No Annual Fee Mastercard

Promotion

Receive 0% p.a. on Balance Transfers for 18 months*

(1.5% BT fee applies. Reverts to Cash Advance rate) When you apply for a Coles No Annual Fee Mastercard® by 31 October 2020. No interest free days apply to purchases while you have a balance transfer.

No Annual Fee Mastercard

Annual fee

$0

Purchase interest rate

19.99% p.a.

Interest free days4

Up to 55

flybuys logo 

1 point per $2 on eligible spend²

Key features

  • Flybuys Points²

    Collect 1 point per $2 on eligible spend.

  • Pay no annual fee ever.

  • Flybuys Points²

    Collect 1 point per $2 on eligible spend.

  • Pay no annual fee ever.

Not quite what you want?

  • 55 days interest free⁴

    Up to 55 days interest free on purchases when you pay your full balance off each month.

  • Tap & Pay with Apple and Samsung Pay.

    It's the easy and secure way to use your card on the go.

  • The free Coles Mobile Wallet App.

    Lets you view and activate Flybuys offers with your phone, while keeping track of your purchases for your convenience and control.

  • $10 off your Coles Supermarket shop^

    Instantly take $10 off your Coles Supermarket shop, every time you redeem  2,000 Flybuys points at the checkout.

  • Protected by the Coles Shield

    Three layers of defence against credit card fraud and theft.

  • Mastercard and Flybuys card in one

    So you only have to carry one card instead of two.

  • Complimentary Insurance⁶

    Protects the items you buy with your card in case they're permanently lost, stolen or accidentally damaged.

  • Complimentary access to our 24/7 worldwide concierge⁵

  • Annual Fee

    $0

  • Balance Transfer

    Enjoy 0% p.a. on Balance Transfers for 18 months when you apply by 31 October 2020. 1.5% BT fee applies. (reverts to Cash Advance rate)*. No interest free days apply to purchases while you have a balance transfer.

  • Interest rate on purchases and cash advances.

    19.99% p.a.       

  • Domestic Cash Advance Fee

    A$1.95 per transaction amount under A$65.00, and 3.00% of the transaction amount for any transaction equal to or over A$65.00, debited to your Account on the Transaction Date.

  • International Cash Advance Fee

    $5

  • International Transaction Fee

    2.50% on all Retail Purchases and Cash Advances.

  • Late Payment Fee

    $30.00

    $30 each time we do not receive the Minimum Payment Due and any Overdue amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and Payment Due Date are detailed on your statement of account.

  • Over-the-Counter Transaction Fee

    $2.25 

  • Paper Statement Fee

    $2.00 per statement

*Receive 0% p.a on Balance Transfers for 18 months* (1.5% BT fee applies. Reverts to Cash Advance rate) when you apply for a Coles No Annual Fee Mastercard® by 31 October 2020. No interest free days apply to purchases while you have a balance transfer. 

The features listed on this page apply to new applicants only. Please see our existing customers page if you already have a Coles Mastercard.

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Coles No Annual Fee Mastercard

Get a trolley top up

Enjoy $10 off your Coles Supermarket shop each time you redeem 2,000 Flybuys points at checkout.^

Flybuys Points

Collect 1 point per $2 on eligible spend.2


Tap & Pay

Tap & Pay with Apple and Samsung Pay. It's the easy and secure way to use your card on the go. This means you can now add your card straight onto your compatible iPhone or Samsung smartphone quickly and easily and pay at contactless terminals.

Download the Coles Mobile Wallet App today

Download the Coles Mobile Wallet App today

  • Quick, simple and secure way to manage your account
  • 24/7 access
  • Use your Access Code to access your balance and transaction history
  • It's free

Terms and conditions

Credit card criteria

*Credit criteria, fees and charges, terms and conditions apply. Individuals must be 18+. New customers only who apply for a Coles No Annual Fee Mastercard by 31 October 2020. Your total Balance Transfers may not exceed 80% of your Credit Limit. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 18 months and a one-off Balance Transfer Fee of 1.5% of the Balance Transfer amount applies. The 18 months promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within 90 days from approval to receive this offer. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the Annual Percentage Rate for Cash Advances, currently 19.99% p.a. Please note you are not entitled to any interest free days on purchases whilst you have a balance transfer. This means that all transactions will be charged interest at the applicable Annual Percentage Rate from the date of purchase. This offer is valid until 31 October 2020. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. This offer cannot be used in conjunction with any other offer and is not available when closing/transferring from another Coles Mastercard. For important information to consider before taking up a balance transfer, please click here for balance transfer information.

The Interest Free Period applies to Retail Purchases, interest, fees and charges when you pay your full Closing Balance from your last Statement by the Payment Due Date (excluding any Fixed Payment Option balance which isn’t due for payment by that Payment Due Date). No Interest Free Period is available on Cash Advances or Balance Transfers. Please note you are not entitled to the Interest Free Period whilst you have a Balance Transfer.

Concierge is a complimentary service available to the Primary Cardholder of a Coles Platinum Mastercard. Refer to the Coles Mastercard Rewards Terms and Conditions. Concierge Services provided by Aspire Lifestyles (Americas), Inc.

Complimentary Insurance is provided to your Account 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 insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 to Citigroup Pty Ltd 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/mastercard-important-information

Redeeming and earning Flybuys points

2,000 Flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express and Coles Online. Minimum spend is $10 after savings and discounts in one transaction at Coles Supermarkets (excluding gift cards, iTunes cards, tobacco and tobacco related purchases).

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 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.

Product issuers

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.