No Annual Fee Mastercard to 2 points per $1 spent on the Coles Platinum Rewards Mastercard or Coles Rewards Mastercard. The more common and median earn rate is 1 flybuys point per $1 spent.

However, you can also earn extra (or double) flybuys points by tapping your flybuys membership card at the checkout at the same time. With your flybuys membership card, you earn 1 point per $1 spent, which means that if you use a Coles Platinum Rewards Mastercard and tap your flybuys card when making a purchase, you will earn 2 flybuys points per $1 spent.

The requirements pertaining to card membership, additional cardholders and eligible transactions differ with each credit card and card provider, so follow the individual credit card links to learn more about each card, its features and eligibility requirements.

How can I redeem my flybuys points earned with my credit card?

In the same way that you’d track and manage the flybuys points earned using a flybuys loyalty card, the flybuys points earned with your credit card can be accessed and redeemed online via the flybuys website. Simply sign in to your flybuys account, shop for your rewards and follow the prompts to finalise your redemption. You can redeem flybuys points for credit off your next shop, or for merchandise, entertainment tickets, flights and hotels, and even transfer them to partner frequent flyer programs like Etihad Guest and Velocity Frequent Flyer. Alternatively, you may request a redemption 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. However, make sure that you compare your options and ensure that the costs of the card don’t outweigh the flybuys perks before you apply.

Compare credit cards that earn flybuys points

Frequently asked questions

• How quickly do points get to my account?

  When you shop at major flybuys retail partners you can expect the points to be credited in a day or two. Otherwise, the process can take from one week up to four weeks.

• How can I add a cardholder?

  You can add a cardholder online by signing in to your flybuys account. Go to “My account” and then click the “+” button on your Account Overview page.

• 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 (including BI-LO), Shell Coles Express, Liquorland, Target, Kmart, Kmart Tyre & Auto Service and First Choice Liquor.

• I’ve lost my card... How do I get a new one?

  If you want to order a replacement card, call the flybuys Service Centre on 13 11 16. Alternatively, you can log in online: go to “My Account” and request a replacement card for the specific cardholder by selecting their profile and choosing that option.

• How can I check my points balance?

  There are several ways to check your points balance: by downloading the flybuys toolbar which displays your flybuys points balance while you’re surfing the Internet, by downloading the flybuys app for both Apple and Android devices, or by logging into your flybuys account through the flybuys website.

• 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 into 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.