Verdict up front: Neither program is objectively “better” — the right one depends entirely on where you shop. Woolworths shoppers should use Everyday Rewards. Coles shoppers should use Flybuys. If you split evenly, pick the one with better partner offers near you. The mistake most Australians make is signing up for both but not maximising either.
Last updated: April 2026 | [Affiliate disclosure: We earn a commission if you apply via our links.]
Australia’s two biggest supermarkets have been in a loyalty points war for decades. The result: two mature, reasonably generous programs with very similar structures and very different partner ecosystems.
Here’s the honest comparison — no filler, just the numbers.
The Programs at a Glance
| Feature | Everyday Rewards | Flybuys |
|---|---|---|
| Operator | Woolworths Group | Coles Group |
| Currency | Everyday Rewards points | Flybuys points |
| Base earn | 1 point per $1 at Woolworths | 1 point per $2 at Coles |
| Redemption | $10 off at Woolworths (2,000 pts) | $10 off at Coles (2,000 pts) |
| Point value | 0.5 cents per point | 0.5 cents per point |
| Petrol partner | Ampol / EG stations (4c/L fuel saver) | Shell / Coles Express |
| Frequent flyer | Transfer to Qantas (200:1) | Transfer to Velocity (200:1) |
| Linked credit card | ANZ Everyday Rewards (Oct 2025) | Coles Mastercard |
| App | Everyday Rewards app | Flybuys app |
| Members (approx.) | 13 million | 8.5 million |
How Points Work: The Same, But Different
Both programs have the same headline redemption rate: 2,000 points = $10 off your groceries (0.5 cents per point).
But the earn rates differ:
- Everyday Rewards: 1 point per $1 at Woolworths
- Flybuys: 1 point per $2 at Coles (on standard transactions)
At face value, Everyday Rewards earns twice as fast. But Flybuys runs frequent “bonus points” promotions on specific products through the app that can dramatically increase your earn on targeted items.
The practical result: If you actively use the Flybuys app to activate weekly bonus offers, the effective earn rate can be competitive with or exceed Everyday Rewards. If you don’t bother with the app, Everyday Rewards earns faster.
The Fuel Benefit: Where the Real Value Hides
Both programs offer petrol discounts that can be worth more than the grocery points.
Everyday Rewards Fuel Saver
- Earn a 4c/L discount at Ampol and EG service stations
- Triggered by hitting a weekly grocery spend threshold
- Stacks with your credit card rewards (you earn credit card points on the fuel transaction separately)
Annual value example: 50 fills × 60 litres × 4c = $120/year in fuel savings. Free. This alone justifies having the Everyday Rewards card in your wallet.
Flybuys Fuel Benefit (Coles Express / Shell)
- Earn bonus Flybuys points at Shell Coles Express stations
- 4c/L fuel discount available through Coles Express loyalty pricing (check current terms)
- Combined with Coles Rewards Mastercard for additional point stacking
The difference: Ampol/EG is a larger network than Shell/Coles Express in most Australian cities. Everyday Rewards fuel benefit reaches more people simply because there are more eligible stations.
The Frequent Flyer Angle
Both programs convert to frequent flyer points at the same ratio: 200 loyalty points = 1 frequent flyer point. But they convert to different programs:
- Everyday Rewards → Qantas Points
- Flybuys → Velocity Points
This matters. If you’re already a Qantas frequent flyer, Everyday Rewards is the natural fit. If you prefer Virgin/Velocity, Flybuys converts where it matters.
The conversion is poor either way: 200 loyalty points to earn 1 frequent flyer point is a 200:1 conversion — meaning the effective earn rate of grocery points for frequent flyer redemption is very low. You’re better off using a frequent flyer credit card for grocery spend if frequent flyer points are your goal.
The loyalty card scan and frequent flyer credit card are separate — scan your Flybuys/Everyday Rewards card AND pay with your credit card, earning both simultaneously.
Partner Ecosystems: Where Things Diverge
Everyday Rewards partners include:
- Woolworths, Big W, BWS (bottle shops)
- Ampol/EG fuel
- Everyday Pay (tap-to-pay app)
- Selected online partners
Flybuys partners include:
- Coles, Coles Express, Liquorland, First Choice Liquor, Vintage Cellars
- Shell fuel stations
- Kmart, Target (partial — check current terms)
- Various financial services partners
The strategic difference: Woolworths Group’s Everyday Rewards ecosystem (Woolworths + Big W + BWS + Ampol) covers more of the average Australian household’s spending. Coles Group’s ecosystem (Coles + liquor stores + Shell) is strong but narrower.
