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.

flybuys Credit Cards Comparison

Rates last updated May 1st, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Coles No Annual Fee MasterCard
Pay no annual fee for the life of the card and enjoy up to 62 interest-free days on purchases.
19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
Coles Rewards MasterCard
Earn 2 flybuys points for every $1 spent and pay no foreign transaction fees on online and international purchases.
19.99% p.a. 0% p.a. for 6 months $89 p.a. Go to site More info
Coles Platinum No Annual Fee MasterCard
Enjoy platinum benefits and no annual fee for the life of the card, plus earn 1 flybuys point for every $2 spent.
19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
Coles Platinum Rewards MasterCard
Enjoy 2 flybuys points for every $1 spent and pay a low annual fee.
19.99% p.a. 0% p.a. for 6 months $89 p.a. Go to site More info

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 1 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?


  • Earn points as you spend. flybuys-linked credit card will reward your everyday credit card spending. Plus, if you’re shopping with a flybuys partner, you can earn double the flybuys points by tapping your flybuys loyalty card at the checkout as well as spending with your credit card.
  • Instantly convert points to cash. With flybuys-linked Coles credit cards, you can instantly convert 2,000 flybuys points into $10 off your next shop at any Coles store.
  • Free membership. Certain frequent flyer programs require that you pay a registration or annual fee, but the flybuys program doesn’t charge such a fee. Please note that your credit card may come with an annual fee, though.
  • Get more than flights. You can redeem your flybuys points for more than flight rewards. You can also get gift cards, convert your points to cash, or choose from an array of merchandise.
  • Convert points into frequent flyer points. If you’d prefer, you can also transfer your flybuys points to an Etihad Guest Miles or Virgin Velocity frequent flyer account.
  • Enjoy bundled discounts. With attractive incentives to spend within the large network of flybuys partners, you can save money or earn multiple flybuys points by taking up exclusive partner promotions.


  • Few linked credit cards. Not many cards are directly linked to the flybuys program, which limits your choices to a few card providers.
  • Higher annual fee for faster earn rate. The Coles Rewards MasterCard charges an $89 p.a. annual fee to earn 2 points for every $1 spent, compared to the Coles No Annual Fee MasterCard which lets you earn 1 points per $2 spent.
  • Limited travel benefits. You may be disappointed if you’re looking for benefits like priority check-ins, travel insurance cover and lounge access. Unlike traditional frequent flyer programs, flybuys doesn’t directly offer these.
  • Restrictions. flybuys customers are limited to earning points only with partner merchants, so you’ll want to make sure that their network of partner stores caters for your existing spending habits
  • Expiry. flybuys points and dollars will expire if you fail to earn or redeem points for 12 consecutive months.

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.

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.
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48 Responses to How to earn flybuys points with your credit card

  1. Default Gravatar
    JANICE | October 27, 2016

    I belong to Virgin Velocity and also Coles Flybuys and I would like to know how I transfer points from Flybuys to Virgin, thanks.

    • Staff
      Anndy | October 28, 2016

      Hi Janice,

      Thanks for your question.

      To convert your Flybuys points to Velocity Frequent Flyer points, you need to link your memberships through this page.

      Once successfully linked, you can already transfer your Flybuys points to Velocity Points by visiting the rewards section on the Flybuys website.


  2. Default Gravatar
    Allan | February 23, 2016

    Who can I book a plane flight with that accepts Fly Buy points as payment,no longer available with Webjet

    • Staff
      Sally | February 23, 2016

      Hi Allan,

      Thanks for your question.

      You can redeem your flybuys points for flights with Etihad Airways.

      For more information on how you can do this, please see this guide.

      I hope this has helped.



  3. Default Gravatar
    | February 5, 2016

    Can I transfer my fly buyers point to my husband Qantas frequent flyers card

    • Staff
      Jonathan | February 8, 2016

      Hi Colleen, thanks for your inquiry!

      Unfortunately transferring flybuys points is not a supported feature.



  4. Default Gravatar
    tess | June 24, 2015

    How do I t/f points into money off my next Coles bill. Can you do this for me?

    • Staff
      Sally | June 24, 2015

      Hi Tess,

      Thanks for your question.

      Just to confirm, you have come through to, not Coles or flybuys. As such, we’re unable to access or manage your flybuys account.

      You can get money off your next Coles shop by following these instructions:
      1. Make sure you are signed into your account before turning your points into flybuys Dollars.
      2. Once you’re logged in to your online account, click ‘Redeem Now’ and complete the requested info – including your 4-digit PIN.
      3. Select how many points you want to convert into flybuys Dollars.
      4. Present your flybuys card when you’re next at Coles, let the team member at the checkout know you’d like to pay with flybuys Dollars. Enter the amount of flybuys Dollars you’d like to spend, swipe your card and enter your PIN.

      I’ve sent you an email with the link to the flybuys sign in page.

      I hope this has helped answer your question.



  5. Default Gravatar
    Tiara | May 6, 2015

    Can I pay part debit and part flybuy points through webjet or Travelworld for flights?

    • Staff
      Jonathan | May 7, 2015

      Hi Tiara, thanks for your inquiry!

      Part payments with flybuys points and card are eligible with Webjet. It would be best to contact Travelworld directly as transactions/ flight bookings are made through a travel agent.



  6. Default Gravatar
    Geoffrey | May 5, 2015

    Good afternoon. Is it possible for flybuys to be donated to a charity of one’s choice? Can the charity then redeem them for cash?

    Kind regards


    • Staff
      Jonathan | May 5, 2015

      Hi Geoffrey, thanks for your inquiry!

      Flybuys has a range of charity partners who you can donate points to by entering the flybuys Rewards website, pressing ‘Money off shop’ and then ‘Help Our Charity Partners’.



  7. Default Gravatar
    Pip | April 19, 2015

    1.Can I convert my flybuys points I gained using an ANZ visa credit card to Qantas frequent flyer points? If so, how?
    2. If I want to donate my flybuys points to charity, how do I do this?


    • Staff
      Jonathan | April 20, 2015

      Hi Pip, thanks for your inquiry!

      Unfortunately Flybuys points do not currently convert to Qantas Frequent Flyer points, although Flybuys points can be converted to flights by booking them through Webjet. Flybuys has a range of charity partners who you can donate points to by going through the flybuys Rewards website, entering ‘Money off shop’ and then ‘Help Our Charity Partners’.



  8. Default Gravatar
    Daniel | April 9, 2015

    How do I link my flybuys card to my Qantas frequent flyer account?

    • Staff
      Jonathan | April 9, 2015

      Hi Daniel, thanks for your inquiry!

      Unfortunately the flybuys program currently does not have a partnership link with Qantas Frequent Flyers. For a list of Qantas Frequent Flyer cards please see this page.



  9. Default Gravatar
    Christine | March 11, 2015

    how many flybuys do I need to fly return to melbourne From cairns

    • Staff
      Jonathan | March 11, 2015

      Hi Christine, thanks for your inquiry!

      The flybuys points required for a return flight to Melbourne from Cairns varies from approximately 30,000 points economy to 280,000 points for business flights. It would be best to check on the Webjet Travel website, who is the official flight partner with flybuys. On the website you can enter your desired flight and have the fares displayed in flybuys points.



  10. Default Gravatar
    deborah | March 5, 2015

    Can you use coles supermarket fly buy points to travel to fiji?

    • Staff
      Jonathan | March 6, 2015

      Hi Deborah, thanks for your inquiry!

      Flybuys points can be redeemed through its flight partner Webjet. Flights to Fiji are eligible.



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