Credit Cards

Choose the card that's right for you

Coles Low Rate MasterCard

Our lowest rate.

An everyday low interest rate on purchases6

Annual fee:

Purchase interest rate:

flybuys points:

$58

12.99% p.a.

1 point for every $2 at Coles Supermarkets5

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 spend5

6 more reasons to choose a Coles Credit Card

Terms & conditions

Credit criteria, fees and charges, terms and conditions apply.

1 New customers who apply for a Coles No Annual Fee or Coles Low Rate Mastercard® by Fri 9 Aug 2019 and make a purchase (excludes Cash Advances) in the first 30 days of the Account approval date will, within 3 weeks of the first purchase, be credited their choice of $100 off a single Coles Supermarket shop or 20,000 BONUS POINTS. The chosen offer will be available on the flybuys account linked to your Coles Mastercard. Include your flybuys number on your application to receive this offer. To redeem the $100 off offer, you must scan your flybuys barcode and spend a minimum of $100.05 after savings and discounts in one transaction at Coles Supermarkets (excluding gift cards, iTunes cards, tobacco and tobacco-related purchases. $100 off can only be used once and expires 90 days from the day it is applied to your flybuys account). Excludes Coles Express and Coles Online. You have been specifically selected for this offer and it is not transferable. This offer cannot be used in conjunction with any other offer.

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 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 at 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.

4 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).

5 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.

6 New customers only. The standard interest rate of 19.99% p.a. applies to cash advances.

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.