Coles Reloadable MasterCard

Coles Reloadable MasterCard

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Coles Financial Services offers Australians a convenient way to make purchases anywhere, at any time, without the hassle of a credit check or the weight of interest payments

  • Free to reload
  • No monthly fee
  • Collect flybuys points

Product details

The Coles Reloadable Card is a prepaid debit card that gives you the same buying advantages as a MasterCard, yet without accumulating interest. Linked to the flybuys program, you can earn points on your card, to redeem for rewards and discounts off your shopping. Manage your everyday purchases, whether it be in person or online.


Your purchases work could towards real money off of your Coles Supermarket bill using flybuys dollars.

Important Information

Coles Reloadable Mastercard is no longer available to new customers. Existing customers will not be affected by this change.

What are the features of the Coles Reloadable Card?

You will find that with the Coles Reloadable Card, you get many of the same benefits found with any credit card plus a few more:

  • Maximum amount. There is a maximum of that you can have loaded onto your prepaid card at any one time.
  • Top ups. A maximum of $500 may be added to the card monthly, and you may not exceed $6,000 in a 365 day period. There is a minimum of $10 allowed with topping off, which can be done online or by a direct transfer from your bank account.
  • Fees. You are charged a onetime fee of when you purchase the card, but will not be charged for adding any funds. There is also a $5 fee if you need to have your prepaid card replaced.
  • Online management. You can check your balance and transactions for free online.
  • Currency Conversion fee. There is a 3% charge of the Australian dollar amount for any transaction that requires currency conversion.
  • Flybuys. As a condition of purchasing a Coles Reloadable Card you must be an existing member of the flybuys program or agree to become one. Your flybuy number will be embedded on the back of your card, allowing you to earn extra points easily when you shop with any of the flybuy partners. That includes Coles Supermarkets, Kmart, Target and others.

Does Coles offer credit cards?

Coles offers three types of Mastercard credit cards including:

  • Low rate credit card
  • No annual fee credit card
  • Rewards credit card

These cards are ideal if you regularly shop at Coles as they offer rewards and benefits for doing so. You can find out more and compare your options on Coles Credit Card promotions pages.

  • Points earning. For every two dollars spent shopping in Australia you will receive one flybuy point. Overseas purchases earn you one point for every dollar spent.
  • Points redemption. For every 2,000 flybuys earned you will instantly get $10 off of your Coles Supermarket bill.
  • Tap and go. Mastercard included the tap and go feature, which allows you to pay for purchases under $100 without swiping your card.
  • Cash withdrawals. This prepaid card also allows for you to make cash withdrawals at any ATM where Mastercard or Cirrus is accepted. Other fees may be charged by the ATM provider.
  • Expiry. The Coles Reloadable Card will expire after two years. Any balance left on it at that time will not be refundable.

What should you look out for?

  • Call Centre fees. You will be charged $4 for each call that you make into the support centre to speak with a representative. In addition, you are charged $0.50 each time you call in to check on your balance.

How do I purchase a Coles Reloadable Card?

There are no credit checks with a prepaid credit card, and no application process.


To be eligible you must be an Australian resident who is at least 16 years of age.


In addition, you will need to be an existing flybuys member or agree to becoming one. The card can be purchased and loaded online using a Visa or Mastercard debit or credit card, and will be sent to the address you provide within three to five business days. You will then need to activate it online before you can begin using it.

What happens after?

There is a pin number on the back of each card which you will need in order to make purchases at an EFTPOS. Simply hit the credit option and enter your pin when prompted in order for the transaction to be accepted. For online or over the phone purchases you will need to provide the card number, expiry date and CVC which is found on the back of the card.

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54 Responses

  1. Default Gravatar
    CarmelJuly 15, 2019

    I want to apply for the card. Can I use online to buy other things?

    Where do i apply for card

    • Avatarfinder Customer Care
      NikkiJuly 16, 2019Staff

      Hi Carmel,

      Thanks for getting in touch! The Coles Reloadable Prepaid Mastercard allows online purchases. It’s helpful to know that this card Cis no longer available to new customers. You can find other prepaid cards via this page.

      Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.


  2. Default Gravatar
    JulieOctober 26, 2018

    I want to get a Coles reloadable Mastercard.

    • Default Gravatar
      JoelOctober 26, 2018

      Hi Julie,

      Thanks for leaving a question on finder.

      Unfortunately, the Coles Reloadable Mastercard and the Coles Online Mastercard are no longer available to new customers. Existing customers can continue to use their cards as normal and access their account online through their prepaid service centre.

      Please send me a message if you need anything else. :)


  3. Default Gravatar
    KDecember 10, 2017

    I purchased something online which was not in stock. Can the merchant refund me to my reloadable card?

    • Avatarfinder Customer Care
      MayDecember 10, 2017Staff

      Hi K,

      Thank you for your inquiry.

      Yes, that would be possible, however, that also depends on the merchant’s refund policies. Best to contact your merchant on this to confirm the process.


