Three credit cards packed with value

Choose the one that's right for you.

Coles No Annual Fee MasterCard

No annual fee ever.

Enjoy the benefits of a Coles Credit Card without paying an annual fee.

Annual fee

Purchase interest rate:

flybuys points:

$0

19.99% p.a.

1 point for every $2 everywhere, everyday#

$100 off a single Coles Supermarket shop

if you apply and are approved by 28 February 2017, and make a purchase in the first 30 days*

Coles Rewards MasterCard

Get rewards faster.

Collect 2 points for every $1 you spend with our special rewards credit card.

Annual fee

Purchase interest rate:

flybuys points:

$89

19.99% p.a.

2 points for every $1 everywhere, everyday#

$100 off a single Coles Supermarket shop

if you apply and are approved by 28 February 2017, and make a purchase in the first 30 days*

Coles Low Rate MasterCard

Our lowest rate.

Enjoy an everyday low interest rate of 12.99% p.a. on purchases^.

Annual fee

Purchase interest rate:

flybuys points:

$49

12.99% p.a.

1 point for every $2 at Coles Supermarkets#

$100 off a single Coles Supermarket shop

if you apply and are approved by 28 February 2017, and make a purchase in the first 30 days*

6 more reasons to choose a Coles Credit Card

A winning combination

Considering a Prepaid card?

Either for you or as a gift, they’re the easy way to shop with no credit checks and no need to open a new bank account. Simply buy, load and spend.

Find out more
Coles prepaid cards Image

Terms & conditions

*New customers only who apply and are approved for a Coles Credit Card between 4 January and 28 February 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 31 May 2017. Excludes Coles Express and Coles Online. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International. Credit facility provided by Wesfarmers Finance Pty Ltd (ABN 58 601 282 455), Australian Credit Licence number 470916.

#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.

+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.

^New customers only who apply and are approved for a Coles Low Rate MasterCard from 6 December 2016. A standard interest rate of 19.99% applies to cash advances.

1flybuys points only earned on eligible transactions. Eligible transactions are explained in the Coles MasterCard Loyalty Terms and Conditions. Eligible transactions exclude cash advances, BPAY payments, credit fees or charges, credits, refunds, reimbursements, business purchases or balance transfers to your account. Standard flybuys Terms and Conditions apply, see flybuys.com.au.

2Receive 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.

32,000 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).

MasterCard® and the MasterCard brand mark are registered trademarks and PayPass 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.