No annual fee. Ever.

With a Coles No Annual Fee Mastercard you enjoy no annual fee - ever. Plus you’ll collect flybuys points on your everyday spend. Apply today.

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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.2

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Platinum No Annual Fee Mastercard

You can enjoy the same great features and even more with our Platinum No Annual Fee Mastercard if you’re approved for a credit limit over $6,000 when you apply. 

These benefits include complimentary access to our 24/7 worldwide concierge service, as well as Merchandise Protection Insurance5, which protects the items you buy with your card in case they're lost, stolen or damaged.



Award-winning value

We're proud of the awards our credit cards have won.

Coles Shield - protection against fraud

Feel safe that you're protected by the Coles Shield anytime, anywhere.

Three layers of defence against credit card fraud and theft:

  IncludedThe Falcon™ fraud management system identifies unusual activity on your card and alerts our security experts.
  IncludedWe're available 24/7, 365 days a year, worldwide to report fraud or lost and stolen cards.

IncludedMastercard® Zero Liability Guarantee protects you from fraudulent or unauthorised transactions made using your card.

> Find out more


an image representing Flybuys members get a discount when you buy online As a member of flybuys, you are a member of Australia’s most popular loyalty program.
Membership is free, and flybuys work with some of the largest household names to bring you heaps of extra benefits, and make it easy to collect points for the things you’re already doing, at the places you’re already at.


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. Eligible transactions are explained in the Coles Mastercard Loyalty Terms and Conditions (PDF, 277kb). Eligible transactions exclude cash advances, BPAY payments, credit fees or charges, credits, refunds, reimbursements, business purchases or balance transfers into your account. Standard flybuys Terms and Conditions apply, see Note that partners’ earn rates vary. To upgrade to a Coles Mastercard to collect flybuys points everywhere call 1300 306 397.

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 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 and enter your postcode. Normal delivery terms and conditions apply.

4 To receive interest free days on your everyday Mastercard purchases, you must pay your balance in full every month.

5 See the Insurance Benefits section in the Conditions of Use for details. Merchandise Protection cover is provided by Hallmark General Insurance Company Limited (ABN 82 008 477 647 AFSL 243478).

Mastercard® and the Mastercard brand mark are registered trademarks and PayPass is a trademark of Mastercard International Incorporated. Credit facility provided by Wesfarmers Finance Pty Ltd ABN 58 601 282 455, Australian Credit Licence number 470916.

Coles No Annual Fee Mastercard awarded 5 Stars by CANSTAR for outstanding value in 2014 based on General Rewards and Cash/Voucher Rewards with a $12,000 annual spend.

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

Fast track my flybuys
an icon showing that you can earn faster flybuys points

Not sure which card is right for you? Compare or call us on 1300 306 397