Exclusive Offer

Coles No Annual Fee Mastercard – Exclusive Offer

A rare combination of no interest on purchases and balance transfers, no annual fee and bonus points.

When you apply for the Coles No Annual Fee Mastercard through Finder by 30 June 2021, you’ll get 10,000 bonus Flybuys points after making your first eligible purchase within 30 days of approval. You also get a 0% p.a. interest rate on both your purchases and balance transfers for the first 12 months. Plus, no annual fee for life.

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0% p.a.

Balance transfer rate

for 12 months


Bonus points

0% p.a.

Purchase rate

for the first 12 months (reverts to 19.99% p.a.)


Reward points

Per $ spent

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Product NameColes No Annual Fee Mastercard - Exclusive Offer
Rewards programFlybuys
Balance transfer rate0% p.a. for 12 months
Balance transfer revert rateCash Advance Rate (19.99% p.a.)
Balance transfer limit80% of available limit
Purchase rate0% p.a. for 12 months, reverts to 19.99% p.a.
Annual fee$0
Interest-free periodUp to 55 days on purchases
Cash advance rate19.99% p.a.
Min credit limit$2,000
Card typeMastercard
Foreign currency conversion fee2.5%
Minimum income$25,000
Available to temporary residentsNo
Joint applicationNo


  • Ongoing $0 annual fee
  • 10,000 bonus Flybuys points
  • 0% p.a. on balance transfers and purchases for 12 months
  • Earn Flybuys points for your spending


  • Flybuys points earn rate is low at the equivalent of 0.5 points per $1 spent
  • The revert interest rates are relatively high
Rewards programFlybuys
Bonus points10,000
Rewards points per $ spent0.5
Rewards points capUncapped
Annual fee$0
Minimum monthly repayment2% of the closing balance or $30, whichever is greater
Late payment fee$30
Foreign currency conversion fee2.5%
Cash advance fee3% or $1.95, whichever is greater
Overseas cash advance fee$5
Additional cardholder fee$0
Number of additional cardholders4

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

This exclusive offer on the Coles No Annual Fee Mastercard gives you a way to get rewarded and save on interest, with bonus Flybuys points and no interest on purchases or balance transfers for the first year. All you need to do to get the 10,000 bonus points is make an eligible purchase within 30 days of approval – like shopping at the supermarket or getting some dinner. You’d then have enough Flybuys points for $50 off your shop at Coles, 5,000 Velocity Points or something else from the Flybuys website.

How to apply

You can apply for the Coles No Annual Fee online and get a response within 60 seconds of submitting it. Before you get started, make sure you meet the eligibility criteria and have all the details you need to complete the application.

Eligibility criteria

  • Apply through Finder. To take advantage of the 10,000 bonus points and 0% introductory offer for balance transfers and purchases, you need to apply through Finder before 30 June 2021. You also need to be a new Coles Mastercard customer.
  • Minimum income. You must earn at least $25,000 per year.

Card benefits

  • Balance transfer offer. Apply through Finder by 30 June 2021 and get 0% interest on balance transfers for the first 12 months, with no balance transfer fee. Any unpaid balance after the introductory period will be charged interest at the cash advance rate, currently 19.99% p.a.
  • Purchase rate offer. Save with 0% interest on new purchases for 12 months, reverting to 19.99% p.a. thereafter. This offer is available to new customers who apply through Finder until 30 June 2021.

Rates & fees

  • Purchase rate. Outside of any promotions, the Coles No Annual Fee Mastercard charges an interest rate of 19.99% p.a. on purchases.
  • Cash advances. If you use this card to withdraw cash or make other cash advance transactions, an interest rate of 19.99% p.a. will apply. A cash advance fee of 3% of transaction amount or $1.95 (whichever is greater), will also apply in Australia, and a fee of $5 applies if you make a cash advance overseas.

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