For families who shop at Big W regularly, Everyday Rewards has a structural advantage.
The Credit Card Partnership
Everyday Rewards — ANZ Partnership (October 2025)
Woolworths launched a credit card partnership with ANZ in October 2025. The ANZ Everyday Rewards cards earn bonus Everyday Rewards points at Woolworths Group stores.
This is a major development that most existing guides (written before October 2025) don’t cover. It closes the gap that previously existed between the two programs — Coles had its own banking product, Woolworths didn’t.
The ANZ partnership means you can now earn Everyday Rewards points faster at Woolworths while also earning credit card points on the same transaction.
Flybuys — Coles Mastercard
Coles has offered its own Mastercard (via Citibank) for years. The Coles Rewards Mastercard earns 2 Flybuys points per $1 at Coles (vs 1 point per $2 on the free card). See Best Credit Card for Coles and Flybuys → for the full analysis.
Which Program Should You Use?
Use Everyday Rewards if:
- You primarily shop at Woolworths, Big W, or BWS
- You fill up at Ampol or EG stations
- You’re a Qantas frequent flyer building points
- You want the higher base earn rate (1 pt/$1 vs 1 pt/$2)
Use Flybuys if:
- You primarily shop at Coles, Liquorland, First Choice, or Vintage Cellars
- You fill up at Shell/Coles Express
- You’re a Velocity frequent flyer
- You actively use the app for bonus product offers
Use both if:
- You shop at both chains roughly equally
- But commit to actively using at least one program’s app for bonus offers — passive membership in both is worse than active membership in one
Use neither if:
- You’re chasing frequent flyer points specifically — a dedicated frequent flyer credit card (Qantas Premier, NAB Qantas Signature, Amex Velocity earn) earns frequent flyer points far faster than converting from grocery loyalty points
The Stacking Strategy
Regardless of which program you use, the maximum value comes from stacking:
- Scan your loyalty card at checkout → earn Everyday Rewards or Flybuys points
- Pay with a rewards credit card → earn card points on the same transaction (the two earn streams are completely separate)
- Activate weekly bonus offers in the relevant app before shopping → multiply earn on targeted products
- Use the fuel benefit when filling up → 4c/L discount (Everyday Rewards) or bonus Flybuys points (Flybuys) on top of credit card earn
The biggest missed opportunity for most Australians isn’t choosing the wrong program — it’s not activating weekly app offers before shopping. These can be worth 5–10x normal earn rates on specific products.
Frequently Asked Questions
Can I use both Everyday Rewards and Flybuys?
Yes — there’s no restriction. You can be a member of both. The question is whether you’ll actively use both. Most people get more value from maximising one program than passively collecting from two.
Which program has more members?
Everyday Rewards has approximately 13 million members; Flybuys has approximately 8.5 million. Everyday Rewards is larger, reflecting Woolworths’ market position.
Can I transfer Everyday Rewards points to Flybuys or vice versa?
No. They are separate programs. Everyday Rewards converts to Qantas Points; Flybuys converts to Velocity Points. You cannot transfer between programs.
Are bonus point promotions worth activating?
Yes — consistently. Weekly product-specific offers (e.g., “Earn 10x points on X brand this week”) are often the highest-earn-rate mechanism in either program. Activating them before your weekly shop takes 2 minutes and can be worth more than base earn over an entire month.
Is the fuel benefit automatic?
For Everyday Rewards: you must hit the weekly grocery spend threshold to unlock the fuel saver. Check the app — it will show whether your fuel discount is active and for how many litres.
For Flybuys/Coles Express: verify current terms in the Flybuys app, as fuel benefits can change.
What happened to Woolworths Rewards (the old program)?
Woolworths rebranded its program to “Everyday Rewards” and significantly overhauled it. The ANZ credit card partnership in October 2025 was the latest major change. If you’re reading a guide that doesn’t mention Everyday Rewards or the ANZ partnership, it’s out of date.