Car insurance

Three credit cards packed with value

Choose the one that's right for you.

No Annual Fee Credit Card image

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#

Get 0% interest on purchases for 15 months+

If you apply and are approved for a No Annual Fee MasterCard by 31 December 2016.+

Rewards Credit Card image

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.#

 

Our Lowest Rate Credit Card image

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% p.a. on
purchases & 19.99% p.a. on cash advances^

 

6 more reasons to choose a Coles Credit Card

A winning combination

Considering a Prepaid card?

Either for you or as a gift, they’re the easy way to shop with no credit checks and no need to open a new bank account. Simply buy, load and spend.

Find out more
Coles prepaid cards Image

Terms & conditions

+New customers who apply and are approved for a Coles No Annual Fee MasterCard between 5 October and 31 December 2016. 0% p.a. on purchases for 15 months applies from the date of card approval. Excludes cash advances and cash equivalents. After 15 months from the date of card approval, interest on purchases for the No Annual Fee MasterCard will be charged at the annual interest rate for purchases, currently 19.99% p.a. Minimum payments are required each month. Paying only the minimum monthly payments will not pay out the balance of your 15 months interest free purchases. Standard fees and charges are payable. Offer cannot be used in conjunction with any other offer and is not available when closing/transferring from another Coles Credit Card.

#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.

*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.