Coles Mastercard 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 2025 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.

Coles Credit Card Offer

Coles No Annual Fee Mastercard

Ongoing $0 annual fee

Eligibility criteria, terms and conditions, fees and charges apply

Coles Credit Card Offer

A no annual fee credit card that earns Flybuys points for every $1 spent on eligible purchases.

• Ongoing $0 annual fee | Up to 4 free additional cardholders
• Earn Flybuys points per $1 spent on eligible purchases
• Purchase rate: 20.74% p.a. | Up to 44 days interest-free
• Compatible with Apple Pay, Samsung Pay and Google Pay

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Coles Mastercard Credit Card Comparison

Product	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Coles No Annual Fee Mastercard Flybuys	Purchase rate p.a. 20.74%	Bonus points N/A	Points per $ spent 0.5	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 20.74%	Annual fee $0	Save with an ongoing $0 annual fee and earn 0.5 Flybuys points per $1 spent on eligible purchases.	Go to siteMore info Compare	loading Fetching your data...
Coles Low Rate Mastercard Flybuys	Purchase rate p.a. 0% for 6 months, then 13.49%	Bonus points N/A	Points per $ spent 0.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 20.74%	Annual fee $58	Save with 0% p.a. for the first 6 months on purchases. Plus, earn Flybuys points on Coles spending.	ContinueMore info Compare	loading Fetching your data...
Coles Rewards Mastercard Flybuys	Purchase rate p.a. 20.74%	Bonus points N/A	Points per $ spent 2	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 20.74%	Annual fee $99	Join Coles Plus Saver for free (saving you $7 each month) and get 10% off one Coles shop (up to $50 off) per month.	ContinueMore info Compare	loading Fetching your data...

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Congratulations, Coles!

The Coles No Annual Fee Mastercard was highly commended for Best No Annual Fee Rewards Credit Card in the 2025 Finder Awards.

Full list of 2025 winners

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.

• 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.

• 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.

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:

• Kogan Money Credit Cards
• humm credit cards
• Latitude credit cards

Frequently asked questions

• Which bank is Coles Mastercard partnered with?

  Coles credit cards are issued by NAB, after it acquired Citi's consumer banking business on 1 June 2022. But the card branding and your day-to-day account management is typically through Coles.

• What Coles credit cards were affected by the Latitude cyber attack?

  People with Coles credit card accounts that were opened before 2018 may have had their details compromised by the 2023 Latitude cyber attack. This is because Latitude Financial was the former issuer of Coles credit cards. Latitude Financial has said it is in the process of contacting people affected by the cyber attack and is posting updates on the Latitude website.

  Your Coles credit card account would not be affected by the Latitude cyber attack if you opened it in 2018 or later, after Citigroup (and now NAB) became the issuer of Coles credit cards.

• How do I contact Coles Mastercard?

  You can call the Coles customer support team on 1300 306 397 or use the live chat service when you have logged in to your online account. The Coles website also has an online, email contact form.

  If you want to contact Coles specifically about financial hardship, call 1800 931 356 or email hardship@secure.coles.com.au.

• How do I activate my Coles Mastercard?

  You can activate your Coles credit card through the Coles Mobile Wallet app or Coles Online Service Centre by logging in and following the prompts. Or, call 1300 306 397.

• How do I make a repayment to my Coles Mastercard?

  You can make a payment to your Coles Mastercard using the details on your statement. The different options include:

  • 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.

  You can make payments at any time, but will always need to pay at least the minimum amount listed on your statement by the due date. The minimum repayment is usually the lesser of $30 or 2% of the balance. Otherwise, a late payment fee will apply.

• How can I change my credit limit?

  If you want to increase or lower your credit limit, call the Coles Mastercard customer service team on 1300 306 397.

  Keep in mind that 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.

• How do I cancel my card?

  You can close your Coles Mastercard account by logging in to the Online Service Centre and going to the "Manage My Card" section. Or, call the Coles customer service team on 1300 306 397. Just make sure you don’t owe any money on your card.

• Can I get a Coles Visa card?

  Coles only offers Mastercard credit cards. But both Mastercard and Visa cards offer worldwide acceptance and similar ways to pay.

• Can I use a Coles Mastercard credit card at Woolworths?

  Yes, you can use a Coles credit card to pay for shopping at Woolworths or anywhere else that accepts Mastercard payments. With the Coles Rewards Mastercard and Coles No Annual Fee Mastercard, you'll even earn Flybuys points per $1 on eligible spending.

Contact details and related links

• Coles customer service number: 1300 306 397
• Flybuys rewards program
• Coles personal loans
• Coles car insurance
• Coles home insurance
• Coles pet insurance

Compare other products from Coles

• Coles home insurance
• Coles car insurance
• Coles pet insurance
• Coles landlord insurance

Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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