Coles Credit Cards

coles_mastercard_logo_imageFrom earning more flybuys points to saving on rates and fees, compare Coles credit cards to find the right option for you.

Coles credit cards are designed to suit different spending habits and needs, with rewards credit cards, low rate and no annual fee cards as well as platinum options. If you're a member of the Coles Group's flybuys program, your Coles credit card can also double as your flybuys membership card.

As well as earning flybuys points through your rewards account, Coles credit cards offer you points for all your eligible spending. So depending on the card, you could get flybuys points even if you're not shopping with a program partner. Here, you can compare Coles credit cards and learn more about their individual features to decide if one of these products is right for you.

Coles Credit Card Offer

Coles No Annual Fee Mastercard

Receive 20,000 bonus flybuys points

Offer ends 31 January 2018

Eligibility criteria, terms and conditions, fees and charges apply

Coles Credit Card Offer

This card allows you to earn flybuys points on everyday purchases. Plus, enjoy up to 62 interest-free days on purchases.

  • $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.
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Comparison of Coles Credit Cards

Rates last updated January 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 20,000 bonus flybuys points if you apply, are approved and make an eligible purchase within the first 30 days. Plus, a $0 annual fee.
Coles Platinum No Annual Fee Mastercard
19.99% p.a.
0% p.a. for 6 months
$0 p.a.
Receive 20,000 bonus flybuys points if you apply, are approved and make an eligible purchase within the first 30 days. Plus, a higher credit limit.
Coles Rewards Mastercard
19.99% p.a.
0% p.a. for 6 months
$99 p.a.
Receive 20,000 bonus flybuys points if you apply, are approved and make an eligible purchase within the first 30 days. Plus, 2 points per $1 spent.
Coles Platinum Rewards Mastercard
19.99% p.a.
0% p.a. for 6 months
$99 p.a.
Receive 20,000 bonus flybuys points if you apply, are approved and make an eligible purchase within the first 30 days. Plus, a higher credit limit.
Coles Low Rate Mastercard
12.99% p.a.
0% p.a. for 6 months
$58 p.a.
A low rate card offering 20,000 bonus flybuys points if you apply, are approved and make an eligible purchase within the first 30 days.
Coles Platinum Low Rate Mastercard
12.99% p.a.
0% p.a. for 6 months
$58 p.a.
Receive 20,000 bonus flybuys points if you apply, are approved and make an eligible purchase within the first 30 days. Plus, a higher credit limit.

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Types of Coles credit cards

Coles Mastercard offers three credit card options: a rewards credit card, a low rate credit card and a no annual fee card. Plus, if you apply for any of these Coles credit cards and get approved for a credit limit of $6,000 or more, you'll automatically be issued with a platinum version of that credit card.

Low rate credit cards

Low rate credit cards can be a more cost-effective option if you struggle to pay off your debts. The Coles Low Rate Mastercard charges a 12.99% p.a. interest rate on purchases and offers up to 62 interest-free days on purchases if you pay your balance in full by the due date on your statement. This Coles credit card also offers 0.5 points per dollar spent at Coles Supermarkets. Points are awarded in whole numbers and rounded down. This is in addition to the flybuys points you earn when you shop and scan your membership barcode at Coles and with flybuys partners.

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No annual fee credit cards

The Coles No Annual Fee Mastercard is one of the few credit cards that offers both no annual fee for life 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 standard flybuys points 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.

Compare No Annual Fee Credit Cards

Rewards credit cards

The Coles Rewards Mastercard offers 2 flybuys points per $1 spent everywhere. When compared to some other rewards credit cards, it has a competitive annual fee of $99 and also offers no international transaction fee on purchases when you shop overseas or online with international merchants.

Compare Rewards Credit Cards

Platinum credit cards

You can enjoy Platinum Mastercard benefits when you apply for any Coles credit card and are approved for a credit limit of $6,000 or more. As well as a higher credit limit, you'll gain access to complimentary extras such as a 24/7 worldwide concierge service and merchandise protection insurance for items you buy with your card. Unlike many other platinum options, these credit cards have the same annual fees and interest rates as regular Coles credit card accounts.

