Collect flybuys points on eligible spend which you can turn into rewards.1
Collect 2 points per $1 on eligible spend, and treat yourself to thousands of rewards at flybuys online rewards store.1
19.99% p.a. 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.
0% p.a. for 6 months (reverts to Cash Advance rate).^ No interest free days apply while you have a Balance Transfer.
Late Payment Fee:
$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:
Paper Statement Fee:
$2 per statement.
International Cash Advance Fee:
International Transaction Fee:
The International Transaction Fee for Retail Purchases is waived on the Coles Rewards Mastercard, however any Cash Advance in foreign currency, or a Cash Advance made outside of Australia, will continue to incur an International Transaction fee of 2.50% of the transaction value when converted to Australian dollars, plus any other fees applicable to an International Cash Advance from the date of the transaction.
Collect 2 points per $1 on eligible spend1
No international transaction fee on purchases - when you're shopping online or when you're overseas.3
$10 off your Coles supermarket shop instantly at the checkout when you redeem 2,000 flybuys points.6
Mastercard and flybuys card in one so you only have to carry one card instead of two.
Complimentary access to our 24/7 worldwide concierge.8
The 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.
Protected by the Coles Shield.
Three layers of defence against credit card fraud and theft.
Protects the items you buy with your card in case they’re permanently lost, stolen or accidentally damaged.9
Simply use your Coles Rewards Mastercard to collect 2 points per $1 on eligible spend.1
OR collect 3 points per $1 spent on eligible spend when you scan your flybuys barcode at the checkout of any of the below partners.5
Outstanding Value Travel Credit Card
Outstanding Value Rewards Credit Card
Best Non-Bank Rewards Credit Card 2017
Experts Choice Rewards Credit Card
Experts Choice Retail Rewards Credit Card
Outstanding Value Travel Credit Card
Outstanding Value Rewards Credit Card
1 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.
2 Velocity Frequent Flyer members must link their Velocity membership to their flybuys household to enable the transfer of their flybuys points to Velocity Points. Linked households may transfer a minimum of 2,000 flybuys points (equivalent to 870 Velocity Frequent Flyer Points) per redemption and a maximum of 138,000 flybuys points (equivalent to 60,030 Velocity Frequent Flyer Points) for Velocity Frequent Flyer Points per household, per calendar year. flybuys points can only be transferred in increments of 2,000. Visit at www.flybuys.com.au/transfer to transfer flybuys points. flybuys points transferred for Velocity Frequent Flyer points will be credited to the linked Velocity accounts. Standard flybuys Terms and Conditions apply to the collection of flybuys points available at www.flybuys.com.au/about/flybuys-terms-and-conditions. Standard Velocity Frequent Flyer Terms and Conditions available at www.velocityfrequentflyer.com/content/TermsConditions apply once points are transferred to Velocity Frequent Flyer. To earn and redeem Velocity Points you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Terms and Conditions, as amended from time to time. flybuys points awarded for using a Coles Mastercard linked to your flybuys membership are in addition.
3 The International Transaction Fee for Retail Purchases is waived on the Coles Rewards Mastercard, however any Cash Advance in foreign currency, or a Cash Advance made outside of Australia, will continue to incur an International Transaction fee of 2.50% of the transaction value when converted to Australian dollars, plus any other fees applicable to an International Cash Advance from the date of the transaction. .
4 Velocity Frequent Flyer members must link their Velocity membership to their flybuys household to earn Velocity Frequent Flyer Status Credits. In non-promotional periods the earn rate for Velocity Frequent Flyer Status Credits will be 1 Status Credit for every $100 spent (including GST) each calendar month in total across Coles, Coles online, Liquorland and First Choice Liquor. No part Status Credits will be allocated, only whole Status Credits per $100 spend. The Velocity Frequent Flyer member linked to the flybuys program membership (as at the end of the calendar month) will be awarded the Status Credits. The nominated linked member may earn up to a maximum of 10 Velocity Frequent Flyer Status Credits per calendar month. Spend excludes tobacco and tobacco related products, charity donations and gift card purchases. Please allow up to 2 weeks after the end of each calendar month for your Velocity Frequent Flyer Status Credits to be credited. Velocity Frequent Flyer Status Credits will not appear on your flybuys statement; see your Velocity account for your total Status Credit balance. Velocity members also need to fly on Virgin Australia marketed flights to earn Eligible Sectors in addition to Status Credits to upgrade or maintain a new level of membership.
5 That’s 2 standard flybuys points awarded for using a Coles Rewards Mastercard on eligible transactions (see exclusions 1 above) and 1 flybuys point awarded by flybuys partners. Standard flybuys Terms & Conditions apply see flybuys.com.au.
6 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).
8 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.
9 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.
^ 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.
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.
Money magazine award: The Coles Rewards Mastercard won Best Non-Bank Rewards Credit Card, 2017.
Canstar awards: The Coles Rewards Mastercard received Canstar's 5-Star Rating for Outstanding Value Travel Credit Card in both Occasional Traveller and Regular Traveller profiles in 2018.
The Coles No Annual Fee Mastercard received Canstar's 5-Star Rating for Outstanding Value Travel Credit Card in the Occasional Traveller profile in 2018.
The Coles Rewards Mastercard received Canstar's 5-Star Rating for Outstanding Value Rewards Credit Card in the $60,000 & $120,000 annual spend categories in October, 2018.
Mozo awards: The Coles Rewards Mastercard won Experts Choice Rewards Credit Card and Retail Rewards Credit Card, in 2017.