Welcome to the Coles Credit Card Hub

 

We’ve recently made a few changes to our website, so now you can easily find everything you need to get the most out of your Coles credit card, all in the one place. Whether you need to download important documents or manage your account, everything you need can be found below.

If you can't find the documents or information you need, please visit the Online Service Centre.

Make the most of your Card

 

Find out about the some of the benefits of having a Coles Mastercard.

Manage your account

For full list of FAQs, please see our FAQ page.

Select a topic

  • Managing your account

  • Statements

  • Balance Transfers

  • Online Service Centre

  • Mobile Wallet App

  • Pay Tag

  • eStatements

How do I change or set up my Card ATM PIN? Navigation Show below Hide below

  • Go to osc.coles.com.au and login using your username or password
  • Select the card for which you’d like to set an ATM PIN
  • Click “Manage My Card”
  • Click “Change PIN” and choose your new PIN
  • Alternatively, you can call 1300 306 397 to have a new PIN mailed to you

How do I report a lost or stolen credit card? Navigation Show below Hide below

  • Go to osc.coles.com.au and login using your username or password
  • Select the card you’d like to replace
  • Click “Manage My Card”
  • Click “Report lost/stolen” and follow the instructions
  • Alternatively, you can call 1300 306 397

How can Coles support me with financial hardship? Navigation Show below Hide below

We are able to customise solutions based on your individual circumstances. We may be able to provide you:

  • Payment variations
  • Reduced payment plans
  • Reduced settlements

You can find more information on what to do if you need financial hardship support on the FAQ page.

How can I close my account? Navigation Show below Hide below

To request closure of your Account:

  • Go to osc.coles.com.au and login using your username and password
  • Select the card you’d like to close
  • Click “Manage My Card”
  • Click “Account closure request” and follow the instructions

Alternatively, you can request to close your Account by calling us on 1300 306 397

How can I choose to receive my statement? Navigation Show below Hide below

You can view your statements online as well as save or print them. Log in to the Online Service Centre, click on the card you’d like to view, and click “View Statement”. Then select the statement and date period you would like to view.

You can opt to have your statements delivered to your email address. To enrol in eCommunications:

  • Log in to the Online Service Centre, click “My Profile”, then click “Statement Preferences”
  • Set your eCommunications password which will be used each time you open your eStatement
  • Agree to the Electronic Communication Consent
  • Confirm your enrolment

You can opt to receive paper statements sent to your mailing address. A Paper Statement Fee of A$2.00 will apply each month we issue you with a paper statement, debited to your Account in the following Statement Period. This fee may be waived in limited circumstances.

How do I read my statement? Navigation Show below Hide below

Your statement tells you how much you've spent, how much available credit you have left and when your minimum monthly payment is due.

Download our How to read your statement PDF.

How do I get another copy of my statement? Navigation Show below Hide below

You can view your statements online anytime in the Online Service Centre.

If you’d like a paper copy of your statement, call 1300 306 397 to request one.

How do I change my statement delivery preference? Navigation Show below Hide below

To enrol in eStatements:

  • Log in to the Online Service Centre, click “My Profile”, click “Statement Preferences”
  • Set your eCommunications password which will be used each time you open your eStatement
  • Agree to the Electronic Communication Consent
  • Confirm your enrolment


To de-enrol in eStatements:
  • Log in to the Online Service Centre, click “My Profile”, click “Statement Preferences”
  • Click “Cancel enrolment” and confirm you wish to de-enrol

How do I make repayments? Navigation Show below Hide below

By Post using a cheque
You can post us your payment by enclosing your completed Remittance Advice provided with your monthly statement (for Credit products only) and mail with your cheque (no notes or coins accepted) to the following address for each of the following products:

Coles Mastercard
GPO Box 5427
Sydney NSW 2001

Please make your cheque payable to your Coles Mastercard Account Number and specify your Account type (e.g. Coles Rewards Mastercard Account Number). It would also assist us in processing your payment if you write the actual account number on the back of your cheque.

Cheques payable to the Accountholder may also be accepted (e.g. dividend cheque, Medicare refund, etc.) but cheques payable to a third party will not be accepted.

Australia Post
You can make payments at any Australia Post office displaying the Bank@Post™ symbol using cash or EFTPOS. You will need your card and ATM PIN. Cash and EFTPOS payments will be applied to your account on the day you make the transaction.

