Woolworths’ Everyday Rewards and Coles’ Flybuys are Australia’s two largest supermarket loyalty programs, with over 14 million and 9 million active members respectively. Both are free to join. Both earn 1 point per dollar spent at their supermarket. And yet they are not the same program — the partner networks, redemption values, airline connections, and practical value for different types of shoppers differ in ways that actually matter.
Both programs are free to join, both start at 1 point per dollar, and both need 2,000 points for a $10 reward. The decisions that affect real money are more specific than that.
They have the same redemption threshold — 2,000 points for $10 off — but market analysis shows the two programs approach value differently. Everyday Rewards points are frequently described as worth approximately 1 cent each, while Flybuys points are commonly valued at approximately 0.5 cents each. The discrepancy comes from how each program structures its bonus earn opportunities and what each point translates to when redeemed. At the base rate, both give the same $10 per 2,000 points spent on $2,000 of groceries — a 0.5% return on straightforward grocery spending. Where the difference emerges is in boosters and bonus offers: Everyday Rewards’ Member Prices and Boost offers create discount pathways that operate separately from the points system itself, while Flybuys’ broader partner network creates more opportunities to accumulate points outside grocery shopping. Neither program is better in the abstract — the value depends entirely on how you shop.
Carry both. Both programs are free to join and free to maintain — there is no fee for holding either card, no minimum spend requirement, and no penalty for inactivity beyond the points expiry rules. Carrying both means you earn points whichever major supermarket has the better price or specials that week, and you benefit from partner discounts at stores like Bunnings, Kmart, and Target (Flybuys) as well as Big W and BWS (Everyday Rewards) without splitting your loyalty arbitrarily. According to market analysis, over 17 million Australians have a Flybuys card and over 14 million have Everyday Rewards — there is considerable overlap, and the retailers are fully aware that many shoppers carry both. Choosing one over the other only makes sense if you are trying to concentrate points in a single frequent flyer program or reach a specific redemption goal faster.
At the base rate with no bonus activation, a household spending $300 per month at one supermarket earns approximately 3,600 points per year — worth $18 in grocery credit. That is the floor. The ceiling, for members who actively use the programs, is meaningfully higher. Verified analysis based on tracked program data found that Everyday Rewards members who regularly activate Boosters and use Member Prices can realistically earn $40–$80 per year. Flybuys members who activate available offers and complete bonus challenges can realistically earn $80–$150 per year from combined supermarket and partner spend. The gap between the floor and ceiling is entirely explained by one behaviour: activating weekly bonus offers before shopping, not after. Members who activate boosters in the app at least two hours before arriving at the store consistently extract three to four times more value than members who simply scan and leave.
Member Prices are a separate discount mechanism from the points system — they represent lower shelf prices available only to Everyday Rewards members, displayed on specific products in-store and online at Woolworths, Woolworths Metro, and Big W. The discount appears at checkout automatically when you scan your card — no points are involved, no threshold must be reached, and no voucher is required. The saving is immediate and direct. This system means that the total value of Everyday Rewards membership is not just about points accumulation — Member Prices on commonly purchased items can deliver savings that have nothing to do with the 2,000-point voucher cycle. Coles runs a similar concept under Flybuys Offers, though the Woolworths Member Price system has been specifically highlighted as one of the program’s distinctive features, particularly since Coles similarly moved to member-exclusive pricing on select items, making loyalty card membership effectively mandatory for the best in-store price on certain products.
Everyday Rewards has the better frequent flyer conversion for most Australians because of both the transfer rate and the destination program. Everyday Rewards converts at 2,000 points = 1,000 Qantas Points. Flybuys converts at 1,000 Flybuys = 500 Velocity Points — effectively the same ratio (2:1) but the destination matters. Qantas Frequent Flyer has a significantly larger airline partner network than Velocity, giving Qantas Points more flexibility for international redemptions. For domestic travel, Velocity Points and Qantas Points both give access to Australia’s two largest carriers, so the difference matters most for international itineraries. If you are a committed Velocity or Virgin Australia loyalist, Flybuys is the natural fit. If you are Qantas-aligned or want access to the broadest set of partner airlines, Everyday Rewards converts more usefully.
