Best Grocery and Fuel Cards Australia in 2026: BP Flybuys vs NAB Qantas vs ANZ Rewards Black

Australian households spend heavily on two recurring categories year-round: grocery and fuel. For a family filling up twice a week and doing two or three weekly supermarket runs, the combined annual spend runs AUD 8,000 to AUD 14,000. Choosing the right rewards card on that spend alone can return AUD 400 to AUD 800 per year in value, either as flight redemptions, statement credit, or fuel discounts. This is a working comparison of the three cards most commonly recommended for grocery-and-fuel-heavy spending in 2026: BP Flybuys credit card, NAB Qantas Rewards Signature, and ANZ Rewards Black.

The verdict

For heavy drivers and Coles-and-BP loyalists, BP Flybuys credit card is the specialist pick. The elevated Flybuys points earn at BP petrol stations and Coles supermarkets, plus the ability to redeem Flybuys points as 4-cents-per-litre-plus fuel discounts at BP, delivers the highest absolute annual return for households that concentrate their spending in the Coles Group ecosystem.

For Qantas frequent flyers who spend heavily on grocery and fuel across mixed retailers, NAB Qantas Rewards Signature is the mainstream choice. Direct Qantas Points earn on everyday spend, complementary Qantas Frequent Flyer membership if you do not have one, and reliable annual bonus point sign-ups make this the working Qantas-earn card in the AUD 300 to AUD 400 annual fee tier.

For flexible flyers, mixed-loyalty households, and anyone unwilling to commit to a single airline, ANZ Rewards Black is the workhorse. ANZ Rewards Points transferable to Velocity and other partners, a lower annual fee, and the ability to redeem for cashback if you prefer preserves optionality at a modest earn rate cost.

For most households, the honest recommendation is to combine one primary rewards card with the free loyalty programs that come with your usual supermarket: Flybuys for Coles-side, Woolworths Everyday Rewards for Woolworths-side. Card rewards and store loyalty rewards stack, and both stack again with ShopBack cashback on eligible online grocery orders.

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The three cards at a glance

Feature	BP Flybuys credit card	NAB Qantas Rewards Signature	ANZ Rewards Black
Card issuer	Bank partner under BP/Flybuys brand	NAB	ANZ
Loyalty programme	Flybuys	Qantas Frequent Flyer	ANZ Rewards (transferable)
Annual fee	Verify current product terms	Around AUD 295 to AUD 395	Around AUD 375
Earn rate at BP fuel	Elevated Flybuys points	Standard Qantas Points	Standard ANZ Rewards
Earn rate at Coles supermarkets	Elevated Flybuys points	Standard Qantas Points	Standard ANZ Rewards
Earn rate at Woolworths supermarkets	Standard rate (not accelerated)	Standard Qantas Points (with potential bonus category)	Standard ANZ Rewards
Sign-up bonus (subject to campaign)	Flybuys bonus block	Qantas Points bonus block after spend	ANZ Rewards Points bonus block
Complimentary travel benefits	Limited	Overseas medical, purchase protection, potential lounge pass benefit	Overseas travel insurance, purchase protection
Transfer partners	Flybuys to Velocity (2:1 typical)	Direct Qantas Points	Velocity, others
Best for	Coles-and-BP loyalist, high fuel usage	Qantas frequent flyer, mainstream everyday spend	Flexible flyer, mixed household

The exact earn rates, annual fees, and sign-up bonuses on all three cards change with promotion cycles. Always verify current terms and product disclosure statements at the issuer's product page before applying. Points values below assume Qantas Points valued at 1.5 to 2 Australian cents per point (a common band for economy and premium economy Australia and international redemptions) and Velocity valued similarly.

Where each card actually wins

BP Flybuys credit card: the Coles Group specialist

The Flybuys ecosystem in Australia is deep. Coles supermarkets, Kmart, Target, Officeworks, First Choice Liquor, Liquorland, and BP petrol stations all participate as Flybuys partners. A household concentrating discretionary and household spending in that ecosystem earns Flybuys points fast, and the redemption side of the equation is genuinely useful: you can redeem points as at-the-pump fuel discounts at BP (typically 4 cents per litre per 2,000 Flybuys points block), as gift cards for participating retailers, or as instant discount at Coles online checkout.

