Three credit cards packed with value

Choose the one that's right for you.

Coles No Annual Fee MasterCard

No annual fee ever.

Enjoy the benefits of a Coles Credit Card without paying an annual fee.

Annual fee

Purchase interest rate:

flybuys points:

$0

19.99% p.a.

1 point for every $2 everywhere, everyday#

0% interest on balance transfers for 6 months

when you are approved for your first Coles Mastercard+

Coles Rewards MasterCard

Get rewards faster.

Collect 2 points for every $1 you spend with our special rewards credit card.

Annual fee

Purchase interest rate:

flybuys points:

$89

19.99% p.a.

2 points for every $1 everywhere, everyday#

Collect 2 flybuys points for every $1 you spend#

Everywhere you shop#

Coles Low Rate MasterCard

Our lowest rate.

Enjoy an everyday low interest rate of 12.99% p.a. on purchases^.

Annual fee

Purchase interest rate:

flybuys points:

$49

12.99% p.a.

1 point for every $2 at Coles Supermarkets#

12.99% p.a.

Get an everyday low rate of 12.99% on purchases & 19.99% p.a. on cash advances^

Now you can fly faster with a Coles Rewards Mastercard

With a Coles Rewards Mastercard you'll collect 2 flybuys points per $1 you spend everywhere.# Turn those flybuys points into Velocity Frequent Flyer Points to fly even sooner.Find out more

Now you can fly faster with a Coles Rewards Mastercard

With a Coles Rewards Mastercard you'll collect 2 flybuys points per $1 you spend everywhere.# Turn those flybuys points into Velocity Frequent Flyer Points to fly even sooner.Find out more

6 more reasons to choose a Coles Credit Card

A winning combination

Terms & conditions

#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, BPAY payments, 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.

*Velocity Frequent Flyer members must link their Velocity membership to their flybuys household to enable the transfer of their flybuys points to Velocity Points. Linked households may transfer a minimum of 2,000 flybuys points (equivalent to 870 Velocity Frequent Flyer Points) per redemption and a maximum of 138,000 flybuys points (equivalent to 60,030 Velocity Frequent Flyer Points) for Velocity Frequent Flyer Points per household, per calendar year. flybuys points can only be transferred in increments of 2,000. Visit at www.flybuys.com.au/ to transfer flybuys points. flybuys points transferred for Velocity Frequent Flyer points will be credited to the linked Velocity accounts. Standard flybuys Terms and Conditions apply to the collection of flybuys points available at www.flybuys.com.au/about/ flybuys-terms-and-conditions. Standard Velocity Frequent Flyer Terms and Conditions available at www.velocityfrequentflyer.com/content/TermsConditions/apply once points are transferred to Velocity Frequent Flyer. To earn and redeem Velocity Points you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Terms and Conditions, as amended from time to time. flybuys points awarded for using a Coles Mastercard linked to your flybuys membership are in addition.

The material is this email is prepared by Wesfarmers Finance Pty Ltd (ABN 58 601 282 455), Australian Credit Licence number 470916 and not Velocity Frequent Flyer. Velocity does not hold an Australian Credit Licensee and is not the Licensee in relation to the credit activity being engaged in by Wesfarmers Finance who is the credit licensee.

+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 6 December 2016. A standard interest rate of 19.99% applies to cash advances.

1flybuys points only earned on eligible transactions. Eligible transactions are explained in the Coles Mastercard Loyalty Terms and Conditions. Eligible transactions exclude cash advances, BPAY payments, 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.

2Receive 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.

32,000 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 and all gift cards).

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.