Woolworths Everyday Extra vs Coles Plus vs Costco 2026: Membership Verdict

Updated: September 2026.

TL;DR verdict

For most Australian households in 2026, the picks are Woolworths Everyday Extra at A$7/month if you spend over A$180 in a single Woolies shop each month, Coles Plus Saver at A$7/month if you spend over A$70 in a single Coles shop, and Costco Gold Star at A$65/year if you have a large enough freezer or a family of four or more. Coles Plus at A$19/month or A$199/year only makes sense if you order online at least twice a month with the new A$75 minimum. Costco is the only one of the three where the annual fee reliably pays back on per-unit pricing rather than a coupon or points multiplier, but it requires a bulk-buy shopping style. Households can stack a supermarket membership with cashback via ShopBack on eligible transactions with participating merchants.

The pricing that changed in 2026

Both Woolworths and Coles reset pricing during the year. That matters for the break-even calculation.

• Woolworths Everyday Extra. From 30 July 2026, Everyday Extra shifted to a monthly plan at A$7 per month, or A$70 per year on annual. Money Magazine reported this as roughly a 20 percent price jump versus the prior annual-only fee (Money Magazine, 2026).
• Coles Plus. From 9 September 2026, Coles Plus was rebranded to Coles Plus Delivery. The minimum order for free delivery rose from A$50 to A$75. Coles Plus Saver, a lighter A$7/month tier introduced during 2026, sits alongside Coles Plus Delivery.
• Costco Australia. Gold Star membership held at A$65 per year through 2026. The Business (Executive) tier is A$60/year for business owners and does not offer 2 percent reward in Australia the way US Executive does.

Membership benefits, plainly

Woolworths Everyday Extra (A$7/month or A$70/year). 10 percent off one shop per calendar month at Woolworths in-store or online, 2x Everyday Rewards points on every Woolworths and Big W shop, subscriber-only price offers, and free delivery through the Woolworths delivery app on eligible orders. Everyday Rewards points convert 2,000 points to A$10 off shop, or transfer to Qantas Frequent Flyer at a 2,000 point to 870 Qantas points rate.

Coles Plus Saver (A$7/month). One 10 percent discount per month at Coles (in-store or online), 2x Flybuys points on eligible purchases, and access to member-only offers.

Coles Plus Delivery (A$19/month or A$199/year). Free unlimited delivery on Coles online orders over A$75, free Rapid Click and Collect, 2x Flybuys points, and bonus Flybuys sign-up offers.

Costco Australia Gold Star (A$65/year). Access to all 15 Australian warehouses. Bulk pricing on groceries, appliances, homewares, fuel, tyres, hearing aids, and travel. No points scheme. The value is member-only per-unit pricing that consistently undercuts Woolworths and Coles on shelf-stable and freezer categories.

Break-even math per household

The Everyday Extra 10 percent off is capped at one shop per calendar month. Money Magazine noted that at A$7 per month the break-even shop is A$70, but the practical trigger point is higher because you want the discount to also cover the monthly fee plus deliver meaningful savings.

Membership	Monthly fee	Break-even shop (to recover fee)	Break-even shop for A$10+ net savings
Woolworths Everyday Extra	A$7	A$70 monthly shop	A$180 monthly shop
Coles Plus Saver	A$7	A$70 monthly shop	A$180 monthly shop
Coles Plus Delivery	A$19	~2 delivery orders over A$75	3+ delivery orders per month
Costco Gold Star	A$5.42/month (A$65/year)	1 large bulk shop where per-unit savings are 15 to 25 percent	Ongoing family use

The 2x points component of both Everyday Extra and Coles Plus adds up over time. Point Hacks calculated that a household spending A$300 per week at Coles earns roughly 3,120 base Flybuys points per year, which doubles under Coles Plus. That extra 3,120 points is worth around A$15 in redemptions.

What each membership does best

Woolworths Everyday Extra: the biggest single-shop discount. The 10 percent off cap makes it a "batch your big shop" tool. If you can consolidate a monthly A$180 to A$250 top-up into one Woolworths shop, the A$18 to A$25 saving covers the A$7 fee more than three times over. Then the 2x Everyday Rewards points on all other shops (at Woolworths and Big W) is the icing.