For a household running two vehicles filling up weekly at BP (roughly 100 litres per week at AUD 1.80 to AUD 2.00 per litre, or AUD 180 to AUD 200 per week, AUD 9,360 to AUD 10,400 per year in fuel), the Flybuys card's elevated earn at BP compounds quickly. Combined with 4c/L saving on the redeemed side, the annual value for a heavy driver runs AUD 250 to AUD 400 above what a general rewards card would deliver.

Coles grocery spending compounds similarly. AUD 400 to AUD 700 per month at Coles at elevated earn rate delivers 24,000 to 42,000 Flybuys points per year on grocery alone. Redeemed as fuel discount, that is 48 to 84 tanks worth of 4c/L off.

The compromise: if your household is Woolworths-loyal or you fill up at Ampol EG or Shell (Coles Express before rebrand), the Flybuys card's category acceleration is wasted. General everyday spend earns at a lower rate than a card like ANZ Rewards Black.

Best case for BP Flybuys: you already shop Coles more than Woolworths, you drive to BP for fuel, and you use Flybuys point redemption as fuel discount rather than saving for a flight redemption.

NAB Qantas Rewards Signature: the mainstream Qantas earn card

NAB Qantas Rewards Signature is the mainstream choice for households where at least one adult flies Qantas domestically or internationally on a regular basis. Direct Qantas Points earning with no transfer step required, plus complementary Qantas Frequent Flyer membership for the primary cardholder, plus periodic 80,000 to 130,000 Qantas Points sign-up bonuses (subject to campaign) makes this the highest-headline-return Qantas-earn card at the AUD 300 to AUD 400 annual fee tier.

The earn structure typically distinguishes between international spend (higher rate), Qantas-direct spend (higher rate), and Australian everyday spend (standard rate). On Australian supermarket and fuel, earn is at the standard rate; on Qantas.com direct purchases and international transactions, earn is elevated.

Complementary benefits include overseas travel insurance for the primary cardholder and eligible family members while travelling on a Qantas or partner ticket, purchase protection insurance on qualifying purchases, and additional Qantas Points earn opportunities on Qantas Wine, Qantas Marketplace, and Qantas Hotels layered on top.

For a Qantas Frequent Flyer chasing status or building up for a family redemption trip to Asia or the US on Qantas or partners like Emirates, American Airlines, or Cathay Pacific, direct Qantas Points earning is the point. The AUD 200 to AUD 350 in annual point value from grocery and fuel alone, plus the sign-up bonus in year one, delivers meaningful redemption value.

The compromise: locked to Qantas. If you fly Virgin more often, or you use Velocity, KrisFlyer, or Asia Miles, direct Qantas Points earn is worth less to you.

Best case for NAB Qantas Rewards Signature: you fly Qantas at least a few times a year, you value the ability to earn direct Qantas Points without a transfer step, and your household spend runs above AUD 30,000 per year across all card-eligible categories.

ANZ Rewards Black: the flexible workhorse

ANZ Rewards Black earns ANZ Rewards Points on everyday spend, and those points are transferable to Velocity Frequent Flyer and other partners at variable transfer rates. This flexibility is the point.

For a household with mixed frequent-flyer patterns (one adult on Qantas, one on Velocity, or the household using KrisFlyer for Asia redemptions), ANZ Rewards Black avoids the lock-in of a Qantas or Velocity co-branded card. Points sit as ANZ Rewards balance and get transferred based on the redemption you actually want to do that year.

Complementary benefits include overseas travel insurance, extended warranty on qualifying purchases, and purchase protection. The annual fee is typically slightly below NAB Qantas Rewards Signature; some ANZ campaigns waive first-year fee on new applications.

