Coles Credit Cards

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 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.

Comparison of Coles Mastercard Credit Cards

Name Product Purchase rate Interest-free period Balance transfer rate Annual fee
Coles No Annual Fee Mastercard
19.99% p.a.
Up to 55 days on purchases
0% p.a. for 12 months
Get $150 off a Coles Supermarket shop when you spend at least $1,000 in the first 60 days. Plus, a 0% balance transfer offer.
Coles Rewards Mastercard
0% p.a. for 12 months, reverts to 19.99% p.a.
Up to 55 days on purchases
0% p.a. for 12 months
Get 30,000 bonus Flybuys Points when you spend $1,000 in 60 days. Plus, 0% purchase and balance transfer offers for the first 12 months.
Coles Low Rate Mastercard
0% p.a. for 12 months, reverts to 12.99% p.a.
Up to 55 days on purchases
0% p.a. for 12 months
Enjoy 0% p.a. on purchases and balance transfers for the first 12 months (with no balance transfer fee).

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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 elsewhere 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 elsewhere. 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 12 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, with details of the next steps.

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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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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