Supermarket rewards

The battle of the supermarket rewards program is never ending, constantly splashed before us with endless marketing and advertising campaigns. Should I shop at Coles for flybuys points or is Woolworths a better option to earn Woolworth rewards? This is a fair enough question to ask yourself! As there are many questions and unknowns when it comes to supermarket rewards we’ve decided to decipher these loyalty programs in a one stop shop guide.    

Start your search for cards below. 

Australia’s two largest supermarket chains each offer their own credit card – Coles MasterCard and Woolworths Money Everyday credit card. These supermarket credit cards work the same way as regular reward credit cards  however the two main points of different are the point earn rates on offer and the specific rewards and discounts offered to shoppers.

Rewards Program: Everyday Money Reward Points
Reward points: Earn 1 point for every $1 spent on eligible purchases everywhere Visa is accepted. The earn rate increases significantly when you use the credit card at Woolworth Group Stores. For example, you can earn up to 3 points per $1 spent on Woolworths select products.
Redeeming points: Every four months your points will be automatically converted to a Woolworths Money Shopping Card which will be sent to you. You can then redeem the card in-store at Woolworths supermarkets, BIG W, BWS, Dan Murphys, Master Home Improvement, Thomas Dux, participating Caltex Woolworths fuel outlets and online at Cellarmasters. You must earn a minimum of 4,000 reward points in a four month period to receive a $20 Woolworths Money Shopping Card.  
Points expiry: Never
Points capping: Uncapped
Annual fee: $0 annual fee for the first year, then $49 p.a. for subsequent years

Rewards Program: flybuys
Flybuy points: Collect two points for every dollar you spend on the card. You can also earn up to 3 points for every $1 spent at Coles Supermarkets or at any flybuys partners.
Redeeming points: Redeem points for flybuys Dollars at Coles Supermarkets, Kmart, Kmart Tyre & Auto Service, Target, Liquorland, First Choice Liquor and Coles Express. 2,000 flybuy points can be redeemed for $10 off a Coles Supermarket shop or selected flybuy partners.
Points expiry: 36 months
Points capping: Uncapped
Annual fee: $89 p.a.

To learn more about different types of reward credit card click here

• Where do I do my grocery shopping?
• What are my interests?
• How much are the points worth?
• Do the points expire?
• Is there a points capping?
• How much are the points worth?
• How much is the annual fee?

Now that you’ve hopefully got your head around supermarket branded reward credit cards we’re going to explore supermarket reward programs. This is another method for being rewarded for stocking up on your groceries. The table below compares Australia’s two competitor supermarket rewards program – Woolworths Rewards (replaced Everyday Rewards) and Flybuys.

At the end of the day if you’re deciding between the Woolworths Rewards loyalty program and flybuys it comes down to how you’d like to be rewarded for your grocery shopping habits. Would you rather earn points and receive discounts on your shopping (Woolworths) or would you rather redeem your points for a wide range of rewards from shopping vouchers to hotels, toasters to a bottle of red!?

If you don’t think a supermarket shopping rewards program is for you read our guide on reward programs to find one that suits your spending habits and interests.

1. Don’t forget to keep you rewards program card in your wallet so you can swipe it whenever the opportunity arises
2. Sign up to email newsletter so you can be alerted to special offers to earn bonus points
3. Shop with affiliated partners of the rewards program
4. When on offer, take advantage of bonus points
5. Add a family member, the more people on your card the more points you can earn!