How to earn credit card rewards faster with bonus partners

Information verified correct on December 11th, 2016

Shop with credit card rewards bonus partners and you can earn points at double or triple your credit card earn rate.

The biggest rewards and loyalty schemes in Australia give you many chances to grow your rewards points balance, including when you shop with bonus partners. Here, we have put together a list of credit card rewards program bonus partners so you can easily see where to shop and earn big.

How to earn bonus points with partners?

If you’re a member of any of the following credit card rewards programs, you will earn bonus points when you use your rewards or frequent flyer credit card to make eligible purchases at participating merchants. Read on to find out how these partnerships work and to discover how you could bolster your points balance.

woolworths logoWoolworths Rewards

As of 31 August 2016, Woolworths Rewards members have a few more options when it comes to earning and redeeming rewards. You can now earn one Woolworths Rewards point per $1 spent on eligible purchases at Woolworths supermarkets, Woolworths online, BWS and Caltex Woolworths fuel outlets rather than exclusively on orange-ticketed items. When you reach 2,000 points, you can receive $10 off your next shop. If you'd rather turn your Woolworths Points into flight rewards, you can convert the points to Qantas Points in amounts of 2,000 Woolworths Rewards for 870 Qantas Points. This is an earn rate of 0.43 Qantas Points per $1.

If you want to earn even more points on your credit card at Woolworths, you could also consider using a Woolworths Money Everyday Platinum credit card or Woolworths Money Qantas Platinum credit card. Both of these cards let you earn 1 rewards point for every $1 spent on eligible purchases, meaning you could double your rewards if you used both a Woolworths credit card and your Woolworths Rewards loyalty card when shopping at the supermarket and with its partners.

See how much you can save with our Woolworths discount codes
flybuys logoflybuys

flybuys is one of the largest loyalty programs in Australia and has a huge number of bonus partners where you can shop and rack up extra points. flybuys gives you opportunities to earn up to 7 flybuys points per $1 spent when you shop at Coles or make a purchase with a partner. Coles Insurance customers can also earn points for their cover. Check out the range of partners and ways to earn bonus flybuys points below.

Bonus PartnersEarn Rate
  • Coles Prepaid Cards
Get 0.5 flybuys points for every $1 you spend using Coles Prepaid cards.
  • Flybuys eShops
  • Flybuys Travel
  • Coles
  • Coles Express
  • Coles Insurance
  • Kmart
  • Kmart Tyre & Auto Service
  • LiquorLand
  • AGL
  • Etihad
  • First Choice Liquor
  • Target
  • NAB
  • OPSM
  • Kleenheat
  • Weight Watchers
Get 1 bonus flybuys point for every $1 spent using your Coles Rewards MasterCard or flybuys card.
  • Coles credit cards
  • Goodlife Health Clubs
Get 2 bonus flybuys points per $1 spent using your Coles Rewards Credit Card or flybuys card.
  • Adidas
  • Telstra
  • Budget
Get 2 bonus flybuys points per $1 spent using your Coles Rewards Credit Card or flybuys card.
  • Fitbit
Get up to 10 bonus flybuys points per $1 spent.
  • Flybuys dining
Get 500 bonus flybuys points when you book and dine at a participating flybuys dining restaurant.
  • ahm (MediBank)
Get up to 50,000 bonus flybuys points for family and couples and up to 25,000 bonus flybuys points for singles when you take out insurance.
  • Garmin
Get 10 points when you track 10,000 steps using your Garmin pedometer and you’re a member of Medibank.

Both Coles and NAB offer flybuys rewards credit cards. The difference between the two financial institutions is Coles offers 2 flybuys points per $1 spent on the Coles Rewards MasterCard and NAB offer 1 flybuys point per $1 spent using the NAB flybuys Rewards card. These cards are the top tier flybuys rewards products from Coles and NAB.

citi logoCitibank

Citibank has a huge number of bonus partners that are ideal for jetsetters. Use your Citibank Rewards credit card for purchases at Citibank partner hotels and shops and you get bonus points for every dollar you spend.

