For our existing customers

 

If you already have a Coles Mastercard, the products features and benefits listed in this site may not apply to you. 

The tables below include information about the variations that apply to a Coles Mastercard that may be applicable to you. The annual fee you pay (if any), and how you collect flybuys points are important. If you’re not sure, you can also check your monthly statement or call us on 1300 306 397 today.

Type of card 
 
Coles No Annual Fee
Mastercard 

Coles Rewards
Mastercard 
 
Coles Mastercard
(formerly known as Source Mastercard) 

Available to apply?
(This only applies to NEW customers
without an existing account)  
 Yes Yes No
 Annual Fee (ongoing)
 $0 $99
$0
 flybuys points earn rate
 1 point per $2 spent everywhere, everyday1
Plus, your standard flybuys points - see our flybuys partners 
2 points per $1 spent everywhere, everyday1
Plus, your standard flybuys points - see our flybuys partners

 2 points per $1 spent at flybuys partners1
See the flybuys partners you collect points at 
 If you are an existing Coles Mastercard cardholder and want to change your flybuys earn rate
 Call us on 1300 306 397 to change your earn rate 
Call us on 1300 306 397 to change your earn rate 
Call us on 1300 306 397 to change your earn rate 
Unsure of your flybuys earn rate?  Refer to your statement or call us on 1300 306 397 to check your earn rate
Refer to your statement or call us on 1300 306 397 to check your earn rate
Refer to your statement or call us on 1300 306 397 to check your earn rate
 Interest rate  See your statement or call us
See your statement or call us   See your statement or call us
 

Upgrade or change your account details


If you like the sound of fast tracking your flybuys rewards by collecting points everywhere, not just at flybuys partners, you can upgrade or change your account by calling 1300 306 397.

Upgrade today to collect points everywhere and enjoy instant rewards more often.


Coles Mastercard flybuys participants

Customers with this card only collect flybuys points at the following flybuys participants:

flybuys participants include: First Choice Liqor, Coles Express, Kmart Tyre and Auto, Target Country, Liqorland, Coles, BiLo, Target, Liqorland Direct and Kmart


Standard features across all our credit cards


  • Save $10 instantly at the checkout with 2000 flybuys points2 
  • Up to 62 days interest free on purchases3 
  • Superior security and fraud protection 
  • Contactless payments with Mastercard PayPass. Plus Tap & Go for purchases under $100.

Coles Platinum Mastercard



If you have a Platinum card, you’ll also have the following additional benefits:

  • Complimentary Merchandise Protection Insurance 
  • 24/7 Worldwide Concierge Service 
 

Terms & conditions

1 Standard flybuys terms and conditions apply. Note that partners’ earn rates vary. 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. Eligible transactions exclude cash advances, credit fees or charges, credits, refunds, reimbursements, business purchases or balance transfers into your account.

2 2,000 flybuys points are required to redeem $10 off at the checkout each time. Number of required points could change. Excludes Coles Express, Coles Local and Coles online. Minimum spend is $10.05 after savings and discounts in one transaction at Coles Supermarkets and BI-LO (excluding smoking/tobacco product purchases, Coles Group gift cards and iTunes cards).

3 To receive interest free days on your everyday Mastercard purchases, you must pay your balance in full every month.

Mastercard is a registered trademark and the circles design 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.