The earn rate on Australian everyday spend is typically standard across grocery, fuel, and general purchases. There is no specific category acceleration to Coles or Woolworths side, so the card treats both supermarket chains equally.

The compromise: flexibility comes at a cost. Direct transfer to Qantas Points is limited or unavailable on some ANZ Rewards variants; verify current partners. Compared to a Qantas or Velocity co-branded card, effective points-per-dollar on the airline of your choice may be lower after the transfer.

Best case for ANZ Rewards Black: your household frequent-flyer patterns are mixed or unsettled, you value the ability to redeem for cashback or gift cards if you cannot use points for flights, and you do not want to lock into a single airline programme.

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Real-world scenarios by household type

The Coles-and-BP heavy household with one Qantas trip per year

BP Flybuys as primary. The fuel discount side alone justifies the card, and Coles-side grocery earn is dense. For the annual Qantas flight, convert Flybuys to Velocity if that trip is on Virgin, or accept that the Qantas trip will be booked with cash and use Flybuys purely as fuel discount. This is the highest absolute annual value for a heavy-fuel household.

The Qantas frequent flyer with 6+ Qantas segments per year

NAB Qantas Rewards Signature as primary. Direct Qantas Points earn, complementary insurance, potential lounge access via periodic promo, and reliable sign-up bonuses. Add Woolworths Everyday Rewards for the Woolworths-side loyalty, and Flybuys as a free secondary loyalty for Coles-side shopping. Pay the AUD 300 to AUD 400 annual fee and treat Qantas Points as the primary reward.

The mixed-family household (parents on Qantas, kids on Virgin, work travel varies)

ANZ Rewards Black as primary. Flexibility on transfer. The points sit as ANZ Rewards balance and get transferred based on the redemption you actually want that year. Accept the slightly lower headline earn rate as insurance against airline lock-in regret.

The two-car family filling up twice a week at Ampol EG (Woolworths Group)

BP Flybuys is wasted here. Consider Woolworths Everyday Rewards card (formerly Woolworths Rewards Titanium Credit Card variants) or a general Velocity or Qantas earn card, plus Woolworths Everyday Rewards for the loyalty layer. Ampol EG points via Woolworths Everyday Rewards deliver the fuel discount side.

The retiree household spending mostly at grocery and pharmacy, minimal fuel

Annual fee is the biggest lever. Consider a no-annual-fee cashback card (CBA Awards, Westpac Altitude, or a bank basic rewards card) and stack with Flybuys or Woolworths Everyday Rewards for grocery-side. The absolute reward return is lower but the net after fees is often better than a AUD 350 annual fee premium card.

The urban professional with a car for weekends only

Fuel spend is low, grocery spend is moderate. NAB Qantas Rewards Signature or ANZ Rewards Black based on flying preference. BP Flybuys does not compound enough on weekend-only fuel spend to justify the specialised earn.

The young family with high grocery spend across mixed supermarkets

ANZ Rewards Black plus Flybuys plus Woolworths Everyday Rewards. Card rewards on everything, plus store loyalty at whichever supermarket you happen to be at that day. This is the flexibility-first pattern.

The country household with two utes and long commutes

Fuel is a huge share of monthly spend, potentially AUD 800 to AUD 1,200 per month. BP Flybuys card with disciplined BP-only fills. The 4c/L saving compounds. Plus the elevated Flybuys earn on card spend delivers Flybuys points against Coles or Officeworks purchases.

The household paying utility bills, insurance, and streaming subscriptions on the same card

Rewards earn on non-category everyday spend matters here. NAB Qantas Rewards Signature or ANZ Rewards Black. BP Flybuys' earn is more concentrated on Coles Group partners; general everyday earn is thinner.

The frequent international traveller who values overseas travel insurance and lounge access

NAB Qantas Rewards Signature or a higher-tier product (Qantas Premier Titanium, Amex Platinum) delivers stronger travel benefits. Comparing on grocery-fuel earn alone misses the travel-insurance and lounge-pass value that these premium cards add.

