Terms of Use

Coles Credit Cards

This website is made up of two of areas:

  • The product information and marketing pages are provided and hosted by Coles Financial Services Pty Ltd (“Coles”)
  • The Online Service Centre and online application areas are provided and hosted by Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098 Australian credit licence 238098 (“Citigroup”)

The terms on which you may use the webpages with product information and marketing about Coles Credit Cards is set out below.

For information about the terms and conditions on which you may use the Online Service Centre and application pages of this website, please go to the Online Service Centre.

Coles Credit Cards website terms of use 


The financialservices.coles.com.au website is hosted by Coles, and the marketing and product information available is provided by both Coles and Citi.

You acknowledge your acceptance of these terms of use when you use this website. On this page you’ll find information about:


This site and its contents are subject to copyright. The copyright is owned by Coles, or in the case of some material, a third party.

You may view this site and its contents using your web browser and electronically copy and print hard copies of parts of this site solely for personal, non-commercial use. Any other use, including the reproduction, modification, distribution, transmission, republication, display or performance, of the content of this site is strictly prohibited.


This site includes registered trademarks, and other trademarks owned by Coles and its associated companies that are otherwise protected by law. Except as expressly authorised, the use or misuse of any of these trademarks is strictly prohibited. 


You agree that your access to, and use of, this site is subject to these terms and all applicable laws, and is at your own risk. This site and its contents are provided to you on an "as is" basis, the site may contain errors, faults and inaccuracies and may not be complete and current.

Coles makes no representations or warranties of any kind, express or implied as to the operation of this site or the information, content, materials or products included on this site, except as otherwise provided under applicable laws.

Neither Coles, the credit provider, nor it or their affiliates, directors, officers, employees, agents, contractors, successors or assigns will be liable for any damages whatsoever arising out of, or in any way related to, the use of this site and any other site linked to this site. This limitation applies to direct, indirect, consequential, special, punitive or other damages you or others may suffer, as well as damages for loss of profits, business interruption or the loss of data or information.


Coles cannot guarantee that any file or program available for download and/or execution from or via this site is free from viruses or other conditions that could damage or interfere with data, hardware or software with which it might be used. You assume all risk of use of all programs and files on this site, and you release Coles entirely of all responsibility for any consequences of its use.

Third Party Sites

This site may contain links to third party sites including:

The 'Apply Online' and 'Online Service Centre' functions which are hosted and maintained by Citi.

The "Adobe" website

The "BPAY" website

The "DoubleClick" website

The "Citigroup" website

The "flybuys" loyalty website

Coles is not responsible for the condition or content of those sites as they are not under Coles control. You access those sites and/or use the site's products and services solely at your own risk. The links are provided solely for your convenience and do not indicate, expressly or impliedly, an endorsement by Coles of the sites or the products or services provided on the site.

While we try to link only to sites that share our high standards and respect for privacy, we’re not responsible for the privacy practices of other websites to which you provide your personal information. If you have any questions about this, or the content or practices of this website, please contact Customer Care.

Coles and Citigroup does not permit any linkages to this site without prior permission.

Applicable Law

This site is created and controlled by Coles. Your use of this site is governed by, construed and enforced in accordance with the laws of Victoria, Australia. Disputes arising from your use of this site are exclusively subject to the jurisdiction of the courts of Victoria, Australia.

This site may be accessed throughout Australia and overseas. Coles makes no representations that the content of this site complies with the laws (including intellectual property laws) of any country outside Australia. If you access this site from outside Australia, you do so at your own risk and are responsible for complying with the laws in the place where you access the site.

Online Service Centre Terms and Conditions

Online Service Centre Terms and Conditions can be found here.


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.