Low Rate Mastercard

Coles Low Rate Mastercard

The credit card with an everyday low interest rate of 12.99% p.a. on purchases. Plus, collect flybuys points when you shop at Coles Supermarkets.


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Instant $10

$10 off your Coles Supermarket shop

Save $10 instantly at the checkout every time you redeem 2,000 flybuys points.1

Find out more 

Platinum Coles Low Rate Mastercard

You can enjoy the same great features and even more with our Platinum Coles Low Rate Mastercard if you’re approved for a credit limit over $6,000 when you apply. 

These benefits include complimentary access to our 24/7 worldwide concierge service, as well as Merchandise Protection Insurance5, which protects the items you buy with your card in case they're lost, stolen or damaged.


Award-winning value

We're proud of the awards our credit cards have won.

24 hour, worldwide protection

Included The Falcon™ fraud management system identifies unusual activity on your credit card, and sends you an SMS alert. 
Included The in-built chip provides protection of your personal details.
Included Worldwide, 24/7 and 365 days a year immediate contact for fraud or lost and stolen cards.
Included Mastercard Zero Liability Guarantee, protects you from fraudulent or unauthorised transactions made using your card.


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.


Terms & conditions

* New customers who apply and are approved for a Coles Credit Card between Sunday 1st October and Sunday 31st December 2017 and make a purchase (excludes cash advances and cash equivalents) within the first 30 days of the card approval date will receive $100 off a single Coles Supermarket shop. $100 off will be activated on your flybuys account and available for use within 2 weeks of your first eligible purchase. $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 Mastercard 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 and all gift cards). $100 off can only be used once and expires on 31st March 2018. Excludes Coles Express and Coles online.

1 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 and all gift cards).

2 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 and Conditions. 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. To upgrade to a Coles Mastercard to collect flybuys points everywhere call 1300 306 397.

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

5 See the Insurance Benefits section in the Conditions of Use for details. Merchandise Protection cover is provided by Hallmark General Insurance Company Limited (ABN 82 008 477 647 AFSL 243478).

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.

Money magazine awards: Credit Card Issuer of the Year 2016 and 2017.

Combine Coles Insurance or Credit Card products to fast track your flybuys rewards.

Fast track my flybuys
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Not sure which card is right for you? Compare or call us on 1300 306 397