Flybuys points expire after 12 months of account inactivity — meaning if you do not make a single eligible transaction in a 12-month period, your entire points balance is forfeited. Everyday Rewards points expire after 18 months of inactivity — a six-month longer window. In both cases, any eligible transaction at any partner store (including fuel) resets the clock. For members who shop infrequently or who have temporarily stopped shopping at one chain, it is worth knowing that a small fuel purchase or a single online order at a partner store is enough to preserve years of accumulated points. Set a calendar reminder for the expiry date if you are between active shopping periods, and make a token transaction before the deadline. The points expiry rules are the most commonly overlooked part of both programs, and they catch members who switch supermarkets or travel for extended periods without realising their balance is at risk.
Both programs offer a fuel saving, but the mechanics differ. Everyday Rewards members who spend $30 or more at Woolworths unlock a 4 cents per litre discount at participating Ampol and EG service stations for 28 days — applied automatically when you scan your Everyday Rewards card at the pump. Up to four Everyday Rewards accounts can be linked to share this fuel benefit. Flybuys members earn points at Coles Express (Reddy Express) at a rate of 1 point per $2 spent on fuel — a slower earn rate than grocery shopping. The Everyday Rewards fuel discount is the simpler and more immediately useful benefit for most shoppers who already do a regular Woolworths shop — spend $30 on groceries, get 4 cents per litre off your next fill-up for a month, no voucher required, no additional step needed at the pump beyond scanning your card. For a 50-litre fill, that saves $2 per visit, which adds up meaningfully for households that fill the tank weekly.
Every major factor in one place. Where both programs are identical, the table says so — because the real differences are more specific than the broad overview suggests.
| Category | 🟢 Everyday Rewards (Woolworths) | 🔵 Flybuys (Coles) |
|---|---|---|
| Cost to join | Free | Free |
| Base earn rate | 1 point per $1 spent at Woolworths | 1 point per $1 at Coles & most partners |
| $10 voucher threshold | 2,000 points | 2,000 points |
| Base return on spend | 0.5% | 0.5% |
| Member-only in-store prices | ✅ Member Prices — scan & save instantly | ⚠️ Member offers — similar but narrower |
| Points expiry | 18 months inactivity | 12 months inactivity |
| Fuel discount | 4¢/L at Ampol/EG (spend $30+ at Woolies) | 1 pt per $2 at Coles Express/Reddy Express |
| Supermarket partners | Woolworths, Woolworths Metro, BWS, Big W | Coles, Coles Online, Liquorland |
| Retail partners (beyond supermarket) | Big W, BWS, Petstock, Milkrun, Healthylife | Kmart, Target, Bunnings, Officeworks, mycar, HCF, Optus |
| Frequent flyer partner | Qantas (2,000 pts = 1,000 QFF pts) | Velocity (1,000 pts = 500 Velocity pts) |
| Qantas vs Velocity network | Qantas — larger international partner network | Velocity — Virgin Australia domestic focus |
| Weekly bonus offers | Boosters — activate in app before shopping | Flybuys Boost — activate in app before shopping |
| Spend threshold bonus | Weekly spend bonus offers | 4-week challenge offers common |
| Active members | 14+ million | 9+ million |
| Best for frequent flyers | Qantas-aligned travellers | Velocity/Virgin-aligned travellers |
| Best for non-flyers | Direct grocery vouchers | Broader retail redemption (Kmart, Bunnings etc) |
Woolworths’ loyalty program has more active members than any other in Australia. Here is what the program does well, what its limitations are, and the features most members are not using.
Member Prices are lower prices on specific products available exclusively to Everyday Rewards members — separate from the points-earning and voucher system. When a product has a Member Price, the shelf ticket shows both the standard price and the lower member price. Scan your card at checkout and the lower price is applied automatically — no points, no voucher, no threshold. This means you can receive real savings on any individual shop regardless of whether you have accumulated enough points for a $10 voucher. Member Prices apply at Woolworths, Woolworths Metro, Big W, and BWS. These prices are not promotions that require activation — they are the permanent lower price for cardholders, similar to how some retailers have always offered member rates. The practical implication is that Everyday Rewards membership is genuinely valuable from the first visit, not just once you have accumulated 2,000 points over months of shopping.