Please allow seven business days for payments made by cheque to clear. However, funds will be considered received the day the cheque is deposited.

An Over-the-Counter Transaction Fee of A$2.25 will be charged to your Account at the end of the month for each payment made to your Account at Australia Post outlets when you use the Bank@Post facility.

BPAY
You can make payments from another financial institution through BPAY using Biller Code 8862 followed by your 16-digit Coles Mastercard number as your Customer Reference number.

Direct Debit
If you have chosen to make your repayments using Direct Debit, your repayments will automatically be made on the due date from your nominated bank account. Using Direct Debit avoids the hassle of remembering to make repayments each month, and helps prevent incurring unwanted late fees. Please ensure there are sufficient funds in the account on the monthly due date.

What is a Balance Transfer? Navigation Show below Hide below

A Balance Transfer involves transferring the balance(s) on your other credit cards or loans to a Coles Mastercard. The balances transferred will receive a promotional interest rate for a set period of time and can be a great way to save on interest charges.

Once your balance(s) has been transferred, you will need to close the other credit facilities you transferred balances from, as this will not occur automatically.
A Balance Transfer lets you:

  • Use up to 80% of your Coles Mastercard limit to transfer balances from other credit cards or loans, so long as you are transferring balances of $500 or more
  • Take advantage of a lower interest rate for the period of the Balance Transfer

Whilst taking advantage of the above benefits, you should remember that no interest free days are applicable to Retail Purchases when you have a Balance Transfer. This means that any purchases you make will be charged interest at the APR for Retail Purchases from the date of the transaction.

How does a Balance Transfer work? Navigation Show below Hide below

You can request a Balance Transfer as part of your initial application, or as a new request on your existing Coles Mastercard.

When you make the Balance Transfer request, we will ask you for information about the balances you are transferring and it will take up to 10 business days for the funds to be received at the other financial institution.

Once the balance(s) is transferred to your Coles Mastercard, you will be charged interest at the rate offered to you at the time you requested the Balance Transfer, for the length of the promotional period.

At the end of the Balance Transfer, any remaining balances (inclusive of a Balance Transfer fee, where applicable) will revert to the Annual Percentage Rate for Cash Advances.

How can I get the most out of my Balance Transfer? Navigation Show below Hide below

To get the most out of your Balance Transfer it is important that you follow the below recommendations:

  • Make additional payments (more than the Minimum Payment Due) throughout the promotional period to reduce the amount you owe
  • Ensure you pay the outstanding balance prior to the end of the Balance Transfer offer. Any outstanding balances that were transferred will revert to the Annual Percentage Rate for Cash Advances at the end of the promotional period.
  • Track any additional spending on the credit card, which will not qualify for interest free days while you have a Balance Transfer
  • Close other credit cards and loan accounts once the balances have been transferred to your Coles Mastercard.

What are the benefits of closing your other credit card(s) and loans after a Balance Transfer? Navigation Show below Hide below

Some of the benefits from closing your other credit cards and loans are:

  • It will help reduce the total amount of annual fees you pay
  • Simplifying your finances and decreasing the number of cards you hold
  • Reducing your ability to accrue additional debt, by decreasing the available credit options
  • Potentially increasing your credit rating by reducing the amount of unsecured debt recorded against your credit bureau record

How does a Balance Transfer affect the interest charged on my Account? Navigation Show below Hide below

Once a Balance Transfer is processed on your Coles Mastercard, the interest charges will be as follows:

  • During the promotional period, balances transferred across will be charged an interest rate as per the Balance Transfer offer you accepted
  • There will be no interest free days, this means all Retail Purchases will be charged interest at the applicable Annual Percentage Rate.
  • Any transferred balances that remain outstanding at the end of the promotional period will revert to the Annual Percentage Rate for Cash Advances.

For example, if your Balance Transfer rate is 0 % p.a. for 12 months, during the 12 months all additional purchases will be charged interest at the Annual Percentage Rate for Retail Purchases and at the end of the 12 months, any outstanding balances from the Balance Transfer will revert to the Annual Percentage Rate for Cash Advances. Purchases made throughout the promotional period will continue to be charged the Annual Percentage Rate for Retail Purchases.

