Verdict up front: Neither program is objectively “better” – the right answer depends entirely on where you actually shop. Woolworths shoppers should commit to Everyday Rewards. Coles shoppers should commit to Flybuys. If you split your shopping evenly, pick the program whose partner ecosystem (fuel, liquor, department stores) better matches the rest of your spending. The mistake most Australians make is signing up for both and not maximising either – collecting tiny balances in both apps for years without ever redeeming meaningful value.
Last updated: June 2026 | [Affiliate disclosure: I earn a commission if you apply via the credit card links on this page – it never affects my analysis.]
Australia’s two biggest supermarkets have been in a loyalty points war for decades. Woolworths Group runs Everyday Rewards (formerly Woolworths Rewards). Coles Group runs Flybuys. Both have around 8–13 million members, both redeem at roughly 0.5 cents per point, and both want you to be loyal to one supermarket forever.
Neither will give you a straight answer about which is “better.” Their websites are designed to keep you in their ecosystem, not help you choose between them. So here’s the honest comparison.
I’ll lead with the conclusion most guides bury: the two programs are very close in raw value. The real differences are in the partner ecosystem and the fuel benefit. The right choice for you is whichever ecosystem matches where you actually spend your money.
The programs at a glance
| Feature | Everyday Rewards | Flybuys |
|---|---|---|
| Operator | Woolworths Group | Coles Group |
| Currency | Everyday Rewards points | Flybuys points |
| Base earn (supermarket) | 1 point per $1 at Woolworths | 1 point per $2 at Coles |
| Standard redemption | $10 off at Woolworths (2,000 pts) | $10 off at Coles (2,000 pts) |
| Point value (standard) | 0.5 cents per point | 0.5 cents per point |
| Petrol partner | Ampol / EG (4c/L fuel saver) | Reddy Express, formerly Coles Express (app-based fuel offers) |
| Frequent flyer transfer | Qantas Points (2,000 ER → 1,000 QFF) | Velocity Points (1,000 Flybuys → 500 Velocity) |
| Linked credit card | ANZ Rewards conversion (Oct 2025) + Westpac Altitude | Coles Mastercard (issued by NAB) |
| App | Everyday Rewards app | Flybuys app |
| Members (approx.) | 13 million | 8.5 million |
The earn rate gap is real, but it’s not the whole story
At first glance, Everyday Rewards earns twice as fast: 1 point per $1 at Woolworths vs 1 point per $2 at Coles.
If both programs were just “scan and earn at full base rate,” that’d be the end of the comparison. They’re not. Flybuys leans heavily on the bonus points offer model – the Flybuys app constantly runs targeted promotions like “Earn 10x points on this brand this week” or “5,000 points if you spend $50 on these categories.” If you actively use those, your effective earn rate at Coles can match or even exceed Everyday Rewards.
The catch: you have to remember to activate the offers in the app before you shop. Most people don’t.
My take: if you’re the type to open the Flybuys app every Wednesday and activate the week’s offers, Flybuys earns competitively with Everyday Rewards. If you’re not, Everyday Rewards’ higher base rate wins by default. Be honest with yourself about which type you are.
The fuel benefit: where the real value hides
Both programs offer petrol discounts that can be worth more than the grocery points themselves. This is the most under-used feature in both ecosystems.
Everyday Rewards fuel saver
- What it is: 4c/L discount at Ampol and EG service stations
- How you earn it: hit the weekly grocery spend threshold at Woolworths
- Annual value: ~$120/year on a typical household (50 fills × 60L × 4c = $120)
This stacks with credit card points on the same fuel transaction. The fuel saver is a discount applied at the pump, not a payment method – you still pay with your credit card and earn full card points on the discounted total.
Flybuys fuel benefit (Reddy Express, formerly Coles Express)
- What it is: Flybuys points on fuel purchases plus periodic app-based fuel discount offers at Reddy Express stations (Viva Energy rebranded the Coles Express network)
- How you earn it: scan Flybuys at Reddy Express; the old always-on 4c/L docket has been progressively replaced by targeted offers in the Flybuys app – check what’s active before you rely on it
- Annual value: varies with the offers you catch – typically less predictable than the Everyday Rewards side
The structural difference: Ampol/EG has more service stations than Reddy Express in most Australian capital cities, and the Everyday Rewards 4c/L voucher is still a standing benefit while the Flybuys side has moved to campaign-based offers. On fuel, Everyday Rewards currently has the more dependable deal.
For more on stacking fuel benefits with credit card points, see Best credit card for petrol.
