To find out more about the impact of COVID-19 including changes to our contact centres click here.
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.
Find out about the some of the benefits of having a Coles Mastercard.
For full list of FAQs, please see our FAQ page.
You can request a change to your limit by calling us on 1300 306 397.
We are able to customise solutions based on your individual circumstances. We may be able to provide you:
You can find more information on what to do if you need financial hardship support on the FAQ page.
To request closure of your Account:
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:
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.
To enrol in eStatements:
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:
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.
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.
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.
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.
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:
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.
To get the most out of your Balance Transfer it is important that you follow the below recommendations:
Some of the benefits from closing your other credit cards and loans are:
Once a Balance Transfer is processed on your Coles Mastercard, the interest charges will be as follows:
We will apply payments firstly to:
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.
Call us on 1300 306 397. Balance Transfers can only be requested by the Primary Cardholder.
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:
You can request to transfer account balances from other financial institutions and stores, such as:
You cannot include the following in a Balance Transfer:
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.
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.
Balance Transfers do not collect flybuys points.
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.
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.
Balance transfers can help:
To register for the Online Service Centre, go to osc.coles.com.au and click “Register”. Please have the following handy:
To retrieve your username:
You can activate your card in the Online Service Centre in three ways:
To change your PIN in the Online Service Centre
To view your statements:
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.
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".
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.
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.
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.
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.
If you are the Primary Cardholder, you can request a Coles Pay Tag by calling us on 1300 306 397.
To activate your Coles Pay Tag, you can:
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
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.
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.
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.
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.
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:
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.
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:
Yes, it is your responsibility to keep all of your contact details up-to-date, including your email address.
To update your email address:
You can view your statements online anytime in the Online Service Centre
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.
You can't retrieve your password for eStatements but you can reset it with the following steps:
Yes, you can download and save any of your eStatements as a PDF on your computer. They can also be printed.
You can search and view up to 7 years' worth of statements on the Online Service Centre.
No, once you have enrolled for eStatements, you will no longer receive paper statements.
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.
Important information involving your Coles Mastercard and credit provider are included in these documents. It is important that you read them carefully.
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.
Customers with this card only collect flybuys points at the following flybuys participants:
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 (excluding smoking/tobacco product purchases and all gift 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.