Coles MasterCard or Woolworths Money Everyday credit card which is better for your hip pocket?

Information verified correct on September 29th, 2016

Comparing Supermarket Credit Cards

Are you a dollar-conscious shopper willing to go where the most competitive supermarket rewards credit card will give you the most benefit? Read this comparison to decide whether Coles’ or Woolworths’ offering cuts it for you. But remember, conditions apply to both cards and rewards schemes.

How the reward system works

Coles credit card

As soon as you start shopping at Coles Group stores you will start earning flybuys points at the rate of 1 point for every dollar spent on eligible transactions (excludes balance transfers, cash advances, credit fees and charges, refunds, and business purchases). You will also earn extra at flybuys participants including Liquor Land, K-Mart and Bi-Low.

Woolworths credit card

  • Earn 3 points for each dollar spent on Woolworths Select products purchased at Woolworths/Safeway Supermarkets.
  • Earn 2 points for each dollar spent on non-Woolworths Select goods at Woolworths/Safeway Supermarkets, and for purchases you make at Caltex, Safeway Liquor, Dick Smith Powerhouse and participating Tandy and Dick Smith Electronics stores.
  • Earn 1 point for each dollar spent on every other purchase.

At 4 month intervals you’ll receive a shopping card (provided you’ve earned enough points) which basically acts as a gift card for Woolworths or partnering stores listed below. Points are redeemable for practically anything: electronics, groceries and petrol. The shopping card expires 3 months from the date it’s sent.

The minimum shopping card value is $20 (3,448 points) and it’s then offered in $5 increments (862 points). Leftover points at the end of a 4 month period will remain available for redemption in the next rewards period.

Where to spend to receive reward points

Coles credit card

Spend at least $30 in one transaction in Coles, Bi-Lo or Liquorland (excluding Coles Express, Coles online, Liquorland Direct and Kmart) stores and receive flybuys points.

Woolworths credit card

Woolworths/Safeway or partnering stores such as:

  • Dick Smith
  • Tandy
  • Safeway Liquor
  • Caltex Woolworths
  • Caltex Safeway
  • Liquor Woolworths
  • BWS
  • Dan Murphy’s
  • Thomas Dux

Extra Benefits

Coles credit card

If you are a flybuys member, you can earn 1 flybuys points for every $1 you spend on your Coles MasterCard at Coles groups stores. However, no flybuys points are allocated for purchases you make on this card at non-Coles group stores. These points can be used for products and purchases as well, not just flights. With every 2,000 points earned, you receive a $10 discount on your grocery shopping at Coles Supermarkets and Coles Express.

Woolworths credit card

Choose from four different coloured cards.

Cardholders can pay for fuel using the epump facility at Caltex Woolworths/Safeway co-branded fuel outlets, and get back on the road faster.

Awards

Coles credit card

Money Magazine’s Best of the Best award now for four years in a row.

Woolworths credit card

Money Magazine’s Best Innovative Product 2009.

Find out more or apply for Coles MasterCard or Woolworths Money Everyday Credit Card.

Read other reviews for the Woolworths credit card and Coles credit card.

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Credit Cards Comparison

Rates last updated September 29th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
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Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
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HSBC Platinum Credit Card
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* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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