Point Hacks Credit Card Guide

Best credit cards to earn the most frequent flyer points at supermarkets for food, groceries & wine

Supermarket spend is often a large proportion of many peoples out-of-pocket expenses that can be put on a credit card to earn more points.

There are few credit cards in Australia which will earn more frequent flyer points per dollar on your spend at supermarkets than others.

Choose a card which bonuses you for supermarket spend and over the course of time the extra points can really up the potential for earning more frequent flyer points towards your travel goals.

Credit Cards that offer additional points from supermarket spend

Right now there are two key cards for food and department store shoppers, both from American Express – the Platinum Edge and the David Jones American Express.

The American Express Platinum Edge offers a pretty unbeaten 3 Membership Rewards points per $ spent on supermarket purchases.

Membership Rewards points can be transferred over to Virgin Australia’s Velocity frequent flyer program, and Singapore Airlines Krisflyer program at a 1:1 rate, so earning you 3 Velocity points or 3 Krisflyer miles, (and many other points currencies) per $ spent.

You’ll also receive a free domestic flight with Virgin Australia each year with this card – with some conditions, but this still helps offset the annual fee which is usually $195.

Earning Qantas Points with supermarket spend

You won’t pick up any Qantas Points by using the Platinum Edge card, but you do gain a significant amount of flexibility by earning Membership Rewards points and then transferring them to a frequent flyer program of choice once you know how and when you want to use your points.

If you are a Qantas Point hunter, instead you’ll want to check out the American Express David Jones cards.

With a David Jones American Express you’ll receive the highest Qantas Point earn rate for supermarket spend out there – 2.25 Qantas Points per $.

There are two types of David Jones American Express Card – the Classic (black) and Platinum versions.

The regular David Jones American Express has a an annual fee of $99, but both cards earn 2.25 Qantas Points per $ at supermarkets and on fuel.

David Jones American Express - 22,500 Qantas Points or 30,000 DJ's MR points

There's 30,000 DJ's Membership Rewards points for new applicants - could be transferred to 15,000 Starpoints - or 22,500 Qantas Points. This card is a high earning Qantas Point card for Supermarkets & Fuel spend, with $99 annual fee.

  • Choose 30,000 David Jones Membership Rewards points or 22,500 Qantas Point signup bonus
  • Exclusive benefits at David Jones, including free standard delivery for online purchases, free gift wrapping, 4 years interest free on big ticket items
  • 3 David Jones Membership Rewards points per $ at Supermarkets/Fuel, 2 points per $ at David Jones, 1 point per $ everywhere else OR
  • 2.25 Qantas Points earned per $ at Supermarkets/Fuel, 1.5 Qantas Points per $ at David Jones, 0.75 points per $ everywhere else
  • $99 annual fee
  • Minimum income requirement of $40,000 pa
  • Only available to new David Jones American Express customers within the last 18 months
  • Eligible for signup bonus after 3 transactions outside of David Jones in first 3 months of holding the card

Find out more or apply →

Point Hacks earn a maximum of $169 per applicant for this card. More about this →

The Platinum David Jones American Express earns additional points and benefits when shopping at David Jones or online.

David Jones Platinum American Express - 30,000 Qantas Points or 40,000 DJ's MR points

The David Jones Platinum Amex has a great signup bonus with excellent ongoing bonus points for spend at David Jones, Supermarkets and on Fuel. It's a useful card for earning either Qantas Points, or Starwood Preferred Guest points.

  • Choose 40,000 David Jones Membership Rewards points or 30,000 Qantas Points sign up bonus
  • Exclusive benefits at David Jones, including free standard delivery for online purchases, free gift wrapping, 4 years interest free on big ticket items $295 annual fee
  • 3 David Jones Membership Rewards points per $ at Supermarkets/Fuel, 4 points per $ at David Jones, 1 point per $ everywhere else, OR
  • 2.25 Qantas Points earned per $ at Supermarkets/Fuel, 3 Qantas Points per $ at David Jones, 0.75 points per $ everywhere else
  • $295 annual fee
  • Minimum income requirement of $65,000 pa
  • Only available to new David Jones American Express customers within the last 18 months
  • Eligible for bonus points eafter 3 transactions outside of David Jones in first 3 months of holding the card

Find out more or apply →

Point Hacks earn a maximum of $200 per applicant for this card. More about this →

Other frequent flyer point earning opportunities for food and normal household spend

Don’t forget that the Everyday Rewards program from Woolworths will also earn you additional Qantas Points on top of those earned from any credit card you use for payment.

You can also earn Qantas Points by purchasing wine through Qantas Epiqure. There’s a guide to Qantas Epiqure here.

The Westpac Altitude Rewards card range also offers bonus points for wine purchases at Cellarmasters and Wine Direct – at least 1 Altitude point per $, which usually equates to at least 0.5 airline points.

Which cards don’t earn more frequent flyer points at supermarkets, but you thought might

Oddly, none of the Woolworths Money cards earn extra points for shopping at Woolworths, despite them having the Woolworths tie-up.

Also, I haven’t included any flybuys cards as you’ll only earn flybuys points with Coles – flybuys points are worth a maximum of 0.5c per point usually, whereas frequent flyer point values are usually at least 3x that.

Summing up – earning frequent flyer points at supermarkets

So much of many people’s week-to-week spend is on groceries at supermarkets – use a card which offers points bonuses for that spend and you’ll earn more points, faster to help you achieve your travel goals.

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Point Hacks Credit Card Information

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