Point Hacks Credit Card Guide

The best credit cards to earn the most frequent flyer points at supermarkets

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 only a few credit cards in Australia which earn additional frequent flyer points per dollar spent at supermarkets.

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.

Earning flexible points

The American Express Platinum Edge offers an effective earn rate of 1.5 frequent flyer point/mile per $ spent on supermarket purchases.

Whilst you’ll earn 3 Membership Rewards points per $ spent, their value is halved when transferring out to a partner, hence the effective earn rate. Membership Rewards points can be transferred over to programs such as Virgin Australia’s Velocity Frequent Flyer and Singapore Airlines’ KrisFlyer program.

You’ll also receive a travel credit with this card, which more than offsets the $195 annual fee.

Putting your grocery spend on this card will get you closer to redeeming your points for a flight in Virgin Australia Business Class

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. This would be our suggestion.

Earning Qantas Points

If you are a Qantas Points hunter, instead you’ll want to check out the American Express David Jones cards. With the David Jones American Express, you’ll receive 1.5 Qantas Points per $ spent at supermarkets.

There are two types of David Jones American Express card: the Classic and Platinum versions. Both cards earn the same rate at supermarkets.

The regular David Jones American Express has an annual fee of $99, whereas the $295 annual fee Platinum version earns additional points and benefits when shopping at David Jones or online.

Other frequent flyer point-earning opportunities

The CommBank Awards range offers 1.5-3 points on supermarket spend but due to the small number of frequent flyer partners and poor transfer rates, it is not notable.

Don’t forget that Woolworths Rewards will also earn you additional Qantas Points on top of those earned from any credit card you use for payment at Woolworths and associated stores.

You can also earn Qantas Points by purchasing wine and gourmet food through Qantas Wine.

The Westpac Altitude Rewards card range also offers an additional point for wine purchases at Cellarmasters and Wine Direct.

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 being branded under the supermarket chain.

The same goes for the Coles cards that earn flybuys, as there are no additional points for spend at Coles. However, these cards often run promotions during which you can get $100 or so off a single Coles shop.

Summing up

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

Supplementary images courtesy respective supermarkets.

The best credit cards to earn the most frequent flyer points at supermarkets was last modified: April 24th, 2019 by Matt Moffitt

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  1. markmelbourne

    Is that correct about Coles cards? Their rewards Visa earns an immediate bonus on all shops, and if you take up their insurance products the bonus is up to 6x flybuys on every shop.

  2. RB

    I think you’ll find the Citi Signature and Citi Prestige cards also earn bonus points for supermarket spend (1.5 to 2 points per $).

    These points can also be transferred to a number of Airline partners.

    Note, David Jones does offer some supermarket facilities in limited stores offering a Food Hall, which can earn up to 4 points per dollar on the David Jones Platinum Amex or 3 points per dollar on the regular DJ’s Amex card.

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