Boosters are personalised bonus point offers in the Everyday Rewards app — activated before you shop, applied automatically when you buy the qualifying item. A typical set of available Boosters offers 50 to 150 bonus points per matching product, with periodic whole-of-shop multipliers (3x to 10x points on your total spend) appearing for targeted members. Boosters reset weekly and expire if not activated before the offer window closes. The activation step must happen before you arrive at the checkout — Boosters activated after purchase do not apply. The single most impactful habit for any Everyday Rewards member is opening the app, activating every available Booster, and then doing the weekly shop — in that order, every time. Members who do this consistently report accumulating $10 vouchers in two to three weeks rather than the six to eight weeks it takes at the base rate with no Boosters activated.
Everyday Rewards converts to Qantas Frequent Flyer at a rate of 2,000 Everyday Rewards points equalling 1,000 Qantas Points. You can set up automatic conversion so that every time you hit 2,000 points, 1,000 Qantas Points are deposited to your frequent flyer account without manual steps. Qantas Points analysts typically value redeemed points at around 1.5–2 cents each when used for flights — against the baseline grocery redemption value of 0.5 cents per point. For premium cabin international flights, that value increases substantially. The automatic conversion setup means you effectively run both the grocery voucher option and the Qantas Points option simultaneously, but you need to make a deliberate choice: once points are converted, they cannot be converted back to grocery vouchers. Members who prefer grocery savings should stay on the default voucher setting; those focused on building a flight points balance should link Qantas and set up auto-transfer.
Flybuys was launched by Coles in 1994 and is Australia’s longest-running supermarket loyalty coalition program. Its most significant advantage over Everyday Rewards is the partner retail network — if you regularly shop at Kmart, Target, Bunnings, or Officeworks, those transactions all earn points, not just the Coles grocery run.
Flybuys earns 1 point per $1 spent across Coles, Kmart, Target, Liquorland, First Choice Liquor Market, Officeworks, Bunnings, and mycar — plus insurance with HCF and select telecommunications with Optus. This means that a household which buys paint at Bunnings, does a Kmart run for school supplies, shops for clothing at Target, and buys stationery at Officeworks is earning Flybuys points on all of those transactions, not just the Coles grocery shop. Everyday Rewards members earn points at Woolworths, Big W, BWS, and fuel — a narrower retail footprint. For families with teenagers who shop at Kmart regularly, or households that make frequent Bunnings purchases for home maintenance, Flybuys’ partner breadth creates a meaningfully higher point accumulation rate without changing any shopping behaviour. The redemption is also broader — Flybuys Dollars can be spent at Coles, Kmart, Target, Bunnings, Officeworks, Liquorland, Coles Express, and mycar, whereas Everyday Rewards vouchers apply at Woolworths and BWS only.
Flybuys runs personalised bonus offers through its app in a similar fashion to Everyday Rewards Boosters — targeted promotions based on your shopping history that must be activated before purchase. A distinctive feature of Flybuys is the four-week challenge offer: spend a defined amount at Coles or partners over four consecutive weeks and earn a large points bonus (commonly 10,000 bonus points or more) on top of base earn. These challenge structures reward consistency rather than single-transaction size. Gift card bonus promotions are particularly powerful on Flybuys — offers of 10x to 20x bonus points on selected gift cards appear regularly, and purchasing a gift card for a retailer you already plan to use generates dramatically accelerated point accumulation. A 20x bonus points offer on a $100 gift card earns 2,000 points in a single transaction — the equivalent of a $200 grocery shop at base rate, achieved in one purchase. Both programs run these gift card promotions; checking before any large gift card purchase is worthwhile regardless of which program you use.
Flybuys transfers to Velocity Frequent Flyer at a rate of 1,000 Flybuys points equalling 500 Velocity Points — a 2:1 ratio, the same as Everyday Rewards to Qantas. The Velocity program is Virgin Australia’s frequent flyer scheme. Transfer must be initiated manually through the Flybuys website or app, or can be set up on auto-transfer. Velocity partners primarily around Virgin Australia’s domestic network and a smaller set of international partners compared to Qantas. For members who prefer Virgin Australia’s domestic service — particularly those in cities where Virgin Australia is the more convenient or consistently preferred carrier — the Flybuys–Velocity connection is a genuine benefit that Everyday Rewards cannot match. For those open to either airline, the Qantas connection through Everyday Rewards generally provides more redemption optionality, particularly for international travel.
