Credit Cards

Terms and conditions

Credit card criteria

Credit criteria, fees and charges, terms and conditions apply. Individuals must be 18+. 

¹Offer available to new customers only who apply for a Coles Rewards Mastercard by 30 September 2021. 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 14 months. The 14 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 and Balance Transfer fee will revert to the Annual Percentage Rate for Cash Advances, currently 19.99% p.a. Please note you are not entitled to any interest free days on 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 30 September 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. This offer cannot be used in conjunction with any other offer and 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.

⁹Subject to your application approval, you will not be billed an annual fee in the first year. This will revert to the full annual fee, currently $99 for the Coles Rewards Mastercard, in subsequent years whilst the Account remains open. This offer is valid until 30 September 2021. 

¹⁰New customers only who apply for a Coles Low Rate Mastercard by 30 September 2021. 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 15 months. The 15 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 Annual Percentage Rate for Cash Advances, currently 19.99% p.a. 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 30 September 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. This offer cannot be used in conjunction with any other offer and 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.

 ¹¹ To receive the $100 off your Coles Supermarket shop, you must apply for a Coles No Annual Fee Mastercard by 30 September 2021 then spend $1,500 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 the Account approval date. The $100 off your Coles Supermarket shop will be available on the Flybuys Membership Account linked to the Coles No Annual Fee Mastercard for use within 4 weeks of meeting the spend criteria. To redeem the $100 off shop, you must scan your Flybuys barcode and spend a minimum of $100 after savings and discounts in one transaction at Coles Supermarkets (excluding gift cards, iTunes cards, tobacco and tobacco related purchases). $100 off shop can only be used once and expires 90 days from the day it is applied to your Flybuys Membership Account. Excludes Coles Express and Coles Online. This offer cannot be used in conjunction with any other new credit card offer.

*New customers only who apply for a Coles No Annual Fee Mastercard by 30 September 2021. 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 Annual Percentage Rate for Cash Advances, currently 19.99% p.a. Please note you are not entitled to any interest free days on 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 30 September 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. This offer cannot be used in conjunction with any other offer and 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.

³ Apple 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.

⁴ Samsung 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 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.

⁶ 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.

⁷Complimentary 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.

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).

²For the Low Rate Mastercard, Flybuys Points are earned on Coles Spend which means Eligible Transactions at Coles Supermarkets. For the No Annual Fee Mastercard and Rewards Mastercard, Flybuys Points are earned on eligible spend which is an Eligible Transaction 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. Both Coles Spend and Eligible Transactions is defined in the Coles Mastercard Rewards Terms and Conditions found at www.coles.com.au/mastercard-important-information.  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.