Get 50,000 Flybuys bonus points when you spend $3,000 or more on eligible purchases within 90 days of approval. Terms and Conditions apply.
Enjoy 0% p.a. on balance transfer for 12 months. Reverts to the cash advance rate of 19.99% p.a.
Collect 2 points per $1 on eligible spend – that’s on top of the usual Flybuys Points from other partners.
$0 international transaction fees for purchases made online or overseas.
Pros and cons
Get 50,000 Flybuys bonus points when you meet the criteria.
12 months at 0% p.a. for balance transfers.
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.
The annual fee of $99 p.a.
No international travel insurance.
Rates and fees
Additional cardholders. Add up to 4 additional cardholders for friends and family at no extra cost.
Digital wallets. The Coles Rewards Mastercard works with Apple Pay, Google Pay, and Samsung Pay.
Gambling transactions. Coles does not allow their cards to be used for transactions related to gambling.
Rewards and benefits
Complimentary travel insurance. This card does not come with complimentary international travel insurance.
Concierge services. The Coles Rewards Mastercard has access to a 24 / 7 concierge service. Cardholders can use the concierge to book tickets, get help with travel arrangements, compare prices, and more.
Insurances. Eligible purchases bought using this card are covered with a complimentary insurance policy against loss, theft, and accidental damage.
Rewards points. Earn 2 Flybuys Points everywhere Mastercard is accepted up to and including $3,000 in each statement period. The earn rate drops to 1 Flybuys Point per $1 thereafter. Earn up to 3 Flybuys Points for every $1 spent on all Coles shopping. Balance transfers, BPAY payments, cash advances, fees, and purchases of a foreign currency or travellers cheques will not earn points. Government-related transactions, including payments to the ATO, do not earn rewards points.
Sign-up bonus. Coles will reward you with 50,000 Flybuys bonus points when you apply for Coles Rewards Mastercard by 31 October 2023, get approved, and spend $3,000 or more on eligible purchases within 90 days of approval.
Rates and fees
Annual fee. The annual fee for this card is $99 p.a.
Balance transfers. The current balance transfer offer for the Coles Rewards Mastercard is 0% p.a. for 12 months, applicable on balance transfers completed within 90 days of card approval. Any balance remaining after the introductory period ends will revert to the cash advance rate.
Cash advances. The Coles Rewards Mastercard charges 19.99% p.a. on cash advances with a $1.95 fee per transaction amount under $65.00, and 3.00% of the transaction amount for any transaction equal to or over $65.00. International cash advances will be charged a $5 fee.
Foreign exchange fee. Foreign exchange fees do not apply to retail purchases. However, cash advances in a foreign currency or made outside of Australia will incur a 2.5% fee.
Interest-free period. Pay the balance due on your Coles Rewards Mastercard account each month by the due date and you'll have 55 days interest-free on eligible purchases. As usual, the interest-free period doesn't apply to cash advances or balance transfers.
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.
This product has not been reviewed yet. Click here to write your review and help others make a better decision.
At Finty we want to help you make informed financial decisions. We do this by providing a free comparison service as well as product reviews from our editorial staff.
Some of the products and services listed on our website are from partners who compensate us. This may influence which products we compare and the pages they are listed on. Partners have no influence over our editorial staff.
Disclaimer: You need to be logged in to claim Finty Rewards. If you proceed without logging in, you will not be able to claim Finty Rewards at a later time. In order for your rewards to be paid, you must submit your claim within 45 days. Please refer to our T&Cs for more information.