You can earn Flybuys Points when you sign up for a free Flybuys membership and spend money at eligible retailers. This includes Coles, Target, Kmart, Liquorland and Bunnings. You don't need a credit card to do this.
But you can even more points by shopping at those retailers with the right credit card.
Earn more points when you spend. Many of the credit cards listed on this page let you earn more Flybuys points when you spend. If a card has an earn rate of 1 point per $1 spent, this means you'd earn 100 Flybuys Points on the card when shopping at Coles or Bunnings. This is in addition to the Flybuys points you'd already earn just for shopping. Depending on the card you could double your earn rate. Coles credit cards and some Citi Rewards cards let you earn Flybuys this way.
Bonus points offers when you sign up. Many cards have a generous bonus points offer when you sign up for the card. This could earn you tens or even hundreds of thousands of Flybuys Points. You often have to qualify for the bonus points by spending a certain amount on the card in the first few months after sign up.
Convert points from other card rewards programs. With a Citi Rewards card or a Suncorp Bank Rewards card you can earn points in those respective programs and then convert them to Flybuys Points.
Keep in mind: You'll need to provide your Flybuys membership number when you apply or after you activate your account to be able to earn Flybuys points with a credit card.
Transferring credit card points to Flybuys
If you have a Citi Rewards or Suncorp Rewards credit card, you can transfer points to your Flybuys account.
1.33 Suncorp Bank Rewards points = 1 Flybuys point
Example: How many Flybuys points can I earn with a credit card?
The amount of points you'll get from a Flybuys credit card depends on the card, its earn rate and how much you spend.
Let's say you took out a Coles Rewards Mastercard. This card has an earn rate of 2 Flybuys points per $1 on eligible spending (up to $3,000 per statement period and then 1 point per $1 up to $8,000 per statement period after that).
It also has a bonus offer of 50,000 Flybuys Points if you spend $3,000 on eligible purchase in the first 3 months. Let's assume your monthly card spending in one year averages out to $2,000 a month.
Bonus points: 50,000
Points earned on card spending (2 points per dollar): 48,000
Total = 98,000 Flybuys Points.
And you'd also earn a further 24,000 Flybuys Points on the spending (you get 1 point per dollar spent as a Flybuys member).
"Many points schemes have a time limit on their use. So make sure you keep an eye on them! Don't be like me and miss out on potential savings, flights or fun items for round the house by letting a time limit lapse."
How to redeem Flybuys points earned with a credit card
Once the Flybuys points earned with your credit card have been added to your account, you can redeem them for cash off your shop, retail items, travel, Velocity Points and other rewards offered through the Flybuys rewards program in a few steps:
Go to https://experience.flybuys.com.au/ or the Flybuys app and log in to your account.
Shop for rewards and choose the one you want.
Follow the prompts to finalise your redemption.
You can also redeem points by calling the Flybuys service centre at 13 11 16.
What are the pros and cons of using a Flybuys credit card?
Pros
Earn points as you spend. A Flybuys-linked credit card will reward your everyday credit card spending at eligible retailers.
Instantly convert points to cash. With Flybuys-linked Coles credit cards, you can instantly convert 2,000 Flybuys points into $10 off your next shop at any Coles store.
Free membership. Certain frequent flyer programs require that you pay a registration or annual fee, but the Flybuys program doesn't charge such a fee. Please note that your credit card may come with an annual fee, though.
Get more than flights. You can redeem your Flybuys points for more than flight rewards. You can also get gift cards, convert your points to cash, or choose from an array of merchandise.
Convert points into frequent flyer points. If you'd prefer, you can also transfer your Flybuys points to a Virgin Velocity frequent flyer account.
Enjoy bundled discounts. With attractive incentives to spend within the large network of Flybuys partners, you can save money or earn multiple Flybuys points by taking up exclusive partner promotions.
Cons
Fewer options. Not many cards are directly linked to the Flybuys program, which limits your choices to a few card providers.
Higher annual fee for faster earn rate. The Coles Rewards Mastercard charges a $99 annual fee to earn up to 2 points for every $1 spent, compared to the Coles No Annual Fee Mastercard which lets you earn 0.5 points per $1 spent.
Limited travel benefits. You may be disappointed if you're looking for benefits like priority check-ins, travel insurance cover and lounge access. Unlike traditional frequent flyer programs, Flybuys doesn't directly offer these.
Restrictions. Flybuys customers are limited to earning points only with partner merchants, so you'll want to make sure that its network of partner stores caters for your existing spending habits.
Expiry. Flybuys points and dollars will expire if you fail to earn or redeem points for 12 consecutive months.
Frequently asked questions
With a Coles Mastercard credit card, the points you earn per $1 can take up to 60 days to be added to your Flybuys account and the number of points you earn in each statement period will be shown on your credit card statement.
If you're transferring credit card reward points, allow up to 28 days for them to be credited to your Flybuys account.
And for bonus point offers you should typically allow around 4-6 weeks from when you meet the spend requirement. These details vary between cards, so if you have questions it's a good idea to ask the credit card company directly.
