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Coles Credit Cards

Coles Mastercard Credit Cards

Compare Flybuys rewards, low rate and no annual fee credit cards from Coles Mastercard – with customer reviews.

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Coles offers a range of credit cards with rewards, low rate and no annual fee options. If you're a member of the Flybuys rewards program, your Coles credit card can also double as your Flybuys membership card.

Coles Credit Card Offer

Coles Low Rate Mastercard

0% p.a. for 36 months on balance transfers

Offer ends 31 July 2022

Eligibility criteria, terms and conditions, fees and charges apply

Coles Credit Card Offer

Save with 0% p.a. on balance transfers for 36 months (with no BT fee). Plus, earn Flybuys points for your spending at Coles.

  • Balance transfer rate of 0% p.a. for 36 months, with no balance transfer fee
  • A low ongoing purchase rate of 12.99% p.a.
  • $58 annual fee
  • Earn Flybuys point per $1 spent on eligible purchases
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Coles Mastercard Credit Card Comparison

Updated regularly
Name Product Purchase rate p.a. Interest-free period Balance transfer rate p.a. Annual fee

Coles Low Rate Mastercard

Coles Low Rate Mastercard
12.99%
Up to 55 days on purchases
0% for 36 months
$58
Enjoy 0% p.a. on balance transfers for the first 36 months (with no balance transfer fee).
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Coles No Annual Fee Mastercard

Finder Award
Coles No Annual Fee Mastercard
19.99%
Up to 55 days on purchases
0% for 12 months
$0
Get 20,000 bonus Flybuys points when you spend $3,000 on eligible purchases in the first 90 days. Plus, an ongoing $0 annual fee.
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Coles Rewards Mastercard

Coles Rewards Mastercard
19.99%
Up to 55 days on purchases
0% for 12 months
$99
Get 40,000 bonus Flybuys points when you spend $3,000 on eligible purchases in the first 90 days.
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Types of credit cards from Coles

  • Coles rewards credit cards

The Coles Rewards Mastercard gives you a way to earn Flybuys points outside of Coles and other program partners. It offers 2 Flybuys points per $1 spent on all eligible purchases up to $3,000 per statement period (1 point per $1 after that).

You can redeem Flybuys points for rewards including money off your shop at Coles and other partner stores, travel bookings and point transfers to Velocity Frequent Flyer. Finder's guide to Flybuys Rewards gives you all the details.

  • Coles low rate credit cards

The Coles Low Rate Mastercard has a low interest rate of 12.99% p.a. for purchases, which is competitive with other low rate credit cards.

It also offers 0.5 Flybuys points per $1 spent at Coles Supermarkets – on top of the points you'll earn by scanning your Flybuys membership barcode (on the back of the card). These points are awarded in whole numbers and rounded down, meaning you earn 1 point for every $2 of eligible spending on this credit card.

  • Coles no annual fee credit cards

The Coles No Annual Fee Mastercard is one of the few credit cards in Australia that offers no annual fee ever and a rewards program. This means you can get extra value from the card without wondering if your reward points will balance out the cost of the annual fee.

With the Coles No Annual Fee Mastercard, you'll earn 0.5 Flybuys points per $1 spent on eligible purchases anywhere you use the card, as well as the usual Flybuys points you earn for spending with partnered retailers. Points are awarded in whole numbers and are rounded down, meaning you earn 1 point per $2 spent with this card.

The benefits of getting a credit card with Coles Mastercard

Each Coles Mastercard credit card has different features, but these are the ones you'll get with any of them:

  • Flybuys rewards

Coles credit cards have your Flybuys membership details printed on the back of them, so you only have to pull out one card at the check out. The Coles Low Rate Mastercard also offers points per $1 spent on eligible purchases at Coles Supermarkets, and both the Coles Rewards and Coles No Annual Fee cards also earn points for eligible purchases you make anywhere (even if it's not a Flybuys partner).

  • Get money off your shopping at Coles

If you choose to use Flybuys points to get money off at the checkout when you shop at Coles, you can scan the back of your Coles credit card and instantly redeem 2,000 Flybuys points for $10 off your shopping at participating Coles Supermarkets. Note that you need a minimum of 2,000 Flybuys points in your account to get money off your shop.

  • Balance transfer offers

You can save money on your existing credit card debt by transferring it to a Coles Mastercard with a balance transfer offer. For example, the Coles No Annual Fee Mastercard offers 0% p.a. on balance transfers for the first 12 months you have the card, allowing you to save money on interest charges and pay down your debt faster. Any balances remaining after the promotional period will attract interest at the cash advance rate.

  • Digital wallets and contactless payments

You can use your smartphone or eligible device to make contactless payments at the terminal when you link your Coles credit card to the mobile payment platforms noted below.

