You’re protected by the Coles Shield

Coles Credit Cards are protected by the Coles Shield: three layers of advanced defence for extra peace of mind.

1. Technology

  • The Falcon™ fraud management system identifies unusual activity on your card and alerts our security experts.
  • Mastercard® SecureCode™ verifies your online purchases in real time.
  • Chip protection reduces the chance of your personal details being copied if your card is lost or stolen.

2. Action

  • Immediate fraud notification systems detect possible fraudulent transactions worldwide and alert you by SMS or phone, 24/7.
  • Our skilled Fraud Solutions team carefully investigate and resolve any incidents.

3. Reliability

  • Our Fraud Money Back Guarantee ensures that if there’s a fraudulent transaction on your Coles Credit Card, you won’t be held liable (as long as you promptly notified us of the theft, loss or misuse of your account; didn’t contribute to the loss; and adhered to the Conditions of Use (COU).
  • Mastercard® Zero Liability from Mastercard gives you even more protection.1

Feel safe that you’re protected by the Coles Shield anytime, anywhere.


Account Cover Plus

Account Cover Plus is an optional insurance cover for your Coles Mastercard. It helps you protect your eligible purchases and the premium is just 1% of the monthly closing balance (capped at $50).

> Find out more

Terms & conditions

1 Terms, conditions and some exclusions apply.

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.