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Choose the card that's right for you.

Coles No Annual Fee MasterCard

No annual fee ever.

Collect flybuys points without ever paying an annual fee

Annual fee

Purchase interest rate:

flybuys points:

$0

19.99% p.a.

1 point per $2 on eligible spend#

0% p.a on Balance Transfers for 18 months*

(1.5% BT fee applies. Reverts to Cash Advance rate)
When you apply by 31 August 2020*

Coles Rewards MasterCard

Get rewards faster.

Maximise your rewards and enjoy travel benefits

Annual fee

Purchase interest rate:

flybuys points:

$99

19.99% p.a.

2 points per $1 on eligible spend#

0% p.a on Balance Transfers for 18 months*

(1.5% BT fee applies. Reverts to Cash Advance rate)
When you apply by 31 August 2020*

Coles Low Rate MasterCard

Our lowest rate.

An everyday low interest rate on purchases

Annual fee

Purchase interest rate:

flybuys points:

$58

12.99% p.a.

1 point for every $2 at Coles Supermarkets#

0% p.a on Balance Transfers for 6 months^

(No BT fee applies. Reverts to Cash Advance rate)
When you apply by 31 August 2020^

6 more reasons to choose a Coles Credit Card

Terms & conditions

1 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 (excluding smoking/tobacco related product purchases and all gift cards).

2 flybuys points are only earned on Eligible Transactions and defined in the Coles Mastercard Rewards Terms and Conditions. Standard flybuys Terms and Conditions apply. See flybuys.com.au.

*Credit criteria, fees and charges, terms and conditions apply. Individuals must be 18+. New customers only who apply for a Coles Rewards or No Annual Fee Mastercard by 31 August 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 18 months and a one-off Balance Transfer Fee of 1.5% of the Balance Transfer amount applies. The 18 months promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within 90 days from approval to receive this offer. 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 any interest free days on purchases 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 purchase. This offer is valid until 31 August 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. This offer cannot be used in conjunction with any other offer and is not available when closing/transferring from another Coles Mastercard. For important information to consider before taking up a balance transfer, please click here.

^Credit criteria, fees and charges, terms and conditions apply. Individuals must be 18+. New customers only who apply for a Coles Low Rate Mastercard by 31 August 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 6 months. The 6 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 for a Coles Low Rate Mastercard. Please note you are not entitled to the Interest Free Period on Retail Purchases, 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 August 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.

#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. For No Annual Fee and Rewards credit cards, points are earned on Eligible Transactions. For the Low Rate credit card, points are earned on Coles Spend. Both Eligible Transactions and Coles Spend are defined in www.coles.com.au/rewards-mastercard/terms-conditions. For the avoidance of doubt Low Rate Card purchases at Coles Supermarkets will earn points. Standard flybuys Terms and Conditions apply, see flybuys.com.au. Note that partners’ earn rates vary.

This material has been prepared by Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098 Australian credit licence 238098 and not Velocity Frequent Flyer. Velocity does not hold an Australian Credit Licence and is not the licensee in relation to the credit activity being engaged in by Citigroup who is the credit licensee.

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.