If I have Balance Transfers at different rates, which one does my credit card payments get applied to first? Navigation Show below Hide below

We will apply payments firstly to:

  • Monthly Instalment(s) for Fixed Payment Options due in the current Statement Period (if applicable); and then
  • to the portion of the Closing Balance of your most recent statement which attracts the highest interest rate; and then
  • to the portion of your balance which attracts the next highest interest rate;
  • and so on.

Payments are then applied to balances that have not yet been billed on your statement in a similar fashion.

What is a Balance Transfer fee and how is it calculated? Navigation Show below Hide below

A Balance Transfer fee can be applicable on some promotional offers. This fee is calculated as a percentage of the total amount being transferred and is added to the Balance Transfer amount.

For example, a Balance Transfer amount of $10,000 with a 2% Balance Transfer Fee, will be charged a Balance Transfer fee of $200 and results in the outstanding balance of your Coles Mastercard to increase by $10,200.

At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance and the Balance Transfer fee will revert to the applicable Annual Percentage Rate for Cash Advances.

How do I apply for a Balance Transfer? Navigation Show below Hide below

Existing Cardholders

Call us on 1300 306 397. Balance Transfers can only be requested by the Primary Cardholder.

New customers

When you apply for a Coles Mastercard, you can apply to transfer a balance from another financial institution.

You can complete an application and will need to provide us with details of that account, including:

  • Name the account is held in
  • Type of Card/ Account
  • Card/ Account Number
  • Amount to be transferred
  • Name of issuing organisation
  • Biller Code and Reference Number

What debts can be included in a Balance Transfer? Navigation Show below Hide below

You can request to transfer account balances from other financial institutions and stores, such as:

  • Other credit cards
  • Personal loans
  • Other types of unsecured credit

The balances being transferred must be in the name of the Primary Accountholder of the Coles Mastercard.

What debts cannot be included in a Balance Transfer? Navigation Show below Hide below

You cannot include the following in a Balance Transfer:

  • Account balances from financial institutions/stores outside Australia
  • Amounts greater than your available credit limit and/or greater than 80% of the credit limit of your Coles Mastercard

How much can I transfer? Navigation Show below Hide below

You can request a transfer for amounts between $500 and 80% of the available Credit Limit on your Coles Mastercard. For example, if you are approved for a $10,000 credit limit, you can apply to Balance Transfer up to $8,000. Your Credit Limit is subject to our credit criteria.

A minimum of $500 applies per Balance Transfer request. You can transfer as much of the balance from your other credit card, store card, personal loan or lines of credit as you like, provided the amount is no more than 80% of the credit limit on your Coles Mastercard. For example, if you are approved for a $10,000 credit limit, you can Balance Transfer $8,000.

What happens if the total amount of the balances I want to transfer are more than my Credit Limit? Navigation Show below Hide below

Balance Transfers can only be processed up to 80% of your total Credit Limit. For existing Accounts, if a Balance Transfer request would result in exceeding your Credit Limit on the day it is processed, we will inform you so you can change your initial amount requested.

How long will a Balance Transfer take to process? Navigation Show below Hide below

Balance Transfers can take up to 10 business days to process and you should allow additional time for any cheques to be received at the other financial institution.

You can monitor your account through the Online Service Centre or Coles Mobile Wallet App to check if the balance transfer has been processed.

How will my Balance Transfer affect my interest free days? Navigation Show below Hide below

While you have an active balance transfer on your account, interest-free days do not apply on purchases. Once your balance transfer is paid off in full, interest-free days will apply on purchases in line with the Coles Mastercard Terms and Conditions.

Why might you consider a Balance Transfer? Navigation Show below Hide below

Balance transfers can help:

  • Save you money on interest, if you are eligible for a promotional balance transfer rate
  • Reduce the annual fees you pay, if you consolidate multiple credit cards balances in one and close other cards
  • Combine multiple monthly payments into one, if you do a Balance transfer from multiple credit cards or personal loan products.