Bonus PartnersEarn rate
HotelsWill earn 3 bonus points when you use your Citibank rewards credit card to make purchases at the any of the following merchants.
  • Royal Mail Hotel
  • The Southern Cross Collection
  • Park Regis Hotels
  • Leisure Inn Hotels and Suites
  • Dolphin Island
  • Huka Lodge
  • Grande Provence Estate
  • Entrance Accommodation at Ocean Front
  • The Castlereagh Boutique Hotel
  • The Retreat Port Stephens
  • Cumberland Resort & Spa
  • Berry Village Boutique Motel
  • Karinga Motel
  • Golden Age Motor Inn
  • Vulcan Hotel
  • Oceanside Hawks Nest
  • Mantra Quayside
  • Pokolbin Village Accommodation
  • Coogee Sands Hotels & Apartments
  • The Grace Hotel
  • Jesmond Executive Apartments
  • Cardiff Executive Apartments
  • Honeysuckle Executive Apartments
  • Bluegum Apartments
  • Barringtons Country Retreat
  • Rest Point Motor Inn
  • Queensgate Motel
  • Country Comfort Armidale
  • Rae’s On Wategos
  • Robyns Nest Boutique Resort
  • Sapphire Waters Motor Inn
  • Fraser Suites - Sydney
  • Paperbark Camps
  • Pegasus Motel
  • The Peak at Thredbo
  • Station Motel
  • Astina Serviced Apartments
  • Byron Beachside Accommodation
  • Alexander Motor Inn Moree
  • Hotel Canberra
  • Forrest Hotel and Apartments
  • Grand Manor Motor Inn
  • Alatai Holiday Apartments
  • Hiway Inn Motel
  • Chifley Alice Springs Resort
  • Darwins Barra Base
  • The Hotel Charsfield
  • Yering Gorge Cottages and Nature Reserve
  • Seafarers Getaway
  • Sanctuary House Resort
  • Healesville Garden Accommodation
  • Crossley Hotel
  • Greensborough Motor Inn
  • Fraser Place Melbourne
  • Seymour's on Lydiard
  • Country Comfort Mildura
  • Silverwater Resort
  • Fraser Suites Perth
  • Metung Holiday Villas
  • Holgate Brewhouse
  • Chestnut Tree Holiday Units
  • Astra Alpine Lodge
  • Fitzroy Island Resort
  • Longreach Motor Inn
  • Narrows Escape Rainforest Retreat
  • Rainbow Getaway Resort
  • Ayr Travellers Motel
  • AiroLodge International
  • Andari Apartments
  • Ambassador Motel
  • Emerald Inn
  • Bel Air on Broadbeach
  • Amaroo on Trinity
  • Silky Oaks Lodge
  • Chiefly Plaza Townsville
  • Ocean Boulevard
  • The Edge Apartments
  • Sanctuary Lake
  • Eumarella Shores Noosa Lake Retreat
  • Coral Sands Motel
  • Coolum Seaside Apartments
  • Hidden Valley Eco Lodges
  • The Mangrove Resort Hotel
  • Barclay Motor Inn
  • Karijini Eco Retreat
  • Balingup Hillview Retreat
  • Pink Lake Tourist Park
  • Margarets Beach Resort
  • The Sebel Mandurah
  • Red Feather Inn
  • Quamby Estate
  • Bruny Island Accommodation
  • Opal Inn
  • Manor Estate
  • Kangaroo Island Seaview Motel
  • Thorn Park in the City
  • Thorn Park on the Island
  • Thorn Park by the Vines
Bonus PartnersEarn Rate
Shopping

  • Bockers & Pony
  • Bose
Will earn three bonus points when you use your Citibank rewards credit card to make purchases at the any of the following merchants.
Leisure and entertainment

  • Red Balloon
  • Alatai Holiday Apartments
Will earn three bonus points when you use your Citibank rewards credit card to make purchases at the any of the following merchants.
Automotive

  • Wilson Parking
  • Europcar
Will earn three bonus points when you use your Citibank rewards credit card to make purchases at the any of the following merchants.

commbank logoCommBank

CommBank is partnered with some of Australia’s favourite brands. Use your CommBank Awards credit card to make purchases at bonus partners and get an extra Awards Point on top of the normal earn rate. Make a booking through hotel website Kaligo.com and you can earn an extra 15 CommBank Awards Point for every $1 you spend.

Bonus PartnersEarn Rate
  • Adairs
  • Bob Jane T-Marts
  • Crown Metropol
  • Crown Promenade
  • Crown Towers
  • Hoyts
  • Magshop
  • Napoleon Perdis
  • Prouds the Jewellers
  • RedBalloon
  • Thrifty
  • Village Cinemas Australia
Get 1 bonus CommBank Awards Point for every $1 spent.
  • Rendezvous Hotels & Resorts International
Get 2 bonus CommBank Awards Points for every $1 spent.
Get 15 bonus CommBank Awards Points for every $1 spent.

anz logoANZ Rewards

ANZ Rewards Points can be redeemed for flights, package holidays, charitable donations, gift cards, experiences, electronics, and cashback. As well as all these ways to use your points, ANZ gives you plenty of chances to earn extra points with bonus partners. Although ANZ has fewer bonus partners compared to the Commonwealth Bank, the two institutions do share some of the same bonus partners. Note that no bonus points are awarded for purchases made using the ANZ Black credit cards.

