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Flybuys credit cards

Trying to maximise your Flybuys Points? Get a Flybuys credit card and earn extra points, plus massive bonus point offers.

Key takeaways

  • You can earn more Flybuys when you use a Flybuys credit card at Coles, Target, Kmart, Liquorland and Bunnings.
  • Coles and Citi offer Flybuys credit cards with bonus points offers when you sign up. You can convert Citi Rewards Points to Flybuys.
  • You can convert Flybuys Points to Velocity Points at a rate of 2 Flybuys Points to 1 Velocity Points.

Compare Flybuys credit cards

These cards earn Flybuys points directly or points that can be converted to Flybuys.

Name Bonus points Points per $ spent Purchase rate p.a. Annual fee
Coles No Annual Fee Mastercard
Coles No Annual Fee Mastercard image
Flybuys
Bonus points
10,000
Points per $ spent
0.5
Purchase rate p.a.
20.74%
Annual fee
$0
Go to siteMore Info
Get 10,000 bonus Flybuys points (worth $50 Flybuys dollars) when you spend $3,000 on eligible purchases in the first 3 months.
Citi Premier Card - Cashback Offer
Citi Premier Card - Cashback Offer image
Citi Rewards Program
Bonus points
N/A
Points per $ spent
1
Purchase rate p.a.
21.49%
Annual fee
$300
More Info
Receive $600 cashback when you spend $2,000 through Apple Pay, Google Pay or Samsung Pay in the first 3 months.
Citi Rewards Card - Flybuys Offer
Citi Rewards Card - Flybuys Offer image
Citi Rewards Program
Bonus points
100,000
Points per $ spent
1
Purchase rate p.a.
0% for 6 months, then 21.49%
Annual fee
$199
More Info
Get 100,000 bonus Flybuys points (worth $500 Flybuys dollars) when you spend $5,000 in the first 3 months. Plus, 0% p.a. interest rate on purchases for 6 months.
Citi Premier Card
Citi Premier Card image
Citi Rewards Program
Bonus points
200,000
Points per $ spent
1
Purchase rate p.a.
21.49%
Annual fee
$150 first year ($300 after)
More Info
Up to 200,000 bonus points (150,000 in year 1 when you spend $7,000 in the first 3 months and 50,000 in year 2).
Citi Prestige Card
Citi Prestige Card image
Citi Rewards Program
Bonus points
250,000
Points per $ spent
1
Purchase rate p.a.
21.49%
Annual fee
$700
More Info
Get 250,000 bonus Citi Rewards Points, unlimited airport lounge access, hotel perks and complimentary travel insurance.
Coles Low Rate Mastercard
Coles Low Rate Mastercard image
Flybuys
Bonus points
N/A
Points per $ spent
0.5
Purchase rate p.a.
13.49%
Annual fee
$58
More Info
Save with 0% p.a. for 15 months on balance transfers (with a 1.5% BT fee). Plus, earn Flybuys points on Coles spending.
Coles Rewards Mastercard
Coles Rewards Mastercard image
Flybuys
Bonus points
50,000
Points per $ spent
2
Purchase rate p.a.
20.74%
Annual fee
$99
More Info
Get 50,000 bonus Flybuys points (worth $250 Flybuys Dollars) when you spend $3,000 on eligible purchases within the first 3 months.
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How can I earn Flybuys points on my credit card?

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.

  1. 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.
  2. 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.
  3. 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.

Rewards programPoint transfer rate
Citi Rewards1.33 Citi Rewards points = 1 Flybuys point
Suncorp Rewards1.33 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).

Tom Goodwin's headshot

"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."

Editor

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:

  1. Go to https://experience.flybuys.com.au/ or the Flybuys app and log in to your account.
  2. Shop for rewards and choose the one you want.
  3. 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

To make sure you get accurate and helpful information, this guide has been edited by Joelle Grubb as part of our fact-checking process.
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Editor

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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Co-written by

Editor

Richard Whitten is a money editor at Finder, and has been covering home loans, property and personal finance for 6+ years. He has written for Yahoo Finance, Money Magazine and Homely; and has appeared on various radio shows nationwide. He holds a Certificate IV in mortgage broking and finance (RG 206), a Tier 1 Generic Knowledge certification and a Tier 2 General Advice Deposit Products (RG 146) certification. See full bio

Richard's expertise
Richard has written 553 Finder guides across topics including:
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51 Responses

    Default Gravatar
    JenniferMarch 12, 2023

    I have lost my flybuys card the membership number starts with 6008xxxxxxxx9019 could you
    please send me a new one thank you very much

      AvatarFinder
      AmyMarch 13, 2023Finder

      Hi Jennifer,
      Call Flybuys on 13 11 16 and they can help you get your account details and a new Flybuys card. If you have a Flybuys credit card, your membership number should be on the back, so you can scan that instead. You could also order a new card through the Flybuys app or online account if you have those details. Hope this helps!

      AvatarFinder
      SarahMarch 13, 2023Finder

      Hi Jennifer,

      This is Finder review page for FlyBuys, we’re not directly affiliated with them. You’ll need to contact FlyBuys directly to organise a new card.

      Hope this helps!

    Default Gravatar
    JaniceOctober 27, 2016

    I belong to Virgin Velocity and also Coles Flybuys and I would like to know how I transfer points from Flybuys to Virgin, thanks.

      AvatarFinder
      DeeOctober 28, 2016Finder

      Hi Janice,

      Thanks for your question.

      To convert your Flybuys points to Velocity Frequent Flyer points, you need to link your memberships through the flybuys and Velocity website.

      Once successfully linked, you can already transfer your Flybuys points to Velocity Points by visiting the Flybuys website rewards section.

      Cheers,
      Anndy

    Default Gravatar
    AllanFebruary 23, 2016

    Who can I book a plane flight with that accepts Fly Buy points as payment,no longer available with Webjet

      AvatarFinder
      SallyFebruary 23, 2016Finder

      Hi Allan,

      Thanks for your question.

      You can redeem your flybuys points for flights with Etihad Airways.

      For more information on how you can do this, please see this guide.

      I hope this has helped.

      Cheers,

      Sally

    Default Gravatar
    ColleenFebruary 5, 2016

    Can I transfer my fly buyers point to my husband Qantas frequent flyers card

      AvatarFinder
      JonathanFebruary 8, 2016Finder

      Hi Colleen, thanks for your inquiry!

      Unfortunately transferring flybuys points is not a supported feature.

      Cheers,

      Jonathan

    Default Gravatar
    TessJune 24, 2015

    How do I t/f points into money off my next Coles bill. Can you do this for me?

      AvatarFinder
      SallyJune 24, 2015Finder

      Hi Tess,

      Thanks for your question.

      Just to confirm, you have come through to finder.com.au, not Coles or flybuys. As such, we’re unable to access or manage your flybuys account.

      You can get money off your next Coles shop by following these instructions:
      1. Make sure you are signed into your account before turning your points into flybuys Dollars.
      2. Once you’re logged in to your online account, click ‘Redeem Now’ and complete the requested info – including your 4-digit PIN.
      3. Select how many points you want to convert into flybuys Dollars.
      4. Present your flybuys card when you’re next at Coles, let the team member at the checkout know you’d like to pay with flybuys Dollars. Enter the amount of flybuys Dollars you’d like to spend, swipe your card and enter your PIN.

      I’ve sent you an email with the link to the flybuys sign in page.

      I hope this has helped answer your question.

      Thanks,

      Sally

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