Existing customers

Three credit cards

Welcome to the Coles Credit Card Hub

We’ve recently made a few changes to our website, so now you can easily find everything you need to get the most out of your Coles credit card, all in the one place. Whether you need to download important documents or manage your account, everything you need can be found below.

If you can't find the documents or information you need, you can see how to get in touch with us on our Contact Us page.

Your important documents

Manage your account

For full list of FAQs, please see our FAQ page.

Managing your account

  • Go to osc.coles.com.au and login using your username or password
  • Select the card for which you’d like to set an ATM PIN
  • Click “Manage My Card”
  • Click “Change PIN” and choose your new PIN
  • Alternatively, you can call 1300 306 397 to have a new PIN mailed to you
  • Go to osc.coles.com.au and login using your username or password
  • Select the card you’d like to replace
  • Click “Manage My Card”
  • Click “Report lost/stolen” and follow the instructions
  • Alternatively, you can call 1300 306 397

You can request a change to your limit by calling us on 1300 306 397.

We are able to customise solutions based on your individual circumstances. We may be able to provide you:

  • Payment variations
  • Reduced payment plans
  • Reduced settlements

You can find more information on what to do if you need financial hardship support on the FAQ page.

To request closure of your Account:

  • Go to osc.coles.com.au and login using your username and password
  • Select the card you’d like to close
  • Click “Manage My Card”
  • Click “Account closure request” and follow the instructions

Alternatively, you can request to close your Account by calling us on 1300 306 397.

Statements

You can view your statements online as well as save or print them. Log in to the Online Service Centre, click on the card you’d like to view, and click “View Statement”. Then select the statement and date period you would like to view.

You can opt to have your statements delivered to your email address. To enrol in eCommunications:

  • Log in to the Online Service Centre, click “My Profile”, then click “Statement Preferences”
  • Set your eCommunications password which will be used each time you open your eStatement
  • Agree to the Electronic Communication Consent
  • Confirm your enrolment

You can opt to receive paper statements sent to your mailing address. A Paper Statement Fee of A$2.00 will apply each month we issue you with a paper statement, debited to your Account in the following Statement Period. This fee may be waived in limited circumstances.

Your statement tells you how much you've spent, how much available credit you have left and when your minimum monthly payment is due.

Download our How to read your statement PDF.

You can view your statements online anytime in the Online Service Centre.

If you’d like a paper copy of your statement, call 1300 306 397 to request one.

To enrol in eStatements:

  • Log in to the Online Service Centre, click “My Profile”, click “Statement Preferences”
  • Set your eCommunications password which will be used each time you open your eStatement
  • Agree to the Electronic Communication Consent
  • Confirm your enrolment

To de-enrol in eStatements:

  • Log in to the Online Service Centre, click “My Profile”, click “Statement Preferences”
  • Click “Cancel enrolment” and confirm you wish to de-enrol
By Post using a cheque

You can post us your payment by enclosing your completed Remittance Advice provided with your monthly statement (for Credit products only) and mail with your cheque (no notes or coins accepted) to the following address for each of the following products:

Coles Mastercard
GPO Box 5427
Sydney NSW 2001

Please make your cheque payable to your Coles Mastercard Account Number and specify your Account type (e.g. Coles Rewards Mastercard Account Number). It would also assist us in processing your payment if you write the actual account number on the back of your cheque.

Cheques payable to the Accountholder may also be accepted (e.g. dividend cheque, Medicare refund, etc.) but cheques payable to a third party will not be accepted.

Australia Post

You can make payments at any Australia Post office displaying the Bank@Post™ symbol using cash or EFTPOS. You will need your card and ATM PIN. Cash and EFTPOS payments will be applied to your account on the day you make the transaction.

Please allow seven business days for payments made by cheque to clear. However, funds will be considered received the day the cheque is deposited.

An Over-the-Counter Transaction Fee of A$2.25 will be charged to your Account at the end of the month for each payment made to your Account at Australia Post outlets when you use the Bank@Post facility.

BPAY

You can make payments from another financial institution through BPAY using Biller Code 8862 followed by your 16-digit Coles Mastercard number as your Customer Reference number.

Direct Debit

If you have chosen to make your repayments using Direct Debit, your repayments will automatically be made on the due date from your nominated bank account. Using Direct Debit avoids the hassle of remembering to make repayments each month, and helps prevent incurring unwanted late fees. Please ensure there are sufficient funds in the account on the monthly due date.

eStatements

We will send your eStatement to your nominated email as a PDF attachment that is password protected. You can also log on to the Online Service Centre at any time to search and view up to 7 years’ worth of eStatements.

