(Last Updated May 2025)
Let’s dive into practical strategies to maximise loyalty points through everyday spending at major Australian programs like Woolworths Everyday Rewards, Coles Flybuys, Velocity Frequent Flyer, and a few other local schemes. The goal: turn routine shopping into real savings or rewards, whether that’s $10 off your next grocery shop or a nearly-free family flight – all without overspending a cent beyond your needs.
The Everyday Rewards Effect: Woolworths’ Points for Essentials
Woolworths’ Everyday Rewards program (formerly Woolworths Rewards) is one of Australia’s largest loyalty schemes, with over 14.5 million members by late 2023. It’s popular for a reason: it directly converts your supermarket spending into savings. Every $1 spent at Woolworths supermarkets, Big W, or BWS earns 1 point, and 2,000 points = $10 off at the checkout. In plain terms, that’s a base return of 0.5% – modest, but it adds up when you’re spending hundreds per month on necessities.
Redemption options: Most families opt to redeem points for cash discounts on groceries, effectively cutting their bill. 2,000 points gives $10 off your bill, automatically applied whenever you choose. Alternatively, you can convert 2,000 points into 1,000 Qantas Frequent Flyer points if you’re saving for travel. (We’ll discuss later when that might be worthwhile.) There’s also a “bank for Christmas” setting – many Aussies let points accumulate all year and then redeem in December, offsetting the expensive holiday grocery runs or gift shopping spree with a nice lump sum of $50, $100 or more in savings.
New in 2025: Everyday Rewards has been expanding. Partnerships now extend beyond groceries – for example, members can earn points on Ampol fuel purchases, certain Origin Energy plans, even health insurance like Bupa. (Be cautious: don’t switch providers purely for points unless the rates stack up). Woolworths has also introduced an in-app Everyday Rewards Shop where you can spend “Rewards dollars” on products. For most on tight budgets, though, the bread-and-butter remains grocery points and fuel discounts.
Fuel savings: One perk of Everyday Rewards is the fuel discount voucher. Spend $30 in a Woolworths supermarket and you get a fuel discount (typically 4¢ per litre) at participating Ampol petrol stations. That’s an instant saving of $2.00 on a 50L fill. It’s automatic when your Rewards card is linked – no paper dockets needed. In some cases, partner tie-ups have boosted this to 6¢ per litre for members (for instance, through RACV or promos), but 4¢ is the general rule. Scan your card at the bowser to knock a few dollars off each tank; it’s essentially free money for doing what you already do – buying groceries. Tip: If you also have access to discounted Woolworths/Ampol gift cards (via NRMA, RACV etc.), you can pay with those and still collect points and fuel savings, stacking one saving on another. PressPay also provides most PressPay Shop cards from 0% fees so you can use those too if you need to get some groceries before payday.
Points boosters: The real acceleration with Everyday Rewards comes from bonus point offers, not the base 0.5%. Woolworths is known for targeted “boost” promotions via the app or email. For example, you might get “Collect 6,000 extra points when you spend $60 each week for 4 weeks” – that’s an extra $30 value for meeting your usual budget over a month. Another common promo: “Spend $50 in one shop, get 10x points on that shop.” Always activate these boosters in your Everyday Rewards app before shopping. They can dramatically raise your earn rate – often equating to a 10–20% rebate in points on the promo spend, without spending a dollar more than you planned.
Everyday Rewards also runs product-specific bonuses: e.g. “Buy 2 packs of Huggies, get 1,000 points” or “Earn 5x points on fresh veggies this week.” If these align with your needs, take advantage. A young Werribee family I spoke to recently times their bulk buys around such offers – “We waited for a 5x points on meat week to stock up the freezer,” the dad told me, “and those points turned into $20 off our next shop.” The key is planning purchases around the promotions, not vice versa. Don’t buy quinoa chips you won’t eat just because they’re offering 300 bonus points; stick to items you truly need and enjoy the points as a cherry on top.
Case in point – Werribee family: Let’s put this into perspective. Meet the Singhs of Werribee, VIC – a couple with two kids, living on a tight budget. They spend about $400 a week on groceries, almost all at their local Woolies. By diligently scanning their Everyday Rewards card and leveraging offers, their points pile up. Here’s a rough monthly breakdown:
- Base points: $400/week = ~1,600 points per month (worth $8).
