💳   Earning flybuys rewards points with 

• On the Coles No Annual Fee Mastercard, you will earn 0.5 flybuys points per $1, while paying out no annual fee. Extras include purchase protection and a personal concierge on the platinum card option (provided to applicants who meet certain eligibility requirements).

• Coles Rewards Credit Card

  The Coles Rewards Mastercard can make your everyday more exciting. The first $3,000 in eligible purchases made with the Coles Rewards Mastercard earns you 2 flybuys points for every $1 spent. Plus, enjoy 50,000 Flybuys bonus points (worth $250 Flybuys dollars) and save with its $0 foreign transaction fee feature on purchases when shopping online or overseas. Apply by 05 November 2024.
  

Aside from earning points on your credit card, you can earn points when shopping at Coles supermarkets and other stores within the Coles Group, such as Kmart and Target. You can also earn points when spending at flybuys partners. flybuys changes up its bonus points deals and promo offers regularly, so it’s a good idea to keep an eye on your online account.

  🛒   Redeeming your flybuys points

When redeeming points on the flybuys program, you can:

• Shop the Rewards Store to benefit from free Australia-wide shipping, lots of promos and sales, and Points Plus Pay.
• Choose from a range of gift cards, where 10,000 points equal $50 in gift card value.
• Book travel via flybuys Travel.
• Transfer to the Velocity program at a rate of 2:1, where 1,000 flybuys points equals 500 Velocity Points.

  💰   Getting value for your flybuys points

So, what can you expect in terms of value?

Coles No Annual Fee Mastercard (0.5 points per $1, no annual fee, purchase protection and personal concierge on platinum).

• • On a monthly spend of $1,000, you would earn 500 points each month, or 6,000 points per year, equal to $30 off at checkout, or $30 in gift card value.

• • On a monthly spend of $2,500, you would earn 1,250 points each month, or 15,000 points per year, equal to $75 off at the checkout, or $75 in gift card value.

Coles Rewards Mastercard (2 points per $1 up to $3,000 per statement period, then 1 point per $1, no annual fee in the first year, then $99, personal concierge on platinum, no international transaction fee, bonus points).

• • On a monthly spend of $2,500, you would earn 5,000 points each month, or 60,000 points per year, equal to $300 off at the checkout, or $300 in gift card value. Factoring in the intro bonus on offer, you would enjoy an additional $250 of value in the first year, so $550 overall.

• • On a monthly spend of $5,000, you would earn 8,000 points each month, or 96,000 points per year, equal to $480 off at the checkout, or $400 in gift card value (worth 80,000 points). Factoring in the intro bonus on offer, you would enjoy an additional $250 of value in the first year, so $730 overall.

  ⚖️   The verdict on Coles flybuys credit cards

The value offered on the no annual fee card is limited, but is a low-cost option that might feel safer for those dipping a toe into credit cards. A higher spend on the classic card option could offer a nice return, but bear in mind its points shaping. Its bonus points offer is appealing – but what will really win you points on this program is getting to know where to find promo deals and points boosters. The flybuys rewards program is one of the most versatile points programs on offer with multiple ways to earn during your regular spending.

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