Coles

Coles credit cards

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Apply by 5 November 2024

Coles Low Rate Mastercard

Highlights

0% per annum (p.a.) for balance transfers spanning 15 months. Afterward, it reverts to the cash advance rate of 20.74% p.a.
Enjoy a modest annual fee of $58 p.a.
Earn 1 Flybuys Point for every $2 spent at Coles Supermarkets.

Pros

0% p.a. on balance transfers for 15 months.
Complimentary access to your 24/7 local concierge.
Interest-free for up to 55 days.

Cons

There is a 1.5% balance transfer fee.
You can only earn Flybuys points at Coles Supermarkets.
No interest-free days while you have a balance transfer.

Apply by 30 September 2024

Coles No Annual Fee Mastercard

Highlights

Enjoy 10,000 Flybuys bonus points when you spend $3,000 on eligible purchases within 3 months from card approval.
No annual fee, guaranteed.
Earn 1 Flybuys point per $2 spent on qualifying purchases.

Pros

Earn 10,000 Flybuy points when you meet the criteria.
No annual fee ever.
Complimentary access to your 24/7 local concierge.

Cons

Transactions made in a foreign currency incur a fee.

Apply by 5 November 2024

Coles Rewards Mastercard

Highlights

Receive 50,000 Flybuys bonus points upon spending $3,000 or more on eligible purchases within 90 days of approval. Terms and Conditions apply.
Earn 2 points per $1 on eligible spend—this is in addition to the regular Flybuys Points earned from other partners.
Pay $0 in international transaction fees for purchases made online or overseas.

Pros

Get 50,000 Flybuys bonus points when you meet the criteria.
Collect 2 points per $1 on eligible spend – that’s on top of the usual flybuys points from other partners.
Access to the Coles concierge service.

Cons

The annual fee of $99 p.a.
No international travel insurance.

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Q&As

Why should I choose Coles?

The Coles Mastercard provides membership to Coles Group’s flybuys rewards, which is Australia’s biggest shopping loyalty program. With a Coles credit card you have an opportunity to save money on everyday groceries by earning points for rewards and discounts while you spend. If you shop regularly at Coles Supermarkets or any of the other companies participating in the flybuys program you can start saving money by spending with a Coles credit card that earns flybuys points, reducing your everyday expenditure and enjoy other rewards and benefits.