Yes, the PDF eStatement will look the same as your paper statement. You can download, save and print your eStatements in the same format as a paper statement.

eStatements and eNotices are password protected so only you can access them.

Data Security: when you open your eStatement or other electronic communications, you should make sure you close all open browsers in order to protect your account information.

It's recommended that you remove the temporary internet files from your internet browser after viewing your electronic communications.

If you have received an enrolment email, all you need to do is click the “Enroll in eCommunications” button provided. Your registration will be processed within 10 business days and you will begin to receive your first eStatement after this date.

You can also enroll in ecommunications at anytime via the Online Service Centre:

  1. Log in to the Online Service Centre
  2. Click “My Statements”, then click “Statement Preferences”
  3. Click “Update enrolment details” and set your eCommunications password which will be used each time you open your eStatement
  4. Agree to the Electronic Communication Consent
  5. Confirm your enrolment

You will be enrolled for eStatements within 10 business days of submitting your registration request, and will receive your first eStatement the next time a Statement is issued for your account.

You should first log on to the Online Service Centre and confirm that your email address is correct. If it's incorrect, please update it by:

  1. Log in to the Online Service Centre
  2. Click “My Profile”, scroll down to Contact Information and Edit your Email Address.

If you find that the email address is correct but you did not receive an email notification, please check your junk/spam folder of your email account and add comms@secure.coles.com.au to your Safe Sender list.

If your email address is correct and you have added comms@secure.coles.com.au to your Safe Sender list, please call our Customer Support Team on 1300 306 397 to confirm whether a Statement was issued for your account that month. In some situations, such as if you have not made transactions on the account and do not have an outstanding balance, you might not be issued a Statement.

Yes, it is your responsibility to keep all of your contact details up-to-date, including your email address.

To update your email address:

  1. Log in to the Online Service Centre
  2. Click “My Profile”, scroll down to Contact Information and Edit your Email Address.
  3. OR call our Customer Support Team on 1300 306 397

You can view your statements online anytime in the Online Service Centre.

Your default password is your date of birth in the following format DDMmmYYYY (i.e. 10Jan1970). You have the option to change this to a password of your choice.

We recommend that you change your default password immediately.

You can't retrieve your password for eStatements but you can reset it with the following steps:

  1. Log in to the Online Service Centre
  2. Click “My Statements”, then click “Statement Preferences”
  3. Click “Update enrolment details” and set your eCommunications password which will be used each time you open your eStatement
  4. Agree to the Electronic Communication Consent
  5. Confirm your enrolment

Yes, you can download and save any of your eStatements as a PDF on your computer. They can also be printed.

You can search and view up to 7 years' worth of statements on the Online Service Centre.

No, once you have enrolled for eStatements, you will no longer receive paper statements.

Yes, you can elect to receive paper statements and notices by de-enrolling from electronic communications at any time. If you opt to receive paper statements, you may be charged a paper statement fee.

  1. Log in to the Online Service Centre,
  2. Click “My Statements” then click “Statement Preferences”
  3. Click “Cancel enrolment” and confirm

Online Service Centre

To register for the Online Service Centre, go to osc.coles.com.au and click “Register”. Please have the following handy:

  • Your Card or Account Number
  • The CVV on the back of your Card
  • Your ATM PIN (if your Coles Mastercard was approved prior to 3 March 2018)
  • Your date of birth (if your Coles Mastercard was approved after 3 March 2018)
  • A mobile phone to receive a One-Time PIN (if your Coles Mastercard was approved after 3 March 2018)

You will then be asked to create your username and password.

To login, go to osc.coles.com.au and enter the username and password you created during registration. If you are having troubles with login, please call us on 1300 306 397.

To retrieve your username:

  • Go to osc.coles.com.au and click “Forgot Username”
  • If your Coles Mastercard was approved prior to 3 March 2018, enter your card or account number, the CVV (three digit number on the back of the card), and your ATM PIN
  • If your Coles Mastercard was approved after 3 March 2018, enter your card or account number, the CVV (three digit number on the back of the card), and your date of birth, then enter the One-Time PIN sent to your mobile phone

To reset your password:

  • Go to osc.coles.com.au and click “Forgot Password”
  • If your Coles Mastercard was approved prior to 3 March 2018, enter your card or account number, the CVV (three digit number on the back of the card), and your ATM PIN
  • If your Coles Mastercard was approved after 3 March 2018, enter your card or account number, the CVV (three digit number on the back of the card), and your date of birth, then enter the One-Time PIN sent to your mobile phone
  • Create a new password following the guidelines shown

The Coles Mobile Wallet App is free.

Note: Like any application that you can download to a device, your telecommunications service provider may charge data or call costs when you download or access the app as per your plan or agreement.