  4. Default Gravatar
    AndyAugust 28, 2017

    Can I buy and make full use of the reloadable card if I am under the age of 18

    • Default Gravatar
      JonathanAugust 28, 2017

      Hello Andy,

      Thank you for your question.

      In order to be eligible for Coles Reloadable Mastercard®, you must be:
      • 16 years of age or older;
      • an Australian resident;
      • an existing member of the flybuys Program or agree to become a member of the flybuys Program when you purchase a Card.

      Hope this helps.


  5. Default Gravatar
    SharneJanuary 26, 2017

    Hi. I tried to order this card on net. filled every thing out then you have to pay 10.00 for card. How do I pay? Don’t have any credit cards. Can I go to Coles and buy a gift card and pay online with that. Thanks

    • Avatarfinder Customer Care
      MayJanuary 26, 2017Staff

      Hi Sharne,

      Thank you for your inquiry.

      I’m afraid that the Coles Reloadable Card can be purchased and loaded online using a Visa or MasterCard debit or credit card. Once you’ve purchased it online, it will be sent to the address you provide within three to five business days.


  6. Default Gravatar
    JoDecember 6, 2016

    Can I set up ongoing direct debits from the Coles prepaid reloadable mastercard, as long as I have funds on the card to do so, obviously?

    • Avatarfinder Customer Care
      HaroldDecember 6, 2016Staff

      Hello Jo,

      Thank you for your inquiry.

      Unfortunately, you cannot setup a direct debit from Coles prepaid reloadable master card. However, you can schedule a regular direct transfers from your bank account, which is essentially the same thing.

      I hope this information has helped.


  7. Default Gravatar
    carolNovember 29, 2016

    My question is….Can you deposit money into your prepaid reloadable card at a Coles store? Also, can you transfer money on from another account into the card. For both questions are the funds available immediately?

    • Avatarfinder Customer Care
      MayNovember 29, 2016Staff

      Hi Carol,

      Thank you for your inquiry.

      For your first question, unfortunately, you cannot currently Top-Up or reload your Coles Reloadable MasterCard in Coles Supermarkets. However, you can Top-Up/reload via direct deposit from your bank account or another MasterCard or Visa debit card.

      If you haven’t increased your limit, you can store a maximum of $1,000 on your Card at any one time. Over a 365 day period you can reload up to a total of $6,000. If you have increased your limit, you can store a maximum of $10,000 and reload unlimited times and the funds will be available immediately.

      Hope this has answered your questions.


  8. Default Gravatar
    YulSeptember 29, 2016

    Really regret purchasing this card. My card got swallowed by an ATM and the only thing they suggested was to order a replacement card with $5 fee. I couldn’t even withdraw cash when I needed it and now I have to pay additional fee for the replacement card. Also, there’s $4 fee if you contact the call centre and there’s $10 fee to close the account. Stay away from this product!

  9. Default Gravatar
    BeeSeptember 19, 2016

    Do I receive a virtual copy of Coles Reloadable Mastercard when I purchase online?

    • Avatarfinder Customer Care
      MaySeptember 20, 2016Staff

      Hi 2beeinspired,

      Thanks for your inquiry. Just to confirm, you’ve come through to we are an Australian financial comparison website and general information service, not actually Coles.

      There’s no virtual copy of Coles Reloadable Mastercard that you will receive when shopping online.

      You can purchase Coles Reloadable MasterCard online by following the simple steps. Once you receive your card in the mail, follow the steps to activate your Coles Prepaid Card online, and access the Prepaid Service Centre to manage your card then start shopping online.


  10. Default Gravatar
    teenaAugust 25, 2016

    Hi my question is

    When you withdraw from an ATM using the Mastercard is there a daily limit

    Thank you

    • Avatarfinder Customer Care
      MayAugust 25, 2016Staff

      Hi Teena,

      Thank you for your question.

      Limits may apply in relation to using the Coles Reloadable MasterCard at ATMs. You are able to store a maximum of $1,000 on to your card any one time. As stated in the PDS, if you have not increased your Card Limit, you can’t use the card at ATMs overseas and withdraw more than $300 per day at ATMs in Australia.

      Starting 1st July 2016 if you have not increased your card Limit, the maximum you can withdraw from ATMs will be reduced from $1,000 to $300 per day. If you increase your card limit, you can use ATMs in both Australia and overseas.

      To increase your card limit, you may need to log into the Prepaid Service Centre of Coles MasterCard.


    • Default Gravatar
      TeenaAugust 26, 2016

      Hi so i purchased my reloadable mastercard on the 26/6/16 and activated increased my limit and topped up on the 2/7/16. I went to the ATM today and it wouldn’t let me take out anything over $300 why would that be.

      Thanks Teena

    • Avatarfinder Customer Care
      SallyAugust 29, 2016Staff

      Hi Teena,

      Thanks for your question.

      As mentioned in the PDS for the Coles Reloadable Prepaid card, you can’t use the card to withdraw more than $300 per day at ATMs in Australia.



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