Choose the card that's right for you.

Coles No Annual Fee MasterCard

No annual fee ever.

Collect flybuys points without ever paying an annual fee

Annual fee

Purchase interest rate:

flybuys points:

$0

19.99% p.a.

1 point per $2 on eligible spend#

0% p.a. on purchases
for 12 months

when you apply by 31 January 2020.4

Coles Rewards MasterCard

Get rewards faster.

Maximise your rewards and enjoy travel benefits

Annual fee

Purchase interest rate:

flybuys points:

$99

19.99% p.a.

2 points per $1 on eligible spend#

Collect up to 120,000 BONUS POINTS

when you apply by 31 January 2020 and spend $3,000 in the first 90 days from approval.3

Coles Low Rate MasterCard

Our lowest rate.

An everyday low interest rate on purchases

Annual fee

Purchase interest rate:

flybuys points:

$58

12.99% p.a.

1 point for every $2 at Coles Supermarkets#

0% p.a. on purchases
for 12 months

when you apply by 31 January 2020.4

Now you can fly faster with a Coles Rewards Mastercard

With a Coles Rewards Mastercard you'll collect 2 flybuys points per $1 on eligible spend.# Turn those flybuys points into Velocity Frequent Flyer Points to fly even sooner.~ Find out more

Now you can fly faster with a Coles Rewards Mastercard

With a Coles Rewards Mastercard you'll collect 2 flybuys points per $1 on eligible spend.# Turn those flybuys points into Velocity Frequent Flyer Points to fly even sooner.~ Find out more

6 more reasons to choose a Coles Credit Card

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 are only earned on Eligible Transactions and defined in the Coles Mastercard Rewards Terms and Conditions. Standard flybuys Terms and Conditions apply. See flybuys.com.au.

3 New customers who apply for a Coles Rewards Mastercard by 31 January 2020, enter their flybuys number in the application form and make purchases (excluding Cash Advances) to the value of $3,000 or more on the new Coles Mastercard in the first 3 months of the Account approval date will, within 3 weeks of meeting the required $3,000 spend, be credited 100,000 flybuys BONUS POINTS to the flybuys account linked to the Coles Mastercard. Plus, receive an additional 20,000 flybuys BONUS POINTS within 3 weeks of the first anniversary of Account approval date. Points will be forfeited if you close your Account before they appear in your flybuys account. The Account needs to be in good standing for the flybuys BONUS POINTS to be awarded. Standard flybuys Terms and Conditions apply, see flybuys.com.au. This offer cannot be used in conjunction with any other offer.

4 Credit criteria, fees and charges, terms and conditions apply. New customers only who apply for a Coles No Annual Fee or Low Rate Mastercard by 31 January 2020. The promotional rate of 0% p.a. will apply to Retail Purchases (excludes Cash Advances) for 12 months from the date your account is approved. Minimum monthly repayments required. At the end of the promotional period, any outstanding Retail Purchase Balance and any new Retail Purchases will attract the variable Annual Percentage Rate for Retail Purchases, currently 19.99% p.a for a Coles No Annual Fee Mastercard and 12.99% p.a. for a Coles Low Rate Mastercard. Interest rates are variable and subject to change. This offer cannot be used in conjunction with any other offer and is not available when closing/transferring from another Coles Credit Card. Your total Balance Transfers may not exceed 80% of your Credit Limit. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 12 months. The 12 month promotional period commences when the Balance Transfer is processed. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 19.99% p.a for a Coles No Annual Fee Mastercard and Low Rate Mastercard. Please note you are not entitled to the Interest Free Period on Retail Purchases, fees and charges whilst you have a Balance Transfer. This means that all spend will be charged interest at the applicable Annual Percentage Rate from the date of the transaction. This offer is valid until 31 January 2020. Post this advertised date Citi reserves the right to continue, withdraw or change the offer at any time without notice. For important information to consider before taking up a balance transfer, please click here. New customers who apply for a Coles No Annual Fee or Low Rate Mastercard by 31 January 2020 will receive a promotional rate of 0%p.a. applied to Retail Purchases (excludes Cash Advances) for 12 months from the date the Account is approved. There will be a Minimum Payment Due on the Account each month, and at the end of the 12 months any outstanding Retail Purchases balance and any new Retail Purchases will attract the variable Annual Percentage Rate for Retail Purchases. Payments are applied to your Account as per the Coles Mastercard Terms and Conditions. Please note that if you make a Retail Purchase before your Balance Transfer is processed, payments made during the promotional period will be applied to the Retail Purchase Balance before the Balance Transfer.

#flybuys points awarded for using a Coles Mastercard linked to your flybuys membership are in addition to flybuys points awarded by flybuys partners. The number of flybuys points awarded is calculated by reference to the Australian dollar amount of the transaction. flybuys points will be allocated by flybuys in accordance with the flybuys terms and conditions. For No Annual Fee and Rewards credit cards, points are earned on Eligible Transactions. For the Low Rate credit card, points are earned on Coles Spend. Both Eligible Transactions and Coles Spend are defined in www.coles.com.au/rewards-mastercard/terms-conditions. For the avoidance of doubt Low Rate Card purchases at Coles Supermarkets will earn points. Standard flybuys Terms and Conditions apply, see flybuys.com.au. Note that partners’ earn rates vary.

~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 www.flybuys.com.au/ 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.

This material has been prepared by Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098 Australian credit licence 238098 and not Velocity Frequent Flyer. Velocity does not hold an Australian Credit Licence and is not the licensee in relation to the credit activity being engaged in be Citigroup who is the credit licensee.

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 receives commission for the introduction of credit business to Citigroup.