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Low Rate Mastercard

Why choose Coles Credit Cards?

Coles Low Rate Mastercard

The credit card with an everyday low interest rate of 12.99% p.a. on purchases. Plus, collect flybuys points when you shop at Coles Supermarkets.


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Instant $10

$10 off your Coles Supermarket shop

Instantly take $10 off your Coles Supermarket shop, every time you redeem 2,000 flybuys points at the checkout.1

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Terms & conditions

* Credit criteria, fees and charges, terms and conditions apply. New customers only who apply for a Coles Low Rate Mastercard by 31 August 2020. Your total Balance Transfers may not exceed 80% of your Credit Limit. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 6 months. The 6 month promotional period commences when the Balance Transfer is processed. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 19.99% p.a for a Coles Low Rate Mastercard. Please note you are not entitled to any interest free days on purchases whilst you have a balance transfer. This means that all spend will be charged interest at the applicable Annual Percentage Rate from the date of the transaction. This offer is valid until 31 August 2020. Post this advertised date Citi reserves the right to continue, withdraw or change the offer at any time without notice. For important information to consider before taking up a balance transfer, please click here.

1 2,000 flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express, Coles Local and Coles online. Minimum spend is $10.05 after savings and discounts in one transaction at Coles Supermarkets (excluding tobacco and tobacco related product purchases and all gift cards).

2 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. Points are earned on Coles Spend as defined in the Coles Mastercard Rewards Terms and Conditions found at Coles Spend are Eligible Transactions at Coles Supermarkets and are purchases excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges such as interest and ATM charges, transactions made using flybuys points and government related transactions. Standard flybuys Terms and Conditions apply, see Note that partners’ earn rates vary.

4 The Interest Free Period applies when you pay your full Closing Balance from your last Statement by the Payment Due Date (excluding any Fixed Payment Option balance which isn’t due for payment by that Payment Due Date). No Interest Free Period is available on Cash Advances or Balance Transfers. No Interest Free Period is available on Cash Advances or Balance Transfers. Whilst you have a Balance Transfer you will be charged interest on your daily unpaid balance.

5 Concierge is a complimentary service available to the Primary Cardholder of a Coles Platinum Mastercard. Refer to the Coles Mastercard Rewards Terms and Conditions. Concierge Services provided by Aspire Lifestyles (Americas), Inc.

6 Complimentary Insurance 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 insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 to Citigroup Pty Ltd 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

The Coles Drip Cake featured in the previous banner is the Winner of Cakes category, Product of the Year 2020. Survey of 10,000 people by Nielsen. 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.

Combine Coles Insurance or Credit Card products to fast track your flybuys rewards.

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