The benefits of banking with a Coles Mastercard

A Coles Mastercard credit card gives you access to the following benefits:

  • flybuys rewards

Coles credit cards are linked to the flybuys rewards program and double as your membership card. If you want to earn more flybuys points for your spending, both the Coles Rewards and Coles No Annual Fee cards offer you points for eligible purchases made anywhere. The Coles Low Rate Mastercard also offers an extra 1 flybuys points per $2 spent on eligible purchases made at Coles Supermarkets. flybuys has a huge range of program partners and redemption options, including flights, frequent flyer points, holiday packages, merchandise and gift cards.

  • Free delivery for Coles online shopping

Shop at Coles Online and enjoy free delivery for orders of $100 or more when you pay with your Coles credit card. Note that normal delivery terms and conditions apply and this offer excludes spending on tobacco and tobacco-related products. Free delivery is also unavailable for remote delivery orders.

  • 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 to instantly redeem 2,000 flybuys points for $10 off your shopping at participating Coles Supermarkets.

  • Coles Mobile Wallet

The Coles Mobile Wallet allows you to make contactless payments wherever there’s a Mastercard PayPass contactless terminal. It also lets you view recent transactions and your flybuys points balance. Just apply and get approved for a Coles Mastercard, then download the Coles Mobile Wallet app and request a Coles Pay Tag so you can link your smartphone, Coles Mastercard and your flybuys card together.

  • 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 Rewards Mastercard offers 0% p.a. on balance transfers for the first 6 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 purchase rate.

  • Earn frequent flyer points and status

If you're a member of the Velocity Frequent Flyer program, you can redeem a minimum of 2,000 flybuys points for 870 Velocity Points. You can also earn 1 Velocity Status Credit per $100 spent at Coles Supermarkets, Coles Online, First Choice Liquor and Liquorland (up to 10 Status Credits per month). Or, if you're an Etihad Guest member and linked your accounts through flybuys before December 2017, you can earn 1 Etihad Guest Tier Mile for every $1 spent at Coles Supermarkets, Coles Online, Coles Express, Liquorland or First Choice Liquor (up to 2,500 Tier Miles per month).

  • Platinum benefits

If you apply for a Coles Rewards, Low Rate or No Annual Fee Mastercard and are approved for a credit limit over $6,000, you will automatically get a Platinum account with additional benefits. These include access to a 24/7 worldwide concierge service and complimentary insurance to protects the items you buy with your card against loss, theft or accidental damage.

How to apply for a Coles Mastercard credit card

Applying for a Coles Mastercard is easy and can be done online in about 15 minutes. Once you have compared a range of options and chosen the Coles credit card you want to apply for, click "Go to site" and you'll be taken to a secure online application page. Before you start, make sure you meet the eligibility requirements. These vary depending on the card you choose but will include:

Eligibility criteria

  • Age. You must be at least 18 years of age.
  • Residency status. You must be a permanent resident or citizen of Australia, or have the right to work in Australia.
  • Minimum income. You must meet the minimum income requirements for the card, which start from $25,000 per year.

Required information and documents

Make sure you have the following items on hand to assist with your Coles Mastercard application:

  • Personal information. You will need to verify your identity using your driver’s licence or another form of approved identification. You’ll also need to enter your residential address, email address and provide at least two phone numbers, such as your mobile and home phone number.
  • Financial information. You need to provide details about your income and your expenses. This includes information like your salary, food budget, rent or mortgage repayments as well as other living expenses.
  • Other credit cards. If you want to transfer your existing credit card balance to a Coles credit card under a balance transfer promotion, you’re required to enter the card number and amount you want to transfer from these accounts.
  • Current flybuys number. If you are an existing member of the flybuys rewards program, have your membership number ready so you can link it to your Coles credit card right away.

Frequently asked questions

Want to know more about Coles credit cards? Here you can read answers to some of the most common questions about them. If you have a specific question we haven't covered, you can also ask your own question using the comment box below.

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Credit Card Offers

Important Information*
NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate

19.74

Annual fee

90
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99
Woolworths Everyday Platinum Credit Card
Woolworths Everyday Platinum Credit Card

Interest rate

19.99

Annual fee

49
Virgin Money Low Rate Credit Card
Virgin Money Low Rate Credit Card

Interest rate

11.99

Annual fee

49

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267 Responses

  1. 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 ?