Apple PayGoogle PaySamsung PayFitbit PayGarmin Pay
YesNoYesNoNo

  • Coles Mobile Wallet App

You can keep track of your spending, put a temporary lock on your card, make BPAY payments, check your Flybuys balance and more from this mobile app. If you prefer to use a web browser than an app, you can also manage your account through the Coles Online Service Centre.

  • Credit card instalment plans

An instalment plan gives you a way to pay off your credit card balance over a set period of time, with fixed monthly repayments that can make it easier to budget. Coles credit cards offer three types of instalment plans, depending on the type of spending or balance – and subject to eligibility.

PlanDescription
Statement instalmentsConvert retail purchases from your closing balance into a structured payment plan, with a minimum of $500 and monthly instalment repayments.
Transaction instalmentsConvert new shopping to a payment plan before it shows up on your statement. You can do this with any eligible purchase over $50.
Cash instalmentsAccess a minimum of $500 and up to 90% of your available credit limit as cash for bills, study or anything else you need and pay it off in instalments. This option is similar to a small personal loan, but make sure you check the rates and fees so you know how much it will cost before you get it.

You can check if you're eligible for an instalment plan by calling Coles Mastercard on 1300 066 985. Once a plan is set up, you'll see details on your credit card statement. Learn more about using instalment plans on a credit card to see if they'll work for you.

  • Security

Coles Mastercard credit cards come with 24/7 account security through Coles Shield, plus Mastercard Zero Liability if any fraudulent transactions are made with your card.

Eligibility criteria

Before you can get a Coles credit card, there are a few eligibility boxes you need to tick. Each card has its own list of criteria, but these are the ones you'll need to meet for all of them:

Eligibility criteria

  • Age. You must be at least 18 years of age.
  • Residency status. You must be a permanent resident or citizen of Australia.
  • Minimum income. The minimum income requirements for Coles Mastercard credit cards start from $25,000 per year.

How long does it take to apply?

You can apply for a Coles Mastercard online in about 10 minutes if you have all the details you need ready. Once you submit the application form, you'll also get a response within 60 seconds.

Information and documents you need to apply

During the application, you'll need to provide a mix of details about your personal and financial situation. This includes:

  • Personal details. Your full name, date of birth, contact details, family situation and whether you rent or own your home. You also need to verify your identity by providing details from your driver’s licence or passport.
  • Financial details. Your income and assets, including savings or investment returns. Plus your share of regular expenses such as mortgage payments, rent, utility bills and supermarket shopping.
  • Details if you're employed full-time or part-time. Your main occupation, type of employment and your employer's contact details. Plus supporting documentation, such as your two most recent payslips, bank statements showing your income or your most recent Tax Assessment Notice.
  • If you're employed casually. Details about your main occupation and employer's contact details, plus supporting documentation such as your two most recent payslips, your most recent individual tax return or a signed letter from your employer that confirms your employment status, length of employment and your gross income (dated in the last 30 days).
  • If you're a contractor. Details about your main occupation and employer's contact details, with a copy of your signed employment contract. Plus supporting documentation such as your two most recent payslips, your most recent individual tax return or a signed letter from your employer that confirms your employment status, length of employment and your gross income (dated in the last 30 days).
  • If you're self-employed. Your accountant's name, the accountancy firm and their contact number. You also need to include your two most recent Tax Assessment Notices (prepared or audited by an accountant). If you don't have these documents, you could submit your two most recent Individual Tax Returns and two most recent Individual Notices of Assessment from the Australian Taxation Office.
  • If you're retired or on a pension. Details about your finances and supporting documentation such as your most recent pension statement, an annual superannuation statement with an indexed pension amount, a letter from Centrelink or three months of personal bank statements showing regular credits or cash deposits.

Get income from a mix of sources? Include as much supporting documentation as possible for your application. Or, call Coles on 1300 265 727 to talk about your situation.

Credit card details

During the application, you'll also be asked about details of your new credit card. The two key details to look at are:

  • Current Flybuys number. You can include your Flybuys membership number on the application so that your details are printed on the back of your Coles credit card if your application's approved. If you're not a Flybuys member, you can also join for free by visiting the Flybuys website – and can update the Flybuys details linked to your card through the Coles Online Service Centre.
  • Credit limit. If you have a credit limit in mind, you can include that as part of the application. Note that Coles will offer you a credit limit based on its assessment of your application, which could be lower than the one you've requested.
  • Balance transfers. If you're moving a debt to a new Coles card with a 0% balance transfer rate, you need to include the account details and the amount of debt you want to transfer. Just keep in mind that the balance transfer is approved separately and the amount that's transferred depends on the credit limit you get for your new Coles card.

What happens after you apply?

When you submit your completed application form, you'll get a response within 60 seconds giving you an initial outcome. Coles will also send you an email with a summary and application reference number. You'll also get details about providing more supporting documentation (if that's needed).

