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Collect up to 2 points per $1⁺

Collect 2 Flybuys points per $1 on eligible purchases up to and including $3,000 in each Statement Period and then collect 1 Flybuys point per $1 thereafter.+

Collect up to 3 points per $1 at Colesᗮ

You'll need to scan your Flybuys barcode

Collect 2 Flybuys points per $1 on eligible purchases up to and including $3,000 in each Statement Period and then collect 1 Flybuys point per $1 thereafter.+


Plus, when you also shop at Coles and scan the barcode, you’ll collect your 1 Flybuys point per $1 spent.ᗮ Flybuys exclusions and T&Cs apply.

Use our calculator to add up your Flybuys points or Dollars off your Coles shop. Enter your shop amount in the fields below to calculate how much you could earn.

Collect up to 2 points through your Coles Mastercard when you use it to pay for your shop,+ and collect 1 point per $1 from Coles Supermarket (exclusions apply) when you scan your Flybuys barcode at checkout.ᗮ

You will collect points through your Coles Mastercard on eligible purchases outside of Coles.+

Points have been calculated based on your Coles supermarket shop before your shop elsewhere.
An eligible purchase is an Eligible Transaction as defined in the Coles Mastercard Rewards Terms and Conditions. Full terms and Conditions

based on your inputs you can collect upto0 Flybuys points per year
(Based on your inputs you can)Collect up to


Collect up to 2 Flybuys points per dollar+

Collect up to 2 Flybuys points per dollar 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.

Protected by the Coles Shield

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

International Transaction Fee waiver6

Enjoy $0 international transaction fees for purchases made online or overseas.

Complimentary insurance7

Get access to complimentary insurance on your Platinum Coles card.

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 canstar mozo finder

Multi-award winning Rewards Credit Card

Winner of Canstar’s 5-Star Rating for Outstanding Value Rewards Credit Cards from 2020-2023~, Mozo’s Experts Choice Award for best Rewards Credit Card for 2020, and Money magazine's best Non-Bank Credit Card issuer of the Year for 2021 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.

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

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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 

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Coles Mobile Wallet App

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.