Coles has announced a nationwide checkout change aimed at helping millions of Australians facing ongoing cost-of-living pressures.

Flybuys members can now instantly redeem 20,000 points at the checkout to receive up to A$100 off their in-store grocery shop.

The new feature allows customers to use their rewards immediately instead of waiting for separate discount vouchers.

Coles says the move is designed to make grocery savings easier and more flexible for families managing tight household budgets.

The retailer hopes the nationwide rollout will provide more value at the checkout as living expenses remain high across Australia.

The initiative is now available in Coles supermarkets nationwide for eligible Flybuys members.