    • Staff
      IanJanuary 23, 2018Staff

      Hi Les,

      Thank you for your query, You may go to https://shop.coles.com.au, signup and checkout with your postal code to determine if your area is covered by the free delivery promotion. Remote area is also generally defined in this link .Hope that helps!

      Cheers,
      Ian

  2. 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

    • Default Gravatar
      BevFebruary 10, 2017

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

    • Staff
      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

    • Staff
      LouFebruary 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

  3. Default Gravatar
    TeriJanuary 29, 2017

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

    • Staff
      LouJanuary 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

  4. 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!

    • Staff
      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

  5. Default Gravatar
    timOctober 13, 2016

    some years ago I had a Coles Meyer credit card which was paid off in full would be able to issue me another one

    • Staff
      MayOctober 13, 2016Staff

      Hi Tim,

      Thank you for your question.

      If you think you still meet the eligibility criteria of the card, then you can go ahead apply for another Coles credit card. Once you’ve chosen the Coles credit card you wish to apply for, please click on the ‘Go to site’ button and head over to Coles’ website to submit your application.

      Cheers,
      May

  6. Default Gravatar
    JonnyAugust 29, 2016

    When i apply for coles credit card at that time i missed to enter promo code for the kmart $50 voucher but now i got credit card and want to take benefits if kmart voucher so how can i?

    • Staff
      MayAugust 29, 2016Staff

      Hi Jonny,

      Thank you for your question.

      Unfortunately, the $50 *Kmart Gift Card bonus will only be given if you have submitted the secure online application before 31 August 2016 and used the promotion code ‘PROMO1’ and made an eligible purchase (excluding cash advances) within 30 days of card approval.

      If you’ve missed using the promo code when you applied for the card, I’m afraid you’ll not be eligible to receive the bonus gift card from Kmart. Though depending on the credit card you got, you are still entitled to receive other benefits attached to your card.

      Cheers,
      May

  7. Default Gravatar
    KevinDecember 14, 2015

    Hi,

    I am looking at having a cosmetic medical procedure that will cost approx $12,000 in March 2016.

    Can you confirm that if I sign up for a credit card this would qualify as an interest free purchase?

    Thanks

    • Staff
      SallyDecember 16, 2015Staff

      Hi Kevin,

      Thanks for your question.

      Coles list ineligible purchases as cash advances, credit fees or charges, credits, refunds, reimbursements, business purchases or balance transfers into your account. If you’re unsure, you may need to contact Coles on 1300 306 397 to confirm that your surgery is considered an eligible purchase.

      Cheers,

      Sally

  8. Default Gravatar
    SharonDecember 4, 2015

    Hi I just received and have activated my Coles MasterCard and I was just wondering if the card is only to be spent In Coles stores or may it be used somewhere else thank you for your time sharon

    • Staff
      SallyDecember 7, 2015Staff

      Hi Sharon,

      The Coles MasterCard can be used anywhere MasterCard is accepted. However, it’ll earn more rewards points when used at Coles and partnered merchants.

      Cheers,

      Sally

  9. Default Gravatar
    rogersd@gmail.comDecember 2, 2015

    Hi Jonathan, so far all of my transactions aren’t being classed as “Interest Free Purchases” when I view them through the online Coles Mastercard portal.

    • Staff
      JonathanDecember 4, 2015Staff

      Hi Desmond, thanks for your response.

      If your transactions are not being classed as eligible purchases it would be ideal to contact Coles directly on 1300 306 397 to resolve the way your transactions are being charged. The operating hours are Mon-Fri 8.00am – 9.00pm, Saturday 8.00am – 8.00pm, Sunday 8.30am – 8.00pm.

      Cheers,

      Jonathan

  10. Default Gravatar
    rogersd@gmail.comDecember 1, 2015

    I wanted to take advantage of the “0% p.a. for 15 months” interest free offer advertised here however the link to the application returned a 404 error. I instead applied directly through Coles, got approved but have since found out that my transactions aren’t being classed as interest free transactions in my account. Is there something you need to do?

    • Staff
      JonathanDecember 2, 2015Staff

      Hi Roger, thanks for your inquiry!

      The interest free promotion applies to any eligible purchases, which exclude transactions such as cash advances or cash equivalent transaction. To allow us to assist you further what types of transactions are not being classed as interest-free transactions?

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated January 24th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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