New to points? Read this first.
You don't need to be a travel hacker. You need four free accounts and one new habit. This tier takes about 20 minutes and is worth thousands of points a year.
A credit a business gives you for spending money you were going to spend anyway. Scan a card at the checkout, earn points. Later you swap those points for money off your shop, or for flights.
Joining costs nothing. If you're not scanning a card, you're simply handing that value back to the retailer.
1. Scanning — at the supermarket and the servo. Small but constant, roughly 1 point per $1.
2. Your credit card — a rewards card earns points on every dollar, on top of the store's program. This quietly doubles your earn.
3. Bonus offers — 10x or 20x point promotions and card sign-up bonuses. This is where the real money is, and it's the part most people miss.
Supermarket points are simple: 2,000 Flybuys or Everyday Rewards points = $10 off your shop. That's half a cent each.
Airline points are worth more if you use them on flights — usually 1 to 2 cents each. Both supermarket programs convert across at 2:1, so 2,000 Everyday Rewards points become 1,000 Qantas Points.
Most programs wipe your balance after a stretch of no activity, typically 18 to 24 months. Rules differ by program, so check yours.
Any earn or redemption resets the clock. If you're scanning your card at the shops even occasionally, this will never affect you.
- CostFree to join online
- Best forFlights, the widest partner network
- Earn atBP, Ampol, Woolworths, Uber Eats, hotels
- You'll needName, address, date of birth
- CostFree
- Best forEasier domestic flight redemptions
- Earn at7-Eleven, Virgin, Coles, Flybuys transfers
- You'll needName, address, date of birth
- CostFree
- Best forFuel dockets and big bonus-point offers
- Earn atWoolworths, BWS, EG Ampol, Big W
- Converts toQantas Points at 2:1
- CostFree
- Best forStraightforward cash off your shop
- Earn atColes, Shell Reddy Express, Kmart, Target
- Converts toVelocity Points at 2:1
There's no separate sign-up — a rewards credit card comes with its own points program attached, like Amex Membership Rewards. It's the single biggest earner on this page, but it's a financial product with an annual fee and a credit check, so it belongs after the free accounts, not before them. We cover it further down.
Getting more from the same spending
You're signed up and scanning. These are the habits and tactics that separate a few hundred points a year from a few tens of thousands — without spending an extra dollar.
Spreading your spending across every loyalty program means you'll never earn enough in any one to actually redeem anything. Pick Qantas or Velocity for flights, and Flybuys or Everyday Rewards for everyday spending. Farm those two hard.
The habit that changes everything: before you go somewhere, check if there's an active offer. A 2-second app check before filling up, before a restaurant booking, before an online purchase — that's where the points accumulate.
Most bonus point offers require activation before the qualifying spend. Check the Flybuys, Everyday Rewards and Velocity apps weekly and activate everything relevant — even things you're not sure you'll use.
A rewards credit card that earns Qantas or Velocity points on every dollar is a multiplier. You earn at the store's loyalty program rate AND earn points on the transaction itself. Pay it off monthly and the annual fee pays for itself quickly.
Spend $30+ at Woolworths → 4c/L off at EG Ampol. Spend $5 in-store at EG Ampol → another 4c/L. You're also earning Everyday Rewards on your grocery shop.
Up to 8c/L off + pointsSpend $30+ at Coles → 4c/L off or 8 Flybuys points per litre at Shell Reddy Express. You're already earning Flybuys on the grocery shop. Stack the fuel points on top.
4c/L or 8 pts/LLock in a price up to 25c/L below the market using the My 7-Eleven app, and still earn Velocity Points on the fill. Stack with double Velocity promotions when they run.
Up to 25c/L + pointsAGL customers save 4c/L at BP. Origin Energy customers save 4c/L at EG Ampol. Add these on top of your loyalty program earn for a solid double-dip every fill.
4c/L off + pointsPay with a Velocity-earning Amex to collect Membership Rewards points on the spend, then scan your Velocity-linked My Card at 7-Eleven to earn points per litre on top. When Velocity runs its activated 3× fuel promo, your per-litre earn triples — stacking card points and pump points on the same fill.
Card points + up to 3× per litreIn Sydney, Melbourne, Brisbane and Perth, prices typically peak Thursday–Saturday and hit their lowest on Tuesday–Wednesday. Filling up on Tuesday morning instead of Friday evening can save 20+ cents per litre on the same fuel at the same station. See today's live cheap fuel discounts for real examples currently running.
You need the My 7-Eleven app with an account. The Fuel Lock feature shows you current prices at your five nearest 7-Eleven stores.
Tap Lock on the cheapest price shown. This is now your guaranteed price for 7 days at any 7-Eleven in Australia — no matter what happens to the market price.
Lock on Tuesday when prices are low. Fill up on Friday when everyone else is paying 20c more. Still earn Velocity Points on top — and look for double points promotions.
Check PointFarm first to see the cheapest ULP 91 price near you. If a 7-Eleven is within your range and the market is at a weekly low, lock it immediately. You're guaranteed that low price even if you don't fill up until the weekend — and you still earn Velocity Points on the transaction.
Once the basics are automatic
Choosing where to concentrate your points, and the one lever — a rewards credit card — that earns more than everything above it combined.
Best for: Virgin Australia flyers, 7-Eleven fuel shoppers, anyone who wants flexible airline redemptions. Velocity points are widely regarded as easier to use than Qantas for domestic flights.
Earn at 7-Eleven, Virgin, Coles, moreBest for: Qantas flyers, BP fuel shoppers, international redemptions. The largest Australian loyalty program with the widest partner network — from Woolworths to Uber Eats to hotel chains.
Earn at BP, Ampol, Qantas ShoppingBest for: Coles shoppers, Shell Reddy Express fuel buyers. Flybuys points convert to cash off your Coles shop — practical and easy to redeem if you're already shopping there weekly.
Earn at Coles, Shell Reddy Express, moreBest for: Woolworths shoppers, EG Ampol fuel buyers. The fuel docket system makes this the most powerful fuel discount program in Australia when stacked correctly.
Earn at Woolworths, EG Ampol, BWSSign-up bonuses dwarf what you earn at the bowser
Earning 1 point per litre at BP is great. But the Qantas Money Premier Platinum card offers 120,000 bonus points on sign-up — equivalent to filling up 120,000 litres. A single card application, used strategically, can be worth more than a year of fuel rewards combined.
card sign-up
A Qantas or Velocity earning card turns your regular spending into points. Groceries, fuel, dining, bills — everything earns. Pay it off monthly and the points are essentially free.
Don't apply for multiple cards at once — each application affects your credit score. Space applications 6–12 months apart and focus on cards with the strongest current sign-up offers.
Amex Membership Rewards transfer to Qantas, Velocity and others. Velocity runs 20% bonus transfer promotions a few times a year — watch for these and transfer when they're active to boost your balance.
Most sign-up bonuses require a minimum spend in the first 60–90 days. Plan your application around upcoming big purchases — a holiday, a renovation, or simply shift your regular bills to the new card temporarily.
One app. Every reward. Before you spend.
Right now PointFarm helps you find cheap fuel and earn more loyalty points at the servo. But the bigger vision is a single place to check before any spend — so you always know where to earn more, whether you're filling up, ordering dinner, booking flights or switching credit cards.