- 4-week booster promo: They recently got “Spend $100/week for 4 weeks, get 6,000 points” – and since they easily spend $400, they qualified and pocketed 6,000 bonus points(worth $30).
- Product bonuses: By activating all “boosters” in the app, they snagged another ~1,000 points on odds and ends (e.g. a twice points on pantry staples offer).
- Total for the month: ~8,600 points, which is $43 in rewards (they choose the money-off option).
For a family stretching every dollar, that $43 covers a whole extra box of nappies and a few school lunches – not trivial at all. In effect, the Singhs got about a 2.7% rebate on their $1600 monthly spend via points. It didn’t cost them anything extra; it simply required paying attention to Woolworths’ offers and timing their usual shopping to hit the marks. Importantly, they’d have spent that $1600 regardless – the points are pure bonus value.
Everyday Extra for power-users: If you’re a heavy Woolies shopper (say > $100 a week), consider the “Everyday Extra” subscription. For a $70 annual fee (or $7 monthly), you unlock 10% off one Woolworths shop and one Big W shop each month, plus double points on all purchases. Many budget-conscious families find this pays for itself quickly: e.g. 10% off a single $300 stock-up saves $30 in one go. Over 12 months those monthly discounts could total up to $360 off (capped at $500 spend per discount)– a significant saving – and you earn points faster on every shop. Be mindful that Woolworths did raise the price (from $59 to $70) and briefly cut back online redemption (sparking a customer backlash). But as of May 2025, they’ve kept the 10% perk, making Everyday Extra a valuable tool if you can afford the upfront fee and do large monthly shops. For the Singhs, signing up was a no-brainer: “We saved $50 on our first big shop with the 10% off,” Mrs. Singh said, “and all our points from that shop tripled.” Just avoid the temptation to overspend because you have a discount – keep your list tight and enjoy the lower total.
Flybuys: Coles and Beyond – Turning Trolleys into Perks
Over at Coles, the Flybuys program offers similar rewards with a broader partner network. Flybuys also awards roughly 1 point per $1 at Coles supermarkets (and Liquorland, First Choice Liquor, etc.), with 2,000 points = $10 off at checkout, again a 0.5% base. But Flybuys shines in its versatility: it spans not just Coles but Kmart, Target, and even Bunnings and Officeworks for eligible purchases. This means every part of your household budget – groceries, school supplies, clothes, even DIY supplies – can funnel into one points pool.
Wider earn opportunities: As of 2025, you can scan your Flybuys card at Bunnings and Officeworks to earn points on purchases. If you’re grabbing a $50 kettle at Officeworks or $200 in paint and plants at Bunnings, that’s 50 or 200 points back. It’s seamless and newly introduced – a win for families who routinely hit those stores for projects or back-to-school. Similarly, Kmart and Target are on Flybuys; your winter kids’ clothes haul or new toaster from Kmart will contribute to your points. Even Coles Express (Shell) petrol is part of Flybuys, though note the earn rate: 1 point per $2 on fuel at Coles Express. (Coles Express also lets you choose 4c/litre off or 8 points per litre with a Coles docket– more on fuel later.)
Stacking and offers: Much like Woolies, Coles Flybuys regularly sends targeted bonus offers. In fact, the Coles 4-week challenge is almost legendary: “Spend $x each week for 4 weeks, get 10,000 Flybuys points”. 10,000 points equals $50 off your shop– a huge incentive. The catch is “x” varies per household based on past habits (it might be $50 for some, $120 for others). If you can meet the target without strain, these promos yield an effective 12.5% rebate on four weeks of spending (50 on 400). One savvy OzBargain user pointed out this is “effectively saving 20–25% on your purchases in addition to any other discounts” when you stack such promos with sale prices. Yes, these can (usually) stack: if you also have a “$10 off $100 shop” coupon or product-specific bonus, you get those as well as the 10k points.
Activate everything: The golden rule with Flybuys is activate every offer in the app or via email link. You lose nothing by activating – you only gain if your normal shopping fits the criteria. Common offers include “2,000 bonus points for a $50 shop this week” or “Triple points on all Coles Brand items”. Sometimes you’ll even have multiple offers concurrently. Flybuys generally allows stacking unless an offer’s fine print says otherwise. In practice, expert point collectors have managed insane combos. For example, one member reported stacking six different offers in a single Coles shop, including a 4-weeker, a one-off 2,000-point coupon, and several category-specific multipliers – all rewards posted together. (This person snagged points promos on frozen goods and a brand of peas and a specific product, all in one go). While that’s an extreme case, it illustrates that stacking promotions is very much possible. So when Coles rains deals, hold out your bucket – plan one big shop to hit as many as you can at once.
