Credit Cards

Terms and conditions

Credit card criteria

* Credit criteria, fees and charges, terms and conditions apply. Individuals must be 18+. New customers only who apply for a Coles No Annual Fee Mastercard or Coles Rewards Mastercard by 31 October 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 October 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 for balance transfer information.

¹ 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 October 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 October 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 for balance transfer information.

³ Apple Pay is available on compatible Apple devices. Please read Terms and conditions that apply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

⁴ Samsung Pay is available on compatible Samsung devices. Please read Terms and conditions that apply to the use of Samsung Pay. Samsung, Samsung Pay, Galaxy S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

⁵ 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.

⁶ 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.

⁷ 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

Redeeming and earning Flybuys points

^{^} 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 after savings and discounts in one transaction at Coles Supermarkets (excluding gift cards, iTunes cards, tobacco and tobacco related purchases).

²For the Low Rate Mastercard, Flybuys points are earned on Coles Spend which means Eligible Transactions at Coles Supermarkets. For the No Annual Fee Mastercard and Rewards Mastercard, Flybuys points are earned on eligible spend which is an Eligible Transaction 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 such as interest and ATM charges,  transactions made using Flybuys points and government related transactions. Both Coles Spend and Eligible Transactions is defined in the Coles Mastercard Rewards Terms and Conditions found at www.coles.com.au/mastercard-important-information.  The number of Flybuys points awarded is calculated by reference to the Australian dollar amount of the transaction.  Flybuys points awarded for using a Coles Mastercard linked to your Flybuys membership are in addition to Flybuys points awarded by Flybuys partners and will  be allocated by Flybuys in accordance with the Flybuys terms and conditions found at flybuys.com.au.