Bonus PartnersEarn Rate
  • ANZ Travel Rewards
  • Adairs
Get 1 bonus ANZ Rewards Point for every $1 spent.
  • Hoyts
Get 1.5 bonus ANZ Rewards Points for every $1 spent using ANZ Rewards Visa products only.
  • Stamford Hotels and Resorts
Get 2 bonus ANZ Rewards Points for every $1 spent.
  • Dreamworld
  • White Water World
  • Prouds the Jewellers
Get 2.5 bonus ANZ Rewards Points for every $1 spent.
  • ACE Insurance
Get 5 bonus ANZ Rewards Points for every $1 spent using ANZ Rewards Visa cards only.

altitude logoAltitude Rewards

The Westpac Altitude Rewards program has an extensive list of hotels as bonus partners. You can also rack up extra points going to the movies at Hoyts, buying drinks from Cellarmasters or getting phone products from Fone Zone. Unlike some of the other rewards program travel services, you only get 0.33 Altitude Rewards points for every $1 spent. The bonus points earn rate also depends on the Altitude Rewards credit card you have.

 Earn rate
Altitude1 point: Get 1 bonus Altitude Rewards point for every $1 spent at:

    • Best Western
    • Cellarmasters
    • Crown Metropol Melbourne
    • Crown Metropol Perth
    • Crown Promenade Melbourne
    • Crown Promenade Perth
    • Crown Towers
    • Fone Zone
    • Hoyts
    • Metro Hotels
    • Park Regis Hotels
    • Wine Direct

0.3 points: Get 0.3 bonus Altitude Rewards point for every $1 spent at:

    • Altitude Travel
Altitude Platinum3 points: Get 1 bonus Altitude Rewards for every $1 spent at:

    • Hoyts
    • Leisure Inn Hotels and Suites
    • Park Regis Hotels
    • The Southern Cross Collection
    • Wine Direct

1 point: Get 1 bonus Altitude Rewards point for every $1 spent at:

    • Best Western
    • Cellarmasters
    • Fone Zone
    • Metro Hotels

0.3 points: Get 1 bonus Altitude Rewards point for every $3 spent: at

    • Altitude Travel
Altitude Platinum Plus3 points: Get 3 bonus Altitude points per $1 spent at:

    • Crown Metropol Melbourne
    • Crown Metropol Perth
    • Crown Promenade Melbourne
    • Crown Promenade Perth
    • Crown Towers
    • Hoyts
    • Leisure Inn Hotels and Suites
    • Park Regis Hotels
    • The Southern Cross Collection
    • Wine Direct

1 point: Get 1 bonus Altitude Rewards points per $1 spent at:

    • Best Western
    • Cellarmasters
    • Fone Zone
    • Metro Hotels

Get 0.3 points: Get 0.3 points per $1 spent at:

    • Altitude Travel
Altitude Black3 points: Get 3 bonus Altitude Rewards points for every $1 spent at:

    • Fraser Place Melbourne
    • Crown Promenade Melbourne
    • Crown Metropol Perth
    • Fraser Suites Perth
    • Crown Promenade Perth
    • Fraser Suites Sydney
    • Hoyts
    • Leisure Inn Hotels Suites
    • Park Regis Hotels
    • Raes on Watego
    • The Southern Cross Collection
    • Thorn Park by the Vines
    • Thorn Park in the City
    • Thorn Park on the Island
    • Wine Direct

1 point: Get 1 bonus Altitude Rewards Point for every $1 spent at:

    • Best Western
    • Cellarmasters
    • Fone Zone
    • Metro Hotels
    • Best Western

0.3 points: Get 1 bonus Altitude Rewards point for every $3 spent at:

    • Altitude Travel
Altitude Business3 points: Get 3 bonus Altitude Rewards points for every $1 spent at:

    • Park Regis Hotels

1 point: Get 1 bonus Altitude Rewards point for every $1 spent at:

    • Wine direct
    • Metro Hotels
    • Fone Zone
    • Crown Promenade Perth
    • Crown Promenade Melbourne
    • Crown Metropol Perth
    • Crown Metropol Melbourne
    • Crown Events and Conferences
    • Cellarmasters
    • Best Western
Altitude Business Gold3 points: Get 3 bonus Altitude Rewards points for every $1 spent at:

