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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Can you pay your Coles Mastercard off using flybuys points?
Finder
JacobSeptember 2, 2013Finder
Hi Janet.
You can’t redeem your flybuys points for money off your credit card, but you can turn your flybuys points into flybuys dollars, which you can use towards your next purchase at select stores.
Thanks for your question.
Jacob.
JoeAugust 17, 2013
Do you send statements and how do I find out how much I have spent before a statement arrives? Is there a bank I can pay my card?
Finder
JacobAugust 19, 2013Finder
Hi Joe.
You can view your transaction history through the Coles Online Banking facility. Log in to the Coles MasterCard website to track your spending, manage rewards points balance, make payments and manage your account. You will need to register your card for online banking after you receive it.
You will also get monthly credit card statement sent you in the mail. There may be a fee for receiving paper statements; however, you can elect to receive paperless statements from the lender, which don’t cost you anything.
If you’re looking to pay your credit card, you can do it in the following ways: At Australia Post, by sending a cheque in the mail, over the counter at any Kmart and Target Stores, by direct debit from a savings or transaction account or by BPAY from another account.
Thanks for your question.
LisaJuly 25, 2013
Just applied for Coles Mastercard and was declined, what are your acceptance guidelines, criteria. Own home no mortgage no other debts, no other credit cards no children and still can’t get a credit cards, what hope is there for everyone else.
JamieFebruary 8, 2014
Lisa,
I was declined too – no reason stated.
Not happy Jan.
Talk about a good way to lose customers.
“We’re sorry, but based on the information you’ve provided, we’re unable to offer you a Coles MasterCard, as your application doesn’t fall within our current acceptance guidelines.”
Finder
JacobJuly 25, 2013Finder
Hi Lisa,
Thanks for your question.
There’s a condition on the Westpac application page that states that it helps if you are the primary income earner – this may have been an issue but in our experience, this should have no bearing on the status of your application if you meet the minimum income requirements.
It may also be the case that the wrong information was entered into the system and they have declined your application due to incorrect details, you should follow them up to make sure that everything is correct. You may a;also refer to our guide on how to check your credit card application status that may be helpful for you.
I hope this helps.
Cheers,
Jacob
LionelJuly 11, 2013
Thank you for the opportunity to ask a question.
The “no fee” Master Card sounds as though it would meet my needs.
How would I cancel my existing “Holden” Master Card and how would I arrange for existing arrangements for monthly payments of E-Tag and newspaper to continue?
Thank you.
Lionel.
Finder
JacobJuly 11, 2013Finder
Hi Lionel. Thanks for your question and the pleasure is all ours.
To cancel you old credit card, all you need to do is make sure the account has been paid in full and then you’ll need to contact your lender and request that they cancel your card. This can be done over the phone.
You will need to contact the merchants you currently have a direct debit agreement and get them to change your billing information. This can be done over the phone too. To set up new direct debit agreements, you’ll need to download a direct debit request form, you can find this document on the lender’s website.
I hope this has helped.
Jacob.
BernieJuly 10, 2013
I have applied for a credit card, could you please let me know the current status of my application?
Finder
JacobJuly 10, 2013Finder
Hi Bernie,
Thanks for your question.
You should have an answer within minutes of completing your application. Please contact the card issuer directly to check on the status of your credit card application. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.
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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Can you pay your Coles Mastercard off using flybuys points?
Hi Janet.
You can’t redeem your flybuys points for money off your credit card, but you can turn your flybuys points into flybuys dollars, which you can use towards your next purchase at select stores.
Thanks for your question.
Jacob.
Do you send statements and how do I find out how much I have spent before a statement arrives? Is there a bank I can pay my card?
Hi Joe.
You can view your transaction history through the Coles Online Banking facility. Log in to the Coles MasterCard website to track your spending, manage rewards points balance, make payments and manage your account. You will need to register your card for online banking after you receive it.
You will also get monthly credit card statement sent you in the mail. There may be a fee for receiving paper statements; however, you can elect to receive paperless statements from the lender, which don’t cost you anything.
If you’re looking to pay your credit card, you can do it in the following ways: At Australia Post, by sending a cheque in the mail, over the counter at any Kmart and Target Stores, by direct debit from a savings or transaction account or by BPAY from another account.
Thanks for your question.
Just applied for Coles Mastercard and was declined, what are your acceptance guidelines, criteria. Own home no mortgage no other debts, no other credit cards no children and still can’t get a credit cards, what hope is there for everyone else.
Lisa,
I was declined too – no reason stated.
Not happy Jan.
Talk about a good way to lose customers.
“We’re sorry, but based on the information you’ve provided, we’re unable to offer you a Coles MasterCard, as your application doesn’t fall within our current acceptance guidelines.”
Hi Lisa,
Thanks for your question.
There’s a condition on the Westpac application page that states that it helps if you are the primary income earner – this may have been an issue but in our experience, this should have no bearing on the status of your application if you meet the minimum income requirements.
It may also be the case that the wrong information was entered into the system and they have declined your application due to incorrect details, you should follow them up to make sure that everything is correct. You may a;also refer to our guide on how to check your credit card application status that may be helpful for you.
I hope this helps.
Cheers,
Jacob
Thank you for the opportunity to ask a question.
The “no fee” Master Card sounds as though it would meet my needs.
How would I cancel my existing “Holden” Master Card and how would I arrange for existing arrangements for monthly payments of E-Tag and newspaper to continue?
Thank you.
Lionel.
Hi Lionel. Thanks for your question and the pleasure is all ours.
To cancel you old credit card, all you need to do is make sure the account has been paid in full and then you’ll need to contact your lender and request that they cancel your card. This can be done over the phone.
You will need to contact the merchants you currently have a direct debit agreement and get them to change your billing information. This can be done over the phone too. To set up new direct debit agreements, you’ll need to download a direct debit request form, you can find this document on the lender’s website.
I hope this has helped.
Jacob.
I have applied for a credit card, could you please let me know the current status of my application?
Hi Bernie,
Thanks for your question.
You should have an answer within minutes of completing your application. Please contact the card issuer directly to check on the status of your credit card application. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.
I hope this helps.
Cheers,
Jacob