The frequent flyer angle: better than most people think, slower than the airlines imply
Both programs convert to frequent flyer points at the same effective ratio – 2 loyalty points for 1 frequent flyer point:
- Everyday Rewards → Qantas: 2,000 ER points = 1,000 Qantas Points
- Flybuys → Velocity: 1,000 Flybuys points = 500 Velocity Points
Here’s the comparison that actually matters. The same 2,000 Everyday Rewards points can be either $10 off your shop or 1,000 Qantas Points. Redeemed well on a domestic flight, 1,000 Qantas Points are worth roughly $10–$15. So converting isn’t a trap – for anyone who’ll actually use the flight points, it can modestly beat the grocery redemption, and both programs periodically run transfer bonuses (15–25% extra) that tip the maths further toward converting.
What you shouldn’t do is plan to fund a holiday from grocery scanning. At 1 ER point per $1, a ~16,000-point Sydney–Melbourne return reward seat costs 32,000 ER points – that’s $32,000 of Woolworths spend. Real, but slow. At Coles it’s slower still: $1 earns 0.5 Flybuys points, which is 0.25 Velocity Points.
My take: the conversion is a fair-value option, not a strategy. If frequent flyer points are your goal, earn them directly with a frequent flyer credit card, and treat the loyalty conversion as a top-up – ideally during a transfer bonus.
The actual play: scan your loyalty card at the checkout AND pay with a frequent flyer credit card. The two earn streams are independent. You earn loyalty points from the scan and frequent flyer points from the card transaction. Stack both; convert when a bonus makes it worthwhile.
Partner ecosystems: where the programs actually differ
The headline earn rates are close. The redemption value is identical. The frequent flyer conversion is bad in both. So what actually differentiates the two programs is who else accepts your points.
Everyday Rewards partners
- Woolworths supermarkets
- BIG W
- BWS (bottle shops)
- Ampol / EG fuel
- Everyday Pay (tap-to-pay app)
- Selected online partners
Flybuys partners
- Coles supermarkets
- Reddy Express (formerly Coles Express) fuel stations
- Liquorland, First Choice Liquor, Vintage Cellars
- Various financial services and online partners
(Kmart and Target have shifted their loyalty focus to Wesfarmers’ OnePass – don’t count them as reliable Flybuys earners anymore.)
My take: Woolworths Group’s ecosystem is broader for general household spending – Woolworths + BIG W + BWS + Ampol covers a lot of typical week. Coles Group’s ecosystem leans into liquor.
The right answer depends on what you buy beyond groceries. Heavy drinker who shops at Liquorland or First Choice? Flybuys earns on top of your booze run. Family with kids who buys clothes and household goods at BIG W? Everyday Rewards stretches further.
The credit card partnerships
This is where the gap between the programs has narrowed in 2026.
Everyday Rewards – ANZ partnership (October 2025)
Woolworths launched a loyalty partnership with ANZ in October 2025. ANZ Rewards points now convert to Everyday Rewards points – 2,700 ANZ points become 2,000 Everyday Rewards points, which equal $10 off at Woolworths. Westpac Altitude, St George, Bank of Melbourne, and BankSA also partner with Everyday Rewards.
This was a major change that closed a structural gap – Coles had its own banking product for years; Woolworths didn’t. Now Everyday Rewards has multiple bank partners feeding into the same currency.
For the full breakdown of which cards work best with Everyday Rewards, see Best credit card for Woolworths.
Flybuys – Coles Mastercard (issued by NAB)
Coles has offered its own Mastercard for years. The Coles Rewards Mastercard ($99/year) earns 2 Flybuys points per $1 on eligible purchases up to $3,000 per statement period, then 1 point per $1 up to $8,000 – wherever you shop, not just at Coles. The free Coles No Annual Fee Mastercard earns at a quarter of that rate (1 point per $2).
For the full Coles card analysis, see Best credit card for Coles and Flybuys.
My take: the credit card partnerships have made both programs more flexible. Everyday Rewards is now backed by major banks, which is genuinely useful. The Coles Mastercard ecosystem is older and more limited, but the Coles No Annual Fee Mastercard remains the easiest way to earn Flybuys passively without committing to the program’s quirks.
Use Everyday Rewards if…
- You primarily shop at Woolworths, BIG W, or BWS
- You fill up at Ampol or EG stations regularly
- You’re a Qantas frequent flyer (the Qantas conversion is bad, but if you’re already in that ecosystem, your loyalty earn is at least going to a relevant program)
- You want a higher base earn rate (1 pt per $1 vs 1 pt per $2 at Coles) without having to manage app offers
Use Flybuys if…
- You primarily shop at Coles, Reddy Express, Liquorland, First Choice, or Vintage Cellars
- You fill up at Reddy Express (formerly Coles Express)
- You’re a Velocity / Virgin frequent flyer
- You’ll actively use the Flybuys app each week to activate bonus offers (this is where Flybuys often wins on effective earn rate)
Use both if…
- You shop at both chains roughly equally – but commit to actively using one program’s app for bonus offers. Passive membership in two programs earns you less than active membership in one.
