Low Rate Mastercard

Why choose Coles Credit Cards?

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.


From 5 March 2018, there will be changes made to the Coles Credit Card contract. Find out more.

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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

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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.


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Terms & conditions

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. An eligible spend is an Eligible Transaction as defined in the Coles Mastercard Loyalty Terms & Conditions found on coles.com.au/creditcards. Points are earned on Eligible Transactions which 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.

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 Offer can be withdrawn at any time.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.

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