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 per $2 on eligible spend#

0% p.a. 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 per $1 on eligible spend.#

Annual fee

Purchase interest rate:

flybuys points:

$99

19.99% p.a.

2 points per $1 on eligible spend#

0% p.a. interest on balance transfers for 16 months*

If you apply for a new Coles Rewards Mastercard
by 31 May.*

 

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:

$58

12.99% p.a.

1 point for every $2 at Coles Supermarkets#

12.99% p.a.^


Get an everyday low rate of 12.99% p.a. 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 on eligible spend.# 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 on eligible spend.# 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

Terms & conditions

*Credit criteria, fees and charges, Terms and Conditions apply. New customers only. Offer is valid until 31 May 2018. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 16 months. The 16 months promotional period commences when the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 19.99% p.a. Interest Free Days are not available while you have a balance transfer on your account and interest will apply from the purchase date.

#flybuys points awarded for using a Coles Mastercard linked to your flybuys membership are in addition to flybuys points awarded by flybuys partners. The number of flybuys points awarded is calculated by reference to the Australian dollar amount of the transaction. flybuys points will be allocated by flybuys in accordance with the flybuys terms and conditions. For No Annual Fee and Rewards credit cards, points are earned on Eligible Transactions. For the Low Rate credit card, points are earned on Coles Spend. Both Eligible Transactions and Coles Spend are defined in www.coles.com.au/rewards-mastercard/terms-conditions. For the avoidance of doubt Low Rate Card purchases at Coles Supermarkets will earn points. 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.

This material has been prepared by Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098 Australian credit licence 238098 and not Velocity Frequent Flyer. Velocity does not hold an Australian Credit Licence and is not the licensee in relation to the credit activity being engaged in be Citigroup who is the credit licensee.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Coles unsecured credit products are issued by Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098 Australian credit licence 238098 and distributed by Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708. Coles may receive commission for the introduction of credit business to Citigroup.

Receive free delivery each time you spend $100 or more with a Coles Mastercard at shop.coles.com.au. Offer can be withdrawn at any time. Offer excludes tobacco and tobacco related 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.

+Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 6 months. The 6 months promotional period commences when the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 19.99% p.a. Interest Free Days are not available while you have a balance transfer on your account.

^New customers only. The standard interest rate of 19.99% p.a. applies to cash advances.

1flybuys points are only earned on Eligible Transactions and defined in the Coles Mastercard Rewards Terms and Conditions. Standard flybuys Terms and Conditions apply. See flybuys.com.au.

22,000 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).