But you should remember, that they can’t:

  • Pay your debt faster; it’s up to you to pay off your credit card by repaying more than just the minimum amount every month
  • Eliminate all annual fees, as you may still be required to pay for the annual fee of the credit card you wish to bring all the balances to
  • Eliminate all interest, as you may still be charged interest on purchases you make or if you don’t repay your account balance by the end of the promotional period
  • Stop your monthly repayment obligations, as you will still be required to pay the minimum payment for the credit card you wish to make the balance transfer to

How do I register for the Online Service Centre? Navigation Show below Hide below

To register for the Online Service Centre, go to osc.coles.com.au and click “Register”. Please have the following handy:

  • Your Card or Account Number
  • The CVV on the back of your Card
  • Your ATM PIN (if your Coles Mastercard was approved prior to 3 March 2018)
  • Your date of birth (if your Coles Mastercard was approved after 3 March 2018)
  • A mobile phone to receive a One-Time PIN (if your Coles Mastercard was approved after 3 March 2018)

You will then be asked to create your username and password.

How do I login? Navigation Show below Hide below

To login, go to osc.coles.com.au and enter the username and password you created during registration. If you are having troubles with login, please call us on 1300 306 397.

What do I do if I forget my username or password? Navigation Show below Hide below

To retrieve your username:

  • Go to osc.coles.com.au and click “Forgot Username”
  • If your Coles Mastercard was approved prior to 3 March 2018, enter your card or account number, the CVV (three digit number on the back of the card), and your ATM PIN
  • If your Coles Mastercard was approved after 3 March 2018, enter your card or account number, the CVV (three digit number on the back of the card), and your date of birth, then enter the One-Time PIN sent to your mobile phone

To reset your password:
  • Go to osc.coles.com.au and click “Forgot Password”
  • If your Coles Mastercard was approved prior to 3 March 2018, enter your card or account number, the CVV (three digit number on the back of the card), and your ATM PIN
  • If your Coles Mastercard was approved after 3 March 2018, enter your card or account number, the CVV (three digit number on the back of the card), and your date of birth, then enter the One-Time PIN sent to your mobile phone
  • Create a new password following the guidelines shown

How much does the Coles Mobile Wallet App cost? Navigation Show below Hide below

You can activate your card in the Online Service Centre in three ways:

  • When you register for the Online Service Centre, you will be prompted to activate your card
  • On the homepage, click “Activate” next to the card you wish to activate
  • Click the card you wish to manage, click “Manage My Card”, and click “Activate” next to activation status

To activate your card you will need to enter the CVV (three digit number on the back of the card).

You may also activate by calling 1300 306 397.

How do I change my PIN? Navigation Show below Hide below

To change your PIN in the Online Service Centre

  • Click on the card you wish to manage
  • Click “Manage My Card”
  • Click “Change PIN”

You may also activate by calling 1300 306 397.

How do I view my statements in the Online Service Centre? Navigation Show below Hide below

To view your statements:

  • Go to osc.coles.com.au and login using your username and password
  • Click the card for which you’d like to view statements
  • Click “View statement”
  • Select the year of the statement, then click the statement you’d like to view

What is the Coles Mobile Wallet App? Navigation Show below Hide below

The Coles Mobile Wallet App is our mobile banking and loyalty app, designed for iPhone and Android devices. It allows you to manage your Account 24 hours a day with access to your Account Balance, available credit and transaction history. It also lets you view your flybuys account points balance, access, and activate a great range of exclusive flybuys offers. Plus you can use the app to activate and deactivate your Coles Pay Tag to give you an additional layer of security.

How can I get the Coles Mobile Wallet App? Navigation Show below Hide below

It's easy. Simply download the app from the App Store for iPhone devices or Google Play for Android devices and follow the quick registration process. The name of the app is “Coles Mobile Wallet App".

How much does the Coles Mobile Wallet App cost? Navigation Show below Hide below

The Coles Mobile Wallet App is free.

Note: Like any application that you can download to a device, your telecommunications service provider may charge data or call costs when you download or access the app as per your plan or agreement.


How do I register for the Coles Mobile Wallet App? Navigation Show below Hide below

You access registration in the Coles Mobile Wallet App or in the Online Service Centre. The same username and password is used for both.


If you want to sign into your flybuys membership, you’ll also need your flybuys password.

How do I sign in to flybuys in the Coles Mobile Wallet App? Navigation Show below Hide below

Your flybuys Membership Number will be prepopulated based on the flybuys membership linked to your Coles Mastercard Account. In addition to this membership number, you will need your flybuys password. If you do not know your password, or have not signed in to the flybuys website before – please sign up here.

