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 only who apply and are approved for a Coles Credit Card between 4 January and 28 February 2017 and make a purchase (excludes cash advances and cash equivalents) within the first 30 days of the card approval date will receive $100 off a single Coles Supermarket shop. $100 off will be activated on your flybuys account and available for use within 2 weeks of your first eligible purchase. $100 off will only be activated on the flybuys card quoted in the application process. To redeem the $100 off you must scan your flybuys barcode on the back of your new Coles MasterCard and spend a minimum spend of $100.05 after savings and discounts in one transaction at Coles Supermarkets or BI-LO (excluding smoking/tobacco product purchases and all gift cards). $100 off can only be used once and expires on 31 May 2017. Excludes Coles Express and Coles Online. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International. Credit facility provided by Wesfarmers Finance Pty Ltd (ABN 58 601 282 455), Australian Credit Licence number 470916.

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