Coles Mastercard application guide

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. Applying for any of these cards takes around 15 minutes online and you can get a response within 60 seconds of submitting your details.

Use this guide to learn more about the Coles Mastercard application process, including the eligibility requirements and details you’ll need to provide. We also go through how to apply for Coles Mastercard balance transfers and other factors to consider before you apply.

What conditions do I need to meet to apply for a Coles Mastercard?

Once you’ve found a Coles credit card that you want to apply for, you’ll need to check that you meet the eligibility requirements. Specific details can vary between cards but will include the following:

  • Age. You must be at least 18 years of age to apply for a Coles Mastercard.
  • Australian residency/work status. You must be a permanent resident or citizen of Australia, or have the right to work in Australia.
  • Minimum income. The minimum income requirements for Coles credit cards start from $25,000 per year.

You’ll see a summary of these requirements – and any other specific conditions – just before you start filling out your application. At this stage, you can also check the Key Facts Sheet for the card (which includes details of the rates and fees), terms and conditions, and privacy notice. Note that you need to confirm that you accept all these terms and conditions before starting the application.

What details do I need to include on my Coles credit card application?

When you apply for a Coles Mastercard, you’ll need to provide a range of personal and financial details. The application form breaks this information down into three key sections, which we’ve outlined below.

  • Personal details. This section is where you share your full name, date of birth, relationship and family status, driver’s licence number and contact details. Note that you can still complete the application if you don’t have a driver’s licence but may need to provide further identification later on.
  • Financial details. Here, you’ll need to share your employment status and your employer’s name. You’ll also need to list how much you earn after tax, any other forms of income and how much your regular living costs are worth. If you have any credit cards, you’ll need to provide details of the credit limit and current balance as well.
  • Card options. This section is about what you want from your new Coles Mastercard, starting with whether you want to request a specific credit limit or have one assigned to you. If you want to add an additional cardholder, you’ll need to provide their personal details in this section. You can also take out card insurance, set up passwords for telephone support and request a balance transfer application form (which can only be filled out after you're approved).

After you’ve filled out these sections of the application, you can review the details you’ve provided before submitting it. You’ll then receive a response within 60 seconds.

Supporting documentation

If your online application is approved, you may be asked to provide supporting documentation. This could include any of the following:

  • Your last tax return statement
  • Recent payslips
  • Your employer or accountant’s contact details
  • A copy of your driver’s licence and/or other forms of valid ID

Coles Mastercard will contact you by email or phone with any requests for supporting documentation, as well as instructions on how to submit your documents. Note that you’ll need to provide these details before your new card is issued.

Coles Mastercard balance transfer requirements

Coles Mastercard balance transfer applications are assessed separately to the credit card application. This means if you want to move existing card debt onto a new Coles credit card, you’ll need to wait until your card application is approved.

You can then complete a balance transfer request form, which is available on the Coles Mastercard website. This form will also be emailed to you if you’ve ticked the “balance transfer” option on your application. Here are the key details to keep in mind:

  • Eligible debts. You can request a balance transfer from any active Australian credit card (or cards), as long as they are not issued by Coles Mastercard or Latitude Financial services. Your existing cards must also not be in default.
  • Account details. To complete the balance transfer application, you’ll need to provide details of the existing cards. This includes the card number, the name of the issuer, the issuer’s billing address (as per your statements) and the amount of debt you want transferred to your Coles credit card.
  • Minimum balance transfer amount. You must request a transfer of at least $100 onto your new Coles Mastercard.
  • Maximum balance transfer amount. Subject to approval, you can balance transfer up to 100% of your approved credit limit on a Coles credit card. If the balance transfer you’ve requested is more than your credit limit, Coles Mastercard may transfer a portion of the debt to your new card instead.

How can I check my application status?

If you want to know what’s happening with your Coles Mastercard application at any stage of the process, contact the Coles Credit Card Customer Care team on 1300 306 397 and provide details of your application. The operating hours are as follow:

Monday–Friday: 8am–9pm AEST

Saturday: 8am–8pm AEST

Sunday: 8:30am–8pm AEST

How do I activate a new Coles credit card?

After your application is approved and you’ve submitted any requested documents, Coles Mastercard will let you know when to expect your new card. The time it takes to get to you can vary but is usually around a couple of weeks from when the application is fully processed. When you do get your Coles Mastercard, you’ll need to activate it using the following steps:

  1. Register for the Coles Credit Card Online Service Centre and log in.
  2. Follow the prompts to activate your card and select a four-digit PIN.
  3. Sign the back of your Coles credit card.

Alternatively, you can call 1300 306 397 and follow the prompts to activate your card. If you activate the card over the phone, remember to still sign the back of your card. This helps secure your card against fraud.


What else do I need to consider when applying for a Coles Mastercard?

Keep these factors in mind so you can make the most of a new Coles credit card.

  • Introductory offers. Depending on when you apply, a Coles credit card may offer you introductory benefits such as 0% interest, bonus flybuys points or cashback. These offers are only available for a limited time and usually come with specific requirements you need to meet to take advantage of them. So remember to check this information before you apply.
  • Platinum status. If you apply for a Coles credit card and get approved for a credit limit over $6,000, you’ll be issued with a platinum account. This gives you access to complimentary benefits such as a 24/7 concierge service and merchandise protection insurance.
  • flybuys membership. If you provide your flybuys membership details during your application, your Coles credit card can then double as your flybuys membership card. This means your flybuys barcode will be printed on the back of your credit card, so you can scan it to earn points for spending with flybuys partners.
  • Earning more flybuys. Both the Coles Rewards and No Annual Fee cards also offer points per $1 spent on eligible purchases made anywhere, while the Coles Low Rate Mastercard earns additional points for spending at Coles Supermarkets.

Once you know what’s involved, you can apply for a Coles Mastercard online at any time. Just remember to compare a range of credit cards beforehand so you can choose a card that really works for you.

Coles Mastercard Comparison

Rates last updated March 24th, 2018
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 per $1 spent, a balance transfer offer of 0% for 6 months, plus up to 55 days interest-free on purchases.
Coles Rewards Mastercard
19.99% p.a.
0% p.a. for 6 months
$99 p.a.
Earn 2 flybuys points for every $1 spent and pay no foreign transaction fees when shopping online or overseas.
Coles Low Rate Mastercard
12.99% p.a.
0% p.a. for 6 months
$58 p.a.
Enjoy a low 12.99% p.a. interest rate on purchases and earn 0.50 flybuys points per $1 spent at Coles Supermarkets.

Compare up to 4 providers

Pictures: Shutterstock

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Amy Bradney-George

Amy is a Senior Writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

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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
      LouMay 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 finder.com.au 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 finder.com.au, 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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