Coles Mastercard Credit Cards

Coles Mastercard Credit Card Comparison

Updated regularly

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Coles Low Rate Mastercard Flybuys	Purchase rate p.a. 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 12 months with 3% balance transfer fee, then 20.74%	Annual fee $58	Save with a 0% p.a. on balance transfers for the first 12 months (with a 3% fee).	ContinueMore info Compare product selection Compare	loading
Coles No Annual Fee Mastercard Flybuys	Purchase rate p.a. 20.74%	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 20.74%	Annual fee $0	Offers 0% p.a. on balance transfers for 12 months (with a 5% fee), $0 annual fee, and 0.5 Flybuys points per $1 on eligible spending.	ContinueMore info Compare product selection Compare	loading
Coles Rewards Mastercard Flybuys	Purchase rate p.a. 20.74%	Bonus points N/A	Points per $ spent 2	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. 0% for 12 months with 5% balance transfer fee, then 20.74%	Annual fee $99	Get a 0% balance transfer offer for the first 12 months (with a 5% fee) and a $250 Coles gift card.	ContinueMore info Compare product selection Compare	loading

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How we picked these

Congratulations, Coles!

The Coles No Annual Fee Mastercard was highly commended for Best No Annual Fee Rewards Credit Card in the 2025 Finder Awards.

Full list of 2025 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 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.

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:

• Kogan Money Credit Cards
• humm credit cards
• Latitude credit cards

Frequently asked questions

• 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. 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.

• 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.

Written by

Amy Bradney-George

Journalist

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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