Flybuys travel and store redemptions: Where Everyday Rewards is mostly about cash off or converting to Qantas points, Flybuys gives you a menu of uses. You can redeem points directly for $ at not just Coles but also Kmart, Target, Liquorland, etc. – handy if you want $20 off a new kettle or $10 off your wine purchase. Flybuys also runs its own travel portal (Flybuys Travel) and an online store for appliances, gift cards, and gadgets. However, be cautious: redeeming for physical merchandise often isn’t the best value (point “prices” can be steep). The best value in Flybuys tends to be either money off your shopping or converting to Velocity Frequent Flyer points for travel, which we’ll explore next.
OnePass booster: Similar to Woolies’ subscription, Coles’ owners have OnePass, a membership that provides free deliveries and more – and it now offers 5x Flybuys points at Kmart, Target, Bunnings, and Officeworks. Essentially, OnePass (about $4/month or $40/year) multiplies your base earn by 5× at those non-grocery stores. So instead of 1 point per $1, you get 5 points per $1 – a 2.5% return in points. If you’re furnishing a flat or have regular spends at these stores, the points windfall can be substantial. For example, spending $200 at Bunnings would normally give 200 points ($1 value); with OnePass it yields 1,000 points ($5 value). Combined with free delivery on eligible online orders and other perks, it can pay off. However, don’t subscribe unless it truly fits your spending pattern – no point paying for points you won’t use. A part-time tradie in Logan told me he joined a half-price OnePass promo for $20/year, and after renovating his kitchen and buying school supplies for his kids, “the Flybuys earned covered our Christmas grocery bill, basically.” Look out for such discounted sign-ups.
Case in point – Logan worker: Let’s introduce Melissa from Logan, QLD – a single mum working part-time, bringing in about $900 a fortnight. With two school-aged kids, her budget is beyond tight. Melissa’s learned to split her shopping strategically between Aldi for basics (to save cash upfront) and Coles for items where she can earn big points. On a $300 fortnightly grocery spend, she might do $150 at Aldi (no loyalty program, just lower prices) and $150 at Coles. That $150 at Coles by itself yields only 150 points normally – not impressive. But Melissa waits for Flybuys offers. This past month, she activated a “Spend $150 this week for 4,000 bonus points” offer and did a single $150 stock-up at Coles – earning 4,000 + 150 = 4,150 points in one hit (worth ~$20). The other fortnightly shop she mostly did at Aldi and just grabbed a few Coles sale items, earning minimal base points. Still, in one month she collected about 4,500 points from Coles on $300 total spend, a return of nearly $22 (7%). She saves these points for December, when she expects to have around 18,000 points banked – $90 off her holiday season food shopping. “That’s our Christmas ham and treats paid for,” she says with a smile. The lesson: even on a shoestring, by timing purchases to when the points payoff is high, Melissa turns a small budget into meaningful rewards. She never buys more than she needs – she simply leverages Flybuys promotions to get the biggest bang for each dollar.
Velocity Frequent Flyer: Flying High on Everyday Points
It might sound odd to discuss an airline loyalty program here. Traditionally, frequent flyer points come from expensive credit cards or actual flights – out of reach if you’re not rocking these cards. But Velocity Frequent Flyer (Virgin Australia’s program) has built a surprising ecosystem of everyday partners, making it possible to rack up Velocity points without setting foot on a plane or paying annual fees. These points, when used wisely, can unlock high-value rewards like flights or gift cards, effectively converting your shopping into travel opportunities.
Flybuys ↦ Velocity conversion: One of the easiest ways to dip into Velocity is via your Flybuys points. Virgin and Coles have a partnership allowing you to transfer Flybuys points to Velocity. The rate is 1,000 Flybuys = 500 Velocity points. In other words, every Flybuys point is worth half a Velocity point. If you choose this route, note that you’re giving up the option to use those points for $ at Coles – you’re instead banking them for travel. Why do this? Because Velocity points can be quite valuable: for example, a one-way flight from Sydney to Melbourne can cost as low as 5,900 Velocity points + ~$43 in taxes. Those 5,900 points would have been ~11,800 Flybuys points (since 2 Flybuys = 1 Velocity), which as Flybuys could be $59 at Coles. But a Sydney–Melbourne flight often retails for $150. So if you redeem for a flight, you’re effectively getting double or more value per point compared to groceries. For families who dream of an occasional holiday but can’t spare the cash, converting grocery points into Velocity points is a savvy long-term strategy. Tip: Virgin often runs promos – e.g. a recent one gave a 15% bonus on Flybuys points transfers and some one-off bonus points for linking accounts. Keep an eye out; if you’re transferring, do it during a promo for extra value.
