Skip to main content
Coles Credit Cards Logo

No Annual Fee Mastercard

Pay no annual fee ever and be rewarded with Flybuys points. That’s uncomplicated value.

Coles No Annual Fee Mastercard

Enjoy 0% p.a. on purchases for 6 monthsplus no annual fee! 

Enjoy 0% p.a. on purchases for 6 months.1 Applies to Retail Purchases (excludes Cash Advances). Reverts to ongoing purchase rate. Apply for a Coles No Annual Fee Mastercard by 30 June 2024.


Collect 1 point per $2 on eligible purchases*

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

Phone? Tap. Pay. Simple.

Add your card to Apple Pay2, Samsung Pay3 and Google Pay4  for quick and secure payments on the go5.

Complimentary insurance6

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 Concierge7

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.

Powered by nab

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.

Other cards you may be interested in

Coles rewards mastercard

Rewards Mastercard

Learn more

Coles low rate mastercard

Low Rate Mastercard

Learn more

Need help choosing a card?

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

Coles Credit Cards

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
Coles Mobile Wallet App

To obtain a copy of the Target Market Determination (TMD) related to this product click here.


Terms and conditions
Credit card criteria

Spend and credit criteria, fees and charges, terms and conditions apply. Individuals must be 18+. Offers available to new customers only and is not available with any other offer. 

1The promotional rate of 0% p.a. will apply to Retail Purchases (excludes Cash Advances) for 6 months from the date your Account is approved, and you will need to pay the Minimum Payment Due each month. At the end of the promotional period, any outstanding Retail Purchase Balance and any new Retail Purchases will attract the applicable Annual Percentage Rate for Retail Purchases, currently 19.99% p.a for a Coles No Annual Fee Mastercard. Annual Percentage Rates are variable and subject to change. This offer is valid until 30 June 2024​. Post this advertised date; NAB reserves the right to continue, withdraw or change the offer at any time without notice. This offer is not available if you have recently closed or currently hold another Coles Credit Card. Payments will be applied to your account as per the Credit Card Terms and Conditions and Other Important Information at

2Terms and conditions apply to the use of Apple Pay. Apple Pay is available on compatible Apple devices.  Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

3Terms and conditions apply to the use of Samsung Pay. Samsung Pay is available on compatible Samsung devices.  Samsung, Samsung Pay, Galaxy S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd. 

4Terms and conditions apply to the use of Google Pay. Google Pay is available on compatible Android mobile devices. Google, Android, Google Pay and Google Wallet are trademarks of Google LLC.

5The contactless terminal must have an NFC reader. For certain merchant terminals, a transaction limit may apply.

6Complimentary insurance covers are provided to your Account 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 (“Allianz”). AWP has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Coles credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Coles Platinum Mastercard Complimentary Insurance Policy Information Booklet which can be found at and may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance. For general enquiries call Allianz Global Assistance who issues and manages the Group Policy on behalf of Allianz.

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

8The 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.

Redeeming and earning Flybuys Points

*An eligible purchase is an Eligible Transaction as defined in the Coles Mastercard Rewards Terms and Conditions found at 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, bank fees and charges such as interest and ATM charges,  transactions made using Flybuys Points and government related transactions. The number of Flybuys Points awarded is calculated by reference to the Australian dollar amount of the transaction.  Flybuys Points awarded for using a Coles Mastercard linked to your Flybuys Membership Account are in addition to Flybuys points awarded by Flybuys partners and will be allocated by Flybuys in accordance with the Flybuys terms and conditions found at


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 Limited (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.