Coles Credit Cards

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

Coles offers a range of credit cards to suit different goals, with rewards credit cards, low rate and no annual fee options. If you're a member of the Coles Group's flybuys rewards program, your Coles credit card can also double as your flybuys membership card.

Use this guide to compare Coles credit cards and learn more about the different features available. We also go through benefits you'll get with a Coles credit card and how to apply if you decide one of these cards is right for you.

Comparison of Coles Credit Cards

Rates last updated November 20th, 2018
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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
Coles No Annual Fee Mastercard
0% p.a. for 6 months
0% p.a. for 15 months (reverts to 19.99% p.a.)
$0 p.a.
Enjoy 0% p.a. interest on purchases for the first 15 months and earn flybuys points for your spending for an ongoing $0 annual fee.
Coles Rewards Mastercard
0% p.a. for 6 months
0% p.a. for 15 months (reverts to 19.99% p.a.)
$99 p.a.
Save with 0% p.a. interest on purchases for the first 15 months and earn 2 flybuys points per $1 spent.
Coles Low Rate Mastercard
0% p.a. for 6 months
0% p.a. for 15 months (reverts to 12.99% p.a.)
$58 p.a.
Offers 0% p.a. interest on purchases for the first 15 months and a balance transfer option. Plus, earn flybuys points at Coles Supermarkets.

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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 12.99% p.a. interest rate on 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 points per $1 spent at Coles Supermarkets. Points are awarded in whole numbers and rounded down. 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 – even if they are not with flybuys partners. 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 stores based overseas.

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.

  • Free delivery for Coles Online shopping

Shop at Coles Online and enjoy free delivery for orders worth $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 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 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 cash advance rate.

  • Interest-free purchase offers

Make retail purchases now and pay later with an interest-free purchase offer on any new Coles Mastercard. For example, the Coles Low Rate Mastercard offers 0% p.a. interest on purchases for the first 15 months you have the card, allowing you to save money on interest charges and offering repayment flexibility. Any balances remaining after the introductory period will attract interest at the variable 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).

How to apply for a Coles Mastercard credit card

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 Coles Mastercard's 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. 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 a 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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269 Responses

  1. 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?

    • finder Customer Care
      JhezelynJuly 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


  2. 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, 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!


  3. 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

    • finder 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.


    • finder Customer Care
      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.


  4. Default Gravatar
    TeriJanuary 29, 2017

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

    • finder Customer Care
      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.


  5. 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!

    • finder 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.


  6. 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

    • finder Customer Care
      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.


  7. 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?

    • finder Customer Care
      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.


  8. 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?


    • finder Customer Care
      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.



  9. 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

    • finder Customer Care
      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.



  10. 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.

    • finder Customer Care
      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.



Credit Cards Comparison

Rates last updated November 20th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
Citi Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months (reverts to 20.99% p.a.)
0% p.a. for 13 months
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.
American Express Westpac Altitude Platinum Bundle - Qantas - Exclusive Offer
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
finder Exclusive:
Up to 90,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).

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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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