Rewards Mastercard

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.

Features

Compare all cards

Other cards you may be interested in

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. 

¹You will receive 50,000 Bonus Flybuys Points when you apply for a Coles Rewards Mastercard by 30 June 2024​, are approved and then spend $3,000 or more on eligible retail purchases (excluding Cash Advances, Balance Transfers, Special Promotions, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges, refunds and chargebacks) in the first 3 months of the Account approval date (spend period). Please note, purchases must be processed and charged to your account within the spend period. You will receive the Bonus Flybuys Points within 4 weeks of meeting the required $3,000 spend, credited to the Flybuys Membership Account linked to your Coles Mastercard. Include your Flybuys number on your application to receive this offer. This offer cannot be used in conjunction with any other offer. Your Coles Mastercard needs to be in good standing (for example – your account is not in default, suspended or closed) for the Bonus Flybuys Points to be awarded. This offer is not available when closing or transferring from another Coles branded credit card account or in conjunction with any other Coles branded credit card offer. 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.

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.

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

⁶The 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 a Cash Advance from the date of the transaction. 

7Complimentary 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 coles.com.au/mastercard-important-information 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.

⁸ 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.

⁹The 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 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, 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.

^{^}Flybuys dollars Redemption: Flybuys dollars can only be redeemed in increments of $10. Flybuys dollars may be used in-store at Coles Supermarkets, Liquorland, First Choice Liquor, First Choice Liquor Market, Coles Express, Kmart, Target, Officeworks and mycar only. Flybuys Points can be converted to Flybuys dollars in multiples of 2,000 points only. 2,000 points equates to $10 Flybuys dollars. Flybuys dollars cannot be used for online purchases. Flybuys Points and Flybuys dollars have no cash or monetary value. Click here for the Flybuys dollars terms and conditions. Standard Flybuys and Flybuys Rewards terms and conditions also apply. 

Awards

^~The Canstar 5-Star Rating for Outstanding Value Rewards Credit Cards in 2020, 2021, 2022, 2023 was awarded to the Coles Rewards Mastercard.