The cashback and loyalty layer for Australian grocery buyers

Card rewards are one layer. The others are store loyalty (Flybuys, Woolworths Everyday Rewards) and online cashback via ShopBack. All three layers stack.

Coles online delivery: ShopBack cashback applies at the current published rate. Pay with any card (BP Flybuys, NAB Qantas, ANZ Rewards Black) for the card reward layer. Scan Flybuys number at checkout for Flybuys points. Three layers of reward on one transaction.

Woolworths online delivery: ShopBack cashback applies. Pay with any rewards card. Scan Woolworths Everyday Rewards for the loyalty layer. Same three-layer stacking pattern.

Amazon Australia: ShopBack cashback applies at published rate. Pay with any rewards card. No supermarket loyalty layer, but cross-category shopping.

BP fuel at the pump: Flybuys card gives elevated point earn. Redeem accumulated Flybuys points for the 4c/L discount at the pump.

Ampol EG at the pump: Ampol EG participates with Woolworths Everyday Rewards for point earn. Pay with your primary rewards card for the card layer.

Uber Eats or DoorDash grocery delivery: ShopBack cashback often applies on delivery-fee eligible orders. Pay with any rewards card.

When this comparison does not apply

• You are carrying a balance and paying interest: card rewards do not matter. Any interest rate above 15% wipes out all the reward value in the first month.
• You cannot commit to paying the balance in full monthly: consider a low-interest card or debit-only spending. Rewards cards typically carry higher interest.
• You have poor credit history and cannot qualify for premium cards: build with a basic card first, then upgrade.
• Your household income is below AUD 60,000 per year: some premium rewards cards have minimum income requirements. Verify current eligibility.
• You already have three or more open credit cards: card churn for sign-up bonuses can affect credit score. Take the long view.
• You never fly: Qantas Points and Velocity Points sit uncashed. Choose a cashback card instead.
• You are a small business owner with heavy fuel spend: business cards (NAB Qantas Business, Amex Qantas Business Rewards, ANZ Business Rewards) often have better earn rates on business categories than personal cards.
• You have a fuel card issued by your employer: your fuel spend is not personal spend. Choose the card based on grocery and other categories only.

Key takeaways

• BP Flybuys credit card wins for Coles-and-BP heavy households with high annual fuel spend; Flybuys point redemption as fuel discount plus card earn compounds fast
• NAB Qantas Rewards Signature is the mainstream Qantas earn card at the AUD 300 to AUD 400 annual fee tier for regular Qantas flyers with everyday spend around AUD 30,000 to AUD 60,000
• ANZ Rewards Black is the flexible workhorse for mixed frequent flyer households; ANZ Rewards Points transferable to Velocity and other partners
• Card rewards, store loyalty (Flybuys, Woolworths Everyday Rewards), and ShopBack cashback all stack on online grocery orders at Coles and Woolworths
• Free store loyalty programs are additive to any credit card choice; sign up for both Flybuys and Woolworths Everyday Rewards regardless of card
• For heavy drivers (100 litres per week or more), fuel discount redemption at BP via Flybuys often outperforms general cashback
• For Qantas frequent flyers (6+ segments per year), direct Qantas Points earn via NAB Qantas Rewards Signature avoids transfer friction
• Annual fee versus annual reward value should be recalculated each year based on actual spend patterns
• Verify current earn rates, transfer partners, and annual fees on issuer product pages; card terms change periodically
• Interest on carried balances wipes out reward value quickly; only run rewards cards if you pay in full monthly

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Disclaimer

The views and recommendations expressed in this article are those of the author.

Credit card earn rates, annual fees, sign-up bonuses, transfer partners, and complementary benefits change frequently. Please verify current product terms and product disclosure statements directly with NAB, ANZ, BP, and other issuers before making an application. Loyalty programme terms for Flybuys, Woolworths Everyday Rewards, Qantas Frequent Flyer, and Velocity Frequent Flyer are subject to change.

This article is intended for general informational purposes only and should not be considered professional financial or credit advice. Consult a licensed financial adviser for personalised recommendations.