Your Supermarket Points Can Pay for Christmas. Here's How (Everyday Rewards & Flybuys)
Banked all year with Everyday Rewards or Flybuys? The dates, the rules and the small print — so the savings land when you need them.
Hundreds of thousands of Australians quietly let their supermarket points pile up all year so they can take a chunk off the Christmas shop. In 2025, more than 800,000 Everyday Rewards members banked their rewards for Christmas, averaging about $100 each. Over at Coles, Flybuys members who opted into Collect for Christmas averaged $140.
Both programs make it easy — but they work differently, the windows are short, and one wrong click at the checkout can spend your savings on a Tuesday-night top-up shop. Here's how each one works this year.
- 800k+Everyday Rewards members banked for Christmas in 2025
- $400Maximum off a single Coles shop with Flybuys Collect for Christmas
- 26%Of banked Everyday Rewards funds were spent in the week before Christmas 2024
Source: Woolworths Group newsroom (Nov 2024, Nov 2025); Coles Group (Sep 2026).
Your Christmas points calendar
14–27 Sep 2026
Flybuys Collect for Christmas opt-in (closed)
Members who opted in stop auto-redeeming Flybuys Dollars at Coles and start stashing points.
28 Sep – 10 Dec
Flybuys collect period
Points earned by opted-in members build up toward Christmas.
Mid-November (expected)
Everyday Rewards Christmas savings unlock
Woolworths has unlocked Bank for Christmas savings on 13 November for the past three years. The 2026 date hadn't been announced at the time of writing.
11–24 Dec
Flybuys redemption window
Use up to $400 (80,000 points) off a single in-store shop at Coles or Liquorland.
31 Dec
Everyday Rewards Christmas window closes
In 2025, unlocked savings had to be used by 31 December. Unspent funds lock again until next Christmas.
How Everyday Rewards Bank for Christmas works
Everyday Rewards gives you three choices for what happens each time you reach 2,000 points: take $10 off your shop automatically, convert to 1,000 Qantas Points, or Bank for Christmas. Switch in the app or online under your Rewards Choice settings.
With Bank for Christmas, each 2,000 points becomes $10 held in your account instead of coming off your next shop. Last year the money unlocked on 13 November and could be spent until 31 December, in $10 amounts, at Woolworths Group brands including Woolworths, BIG W and BWS. Members with under $100 were unlocked automatically; anyone with $100 or more had to unlock it manually in the app.
Anything you don't spend by 31 December isn't lost — it locks again and rolls over to next Christmas. That's a nice safety net, but it also means money sitting idle for another 11 months.
How Flybuys Collect for Christmas works
Flybuys' version is an opt-in promotion called Coles Collect for Christmas. For 2026, the opt-in ran from 14 to 27 September. While you're opted in, the usual "$10 off" prompt at the Coles checkout is switched off so points accumulate.
From 11 to 24 December you can use up to $400 (80,000 points) off a single transaction, in store at Coles and — new this year — Liquorland. You need at least 2,000 points and a minimum $10 spend after discounts. It doesn't work in the Coles app or on Coles Online, and the normal checkout prompt returns after 24 December.
Everyday Rewards vs Flybuys at Christmas
| Everyday Rewards — Bank for Christmas | Flybuys — Collect for Christmas | |
|---|---|---|
| How you join | Switch your Rewards Choice any time | Opt in during the window (14–27 Sep 2026) |
| Value | 2,000 points = $10 | 2,000 points = $10 |
| When you can spend it | Mid-Nov to 31 Dec (2025: 13 Nov – 31 Dec) | 11–24 Dec 2026 |
| Where | Woolworths Group brands incl. Woolworths, BIG W, BWS | Coles and Liquorland, in store only |
| Limit | No cap published | Up to $400 (80,000 points) per transaction |
| If you don't use it | Locks again and rolls over to next Christmas | Normal checkout prompt returns after 24 Dec |
Don't convert supermarket points to Qantas just to buy gift cards
Everyday Rewards lets you convert 2,000 points into 1,000 Qantas Points. That can be great if you redeem for flights — but if those Qantas Points end up as gift cards, you've lost more than half the value.
| Option | Dollar value of 2,000 Everyday Rewards points |
|---|---|
| Taken as $10 off a shop (or banked for Christmas) | $10.00 |
| Converted to 1,000 Qantas Points, then a JB Hi-Fi gift card (Qantas Marketplace: $100 JB Hi-Fi card = 21,880 points) | $4.57 |
Five ways to get more from your Christmas points
- Unlock only when you're ready to shop. Woolworths' own advice: an unlocked balance can be spent on any shop, including the ones you'd do anyway.
- Plan the big shop for the window. Flybuys' $400 cap applies per transaction, in store — one large Christmas shop uses it best.
- Boost the festive offers. Last year Everyday Rewards ran Christmas Unwrapped (3–14 December 2025): 12 daily offers with up to 10x points. Offers were personalised and had to be boosted in the app.
- Watch the expiry clocks. Everyday Rewards points expire after 18 months of inactivity; Flybuys after 12 months. One scan resets either.
- Missed the Flybuys opt-in? Your points still work. Every 2,000 Flybuys points is $10 Flybuys Dollars at Coles, Kmart, Target, Liquorland, Officeworks and other partners.
Points in more programs than you can track?
Mavitra shows every loyalty balance, what it's worth and when it expires — in one place.
Get early access →Frequently asked questions
How does Everyday Rewards Bank for Christmas work?
Instead of taking $10 off your next shop each time you reach 2,000 points, the $10 is banked in your account. It unlocks in mid-November (13 November in 2023, 2024 and 2025) to spend until 31 December at Woolworths Group brands such as Woolworths, BIG W and BWS.
When can I unlock my Everyday Rewards Christmas savings in 2026?
Woolworths hadn't announced the 2026 date at the time of writing. For the past three years savings have unlocked on 13 November, so expect mid-November — check the Everyday Rewards app.
Do Everyday Rewards Christmas savings expire?
Not in the usual sense. In 2025, anything not spent by 31 December reverted to locked and rolled over to the next Christmas. Your underlying points still need some activity every 18 months to stay active.
What is Flybuys Collect for Christmas?
A Coles promotion: opt in (14–27 September 2026), stash points from 28 September to 10 December, then use up to $400 (80,000 points) off a single in-store shop at Coles or Liquorland between 11 and 24 December.
Can I use Flybuys Christmas points online?
No. Collect for Christmas redemptions are in store only and exclude the Coles app and Coles Online.
Should I bank points for Christmas or convert them to Qantas?
If you'll use Qantas Points for flights, converting can be worth more. If not, banking is better: $10 of groceries beats the roughly $4.57 you'd get turning 1,000 Qantas Points into a JB Hi-Fi gift card.
Make every point count this Christmas
Mavitra brings your supermarket, airline and bank points into one view — with values and expiry dates — and turns idle points into gift cards for brands you already shop with.
Join the waitlist →