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

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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

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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

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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

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276 Responses

kevinMay 28, 2015

Can I use my Coles Rewards MasterCard overseas (Europe) and are there additional charges?

Finder

sally.mcmullen@hiveempire.comMay 29, 2015Finder

Hi Kevin,

Thank you for your question.

You can use your Coles Rewards MasterCard anywhere MasterCard is accepted overseas, but you will incur some charges.

Each time you make a withdrawal from an ATM outside Australia, you will incur an International ATM fee of $4 in addition to the cash advance fee. You will also be charged an International (OTC) fee of $5 in addition to the cash advance each time you withdraw cash outside Australia via an over the counter transaction. There is also an International transaction fee of 2.5% on all purchases and cash which will be charged when you obtain funds or make a purchase in a foreign currency.

You can view a full list of the rates and fees of the Coles Rewards MasterCard on the Coles Credit Cards website.

I hope this has answered your question.

Thanks,

Sally

JudyMay 27, 2015

I am not using my Coles Mastercard and would like to close this account how do I do this?

Finder

JonathanMay 27, 2015Finder

Hi Judy, thanks for your inquiry!

Please refer to the contact details I have sent to your email for Coles MasterCard.

Cheers,

Jonathan

BobMay 22, 2015

Do fee free Coles credit cards have.free payment periods

Finder

ElizabethMay 25, 2015Finder

Hi Bob,

Thanks for your question.

The No Annual Fee MasterCard is currently offering 0% for six months on balance transfers and up to 62 interest-free days on purchases. You can read more about the card from our review of the Coles No Annual Fee Mastercard. 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 has helped.

Thanks,
Elizabeth

KristinaMay 22, 2015

Hi, How do I use my $100 off deal with coles after I get my coles/credit card.

Finder

sally.mcmullen@hiveempire.comMay 22, 2015Finder

Hi Kristina,

Thank you for your question.

As out lined in the terms and conditions, the Offer will be activated on your flybuys account and available for use within 3 weeks of your card approval date. This offer will be activated on the flybuys card nominated in the application process. To redeem the offer you must scan your flybuys card for a minimum spend of $100.05 after savings and discounts in one transaction at Coles Supermarkets and Bi-Lo (excluding smoking/tobacco product purchases, Coles Group gift cards and iTunes cards).

I hope this answered your question.

Thanks,

Sally

HienJune 4, 2015

I called many times to Coles Master Card staff about the 100$ offer. I applied and got approval late April and have tried the to redeem 100$ twice but no offer after scanning minimum 100.5$ of my purchase.
A supervisor confirmed 100$ has been offer and asked me to login to flybuys to see – I logged in – no offer at all – tried again – nothing.
It wasted of time and I don’t want to shop and return all back. How can I know the offer available on my flybuys account, please..

Finder

sally.mcmullen@hiveempire.comJune 5, 2015Finder

Hi Hien,

Thank you for your question and we’re sorry to hear that you’ve had trouble accessing your Coles MasterCard $100 bonus offer.

Just to confirm, have you been scanning your Coles MasterCard or flybuys card? The terms and conditions state that you need to scan your flybuys card to redeem the $100 worth of points, so if you’ve only been using your Coles MasterCard, that could be the issue.

However, if you have done this and followed the instructions listed in the promotion Terms and Conditions, there may be a technical glitch that is prohibiting you from accessing your points. If you continue to experience issues accessing your points, we would suggest that you contact the Coles MasterCard customer service team again and explain that you have followed the necessary steps and still can’t access your points.

I hope this has answered your question.

Thanks,

Sally

AriJuly 14, 2015

Hi, Seems like I have the same issue as “Hien | June 4, 2015”, but I think my problem might be that the $100 HASN’T been loaded onto my flybuys account because I’m might not be classified as a NEW CUSTOMER? I used to be an ‘additional card holder’ on my friend’s account. Now I have applied to be the Main account holder. It’s the first time I have applied and been approved for an account of my own. Would this have stopped me from being classified as a NEW CUSTOMER? Otherwise I can’t see why each time I spend over $100 I am not receiving my discount…. Looks like I may have applied for the card for nothing.

Finder

JonathanJuly 15, 2015Finder

Hi Ari, thanks for your inquiry!

Please note that finder.com.au is a comparison service and is not directly involved in Coles MasterCard’s application process and the $100 offer. However, the $100 should have been directly debited to your flybuys account. You may wish to log onto your flybuys account to ensure if the points have been debited in your account. The $100 off can only be used once and expires on 30th October 2015. If the points haven’t appeared on your account, we would suggest that you get in contact with Coles MasterCard customer service team again to directly to resolve the issue.

I hope this has helped.

Cheers,

Jonathan

GiovanniMay 18, 2015

I got a Platinum Coles Mastercard and I intend to go to Europe ; am I entitled for free travel insurance?

Finder

JonathanMay 18, 2015Finder

Hi Giovanni,

Thanks for your inquiry.

The Coles MasterCard Platinum does not come with complimentary travel insurance. Please refer to the following link for a list of cards that include complimentary travel insurance.

Please make sure to read the eligibility criteria, features, and details of the policy/card, 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.

Cheers,
Jonathan

Coles Mastercard Credit Cards

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