Petrol and convenience: Velocity at 7-Eleven: A major development is Velocity’s partnership with 7-Eleven. By linking your Velocity account to the My 7-Eleven app, you earn Velocity points on fuel and in-store purchases at 7-Eleven. Here’s the earn rate:
- 2 Velocity points per litre on premium fuels, 1 point per litre on regular fuel.
- 2 Velocity points per $1 on most in-store items (snacks, coffee, etc.).
So, if you fill 40L of regular unleaded, you get 40 Velocity points. That might be worth roughly $0.40–$0.80 towards a flight – not huge, but remember you likely also got a supermarket docket discount on that fuel. It’s essentially free frequent flyer points on top of the cheapest price you found. Over a year of fill-ups, a typical driver might accumulate a few hundred points this way – enough to bump you over the line for a reward. Don’t detour out of your way or buy pricey premium fuel just for points, but if 7-Eleven is convenient and competitively priced, leverage it. (Bonus: The My 7-Eleven app’s “fuel lock” feature can save you much more by hedging against price hikes – a great tool in its own right, though separate from Velocity points.)
Everyday earners and partners: Velocity has other retail partners too. You can earn points buying wine (e.g. through Velocity Wine Store by Laithwaites), booking hotels, or shopping via the Velocity eStore online mall. Those might be less relevant for austere budgets, but worth noting if you do need to make a purchase – for example, if you’re buying a new laptop, clicking through Velocity’s eStore could net you 2-4 points per $1 at retailers like Apple or The Good Guys. Also, some utilities and services offer Velocity points: EnergyAustralia at one point gave Velocity points for paying bills, and certain insurance or home loan products do too. Again, never choose a service solely for points, but if two deals are equal, the points tip the scales.
One more unique tactic: Velocity family pooling. If you have family members with Velocity accounts, you can pool points to one main account. For instance, a couple each earning small dribs and drabs of Velocity (from say, fuel or conversions) can combine those into one pot to reach rewards faster. It’s free to set up on the Velocity site and ensures no points languish unused in a secondary account.
Making Velocity work for you: Let’s say our Werribee family, the Singhs, decide they’d love to take the kids to the Gold Coast next year to visit grandparents. Airfares are expensive, so they start routing some of their spending toward Velocity. They link Flybuys to Velocity and set it to auto-transfer every 1,000 points. Over 6 months they transfer 20,000 Flybuys points, becoming 10,000 Velocity points. Mr. Singh also links their 7-Eleven account to Velocity and fuels up both family cars there, earning an extra 500 Velocity points over the year (they drive a lot). By year’s end, they’ve amassed around 11,000 Velocity points without flying or paying an extra cent – mostly from grocery shopping that, alternatively, would have given them $50 off in cash. Those 11k points are enough for two one-way tickets Brisbane to Melbourne (roughly 7,800 points each), which covers the adults, and they’ll pay out-of-pocket for the kids (or use some saved cash). They effectively got ~$300 worth of flights for points that might’ve been ~$55 of groceries. It fits their priorities – they valued a trip to see family higher than a one-time bill discount.
Crucially, they didn’t overspend to do this: they shifted value from one form (grocery savings) to another (flights). This is the essence of strategic redemption timing – choose when to take the value of your points in whatever form benefits you most. If you badly need the $10 off your shop this week, use it that way. But if you can manage and want a bigger bang later, hoard those points for a higher-value reward like travel.