Coles Plus Saver: the cheaper mirror. At A$7/month, Coles Plus Saver is a like-for-like alternative to Everyday Extra for households loyal to Coles. Same 10 percent discount cap, same 2x points structure. The choice between the two often comes down to which supermarket is closer or which loyalty program you already have redemption partners in.

Coles Plus Delivery: for high-frequency online shoppers. The A$19/month or A$199/year fee only pays back if you place at least two online orders monthly over A$75. Rapid Click and Collect access is a genuine time saver in dense urban locations. The 9 September 2026 minimum-order lift from A$50 to A$75 pushed some households off the tier.

Costco Gold Star: for bulk shoppers with storage. No points, no coupons. Just per-unit pricing that reliably beats Woolworths and Coles on paper towels, laundry detergent, protein packs, olive oil, and cheese blocks. Petrol at Costco fuel stations is often 8 to 15 cents per litre below the local average. A family of four with a chest freezer breaks even on the A$65 annual fee within the first two shops. YourLifeChoices reports Costco Australia now has 15 warehouses and continues to expand.

Who each membership fits

Solo or couple, small weekly shop. Skip all three. The A$7 to A$19 monthly fees rarely recoup on shops under A$60. Focus on ShopBack cashback windows and Everyday Rewards or Flybuys point accrual on the free tier.

Family of four, consistent weekly Woolworths or Coles shop. Everyday Extra or Coles Plus Saver at A$7/month. Pick the supermarket you shop at most. Consolidate one monthly top-up into the 10 percent discount shop for maximum recovery.

Online-first family, city apartment. Coles Plus Delivery at A$19/month or Woolworths Everyday Extra with delivery. Coles Plus Delivery wins on Rapid Click and Collect access; Everyday Extra wins on integrated points and Big W coverage.

Bulk shopper with freezer and storage. Costco Gold Star at A$65/year. Best per-unit pricing on essentials. Pair with the Costco fuel station for another 8 to 15 c/L saving.

Stack strategy. Nothing prevents you from holding Everyday Extra plus a Costco Gold Star. Total A$149 per year buys a broad savings surface across three supermarket chains.

When these memberships do not apply

If you shop primarily at Aldi, none of these three make sense. Aldi does not run a paid membership tier. If you shop at farmers markets or independent grocers as your default, the membership fee is dead cost. If you live regionally without a Costco within an hour's drive, the Gold Star membership only makes sense if you shop the Costco online store, which has thinner inventory and higher shipping thresholds.

Households on a strict cash budget under A$120 per week at supermarkets should stay on the free tiers. The paid memberships assume you have a large enough shop that the 10 percent discount or the bulk per-unit saving is meaningful.

How to stack cashback

Use ShopBack to layer cashback on eligible non-grocery purchases. Cashback available on participating merchants including Big W (a Woolworths Group brand), Kmart, Target, Amazon Australia, and many household categories. Check ShopBack for the current cashback rate at each store before you shop. Activate ShopBack via the browser extension or app so eligible cashback is tracked at checkout.

Membership fees themselves are not typically ShopBack cashback eligible. But the shopping you do to justify the membership fee often is. Compare on ShopBack before you finalise larger household purchases.

Frequently asked questions

Is Woolworths Everyday Extra worth A$70 per year in 2026?

Yes if you spend at least A$140 per month at Woolworths or Big W. The 10 percent off one monthly shop, plus the 2x Everyday Rewards points on every other shop, comfortably recovers the A$70 annual fee. Money Magazine noted the fee moved to a monthly A$7 model from 30 July 2026 (Money Magazine, 2026).

What is the difference between Coles Plus and Coles Plus Saver in 2026?

Coles Plus Saver is A$7/month and gives one 10 percent discount at Coles per month plus 2x Flybuys points. Coles Plus Delivery is A$19/month or A$199/year and adds free unlimited Coles online delivery on orders over A$75 (up from A$50 on 9 September 2026) plus free Rapid Click and Collect.