Frequently asked questions

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

  1. Coles credit card contact details
  2. Coles Credit Card Instalment Plans

More guides on Finder

  • Coles Rewards Mastercard – Exclusive Offer

    The Coles Rewards Mastercard offers a $0 first-year annual fee, $100 off a Coles Supermarket shop and 0% p.a. interest rate on balance transfers for the first 26 months.
  • Coles No Annual Fee Mastercard – Exclusive Offer

    Enjoy 10,000 bonus points and 12 months interest-free on balance transfers and purchases. Plus, an ongoing $0 annual fee.
  • Coles Gift Cards and Vouchers

    If you wish to send a Coles gift card to your loved ones, have a look at this guide and find out what should be considered before buying and using one.
  • Coles Low Rate Mastercard

    The Coles Low Rate Mastercard offers 0% balance transfer offer and allows you to earn Flybuys points as you spend at Coles Supermarkets.
  • Coles No Annual Fee Mastercard

    Receive 20,000 bonus Flybuys points and 12 months interest-free on balance transfers as well as an ongoing $0 annual fee.
  • Coles Mastercard complimentary insurance

    Coles Platinum Mastercard credit cards give you access to transit accident insurance and cover for eligible items – here’s how.
  • Coles Rewards Mastercard

    The Coles Rewards Mastercard offers a 0% balance transfers offer. Plus, 40,000 bonus Flybuys Points when you meet the spend requirement.

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268 Responses

  1. Default Gravatar
    WilliamJuly 27, 2018

    I want to activate my MasterCard and to obtain a PIN. Where to find the coles credit card online service centre?

    Reply
    • Avatarfinder Customer Care
      JhezJuly 27, 2018Staff

      Hello William,

      Thank you for your comment.

      You can activate your card in the Online Service Centre in three ways:
      – When you register for the Online Service Centre, you will be prompted to activate your card
      – On the homepage, click “Activate” next to the card you wish to activate
      – Click the card you wish to manage, click “Manage My Card”, and click “Activate” next to activation status

      To activate your card you will need to enter the CVV (three digit number on the back of the card).

      To obtain or update the PIN:
      – Login using your username or password
      – Select the card for which you’d like to set an ATM PIN
      – Click “Manage My Card”
      – Click “Change PIN” and choose your new PIN
      – Alternatively, you can call them to have a new PIN mailed to you

      Regards,
      Jhezelyn

      Reply
  2. Default Gravatar
    LesJanuary 22, 2018

    Where is a remote area classified from, for the coles free delivery for purchases over $100.00 ? Is postcode 4890 remote ?

    Reply
    • Default Gravatar
      IanJanuary 23, 2018

      Hi Les,

      Thank you for your query.

      You may go to the Shop Coles website, signup, and checkout with your postal code to determine if your area is covered by the free delivery promotion. Hope that helps!

      Cheers,
      Ian

      Reply
  3. Default Gravatar
    RenayFebruary 2, 2017

    I’m heading to America and want to know If I load my card up with $6000 will I be charged a fee to use my card via eftpos and ATM? And will I be charged a conversion rate to change from $AUS to $USA? Thank you

    Reply
    • Default Gravatar
      BevFebruary 10, 2017

      I have over paid a coles mastercard will I be charged to withdraw the cash

      Reply
    • Avatarfinder Customer Care
      MayFebruary 16, 2017Staff

      Hi Bev,

      Thank you for your question and for contacting finder.com.au – we are a financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site.

      With Coles Mastercard, when you withdraw cash from your account, even when it is on credit balance, it will be treated as a cash advance. So this means that when you access funds from your account that transaction will incur cash advance fee. You may like to contact Coles directly if you wish to confirm the fees.

      Cheers,
      May

      Reply
    • Avatarfinder Customer Care
      DeeFebruary 2, 2017Staff

      Hi Renay,

      Thanks for your question.

      Each time you use your Coles credit card to withdraw at an ATM overseas, you’ll incur overseas ATM withdrawal fee of $4. When used for purchases, you’ll be charged currency conversion fee, the rate of which depends on which Coles credit card you have.

      Cheers,
      Anndy

      Reply
  4. Default Gravatar
    TeriJanuary 29, 2017

    If I pay the total balance owning each month – will I avoid interest charges?

    Reply
    • Avatarfinder Customer Care
      DeeJanuary 30, 2017Staff

      Hi Teri,

      Thanks for your question.

      As long as you pay your total balance in full every month and not just the required monthly repayment, you’ll not incur interest charges on purchases.

      Cheers,
      Anndy

      Reply
  5. Default Gravatar
    JoDecember 30, 2016

    The primary cardholder can link a Fly Buys card to that card. Can you please advise if the additional cardholder can also link a Fly Buys membership to the additional card?

    Thank you!

    Reply
    • Avatarfinder Customer Care
      MayJanuary 1, 2017Staff

      Hi Jo,

      Thanks for your question.

      Yes, you can link more than one card to a flybuys account, which means you can earn more points with multiple cardholders. Please contact the flybuys Service Centre to find out more information on how to do this.

      Cheers,
      May

      Reply
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