Enjoy 40,000 Flybuys bonus points⁺
To receive 40,000 Flybuys bonus points, spend $3,000 or more on eligible retail purchases within 90 days of approval.+ Plus, enjoy 0% p.a. on Balance Transfers for 12 months. Reverts to Cash Advance rate. Apply for a Coles Rewards Mastercard ® by 31 July 2022.* No interest free days apply to Retail Purchases while you have a Balance Transfer.
Collect up to 2 points per $1²
Collect up to 2 Flybuys points per $1 on eligible purchases everywhere Mastercard is accepted up to and including $3,000 in each Statement Period and then collect 1 Flybuys point per $1 thereafter.2
You'll need to scan your Flybuys barcode
Collect up to 3 points per $1 at Colesᗮ
Collect up to 2 Flybuys points per $1 on eligible purchases2 everywhere Mastercard is accepted up to and including $3,000 in each Statement Period and then collect 1 Flybuys point per $1 thereafter2.
Plus when you also shop at Coles and scan the barcode, you’ll collect your 1 Flybuys point per $1 spent. Flybuys exclusions and T&Cs apply.ᗮ
Features
Collect up to 2 Flybuys points per dollar2
Collect up to 2 Flybuys points per dollar on eligible purchases² everywhere Mastercard is accepted.
Tap & Pay with Apple Pay3 and Samsung Pay4
It's the easy and secure way to use your card on the go.
Protected by the Coles Shield
Coles Shield provides three layers of defence against credit card fraud.
$10 off your Coles Supermarket shop^
Instantly take $10 off your Coles Supermarket shop, every time you redeem 2,000 Flybuys points in-store at the checkout.
International Transaction Fee waiver5
Enjoy $0 international transaction fees for purchases made online or overseas.
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.
Put more ‘yay’ in everyday with Value Boosters @
Special offers and discounts we may send you throughout the year.
Complimentary insurance6
Protects the items you buy with your card in case they're permanently lost, stolen or accidentally damaged.
Multi-award winning Rewards Credit Card
Rates and fees
| Annual Fee | $99 |
|---|---|
| Annual FeeBalance Transfer | $99Enjoy 0% p.a. on Balance Transfers for 12 months. Reverts to Cash Advance rate.* Apply by 31 July 2022. |
| Annual FeeInterest rate on Purchases and Cash Advances | $99 19.99% p.a. |
| Annual FeeInterest free days⁸ | $99Up to 55 |
| Annual FeeDomestic Cash Advance Fee | $99$1.95 per transaction amount under $65.00, and 3.00% of the transaction amount for any transaction equal to or over $65.00, debited to your Account on the Transaction Date. |
| Annual FeeInternational Cash Advance Fee | $99$5 |
| Annual FeeInternational Transaction Fee | $99The International Transaction Fee for Retail Purchases is waived on the Coles Rewards Mastercard; however, any Cash Advance in foreign currency, or a Cash Advance made outside of Australia, will continue to incur an International Transaction fee of 2.50% of the transaction value when converted to Australian dollars, plus any other fees applicable to an International Cash Advance from the date of the transaction. |
| Annual FeeLate Payment Fee | $99 $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. |
| Annual FeeMinimum credit limit | $99$2,000 |
| Annual FeeAdditional Cardholder Fee | $99$0 |
| Annual FeeOver-the-Counter Transaction Fee | $99$2.25 |
| Annual FeePaper Statement Fee | $99$2.00 per statement |
To apply you need to be 18 years or older; a permanent Australian resident and earn a minimum income of $25,000 per year or more.
Other cards you may be interested in
Coles Mobile Wallet App
Coles Mobile Wallet App
- Manage your account wherever you are
- View your balance and transaction history
- Check your points balance and activate Flybuys offers
To obtain a copy of the Target Market Determination (TMD) related to this product click here.
Terms and conditions
Credit card criteria
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.
*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 12 months. The 12 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 applicable Annual Percentage Rate for Cash Advances, currently 19.99% p.a. for a Coles Rewards Mastercard. Please note you are not entitled to any interest free days on Retail 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 July 2022. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. This offer 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.
+You will receive 40,000 Bonus Flybuys Points when you apply for a Coles Rewards Mastercard by 31 July 2022, are approved and then spend $3,000 or more on eligible retail purchases (excludes 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) in the first 90 days of being approved. Your Flybuys Membership Account number must be provided on your application to receive this offer. The 40,000 Bonus Flybuys Points will be credited to the Flybuys Membership Account linked to the Coles Rewards Mastercard within 4 weeks of meeting the spend criteria. Your Coles Rewards Mastercard needs to be in good standing for the Bonus Flybuys Points to be awarded. Points will be forfeited if you close your Account before we instruct Flybuys to credit them to your Flybuys Membership Account. Standard Flybuys terms and conditions apply and are available at flybuys.com.au.
@Value Boosters are offers we may send to you from time-to-time when you are subscribed to email marketing. Eligibility for Value Boosters varies and is subject to change at any time.
3Apple Pay is available on compatible Apple devices. Please read terms and conditions that apply to the use of Apple Pay. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.
4Samsung Pay is available on compatible Samsung devices. Please read terms and conditions that apply to the use of Samsung Pay. Samsung, Samsung Pay, Galaxy S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
5 The International Transaction Fee for Retail Purchases is currently waived on the Coles Rewards Mastercard, however any Cash Advance in foreign currency, or a Cash Advance made outside of Australia, will continue to incur an International Transaction Fee of 2.50% of the transaction value when converted to Australian dollars, plus any other fees applicable to an International Cash Advance from the date of the transaction.
6Complimentary insurance covers are provided to your Account by AWP Australia Pty Ltd ABN 52 097 227 AFSL 243631 trading as Allianz Global Assistance (“Allianz Global Assistance”) under a binder from the insurer, Allianz Australia Insurance Limited 15 000 122 850 AFSL 234708 (“Allianz”) who has issued an insurance group policy to Citigroup Pty Limited 88 004 325 080 AFSL 238098 (“Citibank”) which allows eligible Citibank account holders and cardholders to claim under it as third party beneficiaries. Access to the benefit of cover under the Coles Mastercard Platinum Complimentary Insurance Terms and Conditions is provided to eligible Citibank cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). 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 eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Coles Mastercard Platinum Complimentary Insurance Terms and Conditions Information Booklet which can be found at coles.com.au/mastercard-important-information and may be amended from time to time. Citibank does not 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 Mastercard. Refer to the Coles Mastercard Rewards Terms and Conditions. Concierge Services provided by Aspire Lifestyles (Americas), Inc.
8 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.
Redeeming and earning Flybuys Points
^2,000 Flybuys Points are required to redeem $10 off at the checkout in-store 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).
2An eligible purchase is an Eligible Transaction as defined in the Coles Mastercard Rewards Terms and Conditions found at www.coles.com.au/mastercard-important-information 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 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 flybuys.com.au.
ᗮWhen you scan your Flybuys barcode you will collect 1 Flybuys Point per $1 spent at Coles, excluding purchases of all gift cards, iTunes cards, charitable donations, tobacco and tobacco-related products and Coles Online delivery fees. This point is independent of your Coles Mastercard. Standard Flybuys terms and conditions apply and can be found at flybuys.com.au
Other
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.