Coles Credit Card Promotions

Coles MaterCard logo

Earn up to 2 flybuys points per $1 spent everywhere, enjoy shopping perks and take advantage of low rate and no annual fee offers with Coles credit cards.

Coles MasterCard offers a range of credit card options for different spending habits and needs, with rewards, low rates and no annual fee options as well as premium Platinum products. It is one of the only credit card providers that rewards you with flybuys points per $1 spent, and even includes a rewards card with no annual fee for life.

While the Coles No Annual Fee MasterCard and Coles Rewards MasterCard products earn flybuys points for eligible spending everywhere, the Coles Low Rate MasterCard offers additional points for spending at Coles Supermarkets. All of these credit cards also double as your flybuys membership card, so you only have to carry one card instead of two. Here, you can compare Coles credit cards and learn more about them to decide if one of these products is right for you.

Comparison of Coles Credit Cards

Rates last updated December 7th, 2016.

Coles Rewards Platinum MasterCard

2 flybuys reward points for every dollar spent + a low balance transfer offer

May 30th, 2016

Coles Platinum No Annual Fee MasterCard

New offer of 0% p.a. for 15 months on purchases is valid until 31 December 2016.

October 5th, 2016

Coles No Annual Fee MasterCard

New offer of 0% for 15 months on purchases, which is valid until 31 December 2016.

October 5th, 2016

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Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Coles No Annual Fee MasterCard
Enjoy low purchase rate offer of 0% p.a. for 15 months and no annual fee for the life of the card. Earn 1 flybuys point for every $2 spent.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 6 months $0 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info
Coles Rewards Mastercard
Earn 2 flybuys points for every $1 spent and pay no foreign transaction fees on online and international purchases.
19.99% p.a. 0% p.a. for 6 months $89 p.a. Go to site More info
Coles Rewards Platinum MasterCard
Enjoy 2 flybuys points for every $1 spent and pay a low annual fee.
19.99% p.a. 0% p.a. for 6 months $89 p.a. Go to site More info
Coles Platinum No Annual Fee MasterCard
Enjoy no annual fee for the life of the card, low interest rate offer on purchases for up to 15 months with platinum card benefits.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 6 months $0 p.a. Go to site More info

Types of credit cards from Coles MasterCard

Coles MasterCard offers three credit cards: a low rate credit card, a no annual fee card and a rewards credit card. These cards can be ideal if you regularly shop at Coles, offering flybuys points, free online delivery when you use your Coles MasterCard to buy your groceries via Coles online, and a range of other features that we've outlined below.

  • Low rate credit cards

Low rate credit cards can be a more cost-effective option for cardholders who struggle to pay off their debts. The Coles Low Rate MasterCard charges a competitive interest rate on purchases and offers as many as 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 is also linked to the flybuys loyalty program, and offers 1 point per $2 spent at Coles Supermarkets in addition to standard flybuys earnings.

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info

Learn more about Low Interest Rate Credit Cards

  • No annual fee credit cards

The Coles No Annual Fee MasterCard is among a limited number of credit cards with no annual fee for life and a rewards program. This means there’s no initial spend before you "break even" with the rewards program. The Coles No Annual Fee MasterCard rewards you with  flybuys points per $1 spent on any eligible purchase, as well as standard flybuys points for spending with flybuys partners.

Rates last updated December 7th, 2016
Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
$0 p.a. 14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with $0 annual fee for the life of the card.
$0 p.a. 11.99% p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
$149 p.a. 19.99% p.a. 0% p.a. for 15 months Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Also, receive complimentary airport lounge access and 24/7 concierge service.
$0 p.a. annual fee for the first year ($425 p.a. thereafter) 19.99% p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
$0 p.a. annual fee for the first year ($87 p.a. thereafter) 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months Go to site More info
Virgin No Annual Fee Credit Card
No annual fee credit card with $100 cashback and a long term low rate balance transfer offer of 0% p.a. for 18 months with 2% balance transfer fee. Spend criteria applies for cashback offer.
$0 p.a. 18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee Go to site More info
American Express Qantas Discovery Card
Earn up to 7,500 bonus Qantas Frequent Flyer points, plus take advantage of no annual fee for the life of the card. Earn 1 Qantas Frequent Flyer point per $1 spend.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
$0 p.a. annual fee for the first year ($87 p.a. thereafter) 19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee Go to site More info
28 Degrees Platinum MasterCard
No annual fee for life, up to 55 days interest-free on purchases and no foreign transaction fees.
$0 p.a. 21.99% p.a. 4.99% p.a. for 6 months Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
ANZ First Student Card
An ideal credit card for students with 44 days interest-free on purchases with $0 annual fee in the first year. Access your account on the go with the goMoney™ app.
$0 p.a. annual fee for the first year ($30 p.a. thereafter) 19.74% p.a. Go to site More info
Citi Simplicity Card
Pay no annual fee to ever, plus receive access to complimentary purchase insurance and the Citibank Dining Program.
$0 p.a. 19.99% p.a. 0% p.a. for 9 months Go to site More info
ANZ Frequent Flyer
Receive 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Plus enjoy a waived annual fee for the first year.
$0 p.a. annual fee for the first year ($95 p.a. thereafter) 19.99% p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
$0 p.a. annual fee for the first year ($295 p.a. thereafter) 19.99% p.a. Go to site More info

