Credit cards

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

No annual fee, low rate or faster flybuys points.

No Annual Fee

an image of the Coles no annual fee 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


Low Rate

Image of Low Rate MasterCard
Included 12.99% 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


Rewards

image of Coles rewards 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 Free delivery at Coles online with your Coles Credit Card.3
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 

You're better off with Coles

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.

24 hour, worldwide protection

  The Falcon™ fraud management system identifies unusual activity on your credit card and sends you an SMS alert.
  The in-built chip protects your personal details.
  We're available 24/7, 365 days a year, worldwide to report fraud or lost and stolen cards.
  MasterCard Zero Liability Guarantee protects you from fraudulent or unauthorised transactions made using your card.

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

*New customers who apply and are approved for a Coles Credit Card from 1 September – 6 October 2015 with a flybuys account will receive $100 off a single Coles Supermarket shop. $100 off will be activated on your flybuys account and available for use within 4 weeks of your card approval date. $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 Credit Card 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, Coles Group gift cards and iTunes cards). $100 off can only be used once and expires on 30 November 2015. Excludes Coles Express and Coles Online.

#Balance transfer minimum amount is $100. Balance transfer exclusions include credit cards issued outside Australia, other Coles MasterCards and GE 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% may not pay out your balance transfer within 18 months. Terms and conditions available at colescreditcards.com.au

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

Apply now or call 1300 306 397