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

Save $10 instantly at the checkout every time you redeem 2,000 flybuys points.1

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Terms & conditions

* Credit criteria, fees and charges, terms and conditions apply. New customers only who apply for a Coles No Annual Fee or Low Rate Mastercard by 31 January 2020. The promotional rate of 0% p.a. will apply to Retail Purchases (excludes Cash Advances) for 12 months from the date your account is approved. Minimum monthly repayments required. At the end of the promotional period, any outstanding Retail Purchase Balance and any new Retail Purchases will attract the variable Annual Percentage Rate for Retail Purchases, currently 19.99% p.a for a Coles No Annual Fee Mastercard and 12.99% p.a. for a Coles Low Rate Mastercard. Interest rates are variable and subject to change. This offer cannot be used in conjunction with any other offer and is not available when closing/transferring from another Coles Credit Card. 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 12 months. The 12 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 No Annual Fee Mastercard and Low Rate Mastercard. Please note you are not entitled to the Interest Free Period on Retail Purchases, fees and charges 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 January 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. Payments will be applied to your account as per the Credit Card Terms and Conditions and Other Important Information. If your account has amounts owing that relate to just the balance transfer and retail purchase promotional plans, payments will first be applied to the promotional plan that commenced earlier. The balance transfer promotional plan commences once the balance transfer is processed and the retail purchase promotional plan commences from the date your account is approved.

1 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 (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 www.coles.com.au/rewards-mastercard/terms-conditions. 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 flybuys.com.au. 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 credit card. 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 coles.com.au/mastercard-important-information

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.

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