Learn more about No Annual Fee Credit Cards

  • Rewards credit cards

The Coles Rewards MasterCard offers flybuys points per $1 spent everywhere. When compared to other rewards credit cards, it has a competitive annual fee of only $89 and also offers no international transaction fee on international purchases when you shop online or overseas.

Rates last updated December 7th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
Coles Rewards Mastercard
Earn 2 flybuys points for every $1 spent and pay no foreign transaction fees on online and international purchases.
0 2 $89 p.a. Go to site More info
Rates last updated December 7th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 100,000 bonus points $395 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
1 $0 p.a. Go to site More info
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
0 1 $149 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
0 1 60,000 bonus points $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 18 months
0 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
1.5 0.5 75,000 bonus points $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest-free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers.
0 0.66 $129 p.a. Go to site More info
ANZ Rewards Platinum
Earn points for every dollar spent on purchases plus a 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
2 1 50,000 bonus points $95 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
1 0 50,000 bonus points $349 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
1 0 10,000 bonus points $195 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
2 1 $225 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
0 1 30,000 bonus points $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with Earn 7,500 bonus points and enjoy 0% p.a. on balance transfers for 12 months when you apply and are approved. Earn 1 Qantas Point per $1 spend.
1 0 7,500 bonus points $0 p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
1 0 7,500 bonus points $0 p.a. Go to site More info
Westpac Altitude Black - Exclusive Offer
Earn 100,000 bonus points when you spend $5,000 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits.
3 1.25 100,000 bonus points $395 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
1 0 30,000 bonus points $249 p.a. Go to site More info
David Jones American Express Platinum Card
Receive 40,000 Membership Rewards points or 30,000 Qantas Points. Plus earn up to 4 rewards point per $1 spend.
1 40,000 bonus points $295 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
0 1 50,000 bonus points $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
American Express Platinum Business Card
Receive 100,000 bonus points when you meet the minimum spend requirement and earn up to 2 Membership Rewards points for every dollar spent.
1 0 100,000 bonus points $1,500 p.a. Go to site More info
Learn more about Rewards Credit Cards

The benefits of banking with a Coles MasterCard

A Coles MasterCard gives you access to the following:

  • Earn more flybuys rewards

These cards are all linked to the flybuys rewards program, and both the Coles Rewards and Coles No Annual Fee products earn points for spending everywhere. flybuys has a huge range of program partners and redemption options, including flights, 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 shop.coles.com.au. Note that normal delivery terms and conditions apply, and this offer excludes tobacco and tobacco-related product purchases, 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 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 all in one.

  • Get money off at the checkout at Coles

If you choose to use your flybuys points to get money off at the checkout 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 on balance transfers for the first months you have the card, allowing you to save money on interest charges and pay down your debt faster.

  • Earn Etihad Guest Miles

You can now earn redeem flybuys points for Etihad Guest Miles, providing you with more freedom in points spending and access to Etihad's flight rewards and upgrades. Redemptions start from 10,000 flybuys for 4,000 Etihad Guest Miles.

  • Platinum benefits

If you apply for a Coles Rewards 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 complimentary access to a 24/7 worldwide concierge service and merchandise protection insurance, which 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 requirements

  • 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 (depending on the card).
  • Minimum income. You must meet the minimum income requirements for the card, which start from $25,000 per annum.

Required information

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 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.

Frequently asked questions

Check the list of frequently asked questions for answers to some of the most common questions about Coles MasterCard. You can always get in touch with us if you would like a member of the finder.com.au team to address you 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.

How do I activate my Coles Mastercard/ Choose the PIN?

