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Collect 1 point per $2 on eligible purchases2

Collect 1 Flybuys point per $2 on eligible purchases.2

Phone? Tap. Pay. Simple.

Add your card to Apple Pay³, Samsung Pay4 and Google Pay5  for quick and secure payments on the go6.

Complimentary insurance7

Get access to complimentary insurance on your Platinum Coles card.

Protected by the Coles Shield

Coles Shield provides three layers of defence against credit card fraud.

Complimentary access to your 24/7 local Concierge8

Enjoy access to complimentary travel and accommodation services in major cities in Australia and around the world.

Coles Instalment Plans

Payment options to help you manage your finances. Learn more


Awards finder mozo

Multi-award winning No Annual Fee Credit Card

Winner of Mozo’s Experts Choice Award for best Balance Transfer Credit Card for 2020, Money magazine's best Non-Bank Credit Card issuer of the Year for 2021 and Finder's Best Rewards Credit Card for 2021 and Finder’s Highly Commended No Annual Fee Rewards Card for 2023 and Finder’s Highly Commended Credit Card Customer Satisfaction Awards 2023.

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Apply with confidence 

Coles credit cards and personal loans are issued by National Australia Bank Limited.

Rates and fees

To apply you need to be 18 years or older and a permanent Australian resident.

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Coles rewards mastercard

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Low Rate Mastercard

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Need help choosing a card?

Find the right card by answering three simple questions using our Credit Card Selector tool. 

Coles Mobile Wallet App

 Manage your account wherever you are 

 View your balance and transaction history 

 Check your points balance and activate Flybuys offers 

Apple App storeGoogle Play


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.