Coles No Annual Fee Mastercard

• Credit rating. You must have a good credit rating.
• Eligible balance transfer debt. If you want to transfer a balance to this card, you can transfer up to 80% of your available credit limit.

Required documents

• Personal details. This includes your full name, date of birth, contact number, email address, residential address and marital status. You also need to provide a valid form of ID, such as your driver's licence or passport.
• Employment details. This covers your salary, job title, length of employment and your employer's contact details. You may also need to provide supporting documentation, such as recent payslips or your latest financial year income statement.
• Financial details. This includes any government payments or other sources of income, as well as savings and assets. You also need to provide details of existing debts, loans and cards, along with regular household expenses including rent or mortgage payments and bills.
• Flybuys details. You need to provide your existing Flybuys membership number to earn points and have your loyalty account details printed on the credit card. If you're not already a member of the Flybuys program, you will be automatically enrolled when you apply for the Coles No Annual Fee Mastercard.
• Balance transfer details. If you are planning to transfer a balance, you'll need to provide details including the total amount of debt you want to transfer, your account name and number, as well as the BSB for the institution that currently holds the debt.

• Flybuys points. This card offers the equivalent to 0.5 Flybuys points per $1 on eligible purchases, up to $5,000 in each statement period. Points are awarded in whole numbers and rounded down. Eligible purchases cover most everyday transactions including groceries, petrol and dining. Transactions that are not eligible for points include cash advances, balance transfers, and account fees.
• Flybuys membership details. You can use this card to earn points through your Flybuys account by scanning the membership barcode that's printed on the back of it when you shop with Flybuys partners. You can redeem Flybuys points for a variety of rewards including money off your shop at Coles Supermarkets and retail items. If you earn or redeem points at least once every 12 months, your Flybuys points will not expire.
• Mobile payment compatibility. Coles credit cards are compatible with Apple Pay, Samsung Pay, and Google Pay. The Coles Mobile Wallet also lets you manage your account and activate Flybuys offers at any time on the free app for Android or Apple devices.
• Card security. The Coles Shield security service offers 24/7 account monitoring and alerts, while the Mastercard Zero Liability covers you against fraudulent transactions.

• Up to 44 interest-free days. You can save on interest charges with up to 44 days interest-free on retail purchases when you pay the total outstanding balance (including any balance transfers) by the due date on each statement. Note that interest-free days are not offered for cash advances, balance transfers, special promotions or account fees and charges.
• Foreign currency conversion fee. A 3% fee applies for transactions made overseas or online in a foreign currency.
• Additional cardholders. If you want to share your account with your partner or a family member to earn Flybuys faster, you can request up to 4 additional cards at no extra cost.