From eligibility criteria and essential documents to checking your application status, here's what you need to know to apply for a Coles Mastercard.
Coles Mastercard credit cards offer a range of features to suit different goals, including rewards, low rates, low fees, balance transfers and platinum options. You can use this guide to learn how to apply for Coles Mastercard credit cards, including how to check that you're eligible to apply and the details you'll need to provide to improve your chances of approval. We also go through each step of the application process so you know when you can expect to get your new Coles Mastercard.
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Eligibility criteria, terms and conditions, fees and charges apply
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. annual fee.
- 19.99% p.a. on purchases
- Cash advance rate of 19.99% p.a.
- Up to 62 days interest free
- Minimum income requirement of $25,000 p.a.
How can I get started with a Coles Mastercard credit card application?
Before you submit your Coles credit card application, take a bit of time to prepare the documents and details you'll need to provide. For starters, you may need to verify you're over 18 years old before you can apply for a Coles credit card. This can mean providing identification documents that may include a birth certificate, passport, driver's license or other suitable photo ID.
The sections below outline other details you'll need to provide. But before that, it's important to consider the different Coles credit cards that are available so that you can apply for one that's suited to your needs.
Coles Mastercard Comparison
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.
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