To receive 30,000 Flybuys bonus points, spend $1,000 or more on eligible purchases within 60 days of approval+. Plus, enjoy 0% p.a. on purchases for 12 months from the date your account is approved. The promotional rate of 0% p.a. will apply to Retail Purchases (excludes Cash Advances). Apply for a Coles Rewards Mastercard by 31 January 2022.*
Collect up to 2 Flybuys Points per $1 on eligible spend everywhere Mastercard is accepted up to and including $3,000 in each Statement Period and then collect 1 Flybuys Point per $1 thereafter.2
Collect up to 2 Flybuys Points per $1 on eligible spend2 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
Annual fee
Purchase interest rate
0% p.a. on purchases in your first year, then 19.99% thereafter*
Interest free days4
Up to 55
Up to 2 points per $1 on eligible spend2
up to and including $3,000 in each Statement Period and then collect 1 Flybuys Point per $1 thereafter.²
Protects the items you buy with your card in case they're permanently lost, stolen or accidentally damaged.
up to and including $3,000 in each Statement Period and then collect 1 Flybuys Point per $1 thereafter.²
Protects the items you buy with your card in case they're permanently lost, stolen or accidentally damaged.
See our Coles Low Rate Mastercard.
See our Coles No Annual Fee Mastercard.
See our Coles Low Rate Mastercard.
See our Coles No Annual Fee Mastercard.
It's the easy and secure way to use your card on the go.
Lets you view and activate Flybuys offers with your phone, while keeping track of your purchases for your convenience and control.
Instantly take $10 off your Coles Supermarket shop, every time you redeem 2,000 Flybuys Points in-store at the checkout.
Coles Shield provides three layers of defence against credit card fraud.
So you only have to carry one card instead of two.
$99
Enjoy 0% p.a. on Balance Transfers for 12 months. Reverts to Cash Advance rate.* Apply by 31 January 2022.
Enjoy 0% p.a. on purchases in your first year*, then 19.99% p.a. thereafter
19.99% p.a. on cash advances
$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.
$5
The 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.
$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.
$2.25
$2.00 per statement
$0
Our Coles Rewards Mastercard® was awarded Canstar’s 5-Star Rating for Outstanding Value Rewards Credit Cards in 2020 and 2021~, 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.
Enjoy 0% p.a. on purchases for 12 months from the date your account is approved. The promotional rate of 0% p.a. will apply to Retail Purchases (excludes Cash Advances). Plus, enjoy 0% p.a. on Balance Transfers for 12 months. Balance Transfer reverts to Cash Advance rate. Apply for a Coles Rewards Mastercard by 31 January 2022.*
The features listed on this page apply to new applicants only. Please see our existing customers page if you already have a Coles Mastercard.
Enjoy $10 off your Coles Supermarket shop each time you redeem 2,000 Flybuys Points in-store at checkout.^
Add your card to Apple Pay7 or Samsung Pay8 , quickly and easily. It's the simple and secure way to use your card on the go.
To obtain a copy of the Target Market Determination (TMD) related to this product click here.
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.
*The promotional rate of 0% p.a. will apply to Retail Purchases (excludes Cash Advances) for 12 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 Rewards Mastercard. Interest rates are variable and subject to change. 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. Please note you will not be entitled to any interest-free days on Retail Purchases at the end of the promotional period whilst you have a Balance Transfer. If you make a Retail Purchase before your balance transfer is processed, payments made during the promotional period will be applied to the Retail Purchase balance before the Balance Transfer. This offer is valid until 31 January 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 30,000 Bonus Flybuys Points when you apply for a Coles Rewards Mastercard by 31 January 2022, are approved and then spend $1,000 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 60 days of being approved. Your Flybuys Membership Account number must be provided on your application to receive this offer. The 30,000 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.
3 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.
4 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.
5Complimentary 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.
6 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.
7Apple 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.
8Samsung 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.
^ 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).
2 An eligible spend 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
~The Canstar 5-Star Rating for Outstanding Value Rewards Credit Cards in 2020 and 2021 was awarded to the Coles Rewards Mastercard.
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.
