A year’s worth of rewards points is worth $255. One switch could beat it
Key takeaways
- The average Australian has $255 in rewards value, according to ING's 2026 Sense of Us Report.
- A single household bill switch through Finder Rewards could deliver more value than a year's worth of loyalty rewards.
- Current rewards range from $50 to $1,000 in Visa gift cards.
Australians spend months collecting loyalty points and rewards. But how much are they actually worth?
According to ING's 2026 Sense of Us Report, the average Australian has $255 in value spread across multiple loyalty and rewards programs.
That's not nothing. It could help cover a week's groceries, new school shoes or a few winter essentials.
But while many households are using loyalty programs to ease cost-of-living pressures, there may be a faster way to unlock similar or even greater value.
Lots of little wins, or one big reward?
You can spend an entire year building up rewards points. Last year, for example, I collected Woolworths Everyday Rewards points throughout the year and ended up with a few hundred dollars to spend at Christmas. Not too shabby!
But, I scored an ever better reward by switching one everyday household bill through Finder Rewards.
Several current Finder Rewards offers are worth more than the average Australian's entire annual rewards balance. These Visa gift card offers are available when you take out selected health insurance policies, broadband plans and personal finance products through Finder, like:
- $300 on an eligible AHM hospital and extras health insurance policy
- $100 when you're approved for the Latitude Low Rate Mastercard via Finder and complete a balance transfer
- $110 when you switch to an NBN plan with Dodo (plus get discounted internet for 6 months)
Many Australians spend months accumulating points worth a few hundred dollars while overlooking one-off switching offers that can deliver the same value (or more) in one transaction.
ING's research suggests Australians are becoming super strategic with their money, using multiple high-interest savings accounts and squeezing every bit of value out of loyalty programs.
But that's only one piece of the puzzle. Comparing providers, reviewing household bills and taking advantage of sign-up incentives can often deliver even bigger savings.
The average Australian holds about $255 in rewards value, but you could beat that in one well-timed switch.
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