ok, havent read through 11 pages,
but here is my tips on how to get the best value for money,
I understand that if you had a coles master card your points would be doubled but for those that dont have one nor intend to!
Use Visa/MC card (site doesnt accept amex) which gives you 1 QFF point per $1 spent
and buy the entertainment book which gives you 5% off with free postage,
so essentially, your food bill becomes 5% off and your petrol 7.5c per L off at $1.50
use the petrol vouchers to get 4c+ off
you get 1 point per $1 for every purchase on flybuys,
so you basically get double points for everything, previously it was $5 per 1-2 points which made it useless, hence I didnt do any shopping at coles,
the entermainmet book accepts amex with 5% off for woolworths vouchers but you don't get flybuys points only extra qFF points if you spend $30+ (which I rarely do)
so if any other people have any tips to maximise points, would be appreciated,
in the past since the ratio was so poor, I didnt even consider it a rewards program, but now I see it as my points accumulation as double
EDIT: Oh and if you have a staff discount (which I dont), that would be another 5-10% off!!!!!!