Coles No Annual Fee Mastercard

Benefits of the Coles No Annual Fee Mastercard

The Coles No Annual Fee Mastercard comes with its share of benefits, and here’s what you can look forward to as a cardholder:

  • No annual fee. The Coles No Annual Fee Mastercard charges a $0 annual fee for life.
  • Balance transfer offer. Enjoy 0% p.a. interest on balance transfers for the first 6 months. You can transfer up to 80% of your available credit limit and any balance remaining at the end of the introductory period will accrue interest at the variable cash advance rate, currently 19.99% p.a.
  • Earn flybuys points. Earn 0.5 flybuys points per $1 you spend on eligible purchases. Points are awarded in whole numbers and rounded down. 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. If you earn or redeem points at least once every 12 months, your flybuys points do not expire.
  • Enjoy $10 off at Coles Supermarkets. Enjoy $10 off at any Coles Supermarket after redeeming 2,000 flybuys points. This excludes purchases of smoking/tobacco related products and all gift cards.
  • Up to 55 interest-free days. Save on interest charges with up to 55 days interest-free on purchases when you pay the full balance by the due date on each statement. Interest-free days do not apply to cash advances or if you’re carrying a balance from month to month, including when you transfer a balance to a credit card under a balance transfer promotion.

Features of the Coles No Annual Fee Mastercard

Keep these features in mind when you're comparing the Coles No Annual Fee Mastercard:

  • Coles Mobile Wallet App. This free app for Android and iPhone allows you to manage your account and flybuys points 24/7.
  • Foreign currency conversion fees. You will be charged 2.5% of the transaction amount for international purchases and cash withdrawals.
  • Additional cardholders. If you want to share your account with your partner or a family member, you can request up to 4 additional cards at no extra cost. This may help you earn flybuys points faster. Just remember that if you're the main account holder, you'll be responsible for all repayments and account management.
  • Card fraud protection. Mastercard Zero Liability Guarantee gives you a money back guarantee if you’re the victim of card fraud.

How to apply for the Coles No Annual Fee Mastercard

You can apply for the Coles No Annual Fee Mastercard online in around 10-15 minutes and should receive a response within 60 seconds of submitting your application. Before you apply, make sure you meet the following eligibility requirements and have necessary documents and details on hand:

Eligibility criteria

  • You are at least 18 years old
  • You earn more than $25,000 p.a.
  • You must be a permanent Australian resident

Required documents

  • Details of your income and employment
  • Personal identification i.e. Australian driver’s license
  • Your current flybuys number (if you have one)

The Coles No Annual Fee Mastercard offers many ways to save on standard card costs, including the $0 annual fee, Coles shopping benefits and flybuys rewards. As this isn't the only no annual fee credit card on the market, make sure you compare your options before applying.

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687 Responses

  1. Default Gravatar
    warrickJuly 11, 2019

    I am currently a bankrupt on disabilty support pension can Iget a cedit card

    • Avatarfinder Customer Care
      FayeJuly 12, 2019Staff

      Hi Warrick,

      Thanks for contacting Finder.

      You may not be approved for a credit card. Credit card issuers use your credit score and the information on your credit report, as well as your income, employment situation and other factors, to determine your reliability as a borrower.

      While a bad credit score can have a negative impact on your chances of getting a credit card in the short term, working to improve your credit rating can help increase your chances of getting approved for a credit card in the future. Please check this page on how to improve your scores.

      Alternatively, please check what credit products you can with bad credit from this page.

      I hope this helps.


  2. Default Gravatar
    JohnNovember 22, 2018

    Can I pay more than the required Minimum Monthly Repayment? Some credit cards with 0% interest over X months don’t let you pay more than the minimum repayment, so they can charge you interest on the balance of your account after X months

    • Avatarfinder Customer Care
      JoshuaNovember 26, 2018Staff

      Hi John,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      According to Coles’ website, you can pay more than the required minimum monthly payment. When you do this, the extra payments made will reduce your outstanding balance further, which means you have more available credit to access your account.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  3. Default Gravatar
    sharonMarch 16, 2018

    Can disability pensioners apply for a credit card?

