Everyday Rewards vs Flybuys: Which Is Better in 2026?

Woolworths Everyday Rewards and Coles Flybuys are Australia's two biggest supermarket loyalty programs, with more than 9 million active members each. Both are free to join — yet Canstar research shows only about half of card holders actually use their program actively. Here's a clear comparison of both programs so you can decide which suits you — and how to stack them with cashback for maximum return.

At a Glance: Everyday Rewards vs Flybuys

Feature	Everyday Rewards (Woolworths)	Flybuys (Coles)
Cost to join	Free	Free
Base earn rate	1 point per $1 spent	1 point per $1 spent
Points to $10 voucher	2,000 points ($200 spend)	2,000 points ($200 spend)
Point value	~1 cent per point	~0.5 cents per point
Base return rate	~0.5% of spend	~0.5% of spend
Airline transfer	Qantas Frequent Flyer	Velocity (Virgin)
Supermarket partner	Woolworths, BWS, Big W	Coles, Liquorland, Kmart, Target, Officeworks
Fuel discount	Caltex/Ampol — 4c/L with $30 spend	Shell Coles Express — 4c/L with $30 spend

Earning Points: How They Compare

Base Earn Rate — Dead Even

Both programs earn 1 point per $1 spent on groceries. Both require 2,000 points for a $10 voucher. At the base rate, you're getting 0.5% back on your grocery spend — a modest but real return.

Bonus Earn Offers — Everyday Rewards Has the Edge

Where the programs diverge is in weekly bonus offers. Both apps push personalised "Boost" offers each week — but Woolworths tends to run more frequent and more generous Boost offers than Flybuys. Active Everyday Rewards users who regularly activate Boost offers can push their effective return rate to 2–5% on targeted products.

Check your app every Sunday when the new week's offers are loaded. Spending 5 minutes activating the right Boost offers before your shop is one of the highest-return uses of 5 minutes in personal finance.

Partner Earn — Flybuys Has Wider Reach

Flybuys partners with a broader range of non-grocery retailers: Kmart, Target, Officeworks, Liquorland, First Choice Liquor, Bunnings, and more. If you regularly shop at these stores, Flybuys's partner network adds meaningful points accumulation outside of grocery shopping.

Everyday Rewards partners include BWS, Big W, and selected fuel stations. A narrower network, but the stores many Australians use most frequently.

Point Value: Everyday Rewards Wins

Flybuys points are worth approximately 0.5 cents each, while Everyday Rewards points are worth approximately 1 cent each. This means for the same number of points earned, Everyday Rewards delivers twice the grocery dollar value.

However, Flybuys offers more redemption flexibility — points can be used for travel, merchandise, gift cards and experiences, whereas Everyday Rewards is primarily optimised for Woolworths grocery discounts.

Airline Transfers: Which Is Better?

Both programs allow transfer to frequent flyer programs:

• Everyday Rewards → Qantas Frequent Flyer: 2,000 Everyday Rewards points = 870 Qantas Points. If Qantas is your airline, this is valuable — Qantas Points are among the most useful in Australia for domestic and international redemptions.
• Flybuys → Velocity (Virgin Australia): Points transfer to Velocity. If you fly Virgin, this is the right program. Velocity also partners with Singapore Airlines KrisFlyer, adding international redemption options.

The best choice depends entirely on which airline you fly most. Qantas flyers should lean Everyday Rewards. Virgin flyers should lean Flybuys. If you fly both, sign up for both — they're free.

The Data Privacy Trade-Off

CHOICE research found that 4 in 5 loyalty program members think it's unfair to be charged more if you don't sign up. Both Woolworths and Coles use loyalty program data for targeted advertising — and share that data with retail partners. If data privacy is important to you, both programs involve a meaningful trade of shopping data for rewards. This is worth considering, particularly for Flybuys, which shares data across a larger partner network including Kmart, Target and Officeworks.

The Verdict: Should You Choose One or Both?

The clear answer for most Australians: sign up for both. Both are free, both take 2 minutes to join, and using both means you earn on every shop regardless of which supermarket you visit that week. There's no downside to holding both cards.

If you genuinely only shop at one supermarket and must choose:

• Choose Everyday Rewards if you shop primarily at Woolworths, value Qantas Points, and want more frequent Boost offers
• Choose Flybuys if you shop primarily at Coles, fly Virgin, or regularly shop at Kmart, Target, Officeworks or Bunnings and want to earn points there too

How to Maximise Value From Either Program

1. Activate Boost offers every Sunday — both apps refresh weekly offers on Sunday. Spending 5 minutes activating offers before your weekly shop is essential.
2. Use the fuel discount every time — both programs offer 4c/L off fuel with $30+ grocery spend. Use the voucher on every single fuel stop.
3. Stack with cashback — when ordering groceries online at Woolworths, use TopCashback Australia to earn cashback on top of your Everyday Rewards points. This is completely compatible — you earn both simultaneously.
4. Hit weekly spend thresholds — both programs offer bonus points for hitting a weekly spend target (e.g. earn 1,000 bonus points for spending $100 this week). If you're close to the threshold, consolidating a Coles purchase to Woolworths that week (or vice versa) to hit the bonus is worth doing.
5. Don't let loyalty override price comparison — the biggest trap in loyalty programs is shopping at a more expensive store just to accumulate points. A 0.5% return from points never compensates for a 10–20% higher price. Always check Aldi and the weekly specials — see our Aldi vs Coles price comparison for the full picture.

How Much Can You Actually Earn?

For a household spending $200/week on groceries:

• Base points earn: 200 points/week = ~$5 voucher per month ($60/year)
• With Boost offers activated weekly: effectively $10–$20/month ($120–$240/year)
• Plus fuel discounts (1 fill per week at 4c/L): ~$80–$120/year
• Total combined value: $200–$360/year from free loyalty programs

Stack this with cashback from TopCashback on online grocery orders and you're adding another $80–$130/year on top. Combined, that's $280–$490/year in free value from tools that cost nothing to use.