flybuys Fast Track

Fast track your flybuys rewards with Coles Financial Services

Take up one or more Coles Insurance products or credit products to see your flybuys points stack up faster than ever before. The more products you have, the faster you collect, so why not put yourself on the path to bigger and better rewards?

How it works          See the products


Learn about our range of great products


Combine products to start fast tracking


Shop with flybuys partners to collect even faster!


Explore flybuys Fast Track…

Try different combinations of Coles Insurance or credit card products below to see how much faster you could collect flybuys points when you shop at Coles Supermarkets.

Select one to get started.

You could get $10 off every
20 weeks
when you spend $100 at Coles Supermarket

Every time you redeem 2,000 flybuys points**

How is this calculated for a $100 weekly Coles shop?

Select your Coles weekly shopping amount: - results shown above

  • Earn flybuys faster
  • Earn flybuys one and a half times faster
  • Earn flybuys two times faster
  • Earn flybuys two and a half times faster
  • Earn flybuys three times faster
  • Earn flybuys three and a half times faster
  • Earn flybuys four times faster
  • Earn flybuys four and a half times faster
  • you can earn flybuys 5 times faster
  • Earn rewards six times faster

Use a Coles Credit Card to shop with other flybuys partners and you’ll collect points even faster!

rewards mastercard with flames behind it

Coles Rewards Mastercard

The Coles Rewards Mastercard is the fastest way to collect flybuys points1. With a low annual fee you’ll collect points at three times the speed, and collect bigger and better rewards in no time.
Better yet, if you use your Coles Rewards Mastercard to shop with other flybuys partners, you’ll collect points even faster!

Find out more            

Coles Comprehensive Car Insurance

Switch to Coles Comprehensive Car Insurance for quality cover with all of the features you expect, and none of the hassle. With flybuys EXTRA POINTS^, you could also double your collecting speed whenever you shop at Coles Supermarkets and be on your way to earning bigger, better rewards… just like that.

Find out more       Get a quote

Earn rewards 2 times faster
Earn rewards 2 times faster

Coles Home Insurance

Choose one of our home insurance products designed to give you peace of mind, and with flybuys EXTRA POINTS^ collect points twice as fast on every shop at Coles Supermarkets. We’ll cover your home for fire, flood, storms, water damage, theft and more.

Find out more      Get a quote

Coles Personal Loans

Coles Personal Loans is the only personal loan where you can collect flybuys points!~ With no exit fees and the ability to reuse your available credit*, Coles Personal Loans are here to help you get what you want sooner – and collect EXTRA POINTS along the way!~

Find out more         Get Started


Earn rewards six times faster

Get started

Now you know everything there is to know about flybuys fast track, use our interactive tool to see how it works or apply straight away. We’re proud to help you speed down the road to bigger and better rewards.
Remember, if you use a Coles Credit Card when you shop with flybuys partners, you’ll collect points even faster!

Start fast tracking now!

Terms & conditions

^ flybuys EXTRA POINTS are earned from the date your flybuys membership is linked to your Coles Insurance policy and for the term of the policy. No flybuys EXTRA POINTS will be earned for the month in which your policy terminates. No EXTRA POINTS collected on any third party car insurance policies. Standard flybuys Terms and Conditions apply. flybuys EXTRA POINTS are earned on transaction balance after savings and discounts and excluding gift cards and smoking/tobacco product purchases. Coles means Coles Supermarkets, BiLO and Coles online only. Maximum 1,000 EXTRA POINTS per policy per month.

~ flybuys members currently collect 1 flybuys point for every dollar spent at Coles. flybuys members who hold a Coles Personal Loan and have linked their loan to their flybuys membership will collect +1 EXTRA POINT on every dollar spent at Coles for each Loan whenever they scan their flybuys card. flybuys members do not collect flybuys points on the spend amount made on their Coles Personal Loan. Maximum 1,000 EXTRA POINTS per loan per month. flybuys EXTRA POINTS are collected from the date you activate your Coles Personal Loan and it is linked to your flybuys membership. No flybuys EXTRA POINTS will be collected for the month in which your loan ends. This offer can be withdrawn at any time. Standard flybuys Terms and Conditions apply. flybuys EXTRA POINTS are collected on transaction balance after savings and discounts and exclude gift cards, iTunes cards, tobacco and tobacco related purchases. Coles means Coles Supermarkets and Coles online only.

* Payment of the monthly instalment enables you to pay off your Coles Personal Loan within your initial chosen loan term. You can choose to reuse credit up to your approved credit limit. Any use of the reusable credit facility will require additional monthly repayments on your loan. There will be no end date of your personal loan whilst you continue to use your reusable line of credit. For the full terms and conditions of your instalment loan, please refer to the Coles Personal Loans Unsecured Credit Terms and Conditions and Other Important Information.

**2,000 flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express, Coles Local and Coles online. Minimum spend is $10.05 after savings and discounts in one transaction at Coles Supermarkets and BI-LO (excluding smoking/tobacco related product purchases and all gift cards)

1 flybuys points awarded for using a Coles Mastercard linked to your flybuys membership are in addition to flybuys points awarded by flybuys partners. The number of flybuys points awarded is calculated by reference to the Australian dollar amount of the transaction. flybuys points will be allocated by flybuys in accordance with the flybuys terms and conditions. Flybuys points are earned on Eligible Transaction as defined in the Coles Mastercard Rewards Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges, transactions made using flybuys points and government related transactions. Whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution. Standard flybuys Terms and Conditions apply, see Note that partners’ earn rates vary.

Coles Credit Cards and Personal Loans Coles is a registered trademark of Coles Supermarkets Australia Pty Ltd. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Coles unsecured credit products are issued by Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098 Australian credit licence 238098 and distributed by Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708. Coles receives commission for the introduction of credit business to Citigroup.
Coles Car, Home and Landlord Insurance. Coles Supermarkets Australia Pty Ltd and Loyalty Pacific Pty Ltd are authorised representatives of the issuer, Insurance Australia Limited (ABN 11 000 016 722 AFSL 227681).

Standard underwriting criteria apply. Coles receives commission for each insurance policy sold. Consider the Product Disclosure Statement and terms and conditions available here to see if it’s right for you. Any advice provided is of a general nature only and does not take into consideration your objectives, financial situation or needs. Before acting on any advice you should consider its appropriateness.