|Collect 20,000 BONUS POINTS when you apply by 30 September 2019 and spend $500 in the first 60 days from approval.*|
|No annual fee. Ever.|
|Collect 1 point per $2 on eligible spend.2|
|$10 off your Coles supermarket shop instantly at the checkout every time you redeem 2,000 flybuys points.1|
|Enjoy all the benefits of your Coles Mastercard with Apple Pay. It's the easy and secure way to pay. Learn more about Apple Pay.||Use your Coles Mastercard with Samsung Pay to make purchases on the go. Learn more about Samsung Pay.|
|Free Coles Mobile Wallet App lets you view and activate flybuys offers with your phone, while keeping track of your purchases for your convenience and control.|
|Coles Mastercard and flybuys card in one so you only have to carry one card instead of two.|
|Up to 55 days interest free on purchases when you pay your full balance off each month.4|
|Interest rate of 19.99% p.a. on purchases and cash advances.|
|Security and fraud protection - the Coles Shield and Mastercard Zero Liability Gurantee gives you peace of mind.|
|Access your account easily online.|
|Additional cards available with one convenient statement.|
Complimentary access to our 24/7 wordwide concierge.5
Complimentary Insurance - Protects the items you buy with your card in case they’re permanently lost, stolen or accidentally damaged.6
The features listed on this page apply to new applicants only. Please see our existing customers page if you already have a Coles Mastercard.
|Balance Transfer||0% p.a. on Balance Transfers for 6 months (reverts to Cash Advance rate.)+||No interest free days apply while you have a Balance Transfer.|
|Interest rate||19.99% p.a||The interest you pay on purchases and cash advances.|
|Domestic Cash Advance Fee||A Domestic Cash Advance Fee will apply of A$1.95 per transaction amount under A$65.00, and 3.00% of the transaction amount for any transaction equal to or over A$65.00, debited to your Account on the Transaction Date.|| A Domestic Cash Advance Fee will be charged to your Account on the Transaction Date on each occasion you obtain a Cash Advance or carry out a cash equivalent transaction. Some ATMs may charge an additional usage fee.
|International Cash Advance Fee||$5
||A International Cash Advance Fee will apply of A$5.00 per transaction for Cash Advance outside of Australia, debited to your Account on the Transaction Date, in addition to the International Transaction Fee per transaction.|
|International Transaction Fee
||2.50% on all Retail Purchases and Cash Advances
||An International Transaction Fee will apply of 2.50%, debited to your Account on the Transaction Date, of which a service and assessment fee of 1.10% is payable by us to Mastercard, for any Retail Purchase or Cash Advance transaction in:
|Late Payment Fee||$30.00||$30 each time we do not receive the Minimum Payment Due and any Overdue amount by the payment due date, debited to your Account after the payment due date. The minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.
|Over-the-Counter Transaction Fee
||$2.25||You will be charged A$2.25 for each payment made to your Account at Australia Post outlets by cash, cheque or EFTPOS.
|Paper Statement Fee
||$2.00 per statement
||You will be charged a Paper Statement Fee of A$2.00 each month we issue you with a paper statement, debited to your Account in the following Statement Period. This fee may be waived in limited circumstances.
If you’re an existing Coles Mastercard customer the rates and fees listed on this page may not apply to you. Please refer to our existing customer page for more information.
* New customers who apply for a Coles No Annual Fee Mastercard by 30 September 2019, enter their flybuys number in the application form and make purchases (excluding Cash Advances) to the value of $500 or more on the new Coles Mastercard in the first 60 days of the Account approval date will, within 3 weeks of meeting the required $500 spend, be credited 20,000 flybuys BONUS POINTS to the flybuys account linked to the Coles Mastercard. Standard flybuys Terms and Conditions apply, see flybuys.com.au. This offer cannot be used in conjunction with any other offer. You have been specifically selected for this offer and it is not transferable.
+Fees and charges, terms and conditions apply. 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 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 variable Annual Percentage Rate for Cash Advances, currently 19.99% p.a. 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. This offer is valid until 31 December 2019. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice.
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 to Retail Purchases, interest, fees and charges 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 the Interest Free Period whilst you have a Balance Transfer.
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.