Three layers of defence against credit card fraud

You’re protected by the Coles Shield

Coles Credit Cards are protected by three layers of advanced defence for extra peace of mind.

Technology

  • Our internal fraud management systems identify unusual activity on your card and alerts our security experts.
  • When we detect possible fraudulent transactions, we will alert you by SMS or phone, 24/7, and confirm whether the transaction is genuine.
  • Our physical cards use chip technology to reduce the chance of your personal details being copied if your card is compromised.
  • Biometric authentication can be used to authenticate transactions you make with Apple Pay or Samsung Pay.

Action

  • When we detect possible fraudulent transactions, we will alert you by SMS or phone, 24/7, and confirm whether the transaction is genuine.
  • Our skilled Fraud Solutions team carefully investigate and resolve any incidents.

Reliability

  • You won’t be held liable for fraudulent transactions, so long as you adhered to the Coles Mastercard Terms and Conditions and promptly notify us of any issues and did not contribute to the loss.
  • Mastercard Zero Liability gives you even more protection.

Terms & conditions

Other

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.