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How to earn more points on fuel and groceries with an Amex card

Explore American Express cards that offer higher rates of points per $1 spent at supermarkets and petrol stations.

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Some American Express cards have different reward point earn rates depending on where you use them. Known as a “tiered points structure”, these reward cards often earn greater amounts of points per $1 for spending with major supermarkets and petrol stations, which gives you a way to maximise your rewards on everyday purchases.

But American Express also has specific definitions of which retailers will earn the higher rate of points per $1 spent. Use this guide to find out what’s defined as a major supermarket or petrol station so that you can make the most of an American Express card that offers a tiered point structure.

Which American Express credit cards earn more points for supermarket and petrol station spending?

American Express offers three personal credit cards that earn more points per $1 spent at major supermarkets and petrol stations. You can use the table below to compare these cards based on the earn rates and annual fee:

CardReward programPoints per $1Annual fee
American Express Platinum EdgeMembership Rewards
  • 3 points per $1 at major supermarkets and petrol stations
  • 2 points per $1 spent overseas
  • 1 point per $1 on most other purchases including utilities, insurance (except those issued by American Express), telecommunication providers and government bodies in Australia
$195
David Jones American ExpressMembership Rewards
  • 3 points per $1 at major supermarkets and petrol stations
  • 2 points per $1 at David Jones
  • 1 point per $1 on all other eligible purchases
$99
David Jones American Express PlatinumMembership Rewards
  • 4 points per $1 at David Jones
  • 3 points per $1 at major supermarkets and petrol stations
  • 1 point per $1 on all other eligible purchases
$295

What does American Express define as a “major supermarket”?

If you have one of these Amex cards, you are able to earn the higher point rate for supermarket spending at Coles and Woolworths, as well as at the following participating retailers:

  • Bi-Lo
  • Fishers
  • Food For Less
  • Fresh Provisions
  • Harris Farm Markets
  • IGA
  • Macro Wholefoods
  • Safeway
  • Supabarn
  • Thomas Dux

Note that exceptions may apply if an individual store does not accept American Express as a form of payment.

Earning more points at major supermarkets

pregnant woman grocery shopping

To give you an idea of the potential benefits of this point offer, let’s say you have the American Express Platinum Edge and spend $200 per week at the following supermarkets:

  • Woolworths: $150
  • Foodworks: $50

This card earns 3 points per $1 at major supermarkets, so you would earn 450 points for your spending at Woolworths. As Foodworks is not included in the list of eligible supermarkets outlined by American Express, you would only be able to earn 1 point per $1 for spending there, bringing your weekly total point earnings to 500.

Based on these details, you could earn an additional 100 points per week if you decided to switch to shopping only at Woolworths. Over a year, that would add up to an extra 1,200 points. However, you may want to consider other factors – such as the price of specific products – before choosing to only shop at “major supermarkets”.

What does American Express define as a “major petrol station”?

This definition includes participating BP, Shell and 7-Eleven service stations, as well as the following:

  • Ampol
  • Gull
  • Metro
  • Mobil (only listed for David Jones American Express cards)
  • Peak
  • Safeway Petrol
  • United
  • Woolworths Petrol

As with the “major supermarkets” list, there may be exceptions for any individual petrol stations that do not accept American Express cards and transactions are only eligible for additional points if they are made in Australia.

credit card and blue car

What else do I need to know about earning points at these businesses?

Keep the following details in mind to help you make the most of this feature:

  • Point allocation. It usually takes 24–48 hours for points to show up in your Membership Rewards account.
  • Cash advances. If you use your American Express card to get cash out, pay for gift cards, prepaid cards or any other transaction defined as a cash advance, you won’t earn points on this part of the transaction. So, for example, if you spent $100 on shopping at Coles and requested $50 cash out, you’d only earn points on the $100 worth of shopping. A cash advance fee and the cash advance interest rate would also apply to the cash out amount.
  • Surcharges. Some businesses may apply a surcharge when accepting payments made with an American Express credit card. This is usually worth 2–3% of the total purchase amount, so you may want to factor that in before deciding how you pay for purchases. Note that there is no surcharge at many major retailers, including Coles and Woolworths supermarkets.

These American Express credit cards give you a way to earn more points for two major everyday expenses. So, now that you know what major supermarkets and petrol stations have a higher earn rate, you can maximise your rewards based on how and where you use your card.

Pictures: Shutterstock

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Compare supermarket and petrol credit cards

Data indicated here is updated regularly
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
Coles Rewards Mastercard
N/A
2
19.99% p.a.
$0 annual fee for the first year ($99 p.a. thereafter)
Enjoy $100 off a Coles Supermarket shop and a $0 first-year annual fee. Plus, 0% p.a. on balance transfers for 18 months (1.5% fee applies).
Coles No Annual Fee Mastercard
N/A
0.5
0% for 12 months, reverts to 19.99% p.a.
$0
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Coles Low Rate Mastercard
N/A
0.5
12.99% p.a.
$58
Get a low rate on purchases, $100 off a Coles Supermarket shop and a 0% balance transfer for 6 months. Plus, earn Flybuys points as you spend.
Citi Rewards Card - Flybuys Offer
75,000
flybuys,Citi Rewards Program
1
21.49% p.a.
$49 annual fee for the first year ($149 p.a. thereafter)
Receive 75,000 bonus Flybuys points and a $100 Kmart eGift Card when you meet the spend requirement. Plus, a reduced first-year annual fee.
American Express Platinum Edge Credit Card
N/A
Membership Rewards Ascent
1
20.74% p.a.
$195
Get $150 back when you spend at least $1,500 within the first 3 months. Plus, receive $200 Travel Credit each year. Ends 2 November 2020.
David Jones American Express Card
45,000
Membership Rewards
1
20.74% p.a.
$99
Not just for David Jones shoppers, receive 45,000 bonus Membership Rewards Points or 22,500 Qantas Points on eligible spend. Ends 1 Nov 2020.
David Jones American Express Platinum Card
30,000
Membership Rewards
1
20.74% p.a.
$295
DJ's shoppers and Qantas travellers earn 30,000 bonus Membership Rewards Points or 15,000 Qantas Points on eligible spend.
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Data indicated here is updated regularly
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
American Express Platinum Edge Credit Card
N/A
Membership Rewards Ascent
1
20.74% p.a.
$195
This card earns 3 Membership Rewards points per dollar spent on fuel purchases at major petrol outlets.
David Jones American Express Card
45,000
Membership Rewards
1
20.74% p.a.
$99
The AMEX David Jones Credit Card gives you 2 points per dollar spent on fuel purchases at major petrol stations.
David Jones American Express Platinum Card
30,000
Membership Rewards
1
20.74% p.a.
$295
DJ's shoppers and Qantas travellers earn 30,000 bonus Membership Rewards Points or 15,000 Qantas Points on eligible spend.
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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
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 and Citi Rewards.
Coles No Annual Fee Mastercard
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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