Which bank is Coles Mastercard partnered with?

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.

What Coles credit cards were affected by the Latitude cyber attack?

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.

How do I contact Coles Mastercard?

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.

How do I activate my Coles Mastercard?

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.

How do I make a repayment to my Coles Mastercard?

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. Use the BPAY biller code shown on your statement, and use the account number shown on your latest statement as your customer reference number. Coles has issued cardholders a new account number, which is different from your 16-digit card 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.

How can I change my credit limit?

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.

How do I cancel my card?

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.

Can I get a Coles Visa card?

Coles only offers Mastercard credit cards. But both Mastercard and Visa cards offer worldwide acceptance and similar ways to pay.

Can I use a Coles Mastercard credit card at Woolworths?

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.

Coles Credit Cards 2026: Compare All Options

3.9 (495 reviews) Write a review

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.

Coles Mastercard Credit Card Comparison

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Coles Low Rate Mastercard Flybuys	13.49%	Bonus points N/A	Points per $ spent 0.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 18 months with 3% balance transfer fee, then 20.74%	Annual fee $58	Go to site View details Compare product selectionCompare	loading
Coles No Annual Fee Mastercard Flybuys	21.99%	Bonus points N/A	Points per $ spent 0.5	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 12 months with 5% balance transfer fee, then 21.99%	Annual fee $0	Go to site View details Compare product selectionCompare	loading
Coles Rewards Mastercard Flybuys	21.99%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 12 months with 5% balance transfer fee, then 21.99%	Annual fee $99	Go to site View details Compare product selectionCompare	loading

Find a better credit card

Take our easy quiz and find the right card for you.

Coles scored in the Finder Awards

The Coles No Annual Fee Mastercard was highly commended for Best No Annual Fee Rewards Credit Card in the 2026 Finder Awards.

Full list of 2026 winners

The benefits of getting a credit card with Coles

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 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 Reddy Express (formerly 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. The Coles Credit Cards app has replaced the old Coles Mobile Wallet, and you now log in by connecting your credit card to a Coles account. Flybuys points earned on your card no longer appear on your statement, but you can track them in the rewards summary in the app or 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:

Frequently asked questions

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 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. Use the BPAY biller code shown on your statement, and use the account number shown on your latest statement as your customer reference number. Coles has issued cardholders a new account number, which is different from your 16-digit card 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.

Compare other products from Coles

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Coles credit card contact details
2. Coles Credit Card Instalment Plans

Thank you for your feedback!

Written by

Amy Bradney-George

Journalist

Add to Preferred Sources

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. See full bio

Amy's expertise

Amy has written 425 Finder guides across topics including:

Credit cards
Frequent flyer
Credit score
BNPL
Money management
Sustainability

More resources on Finder

Ask a question

Click here to cancel reply.

Display name

Your email (will not be published)

Your question

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

276 Responses

RichardSeptember 26, 2015

I receive a disability support pension and a Carers pension the thing is I had a car which she was involved in an accident which someone rammed into the back of me. The car is a total lost to me and I need to replace that car with a second hand car. My bank hasn’t got back to me about my personal loan yet. But I am looking at applying for a coles credit card of up to $3,000 to $4,000. and I willing to pay it back over 3 to 4 year period on a fortnightly payments. Can I be able to get it or not?

Finder

JonathanSeptember 29, 2015Finder

Hi Richard, thanks for your inquiry!

Coles generally requires a minimum income after tax income of at least $15,000 p.a. If you meet this requirement are 18 years or older and are an Australian resident or intend to stay in Australia for the next 12 months with visa permission then you will be eligible to apply. Please note that since finder.com.au is a comparison service and not Coles it would be best to contact them directly to inquire further about your approval for this credit card.

Cheers,

Jonathan

RozAugust 26, 2015

Hi,
I want to apply for Coles credit card. However, I have no job and I only have regular foreign income and I receive interest from my 2 saving accounts. I guess if I write that I am unemployed and I have foreign income, my application would be rejected. So, I would like to know if I write in my application that I work and write my foreign income and interest in the income space from my job, will you check if I really work here or you only check my income. It might worth to tell you that I have had my flybuys card for 4 years and I have been a very good shopper from coles!
It might be a silly question, but I really want to know how a person like me with very good income can have a credit card.
Thank you.
Roz

Finder

JonathanAugust 27, 2015Finder

Hi Roz,

Thanks for your inquiry.

If your employment status is other than employed e.g. self-employed, seasonal, contractor, part-time or other, and are earning other forms of income then you can fill these details in on the application form. The minimum earning requirements are available on our Coles credit card review pages. Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.

Cheers,
Jonathan

JamnadasAugust 24, 2015

I applied for credit card about 2-3 weeks ago, please advise me what is happening ?

Finder

JonathanAugust 24, 2015Finder

Hi Jamnadas, thanks for your inquiry!

Please note that you have reached finder.com.au and not Coles MasterCard. I have sent the contact details to your email to allow you to inquire further into your application status.

Cheers,

Jonathan

DebsJuly 15, 2015

If I pay for a holiday with a Cole credit card will my holiday be insured?

Finder

JonathanJuly 16, 2015Finder

Hi Debs,

Thanks for your question.

The Coles MasterCard credit cards do not provide complimentary travel insurance. However, you will be provided with Merchandise Protection Insurance, which protects the items you buy with your card in case they are lost, stolen, or damaged. You may also compare credit cards that include complimentary insurance. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

I hope this answers your question.

Thanks,
Jonathan

MiaJune 25, 2015

Hi, I have never had a credit card before but now I’m considering to make one to build up credit score to prepare for buying a house in the near future. In my case which credit card do you recommend? I normally shop at Coles store and I’m pretty good at paying a bill on due date.

Finder

JonathanJune 25, 2015Finder

Hi Mia,

Thanks for your inquiry.

The type of credit card will vary depending on your individual needs and spending requirements. You may like to refer to low-interest rate credit cards which provide flexibility and convenience to spend and make purchases on your card whilst taking advantage of low-interest repayments.

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.

Cheers,
Jonathan

Coles Mastercard Credit Cards

Compare Flybuys rewards, low rate and no annual fee credit cards from Coles Mastercard – with customer reviews.