Choose how you shop
Everything on this page updates live. Both tiers earn points at the same rate — membership makes each point worth more.
Shop the range
Live products and prices from harrisfarm.com.au.
What it costs us
Clayfield, over a full year. Move any slider to see where the scheme stops paying for itself.
Why redemption is cheaper than it looks
Points are paid back in groceries, so a dollar redeemed costs us cost of goods, not shelf price. At 40% gross margin that is 60 cents in the dollar — a 3% headline is a 1.8% real cost.
Where the funding comes from
The $65 fee only covers about 1.7% for a heavy shopper. What pays for the rest is consolidation: roughly 6% more spend from participants covers a 3% return at this store.
What the model leaves out
It assumes every point is redeemed. Real schemes see 10–30% expire unclaimed, so there is headroom here we have not counted.
Group context: FY25 revenue $925.5m against an $11.4m net loss. Margin headroom is thin, which is why the funding side matters more than the headline rate.