How much is Costco Australia membership in 2026?

Gold Star membership is A$65 per year. Business membership is A$60 per year for eligible business owners. Costco Australia does not offer the US-style 2 percent Executive reward. Access covers all 15 Australian warehouses.

Which membership gives the biggest single-shop discount?

Woolworths Everyday Extra and Coles Plus Saver both deliver 10 percent off one shop per calendar month. On a A$300 shop, that is A$30 saved on a A$7 monthly fee, a net saving of A$23. Costco does not run a coupon-style discount; the value is baked into per-unit pricing.

Can I hold both Woolworths Everyday Extra and a Costco membership?

Yes. There is no exclusivity clause. A household holding both spends A$149 per year total (A$70 + A$65 + $14 Coles Plus Saver adjustment example) and gains discount access across three retailer networks. This stacking is common for family-of-four shoppers.

Do Everyday Rewards points transfer to Qantas Frequent Flyer?

Yes. Everyday Rewards points convert to Qantas Frequent Flyer at 2,000 Everyday Rewards points for 870 Qantas points. Or you can redeem them as A$10 off shop directly. Everyday Extra members earn double points on eligible Woolworths and Big W shops.

Do Flybuys points transfer anywhere useful?

Flybuys points convert to Etihad Guest miles and Velocity Frequent Flyer (Virgin Australia) at capped ratios. Or you can redeem them as A$10 off a Coles or Kmart shop, or through the Flybuys travel and dining catalogue. Coles Plus and Coles Plus Saver members earn double Flybuys on eligible shops.

Is Amazon Prime cheaper than Coles Plus for delivery?

Amazon Prime in Australia is A$9.99/month or A$79/year. It covers Amazon Australia delivery, Prime Video, and Prime Music. Coles Plus Delivery at A$19/month covers Coles online orders only. They are not substitutes; households often hold both.

Which supermarket has the strongest paid-membership deal for singles?

None of the three make strong sense for a single-person household with a weekly shop under A$100. Focus on the free Everyday Rewards or Flybuys tier and layer cashback via ShopBack on eligible non-grocery categories.

Can I use ShopBack cashback at Big W or Kmart?

Cashback available on eligible participating merchants including Big W, Kmart, and Target on ShopBack. Check the ShopBack store page for the current cashback rate and eligible category list before you shop. Activate ShopBack via the extension or app to track eligible transactions.

Does Costco Australia sell fuel to non-members?

No. Costco fuel stations require a valid Gold Star or Business membership at the pump. The fuel discount versus local suburban stations is typically 8 to 15 cents per litre and is a common single-line justification for the A$65 annual fee for households doing 50+ litres per week.

Is there a free trial for Everyday Extra or Coles Plus?

Both programs occasionally run first-month free promotions for new members. Check the current terms on the Woolworths Everyday Extra page or the Coles Plus page directly. Free trials do not stack across the monthly and annual plans.

Which membership is easiest to cancel?

Both Everyday Extra and Coles Plus Saver auto-renew monthly and can be cancelled through the app or online account in under two minutes with no cancellation fee. Costco Australia offers a 100 percent membership fee refund if cancelled at any point during the membership year.

Does the 10 percent Everyday Extra discount apply to gift cards or tobacco?

No. Woolworths Everyday Extra 10 percent off excludes gift cards, tobacco, liquor, lottery products, postage stamps, and some third-party services. The exclusion list is on the Woolworths Everyday Extra terms page.

Primary sources referenced

• Everyday Extra fees jump 20% in move to monthly subscription, Money Magazine, 2026
• The Ultimate Guide to Coles Plus, Point Hacks
• Coles, Costco & Woolworths Paid Membership Programs, Canstar
• Costco Australia Membership
• Everyday Extra Woolworths

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Author: Trang Do is a Personal Finance Writer at ShopBack, covering household savings and cashback strategy for Australian readers. Membership pricing was accurate at time of publication. Verify current fees and terms on the retailer site before subscribing. This article is general information, not financial advice. Cashback rates and eligible categories change; check the ShopBack store page for current terms.