The gap between $18 per year and $80–$150 per year from these programs comes down to a handful of habits. None of them require spending more — only spending smarter at stores you are already visiting.
Both programs have personalised weekly bonus offers in their apps. The apps show available offers; you must tap “Activate” before making the qualifying purchase — offers activated at the checkout or after the transaction do not apply. The most consistent piece of advice from high-value loyalty program users is to open the app the night before or the morning of any supermarket visit, activate every available offer — whether or not you think you will buy those products — and then shop. You will sometimes organically buy something that you activated a bonus for without specifically intending to, and those bonus points accumulate. Spend five minutes activating offers on Sunday evening before the Monday shop — that single habit, done consistently, is what separates members who get $10 every two weeks from members who get $10 every two months.
Both programs run periodic 10x to 20x bonus points offers on selected gift cards. If you are buying a gift card anyway — for a birthday, Christmas, a household voucher for a store you regularly visit — and a bonus points offer is active, the return can be dramatically higher than the base grocery earn rate. A $100 gift card at 20x earns 2,000 points in one transaction — equivalent to a $200 supermarket visit at base rate. Check the app before any gift card purchase. Neither program advertises these promotions heavily outside the app, so many members miss them. This tip applies to both programs equally — whichever one you are currently accumulating points in, checking for gift card promotions before a significant gift card purchase is always worth doing.
The Everyday Rewards 4 cents per litre fuel discount at Ampol and EG stations activates automatically for 28 days whenever you spend $30 or more at Woolworths — which most regular shoppers trigger on every weekly visit. The discount applies to up to 50 litres per fill. For a 50-litre fill, that is $2 saved. Done weekly, that is over $100 per year in fuel savings alone — more than double the annual value of the base grocery points at a household spending $200/week at Woolworths. Claim it by scanning your Everyday Rewards card at participating Ampol and EG service stations. The discount appears at the pump or at the terminal — you do not need a voucher or a separate step at the checkout. This benefit resets with every qualifying Woolworths shop, so there is never a reason not to have it active if you shop weekly.
Both programs allow you to save up points beyond the 2,000-point threshold rather than automatically receiving a $10 voucher. Everyday Rewards has a “save your points” option specifically for this — accumulate for a larger single-shop discount at Christmas, before a big household purchase, or during a period when spending is elevated. Flybuys allows the same accumulation strategy with no automatic redemption trigger. For households on tight budgets who time their bigger grocery stocks around pay cycles, saving points for a $30 or $50 single-shop discount is often more impactful than receiving $10 vouchers scattered throughout the year. Set a redemption goal in the app and save until you reach it — both programs support this approach.
Where you spend your points matters almost as much as how you earn them. Both programs have high-value and low-value redemption options — and the worst ones are often the most prominently advertised.
For most members who are not active frequent flyers, the $10 grocery voucher at Woolworths or BWS is the clearest, most useful redemption — immediate cash-equivalent value applied at the checkout with no further steps. The Qantas Points conversion (2,000 points = 1,000 Qantas Points) offers higher theoretical value for members who will actually redeem the Qantas Points for flights, particularly international business class where point valuations increase substantially. What to avoid: direct merchandise redemptions from the Everyday Rewards catalogue almost always deliver less value per point than the simple $10 voucher. Assess any merchandise offer by calculating whether the points required would generate more value as a grocery discount before committing.
Flybuys Dollars — the $10 in-store credit available at Coles, Kmart, Target, Bunnings, Officeworks, Liquorland, Coles Express, and mycar — represent a genuine advantage over Everyday Rewards for non-flyers, because the redemption is not limited to Coles. Spending your $10 voucher at Bunnings or Kmart rather than specifically at a Coles supermarket gives more flexibility. Velocity Points conversion (1,000 Flybuys = 500 Velocity Points) is the right choice for committed Virgin Australia travellers who will realistically redeem the Velocity Points. What to avoid at all costs: movie passes and the Flybuys Rewards Store merchandise are widely documented as the lowest-value redemptions in the program — movie passes have been calculated at approximately 0.1 cents per point, one-fifth of the baseline cash rate. Never redeem Flybuys for merchandise unless you have confirmed the point cost is genuinely cheaper than the retail price.
