Coles Financial Services

The Coles Difference

Coles Financial Services is here to give you a real alternative to the big banks.
We love finding new ways to help our customers manage their everyday finances.

Simply great service

Terms & conditions

*New customers who apply and are approved for a Coles No Annual Fee MasterCard between 5 October and 31 December 2016. 0% p.a. on purchases for 15 months applies from the date of card approval. Excludes cash advances and cash equivalents. After 15 months from the date of card approval, interest on purchases for the No Annual Fee MasterCard will be charged at the annual interest rate for purchases, currently 19.99% p.a. Minimum payments are required each month. Paying only the minimum monthly payments will not pay out the balance of your 15 months interest free purchases. Standard fees and charges are payable. Offer cannot be used in conjunction with any other offer and is not available when closing/transferring from another Coles Credit Card. Terms and conditions available at

1 flybuys members collect 1 flybuys point for every dollar spent at Coles Supermarkets. flybuys members with Coles Insurance policies collect +1 EXTRA POINT on each dollar spent at Coles Supermarkets for each policy whenever they scan their flybuys card. Maximum 1,000 EXTRA POINTS per policy per month. flybuys EXTRA POINTS are collected from the date your flybuys membership is linked to your Coles Insurance policy and for the term of the policy. No flybuys EXTRA POINTS will be collected for the month in which your policy terminates. No EXTRA POINTS collected on any third party car insurance policies. Standard flybuys Terms and Conditions apply. flybuys EXTRA POINTS are collected on transaction balance after savings and discounts and excluding gift cards and smoking/tobacco product purchases. Coles means Coles Supermarkets, BI-LO and Coles online only.

2 2,000 flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express, Coles Local and Coles Online. Minimum spend is $10.05 after savings and discounts in one transaction at Coles Supermarkets and BI-LO (excluding smoking/tobacco related product purchases, and all gift cards).

3 Online discount is calculated on and applied to your Coles Insurance premium before the application of any other discount. This discount offer may be withdrawn at any time. Full terms and conditions (PDF, 75kb) 

4 The total number of $10 off redemptions since launch is 9,699,544. This number is correct as of 7 April 2016.

Combine Coles Insurance or Credit Card products to fast track your flybuys rewards.

Fast track my flybuys
an icon showing that you can earn faster flybuys points