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Helloooo,
Thoughts of the week:
We’ve had one last minute cancellation for the Money Sleepover Retreat. If you are feeling spontaneous, I’d love to see you there next week!
Black Friday is coming up again! Here’s your reminder to avoid the pressure/fomo as much as possible. There will be more sales (cyber Monday, Boxing Day), plus they’ll all happen again next year!
Instead of buying as much as possible, use these sales periods to buy things you were already planning on purchasing, but for a discount. You can try and maximise points offers too 👀
A vending machine charged me $6.20 for an Up & Go the other day. I like to use these moments as reminders that if a vending machine has the audacity to charge more than a petrol station with employees, then I can really do anything I want as well 😂
Gift card offer ⚡️
20x Everyday Rewards on Apple gift cards at Woolies
🛒 How it works
Available in store only at Woolworths
Buy Apple gift cards (any value or combo)
Scan your Everyday rewards card at checkout (no activation required)
You’ll earn 20x points per $1 spent
📱 Example: iPhone 17 Pro ($1,999)
Here’s what it looks like if you pay using gift cards:
3 × $500 Apple Gift Cards = $1,500
1 × $400 Apple Gift Card = $400
1 × $99 Apple Gift Card = $99
Total spend: $1,999
You’d gain 39,980 Everyday Rewards points from that purchase.
💡 What that’s worth
Around $199.90 off at Woolies, Big W or BWS
✈️ Or convert it into 19,990 Qantas Points
⚠️ Things to keep in mind
Limit of ten Apple gift cards per Rewards Member per day
If you want more than 100k bonus points, spread your purchases over a few days
Bonus points can take up to 14 business days to be received
Bonus points offer 💃🏻
50% off OnePass and unlock 5x Flybuys points
📝 How it works
Get 12 months of OnePass for $20 (normally $40)
Available for new and returning customers
5× Flybuys points per $1 spent at Kmart, Target, Bunnings & Officeworks
Free delivery on eligible orders
365 day free returns + early access to deals
👉 Already a member? If your renewal is coming up soon, head to your account and if you start the cancellation process, OnePass will offer you the lower $20 renewal price.
💡 What’s it worth
Spend $1,000 across eligible stores = 5,000 Flybuys points = $25 value
You only need to spend $1,000 in a year to cover the cost of your $20 membership
⚠️ Things to keep in mind
Auto renews at $40/year unless cancelled
Free delivery doesn’t apply to Bunnings (but does apply to Kmart, Target, Catch)
Only worth it if you shop at these stores
Travel offer ✈️
Double Velocity Points on Virgin Australia flights
📝 How it works
To access the offer, you must activate it first via the Velocity app
Book an eligible flight operated by Virgin for travel any time up until 6 October 2026
You’ll earn 2x the usual Velocity Points on eligible Virgin Australia flights
🧠 Why it’s worth it
If you’re booking holiday travel, planning a getaway next year, or even flying for work - this is an easy points boost. Book your trip during this promo period while the double points are on offer, and reap the rewards later.
⚠️ Things to keep in mind
You must activate the offer before you book
Bonus points usually land within 4 weeks
Eligible flights include domestic, Trans-Tasman and short haul international flights (not partner airlines)
Bonus points bundle 💃🏻
Free Coles Plus Saver + earn up to 8,000 bonus Flybuys points
Coles is running two major offers you can stack to maximise savings in the lead up to the holidays.
Free 3 month Coles Plus Saver membership
Sign up using code SAVERFREE
Offer available to new customers only
Includes:
→ 2x Flybuys points at Coles, Liquorland & First Choice
→ 10% off one Coles shop per month (up to $50/month)
Up to 8,000 bonus Flybuys points on Coles online
Valid for online orders collected or delivered by 15 November 2025
Offer must be activated in your Flybuys account and linked to your Coles Online profile
Earn bonus points based on a single transaction:
→ Spend $200-$249.99 = 3,000 points
→ Spend $250-$349.99 = 5,000 points
→ Spend over $350 = 8,000 pointsOffer is redeemable twice per Flybuys account
Minimum spend is calculated after savings & discounts
💡 Why it’s worth it
If you spend $400 on one big shop:
→ Save $40 from the 10% discount
→ Earn 8,000 bonus points = $40 off groceries (or 4,000 Velocity Points)
→ That’s $80 total value from one orderAnd you still have two more months of 10% off and double points left to use
You’re not paying a cent for the membership if you cancel before the free trial ends
⚠️ Things to keep in mind
Free trial is only available to new customers or those who haven’t claimed it in the last 12 months
Cancelling before the trial ends forfeits remaining free months
Subscription auto renews at $7/month unless you cancel
Bonus points offer only apply per transaction, cannot be combined across separate shops
Gift card offer⚡️
2,000 bonus Flybuys points on Coles Mastercard Gift Cards
🛒 How it works
Head in store to Coles
Buy a $100 or $250 Coles Mastercard Gift Card
Scan your Flybuys card at checkout (no activation required)
Limit of five gift cards per Flybuys account
$5 fee on $100 card, $7 fee on $250 card
💡 Breakdown of the costs
Unlike retail gift card offers, these Mastercard gift cards work almost like cash, meaning you can use them:
On bills (including ATO or some BPAY payments)
At the supermarket
At any store that accepts Mastercard (online or in person)
If you max out the offer with five $100 cards, that’s 10,000 points for just $25 in fees worth 5,000+ Velocity Points when transferred.
Here’s an example:
5 × $100 cards | 5 × $250 cards |
|---|
Cost (gift cards) | $500 | $1,250 |
Fees | $25 ($5 × 5) | $35 ($7 × 5) |
Total cost | $525 | $1,285 |
Bonus Flybuys points | 10,000 | 10,000 |
Velocity points | 5,000 | 5,000 |
✈️ Is it worth it?
If you're already planning to spend money on essentials or large bills, this is a low effort way to earn extra points especially if you combine it with cashback offers. You’re essentially grabbing 5,000 Velocity points for $25 cash which almost covers a one-way flight from Sydney to Melbourne (+ fees & taxes).
⚠️ Things to keep in mind
There is a purchase fee (see table above)
Points usually land within 4 weeks
Not all online merchants accept prepaid Mastercards
Money win 💸
Sign up & spend to get $40
With Revolut, you can enjoy credit card perks - using just a debit card.
A quick note: this section is sponsored, which helps us keep sharing free, helpful money content with you each week.
Why it’s worth it:
Range of plans starting from $0 monthly account fees
Earn RevPoints on everyday spending with just a debit card
Redeem Points 1:1 to Airline Miles, gift cards, discounts on hotel accom and more
Complimentary travel insurance for trips booked with Revolut
Great exchange rates for travel (up to 10x cheaper than the big banks)
Discounted airport lounge passes, eSIMs + more
10x cheaper based on exchanging AU$1K Mon–Fri within monthly allowance. See http://revolut.com/en-AU/au-fx-substantiation for more info. RevPoints, eSIM & Lounge T&Cs apply. Some benefits on paid plans only. Travel insurance T&Cs, eligibility criteria, limits & exclusions apply. No advice is given on whether travel insurance is suitable for you. Read T&Cs to decide if travel insurance is right for you. Travel insurance issued by Chubb Insurance Australia Limited. Consider PDS & TMD at http://revolut.com/AU/. Revolut Payments Australia Pty Ltd (AFSL 517589)
On the podcast this week:
Is it ethical for companies to promote accessing your super for cosmetic procedures?
