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Coles no annual fee Mastercard

Rewards Mastercard

Earn Flybuys points quickly with everyday purchases and get access to offers. 

Enjoy 50,000 Flybuys bonus points when you spend $3,000 on eligible purchases within 3 months from approval.1

  Offer ends on 30 June 2024.

Features and benefits

  • Annual card fee $99 with up to 55 days interest free on Retail Purchases+

  • Purchase interest rate 19.99% p.a.

  • Minimum credit limit of $1,000

  • Collect 2 Flybuys points per $1 on eligible purchases up to and including $3,000 in each Statement Period and then collect 1 Flybuys point per $1 thereafter.*

Coles no annual fee Mastercard

No Annual Fee Mastercard

Pay no annual fee ever and be rewarded with Flybuys points when you use your card.

Enjoy 0% p.a. on purchases for 6 months.2 Applies to Retail Purchases (excludes Cash Advances). Reverts to ongoing purchase rate.

  Offer ends on 30 June 2024.

Features and benefits

  • Pay no annual fee ever with up to 55 days interest free on Retail Purchases+

  • Purchase interest rate 19.99% p.a.

  • Minimum credit limit of $1,000

  • Collect 1 Flybuys point per $2 on eligible purchases*

Coles Low Rate Mastercard

Low Rate Mastercard

Enjoy low rate every day while earning rewards when shopping at Coles. 

Enjoy 0% p.a on Balance Transfers for 15 months. 1.5% Balance Transfer fee applies. Reverts to Cash Advance rate.3

  Offer ends on 30 June 2024.

Features and benefits

  • Annual card fee $58 with up to 55 days interest free on Retail Purchases+

  • Low variable purchase rate of 12.99% p.a.

  • Minimum credit limit of $1,000

  • Collect 1 point for every $2 on purchases at Coles Supermarkets*

  • No interest free days apply to Retail Purchases while you have a balance transfer. 

The features listed on this page apply to new applicants only. Please see our existing customers page if you already have a Coles Mastercard.

Awards canstar mozo finder

Multi-award winning Rewards Credit Card

Winner of Canstar’s 5-Star Rating for Outstanding Value Rewards Credit Cards from 2020-2023~, Mozo’s Experts Choice Award for best Rewards Credit Card for 2020, and Money magazine's best Non-Bank Credit Card issuer of the Year for 2021 and Finder’s Highly Commended Credit Card Customer Satisfaction Awards 2023.


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Coles credit cards and personal loans are issued by National Australia Bank Limited.

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The best card for you:

Rewards Mastercard

Coles Rewards Mastercard
BONUS POINTS OFFER¹

Annual fee

$99

Purchase rate

19.99% p.a. on Purchases

Interest free days on Retail Purchases+

Up to 55

 

2 Flybuys points per $1 on eligible purchases*

Enjoy 50,000 Flybuys bonus points when you spend $3,000 on eligible purchases within 3 months from approval.1 Apply for a Coles Rewards Mastercard by 30 June 2024.
 

Collect 2 Flybuys Points per $1 on eligible spend up to and including $3,000 in each Statement Period and then collect 1 Flybuys Point per $1 thereafter.*

The best card for you:

Low Rate Mastercard

Coles Low Rate Credit Card
BALANCE TRANSFER OFFER³

Annual fee

$58

Purchase rate

12.99% p.a.

Interest free days on Retail Purchases+

Up to 55

 

1 point for every $2 at Coles Supermarkets*

Enjoy 0% p.a on Balance Transfers for 15 months. 1.5% Balance Transfer fee applies. Reverts to Cash Advance rate.3 No interest free days apply to Retail Purchases while you have a balance transfer. Apply for a Coles Low Rate Mastercard by 30 June 2024.

The best card for you:

No Annual Fee Mastercard

Coles No Annual Fee Credit Card
PURCHASE RATE OFFER²

Annual fee

$0

Purchase rate

19.99% p.a.

Interest free days on Retail Purchases+

Up to 55

 

1 point per $2 on eligible purchases*

Enjoy 0% p.a. on purchases for 6 months.2 Applies to Retail Purchases (excludes Cash Advances). Reverts to ongoing purchase rate. Apply for a Coles No Annual Fee Mastercard by 30 June 2024.

To obtain a copy of the Target Market Determination (TMD) related to this product click here. 

Terms and conditions
Credit card criteria

Spend and credit criteria, fees and charges, terms and conditions apply.  Individuals must be 18+. Offers available to new customers only and is not available with any other offer. 

1You will receive 50,000 Bonus Flybuys Points when you apply for a Coles Rewards Mastercard by 30 June 2024, are approved and then spend $3,000 or more on eligible Retail Purchases (excluding Cash Advances, Balance Transfers, Special Promotions, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges, refunds and chargebacks) in the first 3 months of the Account approval date (spend period). Please note, purchases must be processed and charged to your account within the spend period. You will receive the Bonus Flybuys Points within 4 weeks of meeting the required $3,000 spend, credited to the Flybuys Membership Account linked to your Coles Mastercard. Include your Flybuys number on your application to receive this offer. This offer cannot be used in conjunction with any other offer. Your Coles Mastercard needs to be in good standing (for example – your account is not in default, suspended or closed) for the Bonus Flybuys Points to be awarded. This offer is not available when closing or transferring from another Coles branded credit card account or in conjunction with any other Coles branded credit card offer. Points will be forfeited if you close your Account before we instruct Flybuys to credit them to your Flybuys Membership Account. Standard Flybuys terms and conditions apply and are available at flybuys.com.au.

2The promotional rate of 0% p.a. will apply to Retail Purchases (excludes Cash Advances) for 6 months from the date your Account is approved, and you will need to pay the Minimum Payment Due each month. At the end of the promotional period, any outstanding Retail Purchase Balance and any new Retail Purchases will attract the applicable Annual Percentage Rate for Retail Purchases, currently 19.99% p.a for a Coles No Annual Fee Mastercard. Annual Percentage Rates are variable and subject to change. This offer is valid until 30 June 2024. Post this advertised date; NAB reserves the right to continue, withdraw or change the offer at any time without notice. This offer is not available if you have recently closed or currently hold another Coles Credit Card. Payments will be applied to your account as per the Credit Card Terms and Conditions and Other Important Information at coles.com.au/mastercard-important-information

3Your 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 15 months and a one-off Balance Transfer Fee of 1.5% of the Balance Transfer amount, which applies. The 15 month promotional period commences when the Balance Transfer is processed and you must make the Balance Transfer request within 3 months from approval to receive this offer. The Balance Transfer Fee of 1.5% of the Balance Transfer amount will be charged once your Balance Transfer is processed. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance and Balance Transfer fee 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 30 June 2024. Post this advertised date NAB 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.

 +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. 

Redeeming and earning Flybuys Points

*For 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 an eligible purchase 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, 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 are 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 Account 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

Awards

~The Canstar 5-Star Rating for Outstanding Value Rewards Credit Cards in 2020, 2021, 2022, 2023 was awarded to the Coles Rewards Mastercard.

Other

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Coles unsecured credit products are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) and distributed by Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708. NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the products. Coles receives commission for the introduction of credit business to NAB.