Everyday Rewards is your primary program. Sign up at everydayrewards.com.au, activate Boosters every week before your shop, use the 4 cents per litre fuel discount at Ampol and EG whenever you fill up, and look for Member Price products on your regular items. For partner spending at Big W, BWS, or Petstock, Everyday Rewards covers those. Also carry a Flybuys card — if you ever visit Bunnings, Kmart, Target, or Officeworks, you will earn Flybuys points there that Everyday Rewards cannot capture. Using Flybuys as your secondary program for non-Woolworths retail means no points go unearned regardless of which store you walk into.
Flybuys is your primary program. Register at flybuys.com.au, activate Boost offers before every Coles visit, and leverage the partner network whenever you shop at Kmart, Target, Bunnings, or Officeworks — all of which earn Flybuys points at the same 1 point per dollar rate as Coles. Check the Flybuys app for gift card bonus promotions before any large gift card purchase. Also carry an Everyday Rewards card — if you ever shop at Woolworths, BWS, or Big W, scanning it captures points that would otherwise be lost. Both cards are free and take five minutes to obtain.
If you are Qantas-aligned or want the broadest international partner network, Everyday Rewards is the better converting program. Link your Qantas Frequent Flyer number at everydayrewards.com.au and set up automatic conversion — every 2,000 Everyday Rewards points becomes 1,000 Qantas Points without manual steps. If you are a committed Virgin Australia and Velocity member, Flybuys is the right choice for the same reason — transfer manually or set up auto-convert through the Flybuys website. Do not run both programs at low balances if flights are your goal — concentrate points in whichever frequent flyer program you actually fly with, because points spread across two low balances rarely reach a useful flight redemption threshold. Pick one airline program and direct all supermarket points there.
For seniors primarily focused on reducing the grocery bill, Everyday Rewards has a practical edge in the Member Prices system — immediate, automatic price reductions on specific products that require no points accumulation and no waiting for a voucher to arrive. These savings show up in the basket total at the checkout on the first visit, not after months of accumulating points. The Boost offers that multiply points earnings also create accelerated voucher accumulation for members who activate them. The 4 cents per litre fuel saving compounds the value meaningfully for households that drive regularly. For budget-focused shopping, the single most important habit is not which card you carry — it is checking which store has better prices on your staples that week and shopping there, earning whatever points come with that store. Loyalty to a store that charges more for the same products costs more than the points value it returns. Use the programs, but let price and quality drive the shopping decision first.
Yes — significantly. Regular Bunnings and Kmart spending adds meaningful Flybuys points accumulation that Everyday Rewards cannot match. A household spending $100/month at Bunnings and $80/month at Kmart is earning an additional 2,160 Flybuys points annually on those purchases alone — worth $10.80 in Flybuys Dollars, almost entirely outside the Coles grocery relationship. Add Officeworks for stationery or technology, and Target for clothing, and the annual Flybuys point accumulation from non-grocery retail spend alone can outpace what a comparable household earns from the Everyday Rewards grocery relationship. For Bunnings and Kmart regulars, Flybuys becomes the more valuable primary program even if your supermarket of choice is Woolworths — carry both cards, use Everyday Rewards at the supermarket and BWS, use Flybuys everywhere else.
This guide is for general informational purposes only and has no affiliation with Woolworths Group, Coles Group, or their loyalty programs. All program terms, earn rates, partner retailers, redemption values, and conditions are set by Everyday Rewards and Flybuys respectively and are subject to change without notice — verify current details at everydayrewards.com.au and flybuys.com.au before relying on this information. Member counts (14M+ Everyday Rewards, 9M+ Flybuys) reflect publicly reported figures and may have changed. Base earn rates, redemption thresholds, fuel discount amounts, and points expiry periods reflect published program terms as of mid-2026. Flybuys points expiry is 12 months of inactivity; Everyday Rewards is 18 months — confirm current terms directly with each program. Frequent flyer transfer rates (2,000 Everyday Rewards = 1,000 Qantas Points; 1,000 Flybuys = 500 Velocity Points) reflect published rates and are subject to change. Annual value estimates ($40–$80 Everyday Rewards; $80–$150 Flybuys) reflect independent analysis based on tracked program data and are not guaranteed. This content is entirely original and independently written. All values are in Australian dollars.