Why choose Coles Credit Cards?

No annual fee. Ever.

With a Coles No Annual Fee Mastercard you enjoy no annual fee - ever. Plus you’ll collect flybuys points on eligible spend.2 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.1

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Terms & conditions

*New customers who apply for a Coles No Annual Fee or Coles Low Rate Mastercard by 30 June 2019 and make a purchase (excludes Cash Advances) in the first 30 days of the Account approval date will be credited $100off a single Coles Supermarket shop. The $100 will be available on the flybuys account linked to the Coles No Annual Fee or Coles Low Rate Mastercard for use within 3 weeks of your first purchase. 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. This offer cannot be used in conjunction with any other offer. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Product Issuer and Credit Provider Citigroup Pty Ltd ABN 88 004 325 080 AFSL No. 238098 Australian credit licence 238098 (Citigroup) and distributed by Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708 (Coles). Coles receives commission for the introduction of credit business to Citigroup.

+Fees and charges, terms and conditions apply. New customers only who apply for a Coles No Annual Fee or Coles Low Rate Mastercard by 30 June 2019. 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 15 months. The 15 months 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 Annual Percentage Rate for Cash Advances, currently 19.99% p.a. Please note you are not entitled to the Interest Free Period whilst you have a Balance Transfer. This means that all transactions will be charged interest at the applicable Annual Percentage Rate from the date of the transaction.

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 and BI-LO (excluding smoking/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. An eligible spend is an Eligible Transaction as defined in the Coles Mastercard Rewards Terms and Conditions www.coles.com.au/rewards-mastercard/terms-conditions and means any purchase 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, transactions made using flybuys points and government related transactions. Whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution. 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. Please note you are not entitled to any interest free days to Retail Purchases whilst you have a Balance Transfer. This means that all spend will be charged interest at the applicable Annual Percentage Rate.

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 If your Coles Platinum Mastercard was activated on or after 1 October 2003, the Complimentary Insurance cover provided to your Account under a master policy issued by Hallmark General Insurance Ltd ABN 82 008 477 647, AFSL 243478 (Hallmark General Insurance) to Wesfarmers Finance Pty Ltd, ABN 58 601 282 455, Australian credit licence 470916. The master policy terminated on 04 March 2018.  From 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.

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