Coles Mastercard Application

A Coles Mastercard can be a good way for loyal Coles customers to get something back for their everyday purchases. There are many Coles credit card products to choose from, so it's best to compare your options to decide which one provides you with the most value.

Applying for a Coles Mastercard isn't a difficult process, though there are some eligibility requirements you'll need to consider before submitting your application.

Follow our easy guide below to ensure simplify your application experience.

Coles No Annual Fee Mastercard

Coles Credit Card Offer

Coles No Annual Fee Mastercard offers a low introductory interest rate on balance transfers. Plus no annual fee and earn flybuys points everywhere you spend.

  • $0 p.a.
  • 19.99% p.a. on purchases
  • 0% p.a. for 6 months on balance transfers
  • Cash Advance Rate of 19.99% p.a.
  • Up to 62 days interest free
  • Minimum Income Requirement of $25,000 p.a.

What do you need to prepare for the Coles Mastercard Application?

Before you submit your application, take a bit of time to prepare the appropriate documentation that will be required. In order to qualify for a Coles credit card application, you may need to verify you're over 18 years old at the time of application.

This can mean providing identification documents that may include a birth certificate, passport, driver's license or other suitable photo ID.

Coles Mastercard Comparison

Rates last updated July 23rd, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Coles No Annual Fee Mastercard
19.99% p.a.
0% p.a. for 6 months
$0 p.a.
Receive 0.5 flybuys points for every $1 spent everywhere, plus up to 62 days interest-free on purchases.
Coles Platinum No Annual Fee Mastercard
19.99% p.a.
0% p.a. for 6 months
$0 p.a.
Receive 0.50 flybuys points for every $1 spent everywhere, plus up to 62 days interest-free on purchases with a higher credit limit.
Coles Rewards Mastercard
19.99% p.a.
0% p.a. for 6 months
$89 p.a.
Earn 2 flybuys points per $1 spent and pay no international transaction fees on purchases when you shop online or overseas.
Coles Platinum Rewards Mastercard
19.99% p.a.
0% p.a. for 6 months
$89 p.a.
Earn 2 flybuys points per $1 spent and earn Velocity Status Credits when you shop at select retailers.
Coles Low Rate Mastercard
12.99% p.a.
0% p.a. for 6 months
$49 p.a.
Collect 0.5 flybuys points per $1 spent at Coles supermarkets and receive up to 62 days interest-free on purchases.
Coles Platinum Low Rate Mastercard
12.99% p.a.
0% p.a. for 6 months
$49 p.a.
Collect 0.5 flybuys points per $1 spent at Coles supermarkets. Also enjoy complimentary access to a 24/7 worldwide concierge service.

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Income Details

You may be asked to verify that you have an income. Regardless of what type of income you're currently receiving, you will need to provide evidence of how much you're currently earning. If you have payslips or statements from Centrelink, then provide these documents to the lender as part of your application.

These documents help the credit assessor to determine whether you'll be able to repay the amount of money you may spend on your credit card in the future.

Repayments and Bills

If you're currently repaying other loans or credit cards, or if you're paying rent each week, you may need to provide details of how much your current minimum repayments are for each of these. You might also be required to provide your landlord's details.

Information about repayments and debt consolidation


Before you sign and submit your Coles credit card application, be sure to take a little time to read through the contract terms and conditions. Once you sign the contract agreement, you'll be bound by the terms laid out in the fine print.

To help protect yourself against any unforeseen conditions or charges that may arise, it's best to know in advance what is expected of you and what the lender may resort to in a worst case scenario.

If you don't understand the wording laid out in the terms and conditions, be sure to ask a representative. Ask plenty of questions and be sure you understand exactly what's required of you. If you don't receive an answer that makes sense to you, ask for further clarification.

After all, this is your money that will be repaying the amounts you charge in future, so it's important you understand your own obligations under the contract conditions in full.

It's relatively simple to submit your Coles credit card application online. Simply fill in the online form and submit your application, but be sure you've taken some time to read through the terms and conditions before you do so.
Types of Coles Credit Cards

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50 Responses

  1. Default Gravatar
    SardaJanuary 10, 2017

    Hi I’m on Centrelink so can I apply for coles credit card?

    • Staff
      MayJanuary 10, 2017Staff

      Hi Sarda,

      Thanks for your question.

      Yes, you can apply for the Coles credit card if you are receiving Centrelink payments. You’ll just need to provide Coles of your pension statement. Other credit card issuers that accept pensioner applicants are listed here.


  2. Default Gravatar
    November 15, 2016


    To apply for a no fee Coles credit card, do I need to work for my current employer for x amount of time? (It has been only a few weeks and when I applied I put 1 month and I was refused, so I am wondering if that was the reason.)
    Thank you!

    • Staff
      JasonNovember 15, 2016Staff

      Hi Kiki,

      Thank you for your enquiry.

