Ann: 2016 First Quarter Retail Sales Results, page-25

I like the coles system, now that I have worked it out - saves me literally hundreds of dollars a year, and it helps me organise how I shop, no more running into the shop to pick up a few bucks worth of stuff, strategic shopping I call it... & the extras given for taking out coles insurance, wowwee! and half the price of my previous policy with another company... but look at the % discounts, atm spend $80 and get 500 points extra, is = $2.50 so that is nearly 3% discount, will take that thankyou on already discounted products... (I only buy things when they are on special or already the best price available) and that % discount is higher than my bank account interest rate...