Monday, March 7, 2011

Loyalty programs and their points

Since I am doing a $100 Christmas this year and am looking at ways to earn extra gift cards to use (if only we had as many options as those in the USA!)

So I decided to compare the different loyalty clubs I have anything to do with to compare their rewards system and see which work out better for me.

Firstly I decided to look at the groceries. I actually shop where ever is cheapest, and these ‘loyalty’ schemes do not persuade me as to where I will shop but I thought it would be interesting to compare.

The 3 main grocery ones I know of for Australia are Fly Buys, Franklins and Every Day Rewards (Woolworths)

With Fly Buys you can accrue points from Coles, Target, K-mart, Bi Lo, Curves, Best Western and a few other places. For the most part you get 2 points for every $5 (thats at the retail/grocery stores). You need 2600 points to cash out a $20 Fly Buys gift card (which can be used at their affiliated stores). Working this out you need to spend $6,500 to get $20. Each $1 you spend is worth $0.003. woo hoo.

Next is Woolworths where your points can be accrued as Qantas Frequent Flyer points. You can earn points at Woolworths, Big W, BWS and Dick Smith. You earn 1 point for every dollar you spend over $30 in a transaction, or over $50 at Dick Smith. If you spent $200 a week (I spend less, but will use this) thats 170 points a week. It would take 22.05 weeks to accrue enough points, or $4411.50 for a $25 voucher. You need 2750 points for a $25 Qantas Frequent Flyer Store card. (Alternatively you can keep accruing points for flights and things.) So each $1 you spend is worth $0.005. Better than FlyBuys, but still not awesome.

Last up is Franklins. You can only accrue and redeem points from this loyalty club with Franklins. 2000 points can be redeemed for a $20 Franklins card, and you can redeem at as little as 500 points for $5. It can be taken off your groceries at the counter too. So spend $2000 and get a $20 voucher. Certainly looks better than the others, but it is very limited. $1 you spend is worth 1c!! Wow, we finally hit the 1cent mark for rewards!

Now, these are just the basics. With each of the programs there are bonus points for different things you buy, or bonuses for signing up to their credit card or whatever. What I have written above is the very, very basics.

With what we spend if I did it all at Franklins (which I don’t) I could get 2 $20 gift cards. Not holding my breath about earning vouchers for Christmas this way.

All my other ‘loyalty clubs’ don’t really offer gift card rewards and I don’t really spend enough anywhere to earn points.

I know there are many out there for almost every store, but since I can get most of what I need online for cheaper or at stores without loyalty clubs which are really not worth it, I don’t use them.

Prior to this I never really thought about which loyalty club works out better, but then I supposed for me it is not a large enough factor in my groceries as I prefer to save the cash rather than cash points by shipping smartly.

What loyalty clubs are you a member of?
(I’m based in Australia, so Aussie ones would be awesome, though I am working on convincing my hubby we should live in The States for a year, he’s a citizen, so any clubs would be good.)


  1. Hello! New follower from blog hop. Would love for you to follow me back.

  2. I'd love to live in the US - they have excellent loyalty programs and great prices too. I use Flybuys and the qantas frequent flyers woolworths card too. Not sure of any others.

  3. I'm stopping by and following you from Mingle Monday. I hope you'll check out my blog Frazzled Mama at and follow me back.

  4. Flybuys! You can get the cheapest stuff at Coles...although some items are cheaper at Aldi. Does Aldi have a loyalty program? Haven't heard of it.

  5. Don't they DanniBeauty! If we ever go, I will be hooking up with everything! lol.

    Marie, I wish Aldi had a loyalty program. I used to think Coles had all the cheapest prices, but after more research I found it really depends on the item and with specials Coles and Woolworths have pretty much the same specials alternating.

    BUT with flybuys its easier to accrue points if you shop at the other stores as well.


  6. I really miss Woolworths. They closed down their branches all over England but we can still buy online. Such a great shop.

    Came via Mingle Monday.
    CJ xx

  7. At work we have a little agreement that if u r buying from a store and u don't have a loyalty card but someone else does u use thiers.
    for example, I am a jeanswest member and one of the guys brought a new outfit and used my card so I have hit the mark to get 15% now when I buy there.
    Also signing up has birthday vouchers for lots of places too. So I got a $20 voucher from BNT just for having my birthday!

    Just a couple of ideas...

  8. Wow, when you lay it out like that its quite ridiculous actually! I use my everyday rewards card to collect qantas ff points and we have a Citibank credit card that we accrue points on and then buy big ticket items with Myer vouchers! Other than that I just shop around for the best deal and try to put everything on the credit card (money paid in weekly from current account) because those rewards are the most useful in that you can redeem them for gift vouchers for most of the big retailers.

  9. Interesting how you mention the regular specials being the same across the different supermarkets. Here's the insider tip; the specials are all the same because they are funded by the company offering the product; ie if Mars bars are on special it is because Mars are supplying them to the supermarket (or service station) at a reduced price to fund the special.

    Also interesting that a lot of people at the moment are comparing the benefits of living in the USA to here in Australia. Most seem to be picking out the benefits only, cheaper cars, better shopper loyalty programs, shopping coupons, etc. Why are so many people skipping over the fact that the minimum wage in the USA is about 60% less than in Australia? That there is much better free access health care in Australia?

  10. Thanks for your tip/insider info Anita. :)

    Inregards to the USA, yes for most the minimum wage is much less than here. My husband would get the same wage through his company, plus we could sell our house here and with the profit buy 2 near his family mortgage free, so for us it would be good. It is not for everyone though.

    Healthcare is not always free and the wait for free health care can be extremely long. Although, if I were having another baby I would choose here over there for healthcare.

    I think there are pros and cons for everywhere. For us, there are many benefits to living in the USA, but there aren't for everyone.

    The grass is always greener right? lol


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