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.
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 Credit Cards 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.
Plan
Description
Statement instalments
Convert retail purchases from your closing balance into a structured payment plan, with a minimum of $500 and monthly instalment repayments.
Transaction instalments
Convert new shopping to a payment plan before it shows up on your statement. You can do this with any eligible purchase over $50.
Cash instalments
Access a minimum of $500 and up to 90% of your available credit limit as cash for bills, study or anything else you need and pay it off in instalments. This option is similar to a small personal loan, but make sure you check the rates and fees so you know how much it will cost before you get it.
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.
How to apply for a Coles credit card
Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.
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:
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.
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.
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.
You can activate your Coles credit card through the Coles Credit Cards app or Coles Online Service Centre by logging in and following the prompts. Or, call 1300 306 397.
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.
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.
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.
Coles only offers Mastercard credit cards. But both Mastercard and Visa cards offer worldwide acceptance and similar ways to pay.
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.
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.
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I already have a coles fee free mastercard, Am I able to transfer debt from a non coles credit card and obtain the 18 months 0% interest offer?
Finder
JonathanJanuary 27, 2015Finder
Hi Judy,
Thanks for your question,
Please also note that the balance transfer rate offer described on this page is only available to new and approved credit card applicants/ new customers who apply for an Coles No Annual Fee Mastercard account.
I hope this has helped.
Cheers,
Jonathan
RichardJanuary 22, 2015
Trying to apply for balance transfer. Can you tell me how?
rickJanuary 23, 2015
dear john, could someone contact me by phone please to apply for credit card, as I am new with computers and not understanding very well. I have a few questions to ask. rick 0400 510 956. thank you
Finder
JonathanJanuary 23, 2015Finder
Hi Rick,
Thanks for your inquiry,
Please refer to the email I have sent to you providing the contact details to Coles Mastercard’s customer service team available weekdays 8.00am – 9.00pm, weekends 8.30am – 8.00pm AEST.
I hope this helps!
Cheers,
Jonathan
Finder
JonathanJanuary 23, 2015Finder
Hi Richard,
Thanks for your inquiry,
In regards to Coles Credit Card products the balance transfer is requested upon application completion and acceptance. Please refer to the website link I have provided to you via email containing the relevant form for completing a balance transfer request.
I hope this has helped.
Cheers,
Jonathan
RhondaJanuary 20, 2015
I cannot find how to apply for this card. I can only find information about it???
Finder
JonathanJanuary 21, 2015Finder
Hi Rhonda,
Thanks for your inquiry!
Please refer to the website link I have sent to your email which will direct you to the applications for Coles Mastercard current offers.
I hope this helps!
Cheers,
Jonathan
RichardJanuary 23, 2015
Still can’t find application page,please send website link to this email. Thanks Richard.
Finder
JonathanJanuary 23, 2015Finder
Hi Richard,
Thanks for your inquiry,
Please refer to the link I’ve provided to your email.
Cheers,
Jonathan
brookieJanuary 18, 2015
Also, I am planning on contacting my bank to negotiate a payout figure on my personal loan with the hope that the amount owing is reduced. Then I would like to transfer this amount onto a new card such as the coles MasterCard with 18 months interest free. Would you suggest I negotiate my amount first or begin the application for the coles MasterCard? If I am approved and the amount I’d like to transfer changes (becomes less) is it easy to adjust this? thanks
Finder
JonathanJanuary 19, 2015Finder
Hi Brookie,
Thanks for your inquiry,
The balance transfer request for Coles Credit Cards takes place after card approval which is completed through the ‘Balance Transfer Authorisation Form’ available on the Coles website.
I hope this helps!
Cheers,
Jonathan
brookieJanuary 18, 2015
Hi, I am interested in applying for a balance transfer. What is the limit amount? How long does the application take to process? ThabksI
Finder
JonathanJanuary 19, 2015Finder
Hi Brookie,
Thanks for your question.
