Terms & conditions
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. 1.5% applies when you obtain funds outside of Australia or in a foreign currency. Across-border assesment fee and a currency conversion assesment 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.