Coles Mastercard Credit Cards

With Flybuys rewards, low rates and no annual fee options, compare Coles Mastercards to find one that works for you.

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Coles Credit Cards

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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 - Exclusive Offer

Coles No Annual Fee Mastercard - Exclusive Offer

0% p.a. for 12 months on purchases and balance transfers
10,000 bonus Flybuys points

Offer ends 16 June 2021

Eligibility criteria, terms and conditions, fees and charges apply

Coles Credit Card - Exclusive Offer

Reward your spending with Flybuys points and save with 0% interest on balance transfers and purchases for the first 12 months.

  • Ongoing $0 annual fee
  • 0% on balance transfers and purchases for 12 months
  • Collect 10,000 bonus Flybuys points when you make your first eligible spend within 30 days of approval
  • Earn Flybuys point per $1 spent on eligible purchases
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Comparison of Coles Mastercard Credit Cards

Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Coles No Annual Fee Mastercard - Exclusive Offer
0% p.a. for 12 months, reverts to 19.99% p.a.
Up to 55 days on purchases
0% p.a. for 12 months
Finder Exclusive, ends 16 June 2021
Earn 10,000 bonus Flybuys points and save on interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Coles Rewards Mastercard
19.99% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($99 p.a. thereafter)
0% p.a. for 18 months with 1.5% balance transfer fee
Enjoy 20,000 bonus Flybuys points (worth $100 at Coles), a $0 first-year annual fee and an 18-month balance transfer offer.
Coles Low Rate Mastercard
12.99% p.a.
Up to 55 days on purchases
0% p.a. for 15 months
Enjoy a 0% interest on balance transfers for 15 months, with no BT fee. Plus, earn Flybuys points as you spend.
Coles No Annual Fee Mastercard
19.99% p.a.
Up to 55 days on purchases
0% p.a. for 6 months
Get $100 off a Coles Supermarket shop when you spend at least $1,000 in the first 60 days and save with a 0% balance transfer offer.

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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.

Low rate credit cards

The Coles Low Rate Mastercard offers a low interest rate of 12.99% p.a. purchases and offers up to 55 interest-free days on purchases if you pay your balance in full by the due date on your statement. It also offers 0.5 Flybuys points per $1 spent at Coles Supermarkets. Points are awarded in whole numbers and rounded down (meaning you earn 1 point for every $2 of eligible spending). These points are in addition to the points you'll earn by scanning your Flybuys membership barcode (on the back of the card).

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.

Rewards credit cards

The Coles Rewards Mastercard offers 2 Flybuys points per $1 spent on all eligible purchases up to $3,000 per statement period (1 point per $1 thereafter). It offers up to 55 days interest-free on retail purchases when you pay the total outstanding balance by the due date on each statement and 0% international transaction fees when you're shopping overseas or online with retailers based overseas. Compared to some other rewards credit cards, this card also has a competitive annual fee of $99.

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 Flybuys membership card, with your membership details printed on the back of your credit 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 points per $1 spent on eligible purchases at Coles Supermarkets. Flybuys has a huge range of program partners and reward options, including travel rewards, frequent flyer points, holiday packages, merchandise and gift cards.

  • 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 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 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 Apple Pay or Samsung Pay.

How to apply for a Coles Mastercard

You can apply for a Coles Mastercard 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 the Coles Mastercard 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.
  • Minimum income. The minimum income requirements for Coles Mastercard credit cards 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 Medicare details. You’ll also need to share your residential address, email address and phone number.
  • Employment details. This includes your employment status, employer's contact details and the length of time you've worked there.
  • 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. If you're not a member yet, you can join for free by visiting the Flybuys website – and have the option to update the Flybuys details linked to your card through the Coles Online Service Centre.

After you've filled out these sections of the application, you can review the details you've provided before submitting it. You'll then receive a response within 60 seconds.

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.

How do I activate my Coles Mastercard and choose a PIN?

You can activate your Coles credit card and PIN online via the Coles Credit Card Online Service Centre. Once you have registered and logged in to this service, 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.

How do I transfer my existing credit card debt to my Coles Mastercard?

This process is known as a balance transfer and can help you save money on interest repayments if there is a low/no interest promotion. 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 Citi or any credit card issued outside Australia
  • You can transfer from $100 up to 80% of your approved credit limit
  • At the end of the balance transfer promotional period, the variable cash advance rate will be charged on any remaining balance
How can I check the status of my Coles Mastercard application?

You can call Coles Mastercard on 1300 306 397 at any time to check on your application. This service is available 24 hours a day, 7 days a week.

What’s the minimum repayment on my Coles Mastercard?

You'll need to make a minimum repayment of 2% 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.

How do I make a repayment to my Coles Mastercard?

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.
How can I increase my credit limit?

If you want additional credit, 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.

How is my Coles Mastercard protected from fraud?

Coles and Mastercard have a number of measures in place to protect your account from credit card fraud. Coles credit cards are monitored 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.

What if my card is lost or stolen?

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 by calling 1800 055 809. If you're overseas, add the code +61 to the start of this number when you call.

How do I get in contact with Coles about my credit card?

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 number is as follows:

  • Coles Mastercard. 1300 306 397

If you're overseas, add the code +61 to the start of the phone number when you call. Alternatively, you could go to to find more details about your card, access related forms or log in to the Coles Credit Card Service Centre.

How do I cancel my card?

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.

How can I register for Coles Mastercard online banking?

Once you've got your Coles credit card, follow these steps to register for the online banking services:

  1. Go to
  2. Click the "Login" button in the top right-hand corner and select "Credit Card Service Centre". You'll then be taken to a login page where you can also register for the service.
  3. Click the "Register" tab in the top left-hand corner of the page, enter your card details and follow the prompts to complete your registration.

Once you have done this, you'll be able to log in to your account at any time via

All my other cards are Visa. Can I get a Coles Visa card?

Unfortunately not, Coles only offers Mastercard credit cards at this stage. Both Mastercard and Visa credit cards offer worldwide acceptance and similar functionality but if you're still unsure, you can compare the range of Coles credit cards to Visa credit cards to help you find an option that's right for you.

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268 Responses

    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?

      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


    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!


    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

      Avatarfinder Customer Care
      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.


      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.


    Default Gravatar
    TeriJanuary 29, 2017

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

      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.


    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!

      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.


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