Coles Credit Cards


From flybuys points to competitive interest rates and no annual 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, low rates and no annual fee options as well as platinum products. These cards are all linked to the Coles Group's flybuys program and can double as your flybuys membership card.

Coles credit cards also allow you to boost your flybuys balance by offering points for all eligible spending made with the card – even when it's not with a flybuys 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 No Annual Fee Mastercard

Use code '10KBP1' for 10,000 bonus flybuys points

Offer ends 30 September 2017

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, receive a 10,000 bonus flybuys points and enjoy 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 September 21st, 2017
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 10,000 bonus flybuys points if you apply, are approved and make an eligible purchase within the first 30 days.
Coles Platinum No Annual Fee Mastercard
19.99% p.a.
0% p.a. for 6 months
$0 p.a.
Receive 10,000 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.
Coles Platinum Rewards Mastercard
19.99% p.a.
0% p.a. for 6 months
$99 p.a.
Suited to cardholders with higher incomes and credit needs, plus collect 20,000 bonus flybuys points if you apply, and meet the spend criteria.
Coles Low Rate Mastercard
12.99% p.a.
0% p.a. for 6 months
$58 p.a.
A low rate flybuys earning credit card with a balance transfer offer.
Coles Platinum Low Rate Mastercard
12.99% p.a.
0% p.a. for 6 months
$58 p.a.
Collect 0.5 flybuys points per $1 spent at Coles supermarkets. Also enjoy complimentary access to a 24/7 worldwide concierge service.

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Types of Coles credit cards

Coles Mastercard has three credit card options: a rewards credit card, a low rate credit card and a no annual fee card. Each of these cards also offers a platinum version that's available if you're approved for a credit limit of $6,000 or more.

Low rate credit cards

Low rate credit cards can be a more cost-effective option if you struggle to pay off their 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. The Coles Low Rate Mastercard also offers 0.5 points per dollar spent at Coles Supermarkets. This is in addition to the flybuys points you earn when you shop and scan your membership barcode at Coles and with flybuys partners.

Learn more about Low Interest Rate Credit Cards

No annual fee credit cards

The Coles No Annual Fee Mastercard is one of the few credit cards that offers no annual fee for life and a rewards program. This means you can get extra value from the card straight away because there is no need to make sure that your reward points outweigh the cost of the annual fee. With the Coles No Annual Fee Mastercard, you'll earn 0.5 flybuys points per $1 spent on any eligible purchases, as well as standard flybuys points for spending with partnered retailers.

Learn more about 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.

Learn more about 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.

The benefits of banking with a Coles Mastercard

A Coles Mastercard gives you access to the following benefits:

  • Earn more 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 points per $1 spent on any eligible purchases. The Coles Low Rate Mastercard also earns additional points for spending 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

Use your Coles credit card to receive free delivery each time you spend $100 or more at Note that normal delivery terms and conditions apply, and this offer excludes spending on tobacco and tobacco-related products, as well as remote delivery orders.

  • Coles Mobile Wallet

The Coles Mobile Wallet allows you to use your smartphone 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.

  • 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.

  • 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.

  • Earn Velocity Points or Etihad Guest Miles

If you're a member of the Velocity or Etihad Guest frequent flyer program, you can redeem your flybuys points for frequent flyer points. With Velocity, a minimum of 2,000 flybuys converts to 870 Velocity Points, while redemptions for Etihad start from 10,000 flybuys for 4,000 Etihad Guest Miles.

  • 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" to start the secure online application process. 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 the 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. You can also get in touch with us if you would like a member of the team to address your question. But before you do, check through some of the questions other users have asked. There’s a chance your question has already been answered.

You can activate your Coles credit card and PIN online via the Coles Credit Card Online Service Centre. Once you have registered or logged on to this service, simply follow the prompts to activate your card and select a four digit Personal Identification Number (PIN) in one easy step.

Alternatively, you can activate your card by calling 1300 306 397 and following the prompts. Remember to also sign the back of your Coles credit card before you start using it.

This process is known as a balance transfer and can help you save money on interest repayments if there is a 0% promotion in place. With Coles credit cards, you can submit a balance transfer application at any time after your card is approved by filling out a balance transfer request form (available on the Coles Credit Cards website).

You'll need to include the account number, the amount you want to transfer and the name of the card-issuing institution. Before you conduct a balance transfer with a Coles credit card, make sure you also understand the following terms and conditions:

  • You can transfer a balance from a credit card, store card or charge card
  • Balance transfers will not be accepted from any Coles Mastercard, any credit card issued by Latitude Financial Services or any credit card issued outside Australia
  • You transfer up to of your approved credit limit
  • At the end of the balance transfer promotional period, the variable purchase rate will be charged on any remaining balance

If you want to check on your Coles Mastercard application at any time, you can call Coles Mastercard on 1300 306 397.

Cardholders must pay a minimum repayment of 2.22% by the due date each statement. Otherwise, a late payment fee will apply.

If you want to take advantage of interest-free days, you'll need to pay your entire balance in full.

You can make a payment to your Coles Mastercard using the following methods.