To activate, call and follow the prompts – it only takes a few minutes. Once you’ve activated you can then choose your own PIN.

To activate your Coles Mastercard Call 1300 306 397.

For Platinum cardholders please call 1300 552 710 to activate your card.

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

A balance transfer is a great way to save money on interest repayments. If you’re a new Coles MasterCard account holder, you can elect to transfer a balance within the online application. Enter the account number, the amount you want to transfer and select the name of the card issuing institution. The balance transfer is processed automatically when you get your card and you activate it.

Take note of the following if you’re considering a balance transfer to a Coles MasterCard.

  • 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 can use on your Coles MasterCard towards a balance transfer
  • At the end of the balance transfer promotional period, the purchase will be charged on anything you transferred to a Coles MasterCard but have not repaid

What’s the minimum repayment on my Coles MasterCard?

Click through to our Coles MasterCard product review pages to find out about the minimum repayment. The minimum repayment is usually a small percentage of your outstanding balance (if you’re carrying a debt), which you must pay back to stop your account from entering into default and incurring a late payment fee.

If you’re unable to make your Coles MasterCard minimum repayment, contact the customer service team on 1300 306 397 to discuss your options.

How do I make a repayment to my Coles MasterCard?

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

  • Kmart & Target. You can make a payment to your Coles MasterCard in person at a Target or Kmart outlet. Bring your Coles MasterCard and your credit card statement to a register and you can pay using EFTPOS or cash. A payment handling fee of $2.25 applies to each transaction.
  • 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 or decrease my credit limit?

If you want more credit on your Coles MasterCard, get in touch with Coles on 1300 306 397 and let them know that you would like a credit limit increase. Coles 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.

What’s the Coles Mobile Wallet and Coles Pay Tag?

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, first 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.

What’s the difference between Coles Internet banking and the Coles Credit Card App?

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

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 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.

What if my Coles MasterCard 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 on the following numbers:

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

How do I get in contact with Coles Credit Cards?

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)

How do I cancel my Coles MasterCard?

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.

Can I load my credit card account in credit for overseas use?

Yes. Loading your account in credit will allow you to avoid the cash advance interest rate, although you will still have to pay the Overseas ATM Withdrawal Fee of $4 and Cash Advance Fee of 3% of the cash advance/cash equivalent transaction or $1.95, whichever is greater.

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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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257 Responses to Coles Credit Card Promotions

  1. Default Gravatar
    tim | October 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
      May | October 13, 2016

      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

  2. Default Gravatar
    Jonny | August 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
      May | August 29, 2016

      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

  3. Default Gravatar
    Kevin | December 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
      Sally | December 16, 2015

      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

  4. Default Gravatar
    Sharon | December 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
      Sally | December 7, 2015

      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

  5. Default Gravatar
    rogersd@gmail.com | December 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
      Jonathan | December 4, 2015

      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

  6. Default Gravatar
    rogersd@gmail.com | December 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
      Jonathan | December 2, 2015

      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

  7. Default Gravatar
    george | November 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
      Jonathan | November 20, 2015

      Hi George, thanks for your inquiry!

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

      Cheers,

      Jonathan

    • Staff
      Jonathan | November 20, 2015

      Hi George, thanks for your inquiry!

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

      Cheers,

      Jonathan

  8. Default Gravatar
    Cameron | November 12, 2015

    How do I track my submitted application?

    • Staff
      Ally | November 12, 2015

      Hi Cameron,

      Thanks for your inquiry.

      Please note that you have reached finder.com.au and not Coles MasterCard. I have sent their contact details to your email to allow you to inquire further into your application status.

      Cheers,
      Ally

  9. Default Gravatar
    Scott | October 30, 2015

    I wish to take advantage of the 15 months interest free on purchases. I have just been accepted for the Coles MasterCard. Do I just swipe my card at the retailer or are there steps I need to follow to get the interest free?

    • Staff
      Jonathan | November 2, 2015

      Hi Scott, thanks for your inquiry!

      The purchase rate promotion of 0% for 15 months can be used as soon as you activate your Coles MasterCard.

      Cheers,

      Jonathan

  10. Default Gravatar
    ROBERT | October 14, 2015

    Wanting to increase my credit limit if possible need to go Melbourne

    • Staff
      Jonathan | October 15, 2015

      Hi Robert, thanks for your inquiry!

      Credit limit increases can be requested by contacting Coles directly. I have sent their contact details to your email.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

* 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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