Mozo guides

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. 

Supermarket brand credit cards

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.

Woolworths Money Everyday credit card:

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

Coles MasterCard

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

Features to consider when choosing a supermarket brand credit card

  • 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?

Supermarket rewards programs

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.

Woolworths Rewards Flybuys
Supermarket Woolworths Coles
Earning points You can only earn Woolworth dollars by purchasing items with an orange ticket in a Woolworths or BWS store (there’s around 500 rotating products) Flybuys members can earn points on every item they purchase in Coles Supermarkets
Points value $1 Woolworths Dollar = $1 AUD off a future shop Flybuys points are redeemed for flybuys dollars – 2,000 flybuys points = $10 flybuys dollars
Redeeming points When your Woolworths Dollars balance reaches $10 you’ll automatically get $10 off your next shop when you scan your Woolworths rewards card at Woolworths or a BWS store Points can be redeemed for hundreds of reward options from shopping vouchers, gift cards, products, travel and lifestyle experiences
Partners You can only earn Woolworths Dollars at Woolworths supermarkets and BWS stores You can earn flybuys points at with more than 20 partners from every category including, travel, entertainment, car and home insurance
What they say Woolworths estimates the average grocery shopper will earn a $10 reward from the program every 7.4 weeks Coles says, on average, its customers are earning enough points to get $10 off their shop in under six weeks.

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.

5 Tips to earn maximum reward points

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!


^See information about the Mozo Experts Choice Rewards Credit Card Awards

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