Great value credit cards that reward you with discounts on your shopping.

No annual fee, low rate or faster flybuys points.

Rewards

image of Coles rewards mastercard

Offer: 0% interest on balance transfers for 6 months*
If you're approved for your first Coles MasterCard.

Included $89 annual fee.
Included Collect 2 points for every dollar you spend. Everywhere, every day.1
Included No international transaction fees on purchases.

Included $10 off your Coles supermarket shop instantly at the checkout with 2000 flybuys points.2
Included Protected by the Coles Shield Coles Shield - protection against fraud

No Annual Fee

an image of the Coles no annual fee mastercard

Offer: 0% interest on balance transfers for 6 months*
If you're approved for your first Coles MasterCard.

Included NO annual fee ever.
Included Collect 1 point for every $2 you spend. Everywhere, every day.1
Included $10 off your Coles supermarket shop instantly at the checkout with 2000 flybuys points.2
Included Free delivery at Coles online with your Coles Credit Card.3
Included Protected by the Coles Shield Coles Shield - protection against fraud

Low Rate

Image of Low Rate MasterCard

Offer: 9.99% p.a.^
Get an everyday low rate of 9.99% p.a. on purchases & 19.99% p.a. on cash advances.

Included Low $49 annual fee.
Included Collect 1 point for every $2 you spend in Coles Supermarkets.1
Included $10 off your Coles supermarket shop instantly at the checkout with 2000 flybuys points.2
Included Free delivery at Coles online with your Coles Credit Card.3
Included Protected by the Coles Shield Coles Shield - protection against fraud
screenshot of mobile wallet app

Coles Mobile Wallet

The smart way to pay that’s quick, secure, and simple to use. Plus, it’s free. 
Keep track of your balance and transactions in real time with the easy to use app. 
Plus, it’s Australia’s first credit card app that lets you keep track of your flybuys points balance and activate your flybuys offers.

Get Mobile Wallet  Find out more

The Coles Difference

Great value credit cards that reward you with discounts on your shopping.

Award-winning value

We're proud of the awards our credit cards have won.

Coles Shield - protection against fraud

Feel safe that you're protected by the Coles Shield anytime, anywhere.

Three layers of defence against credit card fraud and theft:

1. TECHNOLOGY
  IncludedThe Falcon™ fraud management system identifies unusual activity on your card and alerts our security experts.
2. ACTION
  IncludedWe're available 24/7, 365 days a year, worldwide to report fraud or lost and stolen cards.
3. RELIABILITY
 

IncludedMasterCard® Zero Liability Guarantee protects you from fraudulent or unauthorised transactions made using your card.

> Find out more

flybuys

an image representing Flybuys members get a discount when you buy online As a member of flybuys, you are a member of Australia’s most popular loyalty program.
Membership is free, and flybuys work with some of the largest household names to bring you heaps of extra benefits, and make it easy to collect points for the things you’re already doing, at the places you’re already at.

 

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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.

^ New customers only who apply and are approved for a Coles Low Rate MasterCard from 10 February 2016. A standard interest rate of 19.99% applies to cash advances.

1 flybuys points awarded for using a Coles MasterCard linked to your flybuys membership are in addition to flybuys points awarded by flybuys partners. Eligible transactions are explained in the Coles MasterCard Loyalty Terms & Conditions found on coles.com.au/creditcards. Eligible transactions exclude cash advances, credit fees or charges, credits, refunds, reimbursements, business purchases or balance transfers into your account. Standard flybuys Terms and Conditions apply, see flybuys.com.au. Note that partners’ earn rates vary.

2 2,000 flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express 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 Receive free delivery each time you spend $100 or more, after savings and discounts, with a Coles Credit Card at shop.coles.com.au. Offer can be withdrawn at any time. Offer excludes tobacco and tobacco related product purchases and remote delivery orders. To see if we deliver to your area, visit shop.coles.com.au and enter your postcode. Normal delivery terms and conditions apply.

4 flybuys points only earned on eligible transactions. Eligible transactions are explained in the Coles MasterCard Loyalty Terms and Conditions. Eligible transactions exclude cash advances, credit fees or charges, credits, refunds, reimbursements, business purchases or balance transfers to your account. Standard flybuys Terms and Conditions apply, see flybuys.com.au.

MasterCard® and the MasterCard brand mark are registered trademarks and PayPass is a trademark of MasterCard International Incorporated. Credit facility provided by Wesfarmers Finance Pty Ltd ABN 58 601 282 455, Australian Credit Licence number 470916.

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

Not sure which card is right for you? Compare or call us on 1300 306 397