 

What is a Coles Pay Tag? Navigation Show below Hide below

A Coles Pay Tag is a mini credit card sticker and flybuys barcode in one, which you can stick to the back of your mobile phone or anywhere else you find convenient. By leveraging the same functionality as contactless, the Coles Pay Tag enables you to make quick and easy payments by tapping, everywhere you see the contactless symbol. It also enables you to collect additional flybuys points at participating flybuys retail partners by scanning the barcode on your Coles Pay Tag.

How can I get a Coles Pay Tag? Navigation Show below Hide below

If you are the Primary Cardholder, you can request a Coles Pay Tag by calling us on 1300 306 397.

How do I activate my Coles Pay Tag? Navigation Show below Hide below

To activate your Coles Pay Tag, you can:

  • Go to osc.coles.com.au and login with your username and password, select your Coles Pay Tag, go to “Manage My Card”, and click “Activate”
  • Download the Coles Mobile Wallet App and follow the prompts
  • Call 1300 306 397

You will need your Coles Pay Tag number to do this. You can locate this number in the letter you received with your Coles Pay Tag. If you don’t have this letter, a member of our Customer Support Team will be able to help you.

How do I use my Coles Pay Tag? Navigation Show below Hide below

1. Look for the contactless symbol
2. Scan the flybuys barcode on your Coles Pay Tag to collect your flybuys points at participating retailers
3. Hold your Coles Pay Tag over the edge of the terminal display
4. Wait for the green light to confirm payment

How secure is the Coles Pay Tag? Navigation Show below Hide below

The Coles Pay Tag offers you the same protection against fraud and security as your Coles Mastercard. You’ll also need to use a PIN for all transactions of $100 or over, and the in-built chip provides protection against the chance of your personal details being copied. As an additional layer of security, you can also activate and de-activate the Coles Pay Tag using the Coles Mobile Wallet App.

How will I receive my Statement if I opt in to eStatements? Navigation Show below Hide below

We will send your eStatement to your nominated email as a PDF attachment that is password protected. You can also log on to the Online Service Centre at any time to search and view up to 7 years’ worth of eStatements.

Will my eStatement look the same as the paper statement I receive in the mail? Navigation Show below Hide below

Yes, the PDF eStatement will look the same as your paper statement. You can download, save and print your eStatements in the same format as a paper statement.

Are eStatements and other electronic communications secure? Navigation Show below Hide below

eStatements and eNotices are password protected so only you can access them.
Data Security: when you open your eStatement or other electronic communications, you should make sure you close all open browsers in order to protect your account information.

It's recommended that you remove the temporary internet files from your internet browser after viewing your electronic communications.

How do I switch to receive Statements and some notices electronically? Navigation Show below Hide below

If you have received an enrolment email, all you need to do is click the “Enroll in eCommunications” button provided. Your registration will be processed within 10 business days and you will begin to receive your first eStatement after this date.

You can also enroll in ecommunications at anytime via the Online Service Centre:

  1. Log in to the Online Service Centre
  2. Click “My Statements”, then click “Statement Preferences”
  3. Click “Update enrolment details” and set your eCommunications password which will be used each time you open your eStatement
  4. Agree to the Electronic Communication Consent
  5. Confirm your enrolment

When will I receive my first eStatement? Navigation Show below Hide below

You will be enrolled for eStatements within 10 business days of submitting your registration request, and will receive your first eStatement the next time a Statement is issued for your account.

What happens if I switched to eStatments but don't receive one? Navigation Show below Hide below

You should first log on to the Online Service Centre and confirm that your email address is correct. If it's incorrect, please update it by:

  1. Log in to the Online Service Centre
  2. Click “My Profile”, scroll down to Contact Information and Edit your Email Address.
If you find that the email address is correct but you did not receive an email notification, please check your junk/spam folder of your email account and add comms@secure.coles.com.au to your Safe Sender list.

If your email address is correct and you have added comms@secure.coles.com.au to your Safe Sender list, please call our Customer Support Team on 1300 306 397 to confirm whether a Statement was issued for your account that month. In some situations, such as if you have not made transactions on the account and do not have an outstanding balance, you might not be issued a Statement.

Do I need to let Coles Mastercard know if I change my email address? Navigation Show below Hide below

Yes, it is your responsibility to keep all of your contact details up-to-date, including your email address.