To change your PIN in the Online Service Centre

  • Click on the card you wish to manage
  • Click “Manage My Card”
  • Click “Change PIN”

You may also activate by calling 1300 306 397.

To view your statements:

  • Go to osc.coles.com.au and login using your username and password
  • Click the card for which you’d like to view statements
  • Click “View statement”
  • Select the year of the statement, then click the statement you’d like to view

Mobile Wallet App

The Coles Mobile Wallet App is our mobile banking and loyalty app, designed for iPhone and Android devices. It allows you to manage your Account 24 hours a day with access to your Account Balance, available credit and transaction history. It also lets you view your flybuys account points balance, access, and activate a great range of exclusive flybuys offers. Plus you can use the app to activate and deactivate your Coles Pay Tag to give you an additional layer of security.

It's easy. Simply download the app from the App Store for iPhone devices or Google Play for Android devices and follow the quick registration process. The name of the app is “Coles Mobile Wallet App"

The Coles Mobile Wallet App is free.

Note: Like any application that you can download to a device, your telecommunications service provider may charge data or call costs when you download or access the app as per your plan or agreement.

You access registration in the Coles Mobile Wallet App or in the Online Service Centre. The same username and password is used for both.

If you want to sign into your flybuys membership, you’ll also need your flybuys password.

Your flybuys Membership Number will be prepopulated based on the flybuys membership linked to your Coles Mastercard Account. In addition to this membership number, you will need your flybuys password. If you do not know your password, or have not signed in to the flybuys website before – Sign up for flybuys here.

About your statement

Your statement tells you how much you've spent, how much available credit you have left and when your minimum monthly payment is due.

How to read your statement

For more information on your statement, please see our FAQ page.

Hardship

We're here when you need us most

Coles unsecured credit products are issued by Citigroup Pty Limited, who will provide you with information about how they may be able to help you manage your repayments.

We are here to understand your situation and work with you to find a solution that best meets your needs. So whether your situation is caused by unemployment, injury or illness, divorce, a natural disaster or an unexpected reduction in your income, we are here to help you get back on track.

If you have been impacted by COVID-19, there are some other options you can consider before applying for Financial Hardship. Find out more about how we are supporting you during COVID-19 here

Hardship Assistance

If your financial circumstances have changed and you are unable to pay your account(s), full details on how we may be able to assist you, and how you can request assistance, can be found on our FAQ page.

Outside Support

You can get free independent counselling and advice from a Financial Counsellor.

For a comprehensive listing of Financial Counsellors please visit the FCA website.

To talk to a Financial Counsellor by phone (or for referral) ring 1800 007 007 from anywhere in Australia.

You can get additional information through the following website:

Travelling Overseas

Ensure you’re connected with your accounts to help you stay safe and secure while you’re away.

Credit Card Tips

Update your mobile number
It’s important that you make sure we have your correct mobile number that you’ll be using while overseas so that we can contact you if there is any suspicious activity on your account. You will also need your mobile number to receive your One-Time PIN (OTP) in the Online Service Centre. You can update your mobile number by logging into the Online Service Centre.

Check the expiry date on your card
Have a look at your Credit Card before you leave. If your card is due to expire or it will expire when you are overseas and you haven’t received your new card, please contact us a member of our Customer Support Team to assist.

Know your PIN number
Make sure you know the PIN number for your Credit Card as some countries require a PIN to make purchases. Simply go to the Online Service Centre to create or change your PIN.

More travel tips

Check out www.smartraveller.gov.au - this Government website has handy travel tips, advice and all the latest travel advisory warnings. If your card is lost or stolen, please call us immediately on +61 1300 306 397.

Coles Mastercard flybuys participants

Customers with this card only collect flybuys points at the following flybuys participants:

  • Coles Supermarket
  • Coles Express
  • Liquorland
  • Liquorland Direct
  • First Choice Liquor
  • K-mart
  • K-mart Tyre and Auto
  • Target
  • Target Country

 

Terms and conditions

flybuys points awarded for using a Coles Mastercard linked to your flybuys membership are in addition to flybuys points awarded by flybuys partners. The number of flybuys points awarded is calculated by reference to the Australian dollar amount of the transaction. flybuys points will be allocated by flybuys in accordance with the flybuys terms and conditions. An eligible spend is an Eligible Transaction as defined in the Coles Mastercard Rewards Terms and Conditions https://www.coles.com.au/rewards-mastercard/terms-conditions 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, transactions made using flybuys points and government related transactions. Whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution. Standard flybuys Terms and Conditions apply, see flybuys.com.au. Note that partners’ earn rates vary

Other

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.