Filling Up on Rewards: Stackable Savings at the Servo
Fuel is the other budget-buster for many Australians (47% cite petrol as a major concern). Loyalty programs offer relief here too, though navigating fuel rewards can feel like a game of chess. The good news: whether you fill up at Coles Express, EG/Ampol, or 7-Eleven, there’s some way to save or earn:
- Coles Express & Flybuys: We mentioned the 4¢ per litre discount for Coles shoppers. It’s digitally tied to your Flybuys now – you activate the “Fuel Discount” in the Flybuys app when you’ve spent $30 at Coles, and then get 4¢ off at Shell Coles Express. If you prefer points over the immediate discount, Coles Express lets you choose “8 bonus points per litre” instead of 4¢ off. The value is roughly equal – 8 points per litre is worth 4c in grocery money. But if you’re a Velocity chaser, taking points (which can become 4 Velocity points per litre after conversion) might be smarter long run. Insider hack: This isn’t widely advertised at the pump, but you can sometimes change your preference in your Flybuys account settings. Also, Coles Express often has stackable offers: e.g. spend $20 in-store get an extra 10¢ off per litre (these sometimes combine with the docket discount). Some memberships like Carsales’ free member fuel vouchers or Linkt toll account offers add another 4¢ off on top. In an ideal scenario, one could stack 4¢ (Coles shop) + 4¢ (Carsales membership) and still earn Flybuys points on the purchase– effectively 8¢ off + points. It takes a bit of legwork to set up, but it’s worth it if you regularly use Shell.
- Woolworths EG Ampol & Everyday Rewards: The Woolies equivalent: 4¢ off per litre with a $30 supermarket spend, redeemable at EG (Euro Garages) or Ampol stations. Make sure to scan your Everyday Rewards card at the servo. The base program here is more about the upfront discount (the 4¢) than points – you do not earn Everyday Rewards points on fuel by default (the program focuses on the discount voucher). However, the EG Ampol chain often runs its own promos for points or extra discounts. For instance, using the EG app or certain partner coupons (like RACV, NRMA offers) can bump your discount up to 6¢ or 10¢ for one fill. Check your state’s motoring club benefits: e.g. RACV members currently get an extra 2¢ off at EG Ampol when scanning their card, which combined with the Woolies 4¢ makes 6¢/L total. Remember: fuel prices fluctuate daily; a smart saver tries to fill on cheap cycle days and then stack the loyalty discount on top of that low price.
- 7-Eleven & Velocity: As covered, Velocity members earn points at 7-Eleveninstead of a direct pump discount. But 7-Eleven counters that by their unique Price Lock feature in the app – essentially, it lets you pre-buy fuel at a low price and use it within the week. The optimal strategy many thrifty drivers use is: lock in a low price when the citywide cycle bottoms out, then redeem during the peak. This can save 10–20¢ per litre easily, dwarfing any supermarket docket. Meanwhile, you still earn Velocity points on the liters you purchase. So you’re saving cash and building points for later.
Choose based on what you value: If immediate savings on fuel are critical to your budget, the Coles or Woolies 4¢ discount (especially stacked with other offers) might beat earning a handful of points. 4¢ on a litre is a guaranteed ~2% off a $2/L petrol price (and sometimes you can double it to 8¢ or more). On the other hand, if you’re not driving much or you’re diligently using 7-Eleven’s price lock, taking points might make sense because you’ve already optimised your fuel cost. Some people even mix strategies: e.g. use Everyday Rewards for the grocery-linked 4¢ discount at Ampol when needed, but alternate with 7-Eleven for price locks and Velocity points when convenient. There’s no one-size-fits-all – the unifying rule is to always use something. Don’t ever fill up without scanning some card or app; that’s leaving money on the table.
Making It Work: Habits of a Points Maximiser
The above might feel overwhelming – who has time to play loyalty program strategist when you’re working, raising kids, and trying to make rent? The truth is, once you set up the basics, it only takes a few minutes a week to reap the rewards. Here’s a quick recap of expert tactics to maximise points without overspending:
- Pick your programs wisely: Focus on free loyalty programs tied to necessary spending – groceries, fuel, low-cost retail. Everyday Rewards and Flybuys are no-brainers if you shop at the big chains. If you don’t fly Qantas much, consider opting your Everyday Rewards to convert to Qantas Points only if you have a specific goal; otherwise take the cash discounts. If you do fly Virgin or want gift flights, start building Velocity via Flybuys and 7-Eleven. Don’t spread yourself too thin chasing too many programs – keep to the ones you can use often.
- Always scan, always activate: Treat your loyalty card (physical or digital) like your debit card – never checkout without scanning it. One Woolies executive revealed a staggering number of fuel vouchers went unclaimed in early years because people forgot to scan or redeem. That’s free petrol down the drain. So, form the habit. Likewise, activate every bonus offer you receive (it costs nothing). Even if you don’t end up using it, better to have it available. Most apps let you enable notifications so you never miss these deals.
