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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is there a cap to the number of flyby points you can earn per annum with the Coles platinum rewards card?
Finder
ElizabethNovember 25, 2014Finder
Hi Fred,
Thanks for your question.
There is no cap specified in the Coles Rewards card terms and conditions nor in the terms and conditions of the flybuys program.
I hope this has helped.
Thanks,
Elizabeth
LeeNovember 12, 2014
I have cancelled my card as card was compromised. I have previously set up a nominated account to repay my card. Will it still go thru?
Finder
ElizabethNovember 13, 2014Finder
Hi Lee,
Thanks for your question.
Your account information should remain the same so the payments should still go through, the only thing that would have changed is the card number if you have received a replacement credit card. You may want to check your statement to ensure that your payments have been received as normal.
I hope this has helped.
Thanks,
Elizabeth
HTNovember 6, 2014
which bank’s ATM can I used in sydney without incurring fee charges?
Finder
ElizabethNovember 6, 2014Finder
Hi HT,
Thanks for your question.
There doesn’t appear to be any ATMs that you can withdraw money from your Coles credit card without incurring fees.
I hope this has helped.
Thanks,
Elizabeth
DebOctober 26, 2014
My partner has recently received a no annual fee master card and would like to pay off the balance that has been used on the card (it hasn’t been a month yet), do we need to wait until we receive a statement to do this or can we just pay any amount? What happens to amounts that are not shown on the online service, does this go on the next statement to pay? Is it every 30 days that we receive a statement to pay or the 62? What if you make a mistake with using Bpay? Also if there is a credit limit on the card does it reset every month or stay like that until it is paid? i.e if your limit is $3000 and you have spent $2500 meaning you have only $500 available, will it reset back to $3000 the next month or until you pay the balance? I hope this makes sense. Thank you
Finder
ElizabethOctober 27, 2014Finder
Hi Deb,
Thanks for your questions.
First off, you can make payments at any time on your credit card account. If you have online banking set up you can make your payments through there.
Amounts that aren’t shown on your statement will be shown on your following statement, and you will receive a statement every month.
If you make a mistake using BPAY it will either not go through, or if it does you’ll need to get in contact with your bank to cancel the payment.
The credit limit doesn’t reset every month, basically any balance you have owing on your account is subtracted from your available credit limit and you will not have access to that money until you pay it back. As you said, if your limit is $3,000 and you’ve spent $2,500 you’ll only have access to $500 credit until you repay the remaining $2,500.
I hope this has helped.
Thanks,
Elizabeth
PhilOctober 20, 2014
Hi, just a few questions on the no annual fee Coles credit card. 1.Can i use this card to pay bills such as utilities or phone bills or is it just for purchases? 2.If i pay my balance each time before the 62 days how does Coles make any money by allowing me to have their credit card? 3.I have never used Bpay before, what reference number do i use ? Thank you
Finder
ElizabethOctober 21, 2014Finder
Hi Phil,
Thanks for your question.
First off, you can use this card to pay bills such as utilities and phone bills.
For your second question, it’s important to remember that while you may pay your balance in full each statement period, other cardholders may not pay theirs. So, even if Coles does not make any money by you having a card, they can make money off other people having theirs and not paying their balance off in full (therefore earning interest). Cardholders are able to be as savvy as they want with their spending, so how much money you pay the card issuer with this kind of lower cost card is really up to you.
When you go to make BPAY payments, the relevant biller code and reference number will be listed on the bill you have received.
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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is there a cap to the number of flyby points you can earn per annum with the Coles platinum rewards card?
Hi Fred,
Thanks for your question.
There is no cap specified in the Coles Rewards card terms and conditions nor in the terms and conditions of the flybuys program.
I hope this has helped.
Thanks,
Elizabeth
I have cancelled my card as card was compromised. I have previously set up a nominated account to repay my card. Will it still go thru?
Hi Lee,
Thanks for your question.
Your account information should remain the same so the payments should still go through, the only thing that would have changed is the card number if you have received a replacement credit card. You may want to check your statement to ensure that your payments have been received as normal.
I hope this has helped.
Thanks,
Elizabeth
which bank’s ATM can I used in sydney without incurring fee charges?
Hi HT,
Thanks for your question.
There doesn’t appear to be any ATMs that you can withdraw money from your Coles credit card without incurring fees.
I hope this has helped.
Thanks,
Elizabeth
My partner has recently received a no annual fee master card and would like to pay off the balance that has been used on the card (it hasn’t been a month yet), do we need to wait until we receive a statement to do this or can we just pay any amount? What happens to amounts that are not shown on the online service, does this go on the next statement to pay? Is it every 30 days that we receive a statement to pay or the 62? What if you make a mistake with using Bpay? Also if there is a credit limit on the card does it reset every month or stay like that until it is paid? i.e if your limit is $3000 and you have spent $2500 meaning you have only $500 available, will it reset back to $3000 the next month or until you pay the balance? I hope this makes sense. Thank you
Hi Deb,
Thanks for your questions.
First off, you can make payments at any time on your credit card account. If you have online banking set up you can make your payments through there.
Amounts that aren’t shown on your statement will be shown on your following statement, and you will receive a statement every month.
If you make a mistake using BPAY it will either not go through, or if it does you’ll need to get in contact with your bank to cancel the payment.
The credit limit doesn’t reset every month, basically any balance you have owing on your account is subtracted from your available credit limit and you will not have access to that money until you pay it back. As you said, if your limit is $3,000 and you’ve spent $2,500 you’ll only have access to $500 credit until you repay the remaining $2,500.
I hope this has helped.
Thanks,
Elizabeth
Hi, just a few questions on the no annual fee Coles credit card. 1.Can i use this card to pay bills such as utilities or phone bills or is it just for purchases? 2.If i pay my balance each time before the 62 days how does Coles make any money by allowing me to have their credit card? 3.I have never used Bpay before, what reference number do i use ? Thank you
Hi Phil,
Thanks for your question.
First off, you can use this card to pay bills such as utilities and phone bills.
For your second question, it’s important to remember that while you may pay your balance in full each statement period, other cardholders may not pay theirs. So, even if Coles does not make any money by you having a card, they can make money off other people having theirs and not paying their balance off in full (therefore earning interest). Cardholders are able to be as savvy as they want with their spending, so how much money you pay the card issuer with this kind of lower cost card is really up to you.
When you go to make BPAY payments, the relevant biller code and reference number will be listed on the bill you have received.
I hope this has helped.
Thanks,
Elizabeth