Terms & conditions
^ Offer only available for new applicants who are approved for a Coles Credit Card between 7 October and 31 December 2015. 0% p.a. on purchases for 15 months applies from the date of card approval. Excludes cash advances and cash equivalents. After 15 months from the date of card approval, interest on purchases for the No Annual Fee and the Rewards MasterCards will be charged at 19.99% p.a. After 15 months from the date of card approval, interest on purchases for the Low Rate MasterCard will be charged at 12.99% p.a. Applications are subject to credit approval. Minimum payments required each month. Paying only the minimum monthly payments will not pay out the balance of your 15 months interest free purchases. Standard fees and charges are payable. Offer cannot be used in conjunction with any other offer and is not available when closing/transferring from another Coles Credit Card. Terms and conditions available here.
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, Coles Group gift cards and iTunes cards).
2 Savings only apply for first year of policy and apply to comparable comprehensive policies switched. Compared policies cover a comparable list of insured events. Other benefits may differ. Price beat guarantee available for a limited time and may be withdrawn at any time. Any discounts on your premium (inc. online and online/flybuys discount where applicable) are calculated and applied before application of price beat guarantee. Contact Coles Insurance call centre to check availability. Full terms and conditions (PDF, 219kb).
3 For a fully underwritten comparable policy. Evidence may be required on application and each renewal. A "Direct Life Insurer" sells life policies direct to the public and excludes group policies and policies sold via an adviser, broker, superannuation fund or employer. May be withdrawn at any time. Call 1300 880 095 to check availability. For terms and conditions, see colesinsurance.com.au/special-offers. Underwriting criteria apply.
4 Online discount and online/flybuys discount are calculated on and applied to your Coles Insurance premium before the application of any other discount. This discount offer may be withdrawn at any time. Full terms and conditions (PDF, 75kb).
5 flybuys discount is calculated on and applied to your Coles Life Insurance premium before the application of any other discount. This discount offer may be withdrawn at any time. Full terms and conditions (PDF, 205kb).
6 Receive free delivery each time you spend $100 or more with a Coles MasterCard at shop.coles.com.au. Offer can be withdrawn at any time. Offer excludes tobacco and tobacco related purchases and remote delivery orders. To see if we deliver to your area, visit shop.coles.com.au and enter your postcode. Normal delivery terms and conditions apply.
*After savings and discounts and excluding gift cards and smoking/tobacco product purchases. Coles means Coles Supermarkets, BiLo and Coles Online only. Up to 1,000 EXTRA POINTS per policy per month. No EXTRA POINTS collected on any third party car insurance policies. EXTRA POINTS collected from the date your flybuys membership is linked to your Coles Insurance policy and for the term of the policy. No EXTRA POINTS will be collected for the month in which your policy terminates. $60 based on 1,000 EXTRA POINTS per policy per month when you redeem 2,000 flybuys points for $10 off your Coles shop. Standard flybuys Terms and Conditions apply.
Coles Credit Cards: MasterCard® and the MasterCard brand mark are registered trademarks and PayPass is a trademark of MasterCard International Incorporated. Credit facility provided by Wesfarmers Finance Pty Ltd ABN 58 601 282 455, Australian Credit Licence number 470916.
Coles Car, Home and Landlord Insurance: Coles Supermarkets Australia Pty Ltd and Loyalty Pacific Pty Ltd are authorised representatives of the issuer, WFI Insurance Limited (ABN 24 000 036 279 AFSL 241461).
Coles Life Insurance: Coles Supermarkets Australia Pty Ltd and Loyalty Pacific Pty Ltd are authorised representatives of the issuer, MetLife Insurance Limited (ABN 75 004 274 882) (AFSL 238096).
Standard underwriting criteria apply. Coles receives commission for each insurance policy sold. Consider the Product Disclosure Statement and terms and conditions available at www.colesfinancialservices.com.au to see if it’s right for you. Any advice provided is of a general nature only and does not take into consideration your objectives, financial situation or needs. Before acting on any advice you should consider its appropriateness.