If you want to share your Flybuys credit card account with someone, you can submit a request to add them as an additional cardholder on your account. They'll be issued with their own credit card, which will earn Flybuys points for your rewards account. Note that you'll still be responsible for managing the Flybuys credit card (as the primary cardholder).
Link your partner accounts online by signing in to your Flybuys account. Go to “My account” and scroll down to “Your linked accounts”. Under that, you will see the possible accounts that can be linked. Simply follow the prompts from there.
You can get Flybuys dollars in exchange for your Flybuys points, at the rate of 10 Flybuys dollars for every 2,000 Flybuys points. These Flybuys dollars can be used to pay for products and services at Coles Supermarkets, Shell Coles Express, Liquorland, Target, Kmart, mycar Tyre & Auto and First Choice Liquor.
Log in to the Flybuys app or Flybuys website to check your current Flybuys points balance. You'll also see details of how many points you have earned on your monthly credit card statements.
Update your details by calling the Flybuys Service Centre on 13 11 16, or by logging in to your account online. Go to “My Account”, select from the options in the top right-hand corner of the Account Overview page or navigate to the “Account Details” page using the submenu to update any of your details.
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To make sure you get accurate and helpful information, this guide has been edited by Joelle Grubb as part of our fact-checking process.
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio
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flybuys has a few travel partners through which you are able to book and redeem rewards, including flights. You can do this through the flybuys website.
I hope this has helped.
Thanks,
Elizabeth
PamelaOctober 8, 2014
Not sure what my email is registered as but have not logged in for a long time. Also don’t know if I have updated my address. My Fly buys should be linked to my NAB account? Anyway I don’t seem to be earning points and after 15 years and no use only have $10 credit so want to look in to making this card work. Please advise.
Finder
ElizabethOctober 8, 2014Finder
Hi Pamela,
Thanks for your question.
The first thing you might want to do is get in contact with flybuys and try and retrieve your account details. You could try a few of the email addresses you’ve had and then select the ‘forgot your password’ option at login to set up a new one. From there you can check that all your details are correct in your account. Then, you can ensure that your flybuys number is linked to your NAB account to make sure you are earning points. One way to start earning more points is to use your card when you make everyday purchases, so if you’ve lost your card you can have a new one sent to you.
I hope this has helped.
Thanks,
Elizabeth
MargaretApril 7, 2014
Can I link my flybuys card to my frequent flyer card and if so how?
Finder
JacobApril 7, 2014Finder
Hi, Margaret.
Thanks for your question.
It’s not possible to link your flybuys card with another rewards program. A flybuys card can be used to earn flybuys points, which can be redeemed for a range of rewards including flights.
I hope this helps and please let us know if you have any further question.
AnnApril 7, 2014
Can other family members use your flybuys points to travel?
Finder
JacobApril 7, 2014Finder
Hi, Ann.
Additional members on the primary members account can redeem flybuys points for rewards. flybuys is free to join, additional members in your household will also earn points for the main account when they shop.
Thanks for your question.
BelindaOctober 27, 2013
can we use Qantas frequent flyer points to fly with Jet Star?
Finder
JacobOctober 28, 2013Finder
Hi Belinda.
According to the Qantas website, ‘Qantas & Jetstar Any Seat Awards allow you to use your Qantas Points to book any available seat on a Qantas or Jetstar flight.’
Thanks for your question.
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Can I pay for flights with my flybuy points
Hi Robyn,
Thanks for your question.
flybuys has a few travel partners through which you are able to book and redeem rewards, including flights. You can do this through the flybuys website.
I hope this has helped.
Thanks,
Elizabeth
Not sure what my email is registered as but have not logged in for a long time. Also don’t know if I have updated my address. My Fly buys should be linked to my NAB account? Anyway I don’t seem to be earning points and after 15 years and no use only have $10 credit so want to look in to making this card work. Please advise.
Hi Pamela,
Thanks for your question.
The first thing you might want to do is get in contact with flybuys and try and retrieve your account details. You could try a few of the email addresses you’ve had and then select the ‘forgot your password’ option at login to set up a new one. From there you can check that all your details are correct in your account. Then, you can ensure that your flybuys number is linked to your NAB account to make sure you are earning points. One way to start earning more points is to use your card when you make everyday purchases, so if you’ve lost your card you can have a new one sent to you.
I hope this has helped.
Thanks,
Elizabeth
Can I link my flybuys card to my frequent flyer card and if so how?
Hi, Margaret.
Thanks for your question.
It’s not possible to link your flybuys card with another rewards program. A flybuys card can be used to earn flybuys points, which can be redeemed for a range of rewards including flights.
I hope this helps and please let us know if you have any further question.
Can other family members use your flybuys points to travel?
Hi, Ann.
Additional members on the primary members account can redeem flybuys points for rewards. flybuys is free to join, additional members in your household will also earn points for the main account when they shop.
Thanks for your question.
can we use Qantas frequent flyer points to fly with Jet Star?
Hi Belinda.
According to the Qantas website, ‘Qantas & Jetstar Any Seat Awards allow you to use your Qantas Points to book any available seat on a Qantas or Jetstar flight.’
Thanks for your question.