Coles No Annual Fee Mastercard

The basics

• Additional cardholders. Add up to 4 additional cardholders at no extra cost.
• Digital wallets. The Coles No Annual Fee Mastercard works with Apple Pay, Google Pay, and Samsung 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 covering 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 January 2024, 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.
• Foreign exchange fee. Any transaction made in a foreign currency is charged a 2.5% fee. A number of alternative cards have no fees on international transactions.
• 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. There is no introductory purchase rate for this card at the moment. All purchases will get a standard interest rate of 19.99% p.a.