flybuys-image-logo

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.

coles-flybuys-points-image

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.

flybuys-extra-points-image

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?

sepia-hand-creditcard-Shutterstock

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?

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 an $99 p.a. annual fee to earn 2 points for every $1 spent, compared to the Coles No Annual Fee Mastercard which lets you earn 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.

Compare credit cards that earn flybuys points

Rates last updated December 14th, 2017
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
Coles Rewards Mastercard
flybuys
2
19.99% p.a.
$99 p.a.
Earn 2 flybuys points for every $1 spent, pay no foreign transaction fees and receive $100 off a single Coles Supermarket shop.
Coles No Annual Fee Mastercard
flybuys
0.5
19.99% p.a.
$0 p.a.
Receive $100 off a single Coles Supermarket shop if you apply, are approved and make an eligible purchase within the first 30 days.
Coles Low Rate Mastercard
flybuys
0.5
12.99% p.a.
$58 p.a.
A low rate card offering $100 off a single Coles Supermarket shop if you apply, are approved and make an eligible purchase within the first 30 days.
Coles Platinum Rewards Mastercard
flybuys
2
19.99% p.a.
$99 p.a.
Earn 2 flybuys points for every $1 spent and receive $100 off a single Coles Supermarket shop with a low annual fee. Plus, a higher credit limit.
Coles Platinum No Annual Fee Mastercard
flybuys
0.5
19.99% p.a.
$0 p.a.
Receive $100 off a Coles Supermarket shop if you apply, are approved and make an eligible purchase in the first 30 days. Plus, a higher credit limit.
Coles Platinum Low Rate Mastercard
flybuys
0.5
12.99% p.a.
$58 p.a.
Get $100 off a Coles Supermarket shop if you apply, are approved and make an eligible purchase in the first 30 days. Plus, a higher credit limit.

Compare up to 4 providers

Frequently asked questions

Back to top
Was this content helpful to you? No  Yes

Related Posts

NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99
Woolworths Everyday Platinum Credit Card
Woolworths Everyday Platinum Credit Card

Interest rate

19.99

Annual fee

49
Virgin Money Low Rate Credit Card
Virgin Money Low Rate Credit Card

Interest rate

11.99

Annual fee

49

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

48 Responses

  1. 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.

    • Staff
      AnndyOctober 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 this page.

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

      Cheers,
      Anndy

  2. 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

    • Staff
      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

  3. Default Gravatar
    February 5, 2016

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

    • Staff
      JonathanFebruary 8, 2016Staff

      Hi Colleen, thanks for your inquiry!

      Unfortunately transferring flybuys points is not a supported feature.

      Cheers,

      Jonathan

  4. Default Gravatar
    tessJune 24, 2015

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

    • Staff
      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

  5. Default Gravatar
    TiaraMay 6, 2015

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

    • Staff
      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

  6. Default Gravatar
    GeoffreyMay 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

    Geoffrey

    • Staff
      JonathanMay 5, 2015Staff

      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’.

      Cheers,

      Jonathan

  7. Default Gravatar
    PipApril 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?

    Thanks!

    • Staff
      JonathanApril 20, 2015Staff

      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’.

      Cheers,

      Jonathan

  8. Default Gravatar
    DanielApril 9, 2015

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

    • Staff
      JonathanApril 9, 2015Staff

      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.

      Cheers,

      Jonathan

  9. Default Gravatar
    ChristineMarch 11, 2015

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

    • Staff
      JonathanMarch 11, 2015Staff

      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.

      Cheers,

      Jonathan

  10. Default Gravatar
    deborahMarch 5, 2015

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

    • Staff
      JonathanMarch 6, 2015Staff

      Hi Deborah, thanks for your inquiry!

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

      Cheers,

      Jonathan

Ask a question