      There’s no details on the terms and agreement of this card for a required length of employment to be able to apply for the Coles No Annual Fee MasterCard, however, they may need to verify if you have an income and you will need to provide evidence of how much you’re currently earning since they will use that information to determine whether you’ll be able to repay the amount of money you may spend on your credit card. There’s also a minimum income requirement of $25,000 p.a. for this card.
      Please get in touch with Coles on this link for further inquiries and more information.


  3. Default Gravatar
    DongAugust 23, 2016

    With Coles Prepaid Cards, you simply buy, load your money and then you’re free to spend the balance anywhere MasterCard is accepted.

  4. Default Gravatar
    PeterAugust 4, 2016

    It should go without saying that this is only applicable to people who meet the other requirements of applying for the Coles MasterCard in the first place. Please be aware that the offer to waive the annual fee is only available while you are a Coles team member.

    • Staff
      MayAugust 4, 2016Staff

      Hi Peter,

      Thank you for your comment.

      Further to that information you shared, the annual fees for the Coles Low Rate MasterCard and Coles Rewards MasterCard will be waived (for a Coles team member) as long as that team member has a valid myColes card, Kmart for you card, Target for you card, or Officeworks team member card.


  5. Default Gravatar
    RobertJuly 6, 2016

    How to email the verified driver licence?

    • Staff
      MayJuly 7, 2016Staff

      Hi Robert,

      Thanks for your inquiry.

      If Coles asked you to submit documents (IDs, driver’s license, passport, utility bill, etc) as part of their verification process of your credit card application, you may need to complete the ‘Identity Verification Form’ and lodge this form at any post office that has Bank@Post facilities together with the documents they require.

      For your convenience, I’ve sent to your email the link to the Identity Verification Form.

      I hope this is helpful.


  6. Default Gravatar
    johnMay 11, 2016

    Could you please give me Application form for Coles Mastercard

    • Staff
      AnndyMay 11, 2016Staff

      Hi John,

      Thanks for your comment.

      To submit an application for a particular Coles Mastercard credit card, simply click the “Go to site” button above and you will be redirected to the bank’s application page. When you’re there, click the green “Get Started” button and follow the step-by-step procedure.

      I hope this helps.


  7. Default Gravatar
    DreyApril 21, 2016

    When i go to the post office to validate my ID. I have my passport and I need a secondary documentation, I live in rent place, So I have my contract, a receive of bills and a residence letter, BUT in the post office said that the name in the bills have be my name.. what should I do?

    • Staff
      SallyMay 13, 2016Staff

      Hi Drey,

      Thanks for your question.

      Yes, your bills should be under your name. If they’re not, you might need to contact Coles directly to confirm if there’s a substitute form of identification you can provide.

      I hope this has helped.



  8. Default Gravatar
    ChristineFebruary 27, 2016

    I applied online for a Low Rate Coles Master Card. I came back approved and said an email was sent to verify my ID. I have not receive any email. Can you please tell me how to proceed with this.


    • Staff
      JonathanFebruary 29, 2016Staff

      Hi Christine, thanks for your inquiry!

      You can contact the Coles MasterCard team on 1300 306 397 (Mon-Fri 8.00am – 9.00pm AEST) to request your email to be resent.



  9. Default Gravatar
    EmmaDecember 16, 2015

    I applied online for a Low rate Coles MasterCard. It was conditionally approved. It took me through too verify my I.D which I entered my Drivers license but it said it didn’t recognise it!
    Have received no email not sure now what too do.

    • Staff
      SharonDecember 16, 2015Staff

      Hi Emma,

      Thanks for your question.

      Please note that is a comparison service and is not directly involved in Coles MasterCard’s application process.

      You may need to get in touch with Coles directly at 1300 306 397 to ask for further assistance regarding your application.

      I hope this helps.


  10. Default Gravatar
    RichardDecember 15, 2015


    I recently had my credit card application rejected. Following a telephone enquiry, was told that if I have supporting evidence/documents highlighting my financial status, I can re-submit my application.

    Now that I have my documents ready, can u pls advice how I can go about with this new application.


    • Staff
      AllyDecember 15, 2015Staff

      Hi Richard,

      Thanks for your inquiry.

      Kindly note that you have come through to, an online comparison service that does not represent any credit card issuer, including Coles.

      Nonetheless, you may resubmit your application by clicking on the “Go to site” (green) button of your preferred Coles credit card on the table above.

      Do ensure that you meet the criteria below:

      1. You’re at least 18 years old.
      2. You’re a permanent Australian resident.
      3. You have a good credit history.
      4. You must have an after-tax income of at least $15,000 p.a.

      And you have the following information ready:

      1. Your complete name, date of birth, relationship status, and number of dependents
      2. Your email address, phone number, residential address, and residential status
      3. Your employer’s name, address, and phone number
      4. Details of your income from all sources
      5. Details about your expenses, which include all outstanding debts

      For further/direct assistance, I have emailed you Coles’ contact details as well.

      I hope this has helped.


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