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Exclusive Offer

Coles Rewards Mastercard – Exclusive Offer

No longer available

This Finder exclusive offer expired on 28 July 2021. You can compare the current range of Coles credit cards here.

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0% p.a.

Balance transfer rate

for 26 months

19.99% p.a.

Purchase rate


Reward points

Per $ spent

$0 p.a.

Annual fee

for the first year ($99 p.a. thereafter)

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Product NameColes Rewards Mastercard - Exclusive Offer - DISCONTINUED
Rewards programFlybuys
Balance transfer rate p.a.0% for 26 months
Balance transfer revert rateCash Advance Rate (19.99% p.a.)
Balance transfer limit80% of available limit
Purchase rate p.a.19.99%
Annual fee$0 for the first year ($99 thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate19.99% p.a.
Min credit limit$2,000
Card typeMastercard
Foreign currency conversion fee0%
Minimum income$25,000
Available to temporary residentsNo
Joint applicationNo


  • $0 annual fee for the first year
  • $100 off a Coles Supermarket shop
  • 0% p.a. on balance transfers for 26 months (with no BT fee)
  • 2 Flybuys points per $1 spent on eligible purchases up to $3,000 per statement period (1 point per $1 thereafter)
  • 0% international transaction fees on purchases


  • The standard annual fee of $0 is relatively high
Rewards programFlybuys
Bonus pointsN/A
Rewards points per $ spent2
Rewards points capUncapped
Annual fee$0 for the first year ($99 thereafter)
Minimum monthly repayment2% of the closing balance or $30, whichever is greater
Late payment fee$30
Foreign currency conversion fee0%
Cash advance fee3% or $1.95, whichever is greater
Overseas cash advance fee$5 + 2.5% of transaction amount
Overseas ATM withdrawal fee$5
Additional cardholder fee$0
Number of additional cardholders4

How to apply

You can apply for the Coles Rewards Mastercard online and receive a response within 60 seconds. Make sure to check if you meet the eligibility requirements and have the necessary information to complete the application before you get started.

Eligibility criteria

  • Apply through Finder. To take advantage of the $100 off a shop at Coles, 0% balance transfer offer and $0 first-year annual fee, you need to apply through Finder before 28 July 2021. You also need to be a new Coles Mastercard customer.. You also need to be a new Coles Mastercard customer.
  • Income. You must have an after-tax income of at least $25,000 p.a.

Card benefits

  • Balance transfer offer. When you apply through Finder by 28 July 2021, you can pay down your existing debt(s) with a 0% interest rate on balance transfers for the first 26 months with no balance transfer fee. After the introductory period, any balance remaining will be charged at the cash advance rate, currently 19.99% p.a. Note that you won't earn Flybuys points on balance transfers and you won't be eligible for interest-free days on purchases when you have a balance transfer.
  • $100 off a shop at Coles. You'll get $100 off a Coles Supermarket shop when you spend $1,500 on eligible purchases within the first 60 days from card approval. Eligible spending covers most everyday purchases. Transactions that won't count towards this spend requirement include BPAY payments, cash advance transactions, a purchase from or payment to a government or government related agency, balance transfers and account fees and charges.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a $0 annual fee.
  • Interest rates. The interest rate for both purchases and cash advance transaction is 19.99% p.a.

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