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Coles rewards credit card
Maximise your rewards
Coles No Annual Fee Credit Card
No Annual Fee
Collect Flybuys Points without ever paying an annual fee
Coles Low Rate Mastercard
Low Rate
An everyday low interest rate on purchases
Rates and fees
Security & fraud protection

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


Terms and conditions

Credit card criteria

Credit criteria, fees and charges, terms and conditions apply, and spend criteria may apply. Individuals must be 18+. Offer available to new customers only and is not available with any other offer.  

*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.

+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 a Cash Advance from the date of the transaction.

oComplimentary insurance covers are provided to your Account 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 (“Allianz”). AWP has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Coles credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Coles Platinum Mastercard Complimentary Insurance Policy Information Booklet which can be found at and may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance. For general enquiries call Allianz Global Assistance who issues and manages the Group Policy on behalf of Allianz.

Redeeming and earning Flybuys Points

2 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  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


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 Limited (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.