program, with the issuing of points for major brands increasing to 1 point for $1, and AGL, Telstra and Webjet became new partners. Points no longer expired if members used their card or redeemed points at least once a year. New cards were sent to over 8 million households in Australia. At the same time, a new benefit was introduced, under which Flybuys members could obtain a 10% discount off five product categories of their choice. A consumer study of Australian loyalty programs in 2013 showed that Flybuys was easily the most popular program in Australia. In April 2018, Wesfarmers stated it would be demerging the Coles business, but it retained a substantial ownership stake in Flybuys. In November 2018, Wesfarmers and Coles announced the appointment of John Merakovsky as chief executive officer of Flybuys. Collecting points Flybuys points collection is directed largely at regular consumer purchases, and most points are issued by major Coles and Wesfarmers brands – food (Coles Supermarkets), fuel (Coles Express), discount department stores (Kmart, K Hub, Target and catch.com.au), and liquor (Liquorland and 1st Choice). Coles also offers points for members who take up Coles car or home insurance. Additional points can be collected from transactions on the Coles MasterCard (issued by Citibank) or selected NAB credit cards, if they have been "linked" to a Flybuys membership. In some circumstances, that allows for one transaction to gain points from two sources: e.g. if a member pays for grocery purchases at Coles Supermarkets with a NAB credit card, both Coles and NAB would issue points for the one transaction. Other brands which participate, but are not associated with the owners of Flybuys, include AGL, Optus, Budget Rent a Car and HCF. In October 2012, Flybuys created the Flybuys Toolbar in conjunction with Yahoo!7, enabling members to collect points from their web searches. In July 2013, Australia's largest health insurer Medibank joined Flybuys, but left in 2019. In November 2021, it was announced that Bunnings Warehouse would be joining the program for the first time, and that Officeworks would be re-joining. In most cases points accrue at the rate of 1 for every $1 spent. The participating retailers also issue additional bonus points on a promotional basis. As noted above, points do not expire provided the card is used (or points redeemed) at least once per year. Former participants in Flybuys include Myer (which withdrew in 2007