Coles Mastercard application guide

From eligibility criteria to application details and documents, here's what you need to know to apply for a Coles Mastercard.


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You can apply for a Coles Mastercard credit card online in around 15 minutes and could receive 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 transfer offers and other factors to consider before you apply.

Coles Credit Card Offer

Coles No Annual Fee Mastercard

0% p.a. for 12 months on purchases and balance transfers
$0 annual fee

Offer ends 31 January 2021

Eligibility criteria, terms and conditions, fees and charges apply

Coles Credit Card Offer

Reward your spending with Flybuys points and save with 0% interest on balance transfers and purchases for the first 12 months.

  • Ongoing $0 annual fee | 19.99% p.a. purchase rate
  • Earn Flybuys point per $1 spent on eligible purchases
  • 0% on balance transfers and purchases for 12 months
  • Compatible with Apple Pay and Samsung Pay
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How do I know if I'm eligible 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 card's eligibility criteria. The requirements can vary between cards but will include the following:

  • Are you over 18 years old? You must be at least 18 years of age to apply for a Coles Mastercard.
  • What is your Australian residency status? You must be a permanent resident or citizen of Australia, or have the right to work in Australia.
  • Do you meet the minimum income requirements? 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 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 will be asked for a range of personal and financial details. The application form breaks this information down into five key sections, which we’ve outlined below.

  1. Contact details. Here, you just need to provide your full name, mobile phone number and email. You also need to tick a box confirming you have read the privacy statement and other terms and conditions.
  2. Personal details. This section is where you share other personal details, such as your date of birth, residential address, income and employment status. You also need to provide details of your Australian driver’s licence or passport for identification.
  3. Work and finances. In this section, you’ll need to share more details about your employment status and employer. You’ll also need to provide details of any assets or existing debts you have, including other loans and credit cards. As well as these details, you'll have to estimate how much you spend on regular living costs such as rent, mortgage payments, petrol, groceries and luxuries.
  4. Additional 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.
  5. Document upload. Here is where you need to upload your supporting documentation. This could include recent payslips, bank statements, utility bills or copies of your identification.

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.

Coles Mastercard balance transfer requirements

During your application for a Coles Mastercard, you'll be given the option of requesting a balance transfer for existing debt that you hold with another financial institution. If the Coles credit card you want to apply for has a balance transfer offer, this could help you save on interest charges as you pay off your debt. Here are the key details to keep in mind:

  • Eligible debts. You can request balance transfers from Australian credit card, store cards or personal loans held with other financial institutions. Note that debts held with Citigroup (or underwritten by Citigroup) may not be approved for a balance transfer. This is because Citigroup is the underwriting issuer of Coles Mastercard credit cards. Learn more in this guide to transferring debts between credit card providers.
  • Account details. To complete the balance transfer application, you’ll need to provide details of the existing cards. This includes the name that the account is held in (which has to match the name on your Coles credit card application) and the financial institution's BPAY reference number.
  • Minimum balance transfer amount. You must request a transfer of at least $500 onto your new Coles Mastercard.
  • Maximum balance transfer amount. Subject to approval, you can balance transfer up to 80% 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 Support team on 1300 306 397 and provide details of your application. This service is available 24 hours a day, 7 days a week.

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 complimentary 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 start your Coles credit card application online at any time. Just remember to compare a range of credit cards beforehand so that you can choose a card that works for you.

Compare Coles Mastercard Credit Cards

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Coles No Annual Fee Mastercard
0% p.a. for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months. Ends 31 January 2021.
Coles Rewards Mastercard
19.99% p.a.
0% p.a. for 18 months with 1.5% balance transfer fee
$0 annual fee for the first year ($99 p.a. thereafter)
Enjoy $100 off a Coles Supermarket, a $0 first-year annual fee and a 0% p.a. on balance transfers for 18 months (1.5% fee applies). Ends 31 Jan 2021.
Coles Low Rate Mastercard
12.99% p.a.
0% p.a. for 6 months
Enjoy $100 off a Coles Supermarket shop and a 0% balance transfer for 6 months. Plus, earn Flybuys points as you spend. Ends 31 January 2021.

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54 Responses

    Default Gravatar
    AlbOctober 26, 2019

    Where is the form to add another authorised person to my account?

      Avatarfinder Customer Care
      JoshuaOctober 27, 2019Staff

      Hi Alb,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      During your application, you will receive a form for you to fill out. On that form, there’s a section labelled as “Additional Options.” In that section, you can then specify the personal details of the person you want to add.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


    Default Gravatar
    HowaidaOctober 7, 2018

    I would like more credit on my card. I have at the moment $3000 and would like $2000 more. Could you please advise me how to do that?


      Avatarfinder Customer Care
      JeniOctober 8, 2018Staff

      Hi Howaida,

      Thank you for getting in touch with finder.

      For existing Coles Mastercard cardholders, to request a change to the credit limit, please call Coles on 1300 306 397.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!


    Default Gravatar
    SardaJanuary 10, 2017

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

      Avatarfinder Customer Care
      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.


    Default Gravatar
    KikiNovember 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!

      Avatarfinder Customer Care
      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.


    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.

    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.

      Avatarfinder Customer Care
      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.


    Default Gravatar
    RobertJuly 6, 2016

    How to email the verified driver licence?

      Avatarfinder Customer Care
      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.


    Default Gravatar
    johnMay 11, 2016

    Could you please give me Application form for Coles Mastercard

      Avatarfinder Customer Care
      DeeMay 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.


    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?

      Avatarfinder Customer Care
      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.



    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.


      Avatarfinder Customer Care
      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.



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