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Flybuys Credit Cards

Want to earn more Flybuys points with a credit card? Compare your options here.

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Amy Bradney-George

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Sally McMullen
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Flybuys may be best known for its partnership with retailers like Coles, Target, Kmart and Liquorland. But there are also a few credit cards that give you a way to earn more Flybuys points.

This includes Coles credit cards, as well as Citi Rewards cards that let you transfer your points to Flybuys. You can use this guide to compare current Flybuys credit card offers and weigh up the pros and cons to decide if you want to apply for one.

Citi Credit Card Offer

Citi Rewards Card - Points & Gift Card Offer

Earn 90,000 bonus Citi Rewards Points
$100 Coles eGift Card

Offer ends 31 October 2021

Eligibility criteria, terms and conditions, fees and charges apply

Citi Credit Card Offer

Reward yourself with 90,000 Citi rewards Points (worth $400 in gift cards) and a $100 Coles eGift Card when you spend $3,000 in the first 90 days of approval.

  • $49 first-year annual fee ($149 p.a. thereafter)
  • Purchase interest rate: 21.49% p.a. | Up to 55 days interest-free period
  • 0% p.a. on balance transfers for 15 months with no balance transfer fee, reverts to 22.24% p.a.
  • Earn 1 point per $1 on eligible domestic and international spend.
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Compare Flybuys credit cards

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

Data updated regularly
Name Product Purchase rate Annual fee Minimum income
Coles Rewards Mastercard
Coles Rewards Mastercard
19.99% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
$25,000
Get 40,000 bonus Flybuys Points or $200 off a Coles Supermarket shop, a $0 first-year annual fee and a 14-month balance transfer.
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Coles No Annual Fee Mastercard
Finder Award
Coles No Annual Fee Mastercard
19.99% p.a.
$0
$25,000
Get $100 off a Coles Supermarket shop when you spend at least $1,500 in the first 60 days. Plus, a 0% balance transfer offer.
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Citi Rewards Card - Points & Gift Card Offer
Citi Rewards Card - Points & Gift Card Offer
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
$35,000
Receive 90,000 bonus Citi reward Points (worth $400 in gift cards) and a $100 Coles eGift Card when you spend $3,000 in the first 90 days.
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Citi Rewards Card - Balance Transfer Offer
Citi Rewards Card - Balance Transfer Offer
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
$35,000
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee.
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Citi Premier Card
Citi Premier Card
21.49% p.a.
$150 annual fee for the first year ($300 p.a. thereafter)
$75,000
Enjoy 130,000 bonus points (worth $450 in eGift cards) when you spend $4,000 within the first 90 days. Plus, a first-year annual fee discount.
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Compare up to 4 providers

How can I earn Flybuys on my credit card?

Currently, Coles Mastercard is the only credit card brand that lets you directly earn Flybuys points on your eligible everyday purchases. To start earning points with one of these cards, you just need to provide your Flybuys membership number when you apply. Your membership details and barcode are then printed on your credit card.

The number of Flybuys points you earn per $1 spent on a Coles Mastercard credit card ranges from 0.5 point per $1 spent on the Coles No Annual Fee Mastercard to up to 2 points per $1 spent on the Coles Rewards Mastercard.

Transferring credit card reward points to Flybuys

If you have a Citi credit card linked to the Citi Rewards program, you can also transfer your Citi Reward Points to Flybuys. With this option, you get a transfer rate of 1.33 Citi Rewards to 1 Flybuys point. This is gives you an equivalent earn rate of about 0.75 Flybuys points per $1 spent (assuming you transferred all your Citi Rewards Points to Flybuys).

Depending on the credit card, you could also get thousands of Flybuys points when you sign up for a new card with an introductory bonus points offer and meet the spend requirements.

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

sepia image with hand credit card and laptop

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 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?

Pros

  • 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.

Cons

  • 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 a $99 annual fee to earn up to 2 points for every $1 spent, compared to the Coles No Annual Fee Mastercard which lets you earn 0.5 points per $1 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

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48 Responses

    Default Gravatar
    JANICEOctober 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.

    Reply
      Avatarfinder Customer Care
      DeeOctober 28, 2016Staff

      Hi Janice,

      Thanks for your question.

      To convert your Flybuys points to Velocity Frequent Flyer points, you need to link your memberships through the flybuys and Velocity website.

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

      Cheers,
      Anndy

      Reply
    Default Gravatar
    AllanFebruary 23, 2016

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

    Reply
      Avatarfinder Customer Care
      SallyFebruary 23, 2016Staff

      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.

      Cheers,

      Sally

      Reply
    Default Gravatar
    ColleenFebruary 5, 2016

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

    Reply
      Avatarfinder Customer Care
      JonathanFebruary 8, 2016Staff

      Hi Colleen, thanks for your inquiry!

      Unfortunately transferring flybuys points is not a supported feature.

      Cheers,

      Jonathan

      Reply
    Default Gravatar
    tessJune 24, 2015

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

    Reply
      Avatarfinder Customer Care
      SallyJune 24, 2015Staff

      Hi Tess,

      Thanks for your question.

      Just to confirm, you have come through to finder.com.au, 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.

      Thanks,

      Sally

      Reply
    Default Gravatar
    TiaraMay 6, 2015

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

    Reply
      Avatarfinder Customer Care
      JonathanMay 7, 2015Staff

      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.

      Cheers,

      Jonathan

      Reply
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