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 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.
See full bio
Amy's expertise
Amy
has written
471
Finder guides across topics including:
Hi
How do I redeem $100 off for credit master card promotion offer? Today I didn’t get any redeem $100 off even though I purchase more than 100 dollars at single transaction after approval card. I didn’t ask the staff at that time and I thought $100 will be put into my credit card later. Do I still get this offer even though I paid already? I still have receipt to prove my purchase.
Finder
JonathanMay 12, 2015Finder
Hi Pan, thanks for your inquiry!
As per 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 only be activated on the flybuys card quoted 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).”
Cheers,
Jonathan
PanMay 12, 2015
It has been 2 weeks already after master card approval on 29th April. I still didn’t get flybuy account offer activation so far. I got only one week left to purchase. Can you tell me where to go to activate this offer. I didn’t see any in my email and account. Thanks
Finder
JonathanMay 13, 2015Finder
Hi Pan, thanks for your inquiry!
As per 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 only be activated on the flybuys card quoted 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).”
Cheers,
Jonathan
margMay 10, 2015
Thinking about a Credit card for overseas travel. Can I use Coles Mastercard overseas?
Finder
JonathanMay 11, 2015Finder
Hi Marg, thanks for your inquiry!
Coles MasterCard’s can be used at any ATM/ cash facility with the MasterCard logo/ accepts MasterCard.
Cheers,
Jonathan
SKMay 7, 2015
I have just received my Coles Platinum Master Card. However, I can not find any information of the Promotion on “$100 off a single Coles Supermarket shop”?
Thanks and regards,
Finder
JonathanMay 7, 2015Finder
Hi SK, thanks for your inquiry!
Please refer to the Coles website link I have sent to your email for verification of this promotion.
Cheers,
Jonathan
JohnApril 24, 2015
RE Coles $0 fee Master Card: What is the minimum monthly repayment percentage ??
Finder
JonathanApril 28, 2015Finder
Hi John, thank you for your inquiry!
The minimum monthly repayment for this card is the greater of 2.22% or $10.
Cheers,
Jonathan
Mrs.April 21, 2015
I have no further use for my Coles Mastercard. How do I close the account off permanently?
Finder
JonathanApril 21, 2015Finder
Hi Mrs Carne, thanks for your inquiry!
Closing your account off permanently can be completed by contacting Coles MasterCard directly. Please refer to the contact details I have sent to your email.
Cheers,
Jonathan
JemimaApril 21, 2015
Can you please e-mail me details on how to close my Coles Mastercard account? Thanks!
Finder
JonathanApril 21, 2015Finder
Hi Jemima, thanks for your inquiry!
Please refer to the email I have sent containing the details on how to close your Coles MasterCard account.
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?
Important information about this website
Finder is a comparison service. We do not compare every product or every provider in the market.
We make money through commercial arrangements with some of the providers on this site. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement.
Our editorial content, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements.
The default order of products in our tables can be influenced by commercial arrangements. You can re-sort or filter using the controls above each table.
Some content on this site may be generated or supported by AI tools. You should verify details directly with the provider.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
Our comparison service does not include every product or every provider in the market. Some product issuers offer their products under multiple brands or through associated companies. Where we can, we identify the underlying issuer so you can compare like with like, but you should always check with the provider directly to confirm which brand you are dealing with.
Finder is a comparison website and an intermediary. We are not a product issuer and we do not provide personal financial or credit advice. When you click a link to a product, or apply for a product through our site, you deal directly with the product issuer. We may receive a referral fee, commission or other payment from the issuer if you click through, apply or take out a product. We describe these arrangements in more detail under 'How we make money' below.
Product features, fees, terms and eligibility criteria are set by the product issuer and may change. We rely on information supplied by issuers when we present product details on our site. Before you apply for or take out any product, you should confirm the details directly with the issuer.
We earn revenue from Finder in four principal ways:
Referral fees and commissions. When you click a product link, complete an enquiry form or apply for a product through our site, we may receive a referral fee, commission or other payment from the product issuer. We may also receive payment based on the volume of leads or conversions we send to an issuer.
Sponsored placements. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement between Finder and the issuer. These labels always indicate a paid placement. We do not use them for editorial choices.
Display advertising. Banner advertising, newsletter advertising and similar display ads on our site are paid by advertisers.
Content sponsorship. Some articles, videos and social media posts are sponsored by an issuer and are clearly labelled as such.
Our editorial opinions, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements. A 'Top Pick' is an editorial choice made by our writers and editors based on the criteria described on each comparison page. A 'Top Pick' is not a personal recommendation and does not mean the product is appropriate for your circumstances.
If you would like to know whether we have a commercial arrangement with a specific product issuer, please contact us.
When products are grouped in a table or list, the default order can be influenced by commercial arrangements we have with product issuers. In some categories, sponsored or featured products appear in the top positions of the table by default, and are always labelled as such.
Other factors that influence default order include price, fees and features, and (where relevant) our editorial view of the product.
You can re-sort every comparison table using the controls above the table. You can filter by product features that matter to you. The order you see after re-sorting or filtering is not influenced by commercial arrangements.
Some content on this site is generated or supported by artificial intelligence tools, including our AI-powered assistant FinderBot. AI-generated content may contain errors. Please verify important information directly with the product issuer before making a financial decision. For more information about FinderBot, see the FinderBot Terms of Use and FinderBot Privacy Collection Notice.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Hi
How do I redeem $100 off for credit master card promotion offer? Today I didn’t get any redeem $100 off even though I purchase more than 100 dollars at single transaction after approval card. I didn’t ask the staff at that time and I thought $100 will be put into my credit card later. Do I still get this offer even though I paid already? I still have receipt to prove my purchase.
Hi Pan, thanks for your inquiry!
As per 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 only be activated on the flybuys card quoted 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).”
Cheers,
Jonathan
It has been 2 weeks already after master card approval on 29th April. I still didn’t get flybuy account offer activation so far. I got only one week left to purchase. Can you tell me where to go to activate this offer. I didn’t see any in my email and account. Thanks
Hi Pan, thanks for your inquiry!
As per 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 only be activated on the flybuys card quoted 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).”
Cheers,
Jonathan
Thinking about a Credit card for overseas travel. Can I use Coles Mastercard overseas?
Hi Marg, thanks for your inquiry!
Coles MasterCard’s can be used at any ATM/ cash facility with the MasterCard logo/ accepts MasterCard.
Cheers,
Jonathan
I have just received my Coles Platinum Master Card. However, I can not find any information of the Promotion on “$100 off a single Coles Supermarket shop”?
Thanks and regards,
Hi SK, thanks for your inquiry!
Please refer to the Coles website link I have sent to your email for verification of this promotion.
Cheers,
Jonathan
RE Coles $0 fee Master Card: What is the minimum monthly repayment percentage ??
Hi John, thank you for your inquiry!
The minimum monthly repayment for this card is the greater of 2.22% or $10.
Cheers,
Jonathan
I have no further use for my Coles Mastercard. How do I close the account off permanently?
Hi Mrs Carne, thanks for your inquiry!
Closing your account off permanently can be completed by contacting Coles MasterCard directly. Please refer to the contact details I have sent to your email.
Cheers,
Jonathan
Can you please e-mail me details on how to close my Coles Mastercard account? Thanks!
Hi Jemima, thanks for your inquiry!
Please refer to the email I have sent containing the details on how to close your Coles MasterCard account.
Cheers,
Jonathan