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 2026 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 greater of $25 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 want to apply for a new card with no annul fee. Can i get a points on all purchases? Thanks.
Finder
JacobJune 30, 2013Finder
Hi Rajwinder. If you’re interested in applying for one of the cards listed on our site, please click enquire now / apply to be directed to a secure online application. You can read what you’ll need to apply on the card’s review page. Coles do have a product that rewards customer spending with flybuys points. All eligible purchases will earn points – these includes things like your general everyday spending but doesn’t include things like cash advances. I hope this helps, please let us know if you have any more questions. Jacob.
VeraJune 26, 2013
My husband already owns a Coles MasterCard, can I get added on the same card or do I need to apply for my own
Finder
JacobJune 27, 2013Finder
Hi Vera. You can become a supplementary cardholder by filling out the additional cardholder request form and faxing it in to the lender – you can find this document online. Additional cards have a unique number and your name on the front. The credit limit is shared between the primary and additional cardholder. Thanks for your question. Jacob.
RichardJune 5, 2013
What’s the deal with the ‘new’ credit card mentioned on Today Tonight on 4th June. I already have a ‘no annual fee’ Coles Platinum MasterCard and only get fly-buys points at Coles and Coles partner stores. Do I need to apply for a new ‘no annual fee’ card to get points on all purchases?
Finder
JacobJune 5, 2013Finder
Hi Richard. Thanks for your question. If you’re an existing holder of the Coles MasterCard (no annual fee + flybuys points at flybuys bonus partners), this new card does not replace your old card. The new No Annual Fee MasterCard allows cardholders to earn points where every they spend, but to be eligible for this offer, you will need to apply for this card. Jacob.
hendryMay 6, 2013
hi just wondering i have been in australia for nearly a year can i apply for a coles credit card.
Finder
JacobMay 7, 2013Finder
Hi Hendry. Thanks for your question. It depends on how long you plan to stay for and why you’re here. Some non-permanent residents who have a 457 Visa can apply for some cards. This card is available to temporary residents, conditions will apply though. Jacob.
nicoleApril 30, 2013
Good Morning,
I was just wondering if I am able to be accepted for a Coles Credit Card if I have a default on my phone bill? I am scared to apply as I know this can affect my credit rating. My phone is almost paid off.
Any advice would be wonderful thanks in advance!
Finder
JacobApril 30, 2013Finder
Hi Nicole,
Thanks for your question.
If you are worried about your credit file, you may refer to our guide about credit files. This will let you see exactly what the lender can see when you apply for credit. If you have had a credit misadventure in the past, it is advised that you speak to a lender in person. Generally, credit card applications that happen face to face are a little more flexible than the online counterpart. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
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 40,000 bonus Flybuys points and a 0% balance transfer offer – so what are its other features like?
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I want to apply for a new card with no annul fee. Can i get a points on all purchases? Thanks.
Hi Rajwinder. If you’re interested in applying for one of the cards listed on our site, please click enquire now / apply to be directed to a secure online application. You can read what you’ll need to apply on the card’s review page. Coles do have a product that rewards customer spending with flybuys points. All eligible purchases will earn points – these includes things like your general everyday spending but doesn’t include things like cash advances. I hope this helps, please let us know if you have any more questions. Jacob.
My husband already owns a Coles MasterCard, can I get added on the same card or do I need to apply for my own
Hi Vera. You can become a supplementary cardholder by filling out the additional cardholder request form and faxing it in to the lender – you can find this document online. Additional cards have a unique number and your name on the front. The credit limit is shared between the primary and additional cardholder. Thanks for your question. Jacob.
What’s the deal with the ‘new’ credit card mentioned on Today Tonight on 4th June. I already have a ‘no annual fee’ Coles Platinum MasterCard and only get fly-buys points at Coles and Coles partner stores. Do I need to apply for a new ‘no annual fee’ card to get points on all purchases?
Hi Richard. Thanks for your question. If you’re an existing holder of the Coles MasterCard (no annual fee + flybuys points at flybuys bonus partners), this new card does not replace your old card. The new No Annual Fee MasterCard allows cardholders to earn points where every they spend, but to be eligible for this offer, you will need to apply for this card. Jacob.
hi just wondering i have been in australia for nearly a year can i apply for a coles credit card.
Hi Hendry. Thanks for your question. It depends on how long you plan to stay for and why you’re here. Some non-permanent residents who have a 457 Visa can apply for some cards. This card is available to temporary residents, conditions will apply though. Jacob.
Good Morning,
I was just wondering if I am able to be accepted for a Coles Credit Card if I have a default on my phone bill? I am scared to apply as I know this can affect my credit rating. My phone is almost paid off.
Any advice would be wonderful thanks in advance!
Hi Nicole,
Thanks for your question.
If you are worried about your credit file, you may refer to our guide about credit files. This will let you see exactly what the lender can see when you apply for credit. If you have had a credit misadventure in the past, it is advised that you speak to a lender in person. Generally, credit card applications that happen face to face are a little more flexible than the online counterpart. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
I hope this helps.
Cheers,
Jacob