- You’re a couple or family with one Woolworths-shopper and one Coles-shopper – most apps allow one account per household, so you can functionally split coverage.
Use neither (or stop trying to maximise both) if…
- You’re chasing frequent flyer points specifically – get a dedicated frequent flyer credit card and earn directly. Grocery conversion is a top-up, not a strategy.
- You shop at independent grocers, ALDI, Costco, or farmers’ markets more than Coles/Woolworths – neither program will reward you meaningfully
- Tracking points and offers stresses you out – the maximum any normal household can extract from these programs is $300–$500/year. That’s real money, but it’s not life-changing. If managing the apps adds friction to your life, it’s reasonable to skip them.
The stacking strategy (whichever program you pick)
Maximum value comes from stacking, not from the loyalty program alone:
- 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 (independent earn streams)
- Activate weekly bonus offers in the app before shopping → multiply earn on targeted products
- Use the fuel benefit when filling up → 4c/L discount or bonus loyalty points on top of credit card earn
- For online orders, click through a cashback platform (ShopBack, TopCashback, or Aura) → earn cashback on top
My take on the stacking: the biggest missed opportunity isn’t picking the wrong program. It’s not activating weekly app offers before shopping. These can be worth 5–10x normal earn rates on specific products. Two minutes a week, real money over a year.
The one question that decides it
Where are you most often standing in a queue with groceries?
- Woolworths → Everyday Rewards. Get an ANZ Rewards Black or Westpac Altitude card to layer credit card points on top.
- Coles → Flybuys. Get a Coles Mastercard or Amex Platinum Edge depending on your spend level.
- Both, equally → pick whichever fuel network is closer to home (Ampol/EG vs Reddy Express) and commit to that program. Use the other supermarket without obsessing over the loyalty card.
- Neither → don’t sign up for either. The maths only work if you’re already a regular customer.
FAQ
Can I use both Everyday Rewards and Flybuys?
Yes – there’s no restriction on being 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. Pick one to focus on; treat the other as a passive scan when you happen to be in the wrong supermarket.
Which program has more members?
Everyday Rewards has approximately 13 million members; Flybuys has approximately 8.5 million. Everyday Rewards is larger, reflecting Woolworths’ overall market position.
Can I transfer Everyday Rewards points to Flybuys or vice versa?
No. They’re separate programs with separate currencies. Everyday Rewards converts to Qantas Points (2,000 ER points = 1,000 Qantas Points); Flybuys converts to Velocity Points (1,000 Flybuys = 500 Velocity). You cannot transfer between the two loyalty programs directly.
Are bonus point promotions worth activating?
Yes – consistently. Weekly product-specific offers (“Earn 10x points on X brand this week”) are usually the highest-earn-rate mechanism in either program. Activating them before your weekly shop takes 2 minutes and can be worth more than your base earn over an entire month.
Is the fuel benefit automatic?
For Everyday Rewards: spend $30+ in a single Woolworths shop with your card scanned and a single-use 4c/L voucher loads to your account, redeemable at Ampol/EG stations. The app shows whether a discount is active. For Flybuys/Reddy Express: fuel benefits are now mostly campaign-based offers in the Flybuys app – verify what’s currently active before relying on one.
What happened to Woolworths Rewards (the old program)?
Woolworths rebranded its loyalty program to “Everyday Rewards” several years ago and overhauled the earn structure. The October 2025 ANZ credit card partnership is the latest major change. If you’re reading a guide that doesn’t mention Everyday Rewards specifically or the ANZ partnership, it’s out of date.
Is the conversion to Qantas / Velocity worth it?
It’s a fair-value option if you redeem the flight points well. 2,000 Everyday Rewards points = $10 off groceries or 1,000 Qantas Points (worth roughly $10–$15 on a good domestic redemption) – so converting can modestly beat the grocery redemption, especially during 15–25% transfer bonus promotions. What it isn’t is fast: a Sydney–Melbourne return reward seat (~16,000 Qantas Points) takes about $32,000 of Woolworths spend to earn through scanning alone. Use a frequent flyer credit card as your main earner and treat loyalty conversion as a top-up.
← All guides | Best card for Woolworths → | Best card for Coles → | Best card for petrol → | Hub: best rewards card if you don’t fly business class →
This article is general information only. Loyalty programs and credit card partnerships are subject to change without notice – earn rates, redemption values, and fuel benefits are accurate at time of publishing. Read the current terms on the Everyday Rewards and Flybuys websites before relying on specific offers. I earn a commission if you apply for credit cards via the affiliate links on this page; loyalty program memberships are free and earn me nothing.
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