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

^ Balance transfer minimum amount is $100. Balance transfer exclusions include credit cards issued outside Australia, other Coles MasterCards and Latitude Financial Services issued credit cards. The special balance transfer rate is valid for 6 months from the date your account is opened on our system. After that time the remaining transferred balance will revert to the standard annual percentage rate for purchases. Standard terms and conditions apply for new transactions. Account must not be in default of your credit contract when the balance transfer is processed. Minimum monthly payments during interest free period apply. Paying only the minimum monthly payment of 2.222% will not pay out your balance transfer within 6 months.

** Awarded to MetLife and Coles Life Insurance in 2015 by Plan for Life, Actuaries and Researchers.

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, Coles Group gift cards and iTunes cards).

3 Online discount and online/flybuys discount are 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 This discount offer may be withdrawn at any time.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