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Terms and conditions

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 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.

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.

Complimentary Insurance cover is provided 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 underwriter Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 to Citigroup Pty Limited 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/platinum-mastercard/insurance-terms.



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.