Rewards Mastercard

A Coles bonus for you

If you apply and are approved by 31 December
2017, and make a purchase in the first 30 days.*

Get started

Collect 2 points per $1 spent.

Collect 2 points for every $1 spent.
Everywhere, everyday.1

$100 off your coles shop.

Convert your flybuys points into Velocity Points.2

$100 off your coles shop.

Collect 2 points for every $1 spent.
Everywhere, everyday.1

Collect 2 points per $1 spent.

Convert your flybuys points into Velocity Points.2

Coles rewards mastercard

Coles Rewards Mastercard®

Apply now and get a response in 60 seconds.

Get started
$100 off your coles shop

Coles Rewards Mastercard®

Apply now and get a response in 60 seconds.

Rewards for you

Collect flybuys points everywhere you shop which you can turn into rewards.1

Collect points everywhere, everyday.

Simply use your Coles Rewards Mastercard anywhere to collect 2 points for every $1 spent no matter where you shop.1

2 points per $1 spent.
2 points per $1 spent.

PLUS collect 3 points per $1 spent with our flybuys partners below when you scan your flybuys barcode at the checkout.6

Coles
Kmart
Target
Flybuys travel
Liquorland
First choice liquor
Coles
Kmart
Target
Flybuys travel
Liquorland
First choice liquor
AGL

Ready to apply?

Money magazine winner 2017 icon

Best Non-Bank Rewards
Credit Card 2017

CANSTAR outstanding value credit card award icon

Outstanding Value
Frequent Flyer Credit Card

coles reward Get started

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CANSTAR outstanding value credit card rewards award icon

Outstanding Value
Travel Credit Card

CANSTAR outstanding value credit card rewards award icon

Outstanding Value
Rewards Credit Card

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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 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.

2 Velocity Frequent Flyer members must link their Velocity membership to their flybuys household to enable the transfer of their flybuys points to Velocity Points. Linked households may transfer a minimum of 2,000 flybuys points (equivalent to 870 Velocity Frequent Flyer Points) per redemption and a maximum of 138,000 flybuys points (equivalent to 60,030 Velocity Frequent Flyer Points) for Velocity Frequent Flyer Points per household, per calendar year. flybuys points can only be transferred in increments of 2,000. Visit at www.flybuys.com.au/transfer to transfer flybuys points. flybuys points transferred for Velocity Frequent Flyer points will be credited to the linked Velocity accounts. Standard flybuys Terms and Conditions apply to the collection of flybuys points available at www.flybuys.com.au/about/flybuys-terms-and-conditions. Standard Velocity Frequent Flyer Terms and Conditions available at www.velocityfrequentflyer.com/content/TermsConditions apply once points are transferred to Velocity Frequent Flyer. To earn and redeem Velocity Points you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Terms and Conditions, as amended from time to time. flybuys points awarded for using a Coles Mastercard linked to your flybuys membership are in addition.

4 No international transaction fees on purchases applies to purchases made when shopping online or overseas. A 1.5% fee applies when you obtain funds outside of Australia or in a foreign currency. A cross-border assessment fee and a currency conversion assessment fee is charged when you withdraw cash from an automatic teller machine outside Australia or when you make a cash advance at international merchants in a currency other than Australian dollars.

5 Velocity Frequent Flyer members must link their Velocity membership to their flybuys household to earn Velocity Frequent Flyer Status Credits. In non-promotional periods the earn rate for Velocity Frequent Flyer Status Credits will be 1 Status Credit for every $100 spent (including GST) each calendar month in total across Coles, Coles online, Liquorland and First Choice Liquor. No part Status Credits will be allocated, only whole Status Credits per $100 spend. The Velocity Frequent Flyer member linked to the flybuys program membership (as at the end of the calendar month) will be awarded the Status Credits. The nominated linked member may earn up to a maximum of 10 Velocity Frequent Flyer Status Credits per calendar month. Spend excludes tobacco and tobacco related products, charity donations and gift card purchases. Please allow up to 2 weeks after the end of each calendar month for your Velocity Frequent Flyer Status Credits to be credited. Velocity Frequent Flyer Status Credits will not appear on your flybuys statement; see your Velocity account for your total Status Credit balance. Velocity members also need to fly on Virgin Australia marketed flights to earn Eligible Sectors in addition to Status Credits to upgrade or maintain a new level of membership.

6 That’s 2 standard flybuys points awarded for using a Coles Rewards Mastercard on eligible transactions (see exclusions 1 above) and 1 flybuys point awarded by flybuys partners. Standard flybuys Terms & Conditions apply see flybuys.com.au.

7 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).

8 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.

9 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.

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

All rewards are subject to availability.

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 award: The Coles Rewards Mastercard won Best Non-Bank Rewards Credit Card, 2017.

Canstar award: The Coles Rewards Mastercard received 5 Stars for Outstanding Value in General Rewards across all spending categories and Frequent Flyer Rewards with a $24,000-$120,000 annual spend, in 2017.