Rewards Mastercard

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Terms & conditions

* New customers who apply for a Coles Rewards Mastercard by 31 January 2020, enter their flybuys number in the application form and make purchases (excluding Cash Advances) to the value of $3,000 or more on the new Coles Mastercard in the first 3 months of the Account approval date will, within 3 weeks of meeting the required $3,000 spend, be credited 100,000 flybuys BONUS POINTS to the flybuys account linked to the Coles Mastercard. Plus, receive an additional 20,000 flybuys BONUS POINTS within 3 weeks of the first anniversary of Account approval date. Points will be forfeited if you close your Account before they appear in your flybuys account. The Account needs to be in good standing for the flybuys BONUS POINTS to be awarded. Standard flybuys Terms and Conditions apply, see flybuys.com.au. This offer cannot be used in conjunction with any other offer.

^ Credit criteria, fees and charges, terms and conditions apply. New customers only who apply for a Coles Rewards Mastercard by 31 January 2020 . 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 14 months. The 14 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. 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.

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 coles.com.au/mastercard-important-information 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.

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.

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 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

^ 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.

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.