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No wallet, no worries!

With Apple Pay, Samsung Pay and Google Pay, you can pay easily and securely on the go. Enjoy the convenience of your Coles credit card on your phone or watch, and peace of mind knowing that every transaction is authenticated with your phone passcode or biometric ID.

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Coles Instalment Plans


Whether it’s organising or paying off a holiday, planning a wedding or just fixing up the house, Instalment Plans help to give you more time to pay off your purchases at a lower interest rate. They let you split your purchases into smaller monthly instalments, over a set term that works for you.

Access cash with a Cash Instalment Plan, convert a recent purchase into a Transaction Instalment Plan,  or even the retail purchase balance on your monthly statement with a Statement Instalment PlanA minimum conversion of $500 applies.

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Hardship support

If you’re experiencing financial difficulty, we may be able to help. Whether your situation is caused by unemployment, illness, divorce, a natural disaster or an unexpected reduction in your income, we are here to help you get back on track.

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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.