    • Wine Direct
    • The Southern Cross Collection
    • Park Regis Hotels
    • Hoyts
    • Crown Promenade Perth
    • Crown Metropol Perth
    • Crown Events and Conferences

1 point: Get 1 bonus Altitude Rewards point for every $1 spent at:

    • Metro Hotels
    • Fone Zone
    • Crown Promenade Melbourne
    • Crown Metropol Melbourne
    • Cellarmasters
    • Best Western

0.3 points: Get 1 bonus Altitude Rewards point for every $3 you spent at:

    • Altitude Travel
Altitude Business Platinum3 points: Get 3 bonus Altitude Rewards points per $1 spent at

    • Wine Direct
    • The Southern Cross Collection
    • Park Regis Hotels
    • Leisure Inn Hotels and Suites
    • Hoyts
    • Crown Metropol Perth
    • Crown Events and Conferences

1 point: Get 1 bonus Altitude Rewards point per $1 spent at

    • Crown Metropol Perth
    • Metro Hotels
    • Fone Zone
    • Crown Towers
    • Crown Promenade Melbourne
    • Crown Metropol Melbourne
    • Cellarmasters

0.3 points: Get 1 bonus Altitude Rewards point for every $3 you spend at

    • Altitude Travel

stg logoSt.George Amplify Rewards

The Amplify Rewards list of bonus partners is made up of hotels and the Amplify Travel Service. Book accommodation using your St.George Amplify Rewards credit card or purchase flights through Amplify Travel and you could earn an extra three Amplify Rewards points on top of the regular earn rate.

Bonus partnersEarn rate
  • Amplify Travel
Get 1 bonus Amplify Rewards point for every $3 spent
  • Metro Hotels
Get 1 bonus Amplify Rewards point for every $1 spent
  • Crown Metropol
  • Crown Metropol Perth
  • Crown Promenade
  • Crown Promenade Perth
  • Crown Promenade Perth
  • Crown Towers
  • Leisure Inn Hotels and Suites
  • Park Regis Hotels
Get 3 bonus Amplify Rewards points for every $1 spent

Terms and conditions to remember

If you’re hunting bonus points, pay attention to these terms and conditions.

  • Points are awarded for eligible purchases. You don’t earn points on every purchase. Points are awarded for eligible purchases only. This usually includes everyday purchases such as buying fuel, groceries, and clothes. The transactions which are ineligible to earn points can include cash advance transactions, BPAY payments, utilities and government charges. Check with your credit card to find out what is and isn’t deemed an eligible purchase.
  • Points capping. Bonus points contribute towards any rewards programs points cap. For example, HSBC has restrictions on the number of HSBC Rewards Points you can earn in a year. Classic accounts are capped at 100,000 points per year, and both purchases and bonus points are calculated in this limit. Platinum products do not usually have a cap on points.
  • Points expiry. Points can expire after a certain number of months. A common condition is you must keep earning or redeeming points to keep your account active. For example, flybuys points expire if your account is inactive for longer than 12 months.

Rewards and frequent flyer credit cards can deliver value when you spend enough to get the value of the annual fee back in rewards. Using your credit card to shop your rewards program bonus partners is a quick way to rack up points and break even on the product’s annual fee.

Frequently asked questions

What about sign-up bonus points?

Some rewards credit cards give you points as a sign-up bonus. These bonus points can make a rewards credit card more cost effective in the short term. However, be conscious of the value of the rewards in the second year you have the credit card. You’ll need to increase your spend in the second year you have the card so you can earn enough rewards to break even on the cost of the credit card’s annual fee.

What is considered an eligible purchase?

Most everyday credit card purchases are eligible to earn rewards. Usually, an eligible purchase excludes cash advances, balance transfers, foreign exchange and gambling transactions.

Back to top

Sally McMullen

Sally McMullen is a journalist at finder.com.au who is a credit cards, frequent flyer and travel money expert by day and music maven by night.

Was this content helpful to you? No  Yes

Related Posts

American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

Ask a Question

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

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

2 Responses to How to earn credit card rewards faster with bonus partners

  1. Default Gravatar
    derry | April 21, 2015

    could you e mail me the balance of my rewarder card , rewarder no X

    Thanks

    • Staff
      Jonathan | April 21, 2015

      Hi Derry, thanks for your inquiry!

      Please note that finder.com.au is a comparison service and is not directly affiliated with banks/lenders. To allow me to further assist could you please state the bank your rewarder card is with?

      Cheers,

      Jonathan

Ask a question
feedback