Coles Financial Services

The Coles Difference

We love finding new ways to help our customers manage their everyday finances.

Terms & conditions

~ Offer extended to 30 June 2018. Credit criteria, fees and charges, Terms and Conditions apply. New customers only. 16 month promotional period commences once the balance transfer is processed. Reverts to the variable Annual Percentage Rate for Cash Advances, currently 19.99%. Offer may be withdrawn at any time. Product Issuer Citigroup Pty Limited. ABN 88 004 325 080 AFSL No. 238098 Australian credit licence 238098 and distributed by Coles Supermarkets Australia Pty Ltd ABN 45 004189 708. Coles may receive commission for the introduction of credit business to Citigroup.

^ The 25% discount is made up of the 10% online discount and a 15% combined policy discount. Minimum premiums may apply. Online discount is These discounts are calculated on & applied to your Coles Insurance premium before the application of any other discount. This discount offer may be withdrawn at any time. Full Terms and Conditions, see Special Offers.

1 flybuys members collect 1 flybuys point for every dollar spent at Coles Supermarkets. flybuys members with Coles Insurance policies collect +1 EXTRA POINT on each dollar spent at Coles Supermarkets for each policy whenever they scan their flybuys card. Maximum 1,000 EXTRA POINTS per policy per month. flybuys EXTRA POINTS are collected from the date your flybuys membership is linked to your Coles Insurance policy and for the term of the policy. No flybuys EXTRA POINTS will be collected for the month in which your policy terminates. No EXTRA POINTS collected on any third party car insurance policies. Standard flybuys Terms and Conditions apply. flybuys EXTRA POINTS are collected on transaction balance after savings and discounts and excluding gift cards and smoking/tobacco product purchases. Coles means Coles Supermarkets, BI-LO and Coles online only.

2 2,000 flybuys points are required to redeem $10 off at the checkout each time. 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 related product purchases, and all gift cards).

3 Online discount is calculated on and applied to your Coles Insurance premium before the application of any other discount. This discount offer may be withdrawn at any time. Full terms and conditions.  

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Coles unsecured credit products are issued by Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098 Australian credit licence 238098 and distributed by Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708. Coles may receive commission for the introduction of credit business to Citigroup.

Mozo Expert Choice awards: Low Cost Contents Insurance and Exceptional Value Home Buildings Insurance 2017.

Canstar awards: 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.

Coles Supermarkets Australia Pty Ltd (Coles) is an authorised representative of the issuer, Insurance Australia Limited (ABN 11 000 016 722 AFSL 227681) and receives a commission for each policy sold and renewed). Any advice provided is of a general nature only and does not take into consideration your objectives, financial situation or needs. Before acting on any advice you should consider its appropriateness. You should read the Product Disclosure Statement before deciding whether to acquire an insurance policy.

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

Fast track my flybuys
an icon showing that you can earn faster flybuys points