Are Paid Loyalty Subscriptions Worth It? Everyday Extra vs Coles Plus
Paid loyalty is the standout trend of 2026 — supermarkets now charge a monthly fee for perks that used to be free. Here's how to work out if it pays off for you.
For years, loyalty programs were free. The big shift in 2026 is paid loyalty: subscriptions that charge a monthly fee in exchange for discounts, bonus points and perks. Woolworths and Coles both run them, and they're growing fast as shoppers trim the free programs they never used.
The question isn't whether the perks are nice — it's whether they beat the fee for the way you actually shop. Here's the plain-English maths.
The three main options
Everyday Extra (Woolworths)
Around $7/month or $70/year. Headline perk: 10% off one shop each month (capped at $50 off), plus double Everyday Rewards points on your shops and occasional freebies.
Coles Plus Saver
A lower-cost Coles tier around $7/month, built around 10% off one shop a month plus double Flybuys points — the closest match to Everyday Extra.
Coles Plus
A pricier tier (around $19/month) aimed at online shoppers: free delivery over a threshold, rapid Click&Collect and bonus Flybuys points rather than a straight 10% off.
The break-even, in one paragraph
The 10% off tiers are simple to judge. If you do one big shop a month of around $150–$500, 10% off is worth $15–$50 — comfortably more than a ~$7 fee, before you even count the double points. If your shopping is spread across lots of small baskets, or you routinely spend well under $150 in one go, the discount shrinks and the fee starts to look less attractive.
The delivery-focused Coles Plus tier is a different calculation: it's worth it only if you order online often enough that saved delivery fees clear the higher monthly cost. If you shop in-store, the cheaper 10%-off tier is almost always the better pick.
Who it suits — and who it doesn't
- Worth it if: you do a predictable big monthly shop at one chain, and you'll remember to use the 10% each month.
- Probably not if: your spending is scattered across both chains, or your baskets are small — the capped discount won't clear the fee reliably.
- Do the one-month trial. Both programs offer a free trial. Use a real month of shopping to see the actual saving before you commit.
Frequently asked questions
Is Everyday Extra worth it?
For most people who do one large monthly Woolworths shop, yes — 10% off a $150–$500 shop (capped at $50) usually beats the ~$7 monthly fee, and the double points are a bonus. If you shop in small, scattered baskets, it's a closer call.
What's the difference between Coles Plus and Coles Plus Saver?
Coles Plus Saver is the cheaper tier built around 10% off one shop a month plus double Flybuys points. Coles Plus is pricier and aimed at online shoppers, focused on free delivery and rapid Click&Collect.
Can I try before I pay?
Both Woolworths and Coles typically offer a free trial month. Running a normal month of shopping through it is the best way to see your real saving.
Do the discounts stack with points?
Generally the subscription perks (the 10% off and double points) apply on top of normal earning, but exclusions exist. Check the current terms for what's eligible.
Turn points you'd never use into gift cards
Mavitra lets Australians convert loyalty points into gift cards for everyday brands — a practical way to get value from points sitting idle. Points in, gift cards out.
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