Coles Credit Cards

Coles Credit Cards

2 points per $1* with Coles Rewards Credit Cards

Choose between two award winning Coles MasterCards - earn rewards faster with Coles Rewards MasterCard or pay no annual fee ever, with the Coles No Annual Fee MasterCard.

Coles Rewards MasterCard*

  • Low $49 annual fee
  • 2 points per $1 you spend everywhere when you apply1
  • MasterCard and flybuys card in one
  • Get $10 off your Coles Supermarket shop, instantly at the checkout, every time you redeem 2,000 points2
  • Free Coles online delivery each time you spend $100 or more and pay with your Coles MasterCard3
  • Up to 62 days interest free on purchases when you pay your balance off in full each month4
  • Interest rate is 19.99% p.a on all purchases and cash advances

Coles No Annual Fee MasterCard

  • NO annual fee ever
  • 1 point per $2 you spend everywhere when you apply1
  • MasterCard and flybuys card in one
  • Get $10 off your Coles Supermarket shop, instantly at the checkout, every time you redeem 2,000 points2
  • Free Coles online delivery each time you spend $100 or more and pay with your Coles MasterCard3
  • Up to 62 days interest free on purchases when you pay your balance off in full each month4
  • Interest rate is 19.99% p.a on all purchases and cash advances

So you can choose whether you'd like the Coles Rewards card - the fastest way to earn points, or the No Annual Fee card.

The Coles Rewards MasterCard is the fastest way to collect flybuys points1.

With a low annual fee and up to 62 days interest free on your purchases when you pay your account balance in full every month, you’ll collect points at three times the speed when you shop at Coles, and collect bigger and better rewards in no time.

Terms & Conditions

1 flybuys points awarded for using a Coles Credit Card linked to your flybuys membership are in addition to flybuys points awarded by flybuys partners. Coles Rewards MasterCard cardholders collect 2 points for every $1 spent on eligible transactions in addition to 1 point for every $1 spent at Coles Supermarkets. Eligible transactions are explained in the Coles MasterCard Loyalty Terms and Conditions. Eligible transactions exclude cash advances, credit fees or charges, credits, refunds, reimbursements, business purchases or balance transfers into your account. Standard flybuys Terms and Conditions apply, see flybuys.com.au. Note that partners’ earn rates vary.

2 2,000 flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express, Coles Local and Coles Online. Minimum spend is $10.05 after savings and discounts in one transaction at Coles Supermarkets and BI-LO (excluding smoking/tobacco related product purchases, Coles Group gift cards and iTunes cards).

3 Receive free delivery each time you spend $100 or more, after savings and discounts, with a Coles MasterCard at shop.coles.com.au. Offer can be withdrawn at any time. Offer excludes tobacco and tobacco related product purchases and remote delivery orders. To see if we deliver to your area, visit shop.coles.com.au and enter your postcode. Normal delivery terms and conditions apply.

4 To receive interest free days on your everyday MasterCard purchases, you must pay your balance in full every month.

Coles is a registered trademark of Coles Supermarkets Australia Pty Ltd. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International. PayPass is the trademark of MasterCard International Incorporated. Credit facility provided by Wesfarmers Finance Pty Ltd (ABN 58 601 282 455), Australian Credit Licence number 470916.

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