In regards to Coles Credit Cards, there is no maximum balance transfer limit, with the maximum amount you can transfer to the card (maximum balance transfer limit) determined by the credit limit of the card. Most cards will let you transfer up to the credit limit but there are some cards that may let you transfer only up to a percentage of the credit limit usually 95%. It is important to note balance transfers are only eligible from competitor credit cards/credit issuers, not from the same bank. Please see more information regarding balance transfer limits.
The maximum amount you can apply for is set by the bank, also known as the credit limit. More information regarding credit limits are available on Balance Transfer Credit Cards and Balance transfer limit.
The application process can take up to two weeks. But generally, you’ll have your card anywhere between a week and a week and a half after a lender approves your application. You are able to check the status of your application by contacting the respective customer service team of the bank.
If you wish to send a Coles gift card to your loved ones, have a look at this guide and find out what should be considered before buying and using one.
The Coles Rewards Mastercard lets you earn Flybuys points on your spending, with a $250 Coles gift card and a 0% balance transfer offer – so what are its other features like?
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I already have a coles fee free mastercard, Am I able to transfer debt from a non coles credit card and obtain the 18 months 0% interest offer?
Hi Judy,
Thanks for your question,
Please also note that the balance transfer rate offer described on this page is only available to new and approved credit card applicants/ new customers who apply for an Coles No Annual Fee Mastercard account.
I hope this has helped.
Cheers,
Jonathan
Trying to apply for balance transfer. Can you tell me how?
dear john, could someone contact me by phone please to apply for credit card, as I am new with computers and not understanding very well. I have a few questions to ask. rick 0400 510 956. thank you
Hi Rick,
Thanks for your inquiry,
Please refer to the email I have sent to you providing the contact details to Coles Mastercard’s customer service team available weekdays 8.00am – 9.00pm, weekends 8.30am – 8.00pm AEST.
I hope this helps!
Cheers,
Jonathan
Hi Richard,
Thanks for your inquiry,
In regards to Coles Credit Card products the balance transfer is requested upon application completion and acceptance. Please refer to the website link I have provided to you via email containing the relevant form for completing a balance transfer request.
I hope this has helped.
Cheers,
Jonathan
I cannot find how to apply for this card. I can only find information about it???
Hi Rhonda,
Thanks for your inquiry!
Please refer to the website link I have sent to your email which will direct you to the applications for Coles Mastercard current offers.
I hope this helps!
Cheers,
Jonathan
Still can’t find application page,please send website link to this email. Thanks Richard.
Hi Richard,
Thanks for your inquiry,
Please refer to the link I’ve provided to your email.
Cheers,
Jonathan
Also, I am planning on contacting my bank to negotiate a payout figure on my personal loan with the hope that the amount owing is reduced. Then I would like to transfer this amount onto a new card such as the coles MasterCard with 18 months interest free. Would you suggest I negotiate my amount first or begin the application for the coles MasterCard? If I am approved and the amount I’d like to transfer changes (becomes less) is it easy to adjust this? thanks
Hi Brookie,
Thanks for your inquiry,
The balance transfer request for Coles Credit Cards takes place after card approval which is completed through the ‘Balance Transfer Authorisation Form’ available on the Coles website.
I hope this helps!
Cheers,
Jonathan
Hi, I am interested in applying for a balance transfer. What is the limit amount? How long does the application take to process? ThabksI
Hi Brookie,
Thanks for your question.
In regards to Coles Credit Cards, there is no maximum balance transfer limit, with the maximum amount you can transfer to the card (maximum balance transfer limit) determined by the credit limit of the card. Most cards will let you transfer up to the credit limit but there are some cards that may let you transfer only up to a percentage of the credit limit usually 95%. It is important to note balance transfers are only eligible from competitor credit cards/credit issuers, not from the same bank. Please see more information regarding balance transfer limits.
The maximum amount you can apply for is set by the bank, also known as the credit limit. More information regarding credit limits are available on Balance Transfer Credit Cards and Balance transfer limit.
The application process can take up to two weeks. But generally, you’ll have your card anywhere between a week and a week and a half after a lender approves your application. You are able to check the status of your application by contacting the respective customer service team of the bank.
I hope this helps!
Cheers,
Jonathan