Receive 20,000 Flybuys bonus points when you apply by 31 July 2022, get approved, and spend $3,000 or more on eligible retail purchases within 90 days of approval.
No annual fee ever.
0% p.a. on balance transfers for 12 months. Reverts to cash advance rate of 19.99% p.a.
Pros and cons
Receive 20,000 Flybuys bonus points when you meet the spend criteria.
No annual fee ever.
0% p.a. on balance transfers for 12 months with no fees.
The balance transfer rate reverts to the cash advance rate.
No interest-free days while you have a balance transfer.
Transactions made in a foreign currency incur a fee.
Additional cardholders. Add up to 4 additional cardholders at no extra cost.
Digital wallets. The Coles No Annual Fee Mastercard works with Apple Pay and Samsung Pay, but does not natively support Google Pay.
Gambling transactions. Gambling transactions will not be approved on the Coles No Annual Fee Mastercard.
Rewards and benefits
Complimentary travel insurance. This card does not come with an insurance policy coverering international travel.
Concierge services. This card comes with complimentary access to the Coles concierge service, which is available 24 hours a day, seven days a week from anywhere in the world. The concierge service can help arrange travel, make reservations, check prices, book tickets, make local recommendations, etc.
Insurances. In addition to the Coles Shield fraud monitoring service, this card comes with a complimentary insurance policy covering items purchased using the card against loss, theft, and accidental damage.
Rewards points. Earn 1 Flybuys point per $2 spent. Flybuys points can be redeemed for travel booked with Flybuys Travel, transferred to Velocity Frequent Flyer, or used to shop via the Flybuys online store. Balance transfers, BPAY payments, cash advances, fees and charges do not earn rewards points. All government payments, including ATO tax payments, are exempt from earning points.
Sign up bonus. Receive 20,000 Flybuys bonus points when you apply by 31 July 2022, get approved, and spend $3,000 or more on eligible retail purchases within 90 days of approval.
Rates and fees
Annual fee. This card's annual fee is $0 p.a. ongoing.
Balance transfers. The Coles No Annual Fee Mastercard has an introductory balance transfer offer of 0% p.a. for the first 12 months on balance transfers made within the first 90 days of account opening. Any remaining balance after the introductory offer reverts to the cash advance rate. There is no balance transfer fee.
Cash advances. For transactions classified as a cash advance, you will be charged interest from the day the cash advance is processed at the rate of 19.99% p.a. In addition, a one-off fee will apply per domestic cash advance transaction ($1.95 for transactions less than $65 and 3% for transactions higher than that). A 2.5% fee will be applied to all international cash advances.
Interest-free period. You get 55 days interest-free on purchases with this card when you have paid up the previous statement in full. Interest-free days do not apply if you have made a balance transfer.
Purchases. The Coles No Annual Fee Mastercard does not have any introductory offer for purchases. Purchases will be charged interest of 19.99% p.a. until they've been paid off.
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