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.
* The International Transaction Fee for Retail Purchases is waived on the Coles Rewards Mastercard, however any Cash Advance in foreign currency, or a Cash Advance made outside of Australia, will continue to incur an International Transaction fee of 2.50% of the transaction value when converted to Australian dollars, plus any other fees applicable to an International Cash Advance from the date of the transaction.
2 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).
3 Receive 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 Offer can be withdrawn at any time.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.
4 The maximum 55 days Interest Free Period applies when you pay your outstanding balance in full for two consecutive months. If you carry a balance on your Account from month to month, the Interest Free Period does not apply and you are charged interest from the date you make a Retail Purchase. No Interest Free Period is available on Cash Advances or while you a have Balance Transfer.
5 If your Coles Platinum Mastercard was approved on or after 5 March 2018, Complimentary Insurance cover is provided to your Account under a Group Policy issued by AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 to Citigroup Pty Limited ABN 88 004 325 080, AFSL and Australian credit licence 238098 and is subject to Terms, Conditions, and exclusions, some limits may apply. For full Terms and Conditions of the cover applicable to you see http://www.coles.com.au/platinum-mastercard/insurance-terms .
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.