To update your email address:

  1. Log in to the Online Service Centre
  2. Click “My Profile”, scroll down to Contact Information and Edit your Email Address.
  3. OR call our Customer Support Team on 1300 306 397

What is the password for electronic communications? Navigation Show below Hide below

Your default password is your date of birth in the following format DDMmmYYYY (i.e. 10Jan1970). You have the option to change this to a password of your choice.

We recommend that you change your default password immediately.

How do I retrieve my electronic communications password? Navigation Show below Hide below

You can't retrieve your password for eStatements but you can reset it with the following steps:

  1. Log in to the Online Service Centre
  2. Click “My Statements”, then click “Statement Preferences”
  3. Click “Update enrolment details” and set your eCommunications password which will be used each time you open your eStatement
  4. Agree to the Electronic Communication Consent
  5. Confirm your enrolment

Can I save or print my eStatements? Navigation Show below Hide below

Yes, you can download and save any of your eStatements as a PDF on your computer. They can also be printed.

How far back can I retrieve my Statements? Navigation Show below Hide below

You can search and view up to 7 years' worth of statements on the Online Service Centre.

Can I choose to receive both eStatements and paper statements? Navigation Show below Hide below

No, once you have enrolled for eStatements, you will no longer receive paper statements.

Can I de-enroll from eStatements and other electronic communications? Navigation Show below Hide below

Yes, you can elect to receive paper statements and notices by de-enrolling from electronic communications at any time. If you opt to receive paper statements, you may be charged a paper statement fee.

  1. Log in to the Online Service Centre,
  2. Click “My Statements” then click “Statement Preferences”
  3. Click “Cancel enrolment” and confirm

About your statement

 

Your statement tells you how much you've spent, how much available credit you have left and when your minimum monthly payment is due.

How to read your statement

For more information on your statement, please see our FAQ page.

Hardship

We’re here when you need us most

 
We are here to understand your situation and tailor our solutions to best suit your individual needs. So whether your situation is caused by unemployment, injury or illness, divorce, a natural disaster or an unexpected reduction in your income, we are here to help you get back on track.

Hardship Assistance
Phone: 1800 931 356
Email:
hardship@secure.coles.com.au

Operating hours for contact number Monday to Friday, 9am – 5pm (AEST)

Outside Support
You can get free independent counselling and advice from a Financial Counsellor.

For a comprehensive listing of Financial Counsellors please visit the FCA website.

To talk to a Financial Counsellor by phone (or for referral) ring 1800 007 007 from anywhere in Australia.

You can get additional information through the following website:

> ASIC: moneysmart.gov.au

Your important documents


Important information involving your Coles Mastercard and credit provider are included in these documents. It is important that you read them carefully.

Important Information

All the documents and forms you need.
Find out more

Terms of Use


Find out more

Card Security and Protection


Find out more

Account Cover Plus

Optional cover purchased prior to 25th February 2018.
Find out more

Travelling Overseas

 

Ensure you’re connected with your accounts to help you stay safe and secure while you’re away.


Credit Card Tips:
Update your mobile number
It’s important that you make sure we have your correct mobile number that you’ll be using while overseas so that we can contact you if there is any suspicious activity on your account. You will also need your mobile number to receive your One-Time PIN (OTP) in the Online Service Centre. You can update your mobile number by logging into the Online Service Centre.

Check the expiry date on your card
Have a look at your Credit Card before you leave. If your card is due to expire or it will expire when you are overseas and you haven’t received your new card, please contact us a member of our Customer Support Team to assist.

Know your PIN number
Make sure you know the PIN number for your Credit Card as some countries require a PIN to make purchases. Simply go to the Online Service Centre to create or change your PIN.

More travel tips
Check out www.smartraveller.gov.au - this Government website has handy travel tips, advice and all the latest travel advisory warnings. If your card is lost or stolen, please call us immediately on +61 1300 306 397.

Coles Mastercard flybuys participants

Customers with this card only collect flybuys points at the following flybuys participants:

flybuys participants include: First Choice Liqor, Coles Express, Kmart Tyre and Auto, Target Country, Liqorland, Coles, BiLo, Target, Liqorland Direct and Kmart

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. 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.

3 2,000 flybuys points are required to redeem $10 off at the checkout each time. Number of required points could change. 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 product purchases, Coles Group gift cards and iTunes cards).

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.