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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 Credit Cards

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 was recognised in the 2024 Finder Credit Card Awards, with the Coles No Annual Fee Mastercard named as highly commended in the Best No Annual Fee Rewards Credit Card category and Coles Rewards Mastercard in the Best Rewards Credit Card category.

Customer Satisfaction Highly Commended

Coles: 2024 Credit Card Provider Customer Satisfaction Highly Commended

Coles Mastercard Credit Card Comparison

Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Coles No Annual Fee Mastercard
Coles No Annual Fee Mastercard image
Purchase rate p.a.
0% for 6 months, then 20.74%
Bonus points
Points per $ spent
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
Go to siteMore Info
Save with an ongoing $0 annual fee and 0% interest on purchases for the first 6 months.
Coles Rewards Mastercard
Coles Rewards Mastercard image
Purchase rate p.a.
Bonus points
Points per $ spent
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
More Info
Get 50,000 bonus Flybuys points (worth $250 Flybuys Dollars) when you spend $3,000 on eligible purchases within the first 3 months.
Coles Low Rate Mastercard
Coles Low Rate Mastercard image
Purchase rate p.a.
Bonus points
Points per $ spent
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 15 months with 1.5% balance transfer fee, then 20.74%
Annual fee
More Info
Save with 0% p.a. for 15 months on balance transfers (with a 1.5% BT fee). Plus, earn Flybuys points on Coles spending.

Types of credit cards from Coles

  • Coles rewards credit cards

The Coles Rewards Mastercard gives you a way to earn Flybuys points on all your eligible spending, anywhere Mastercard is accepted. It offers 2 Flybuys points per $1 spent on all eligible purchases up to $3,000 per statement period and 1 point per $1 up to $8,000 per statement period. When you shop at Coles and other Flybuys partners, you'll also earn points through your Flybuys membership.

  • Coles low rate credit cards

The Coles Low Rate Mastercard has a low interest rate of 13.49% p.a. for purchases, which is competitive with other low rate credit cards. Unlike most low rate cards in Australia, it also offers rewards, earning an equivalent to 0.5 Flybuys points per $1 spent at Coles Supermarkets – on top of the points earned by scanning your Flybuys membership barcode.

  • 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 and rewards. 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.

It offers an equivalent 0.5 Flybuys points per $1 spent on eligible purchases up to $5,000 per statement period and 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 want to use rewards to save on your supermarket shopping, you can you can redeem a minimum of 2,000 Flybuys points for $10 off at participating Coles Supermarkets. Known as Flybuys Dollars, you can also use this reward to get money off shopping at other partners including Kmart, Target and Coles Express.

  • 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 Low Rate Mastercard offers 0% p.a. on balance transfers for the first 15 months you have the card. But keep in mind that any balance remaining after the promotional period will attract interest at the cash advance rate.

  • Digital wallets and contactless payments

You can make payments from your smartphone or eligible device with any of these mobile wallets:

  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Coles Mobile Wallet App

This app gives you a way to keep track of your spending, put a temporary lock on your card, make BPAY payments, check your Flybuys balance and manage other account details. If you prefer to use a web browser, you can also manage your account through the Coles Online Service Centre.

  • Credit card instalment plans

Coles credit cards offer three types of instalment plans, which give 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. The options available depend on the type of spending or balance and are subject to eligibility.

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

These cards offer 24/7 account security through Coles Shield and Mastercard Zero Liability for fraudulent transactions.

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:

  • Age. You must be at least 18 years of age.
  • Residency status. You must be a permanent resident or citizen of Australia.

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).

Credit card brands similar to Coles Mastercard

If you want a rewards card or brand-related perks, here are 3 other credit card providers you could compare with Coles:

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.

Amy Bradney-George's headshot

Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio

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274 Responses

    Default Gravatar
    SueJune 4, 2023

    What is the age limit for Travel Insurance on a Coles Platinum CardW

      AmyJune 8, 2023Finder

      Hi Sue,
      There are age limits between 2 and 24 for dependants but no other age limits are listed in the current Coles Platinum Mastercard Complimentary Insurance Terms and Conditions booklet available on the Coles website (effective 1 June 2022 with amendments effective 15 July 2023). Keep in mind that eligible credit card customers get access to complimentary transit accident insurance, purchase protection insurance and extended warranty cover. If you want comprehensive international travel insurance, you can compare other credit cards with travel insurance on Finder. I hope that helps.

    Default Gravatar
    DonaldMarch 23, 2023

    I am trying to get into Coles Credit Card site via Finder.It won’t take me there.Should I apply direct on their site?

      AmyMarch 23, 2023Finder

      Hi Donald,
      If there is a “Go to site” button, you can apply for a Coles Mastercard through Finder by using it. I checked the links before replying to you and I can confirm that they worked for me. If there is no “Go to site” button, you could apply directly through Coles. I hope that helps.

    Default Gravatar
    PhilipFebruary 14, 2023

    I have a Coles Platinum Mastercard. I understand the Fly Buys bit but am confused about points that can be earned by using the card to pay for all sorts of things which have nothing to do with the Wesfarmers stable of outlets. For example all utilities, Council rates, petrol, freeway tolls, health insurance etc are paid using the Coles Mastercard. Last moths tally was over $6k. How do I get rewarded for this ?

      AmyMarch 7, 2023Finder

      Hi Philip,

      It depends on the type of Coles Mastercard you have – you could use the table here to see which one you have. If you have a Coles Rewards Mastercard or a Coles No Annual Fee Mastercard, you’ll automatically earn points per $1 on all eligible spending, whether it’s a Flybuys partner or not. But the key is that it does have to be “eligible spending” – a definition that covers most retail purchases (including petrol). Your Flybuys account should show details of when you’ve earned points with the card, in the “activity” section.

      Transactions that aren’t eligible to earn points include BPAY payments and government-related transactions, which can include council rates, vehicle registration fees, tolls, parking meters and even transactions at Australia Post. These are examples included in the Coles Mastercard Rewards Terms and Conditions, which has full details.

      It’s also worth noting that the Coles Low Rate Mastercard only offers additional points at Coles Supermarkets. I hope that helps!

    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?

      JhezelynJuly 27, 2018Finder

      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


    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 ?

      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!


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