  • Direct debit. By completing and sending in a direct debit request form (available from the Coles website), you can automatically pay your Coles Mastercard when your statement is issued. You have the option of paying just the minimum monthly repayment, a specified amount or you can automatically pay your entire balance each month. You need to pay your Coles Mastercard from another bank’s transaction or savings account.
  • BPAY. Log on to your internet banking facility and pay your Coles Mastercard using BPAY. The Coles Mastercard BPAY Biller Code is 8862 and your customer reference number is your 16 digit Coles Mastercard account number. Note that BPAY payments are only processed during business hours and can take up to three business days to process. Transactions made over the weekend and on public holidays may take a little longer to process.
  • At an Australia Post retail outlet. Pay your credit card in person by taking your Coles Mastercard statement to an Australia Post retail outlet. Remember that there’s a small fee if you want to pay your Coles Mastercard in person at Australia Post.
  • By cheque. You can find a payment slip issued with you Coles Mastercard statement. Rip this off and send it with a cheque to Coles Mastercard Customer Care, GPO Box 236E, Melbourne, VIC, 8111.

If you want more credit on your Coles Mastercard, call the Coles Mastercard customer service team on 1300 306 397 and let them know that you would like a credit limit increase. A customer service representative will run through some basic questions about your expenses and how much you earn when they make a decision about increasing your credit limit.

Your credit limit is based on how much you can afford to repay, so if you accepted the maximum credit limit when you applied for a Coles Mastercard and your circumstances have not changed, you may not be eligible for a credit limit increase.

The Mobile Wallet lets you make contactless payments using your smartphone. It combines your Coles Mastercard and your flybuys card so you can make contactless payments and keep track of your purchases from your smartphone.

Once you get your Coles Mastercard, download the Coles Mobile Wallet app. You can then request a Pay Tag. The Coles Pay Tag is a small barcode sticker you attach to the back of your smartphone.

To make a purchase, scan the Coles Pay Tag at the register. This ensures you get the maximum number of flybuys points per transaction. Then hold your smartphone to a contactless terminal to make a payment. The Pay Tag lets you make payments with your phone and the Mobile Wallet app lets you manage your account and view your flybuys points balance.

The Coles Mobile Wallet lets you do most of the things you can do using the Coles Mastercard online banking facility. Both platforms allow you to view recent transactions and check your available credit limit. However, there are some key differences between the two:

Online banking

  • Update your personal details
  • Make BPAY payments
  • Arrange a direct debit
  • Request a credit limit increase
  • View credit card statements
  • Register for alerts and notifications

Coles Mobile Wallet

  • View your flybuys account points balance
  • Access exclusive flybuys offers
  • Request a Coles Pay Tag
  • Activate and deactivate your Coles Pay Tag

Coles and Mastercard have a number of measures in place to protect your account from credit card fraud. Coles credit cards are protected by Falcon, which monitors your account in real time for unusual transactions. Mastercard also offer various layers of protection, including Mastercard SecureCode when shopping online, and the Mastercard Zero Liability Guarantee. Both Coles and Mastercard provide a guarantee that you’ll get your money back if you’re the victim of credit card fraud, this is as long as you’ve taken steps to keep your account safe and secure.

Lost or stolen credit cards need to be reported immediately so you’re not liable for any unauthorised transactions. Lost or stolen credit cards are blocked right away and a new credit card will be issued as soon as possible. You can report a lost or stolen Coles Mastercard at any time of the day, any day of the year on the following numbers:

  • Calls from Australia: 1800 055 809
  • Calls from overseas: +61 3 9420 4818

If you need to speak to Coles about your credit card, you can contact them Monday to Friday 8.00AM to 9.00PM, Saturday and Sunday 8.30AM to 8.00PM. The relevant numbers are as follow:

  • Coles Mastercard. 1300 306 397 or (+61) 3 9420 4816 (when overseas)
  • Coles Platinum Mastercard. 1300 552 710 or (+61) 3 9420 4813 (when overseas)

If you want to close your Coles Mastercard account for whatever reason, you can do so by calling a Coles customer service representative on 1300 306 397. Just make sure you don’t owe any money on your card.

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265 Responses

  1. 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 – 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.


    • Staff
      AnndyFebruary 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.


  2. Default Gravatar
    TeriJanuary 29, 2017

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

    • Staff
      AnndyJanuary 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.


  3. 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.


  4. 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.


  5. 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.


  6. Default Gravatar
    KevinDecember 14, 2015


    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?


    • 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.



  7. 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.



  8. 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.



  9. 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?



  10. Default Gravatar
    georgeNovember 18, 2015

    Noticed that Coles has offer of 100 dollars off shop when approved credit card. When does this offer start and does it apply to no fee card?

    • Staff
      JonathanNovember 20, 2015Staff

      Hi George, thanks for your inquiry!

      Unfortunately the $100 offer has ended. You can compare other Cashback credit cards here.



    • Staff
      JonathanNovember 20, 2015Staff

      Hi George, thanks for your inquiry!

      Unfortunately the $100 offer has ended. You can compare other Cashback credit cards here.



Credit Cards Comparison

Rates last updated September 21st, 2017
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 24 months
$90 p.a.
Until 1 October 2017, exclusive to, enjoy a no BT fee, balance transfer offer with platinum privileges, including travel insurance.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.

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* The credit card offers compared on this page are chosen from a range of credit cards 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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