- Plan around promos, not vice versa: This is critical. Never buy stuff you don’t need just to get points – that’s exactly how you overspend and defeat the purpose. Instead, when a good promo comes along for items or amounts you do need, time your shopping to take advantage. For example, if Coles has a “10,000 points for $50/week x4” deal but you usually only spend $40/week at Coles, see if you can intelligently stock up $10 extra of non-perishables each week (or shift $10 from your Aldi shop to Coles for a month). Spend a little early, not extra overall. Conversely, if a promo demands more than you can afford, just skip it – wait for a smaller one. They always come back around.
- Compare value: points vs immediate discount: Both major programs essentially give you a 0.5% base return (50c per $100) in either points or fuel discounts. So, ensure the store’s prices aren’t significantly higher than a competitor without loyalty. If Aldi saves you 20% on a basket compared to Coles, that crushes a 0.5% points kickback. Be pragmatic: you might do bulk staples at Aldi (no points, but cheaper), and targeted shops at Coles/Woolies for specials and points items. The smart maximiser is first a smart shopper – deals, unit prices, and avoiding waste trump points every time.
- Leverage special memberships if suitable: As discussed, Woolworths Everyday Extra ($70/year) and OnePass ($40/year) can greatly boost your rewards if your natural spending pattern supports them. The Werribee family saved hundreds with Everyday Extra’s 10% discounts; but if you rarely spend big in one go, it may not suit you. Same for OnePass: fantastic for frequent Kmart/Target buyers, useless if you never shop there. These aren’t required to succeed – they’re optional turbochargers.
- Monitor your progress and set a goal: It helps to treat points like a quasi-savings account. Maybe you decide: “I want $200 worth of points by year’s end for Christmas” or “I want to accumulate 20k Velocity points for a holiday.” Knowing your goal prevents the temptation to burn points frivolously and also keeps you motivated to stick with the small habits. Both Everyday Rewards and Flybuys apps will show your balance and often what it equates to (e.g. “You have $30 off waiting”). It can be encouraging to watch that grow. Just don’t hoard indefinitely – points programs can devalue over time. Aim to redeem at least once a year for something meaningful, whether it’s offsetting a big shop or booking a much-needed getaway.
- Stay updated on new offers: Loyalty programs evolve. For instance, Flybuys adding Bunnings was a game-changer in 2023. Read the emails or newsletters these programs send – they often announce new partners or limited-time deals. Follow Australian personal finance blogs or community forums (like OzBargain or Point Hacks) for tips. You might learn about quirky stackable deals (like that Carsales fuel discount, or a new partnership giving 20x points on utilities). The landscape in 2025 is quite dynamic; a few minutes of reading can uncover an opportunity to save you $50 here or $100 there.
Finally, remember that loyalty points are a supplement, not a substitute, for sound budgeting. The true win is when points help you afford something that was out of reach or reduce your out-of-pocket costs on an essential expense. I’ve seen families treat their accumulated supermarket points as the “emergency grocery fund” – when times are really tough, they’ll use a chunk of points to cover a week’s shop, keeping cash for the electricity bill. Others, like our case studies, treat points as “bonus” value to enhance their lives, whether that’s a special holiday or a nicer Christmas dinner, which they otherwise would have skimped on.
In an era when every little bit helps, loyalty programs are there to be used, not admired. You don’t need to buy fancy products or pay annual fees to join – just be consistent and strategic with the spending you’re already doing. The payoff might be an extra $500 in value over the year for a larger family, or a few hundred for an individual – a meaningful return for minimal effort. I’ve learned this: the big stuff (rent, wages, bills) can be hard to change, but small habits like maximising rewards on groceries and fuel are entirely in your control. And taking control, however modest, feels empowering. So go ahead – scan that card, collect those points, and make your hard-earned dollars work a little harder for you in return. Your future self (and your budget) will thank you.
Sources
Information sourced from: 7news.com.au, au.news.yahoo.com, bp.com, coles.com.au, en.wikipedia.org, freepoints.com.au, moneymag.com.au, onepass.com.au, ozbargain.com.au, pointhacks.com.au, racv.com.au, reddit.com, savvy.com.au, target.com.au, tradingeconomics.com, upgradedpoints.com, and velocityfrequentflyer.com
