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Terms and Conditions

1An eligible purchase is an Eligible Transaction as defined in the Coles Mastercard Rewards Terms and Conditions found at www.coles.com.au/mastercard-important-information and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges,  transactions made using Flybuys Points and government related transactions. The number of Flybuys Points awarded is calculated by reference to the Australian dollar amount of the transaction.  Flybuys Points awarded for using a Coles Mastercard linked to your Flybuys Membership Account are in addition to Flybuys points awarded by Flybuys partners and will be allocated by Flybuys in accordance with the Flybuys terms and conditions found at flybuys.com.au.

2Coles spend is Eligible Transactions made at Coles Supermarkets Australia Pty Ltd, as defined in the Coles Mastercard Rewards Terms and Conditions found at www.coles.com.au/mastercard-important-information.The number of Flybuys Points awarded is calculated by reference to the Australian dollar amount of the transaction. Flybuys Points awarded for using a Coles Mastercard linked to your Flybuys Membership Account are in addition to Flybuys points awarded by Flybuys partners and will be allocated by Flybuys in accordance with the Flybuys terms and conditions found at flybuys.com.au.

3Points are collected on Flybuys Participating Retailer Spend, as defined in the Coles Mastercard Rewards Terms and Conditions found at www.coles.com.au/mastercard-important-information. The Coles Rewards Mastercard, Coles No Annual Fee Mastercard or Coles Low Rate Mastercard will not collect 1 point per $2 at Flybuys Partners but instead will earn points in line with the Earn Rate on that Card. The number of Flybuys Points awarded is calculated by reference to the Australian dollar amount of the transaction. Flybuys Points awarded for using a Coles Mastercard linked to your Flybuys Membership Account are in addition to Flybuys points awarded by Flybuys partners and will be allocated by Flybuys in accordance with the Flybuys terms and conditions found at flybuys.com.au.

42,000 Flybuys Points are required to redeem $10 off at the checkout each time. Excludes Coles Express and Coles Online. Minimum spend is $10 after savings and discounts in one transaction at Coles Supermarkets (excluding gift cards, iTunes cards, tobacco and tobacco related purchases).

5Complimentary insurance covers are provided to your Account by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (“Allianz”). AWP has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Coles credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Coles Platinum Mastercard Complimentary Insurance Policy Information Booklet which can be found at coles.com.au/mastercard-important-information and may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance. For general enquiries call Allianz Global Assistance who issues and manages the Group Policy on behalf of Allianz.

Other

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Coles unsecured credit products are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) and distributed by Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the products. Coles receives commission for the introduction of credit business to NAB.