    • Avatarfinder Customer Care
      JhezMarch 17, 2018Staff

      Hi Sharon,

      Thank you for your comment.

      There are lenders who consider pension as an income. Here are the list of the providers who may consider pension as an income. Kindly check the guide and see the requirements before submitting an application.

      For Coles Mastercard, you will need to provide your pension statement. Some other financial institution may require you your recent 3 months of pension statement and a letter from Centrelink showing your name and the permanent government pension amount.

      Hope this helps.


  4. Default Gravatar
    janeJuly 31, 2017

    Can I have a second card so there are 2 users of the card ?

    • Default Gravatar
      LiezlJuly 31, 2017

      Hi Jane,

      Thanks for your question.

      Yes, you may contact Coles directly to request an additional card for free. Please note that additional cards can be issued to applicants over the age of 16.


  5. Default Gravatar
    PeterJuly 17, 2017

    I have been offered credit cards by my bank (NAB) for use by my company car drivers in their name but paid for by the company. There is an annual fee for each card. Can you do something similar but for no annual fee? There are about 8 or 9 cards required.

    • Default Gravatar
      JonathanJuly 19, 2017

      Hello Peter,

      We understand that you want to have no annual fees card for your drivers. You may compare our list of no annual fee cards for your needs.

      If you wish to get more out of spending on fuel by getting points, fuel cards may also be an alternative. They may have some monthly account fees but are smaller than regular petrol credit cards.

      Hope this helps.


  6. Default Gravatar
    JanJune 12, 2017

    The no annual fee card, does it have an account establishment fee?

    • Default Gravatar
      DanielleJune 13, 2017

      Hi Jan,

      Thank you for contacting We are a comparison website and general information service, we’re more than happy to offer general advice.

      The Coles No Annual Fee Mastercard does not have an annual fee or a set up fee. All the fees and repayments are listed on the page, simply click on “Fees & Repayments” right next to “Application Requirements”. For more details, you may click on the orange “Find out more” button, or the green “Go to Site” button.

      I hope this helps.


  7. Default Gravatar
    JasperJune 1, 2017

    How can I tell if my Coles mastercard is no annual fee. It doesn’t say anywhere on the card.

    • Avatarfinder Customer Care
      JhezJune 1, 2017Staff

      Hi Jasper,

      Thanks for getting in touch with

      You can determine if your Coles Mastercard has no annual fee, if the bottom front part of the card shows “NO ANNUAL FEE” embossed on it.

      Hope this helps.


  8. Default Gravatar
    JasperJune 1, 2017

    How can I tell if my Coles MasterCard has no annual fee?

    • Avatarfinder Customer Care
      RenchJune 1, 2017Staff

      Hi Jasper,

      Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer a general advice.

      It’s stated on this page that they offer 0% annual fee for Coles Mastercard. It’s best to give your card details to Coles Financial Services and contact them directly to confirm if your card has no annual fee.

      Best regards,

  9. Default Gravatar
    TracieMay 16, 2017

    1. can I put the Coles No Annual Fee Mastercard under a business, with an ABN number.

    2. And can I transfer from my business credit card to the 0 % per 6 months interest free balance.

    • Avatarfinder Customer Care
      DeeMay 22, 2017Staff

      Hi Tracie,

      Thanks for your question.

      Coles No Annual Fee Mastercard is only available to individual applicants and not businesses.

      If you are looking to apply for a balance transfer credit card for businesses, you may compare your options here.


  10. Default Gravatar
    LouiseApril 5, 2017

    I transferred from a Coles MasterCard with an annual fee to Coles no annual fee card earlier this year am entitled to the no interest period.

    • Avatarfinder Customer Care
      HaroldApril 6, 2017Staff

      Hi Louise,

      Thank you for your inquiry.

      As long as you’ve been approved for Coles No Annual Fee MasterCard you can be entitled for no annual fee. But it would be always nice to double check with the provider your eligibility.

      I hope this information has helped.


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