Coles offers a range of credit cards with rewards, low rate and no annual fee options. If you're a member of the Flybuys rewards program, your Coles credit card can also double as your Flybuys membership card.
Coles was recognised in the 2024 Finder Credit Card Awards, with the Coles No Annual Fee Mastercard named as highly commended in the Best No Annual Fee Rewards Credit Card category and Coles Rewards Mastercard in the Best Rewards Credit Card category.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
The Coles Rewards Mastercard gives you a way to earn Flybuys points on all your eligible spending, anywhere Mastercard is accepted. It offers 2 Flybuys points per $1 spent on all eligible purchases up to $3,000 per statement period and 1 point per $1 after that. When you shop at Coles and other Flybuys partners, you'll also points through your Flybuys membership.
Coles low rate credit cards
The Coles Low Rate Mastercard has a low interest rate of 12.99% p.a. for purchases, which is competitive with other low rate credit cards. Unlike most low rate cards in Australia, it also offers rewards, earning an equivalent to 0.5 Flybuys points per $1 spent at Coles Supermarkets – on top of the points earned by scanning your Flybuys membership barcode.
Coles no annual fee credit cards
The Coles No Annual Fee Mastercard is one of the few credit cards in Australia that offers no annual fee and rewards. This means you can get extra value from the card without wondering if your reward points will balance out the cost of the annual fee.
It offers an equivalent 0.5 Flybuys points per $1 spent on eligible purchases anywhere you use the card as well as the usual Flybuys points you earn for spending with partnered retailers. Points are awarded in whole numbers and are rounded down, meaning you earn 1 point per $2 spent with this card.
The benefits of getting a credit card with Coles Mastercard
Each Coles Mastercard credit card has different features, but these are the ones you'll get with any of them:
Flybuys rewards
Coles credit cards have your Flybuys membership details printed on the back of them, so you only have to pull out one card at the check out. The Coles Low Rate Mastercard also offers points per $1 spent on eligible purchases at Coles Supermarkets, and both the Coles Rewards and Coles No Annual Fee cards also earn points for eligible purchases you make anywhere (even if it's not a Flybuys partner).
Get money off your shopping at Coles
If you want to use rewards to save on your supermarket shopping, you can you can redeem a minimum of 2,000 Flybuys points for $10 off at participating Coles Supermarkets. Known as Flybuys Dollars, you can also use this reward to get money off shopping at other partners including Kmart, Target and Coles Express.
Balance transfer offers
You can save money on your existing credit card debt by transferring it to a Coles Mastercard with a balance transfer offer. For example, the Coles Low Rate Mastercard offers 0% p.a. on balance transfers for the first 15 months you have the card. But keep in mind that any balance remaining after the promotional period will attract interest at the cash advance rate.
Digital wallets and contactless payments
You can make payments from your smartphone or eligible device with any of these mobile wallets:
Apple Pay
Google Pay
Samsung Pay
Coles Mobile Wallet App
This app gives you a way to keep track of your spending, put a temporary lock on your card, make BPAY payments, check your Flybuys balance and manage other account details. If you prefer to use a web browser, you can also manage your account through the Coles Online Service Centre.
Credit card instalment plans
Coles credit cards offer three types of instalment plans, which give you a way to pay off your credit card balance over a set period of time, with fixed monthly repayments that can make it easier to budget. The options available depend on the type of spending or balance and are subject to eligibility.
Plan
Description
Statement instalments
Convert retail purchases from your closing balance into a structured payment plan, with a minimum of $500 and monthly instalment repayments.
Transaction instalments
Convert new shopping to a payment plan before it shows up on your statement. You can do this with any eligible purchase over $50.
Cash instalments
Access a minimum of $500 and up to 90% of your available credit limit as cash for bills, study or anything else you need and pay it off in instalments. This option is similar to a small personal loan, but make sure you check the rates and fees so you know how much it will cost before you get it.
You can check if you're eligible for an instalment plan by calling Coles Mastercard on 1300 066 985. Once a plan is set up, you'll see details on your credit card statement. Learn more about using instalment plans on a credit card to see if they'll work for you.
Security
These cards offer 24/7 account security through Coles Shield and Mastercard Zero Liability for fraudulent transactions.
Eligibility criteria
Before you can get a Coles credit card, there are a few eligibility boxes you need to tick. Each card has its own list of criteria, but these are the ones you'll need to meet for all of them:
Age. You must be at least 18 years of age.
Residency status. You must be a permanent resident or citizen of Australia.
How long does it take to apply?
You can apply for a Coles Mastercard online in about 10 minutes if you have all the details you need ready. Once you submit the application form, you'll also get a response within 60 seconds.
Information and documents you need to apply
During the application, you'll need to provide a mix of details about your personal and financial situation. This includes:
Personal details. Your full name, date of birth, contact details, family situation and whether you rent or own your home. You also need to verify your identity by providing details from your driver’s licence or passport.
Financial details. Your income and assets, including savings or investment returns. Plus your share of regular expenses such as mortgage payments, rent, utility bills and supermarket shopping.
Details if you're employed full-time or part-time. Your main occupation, type of employment and your employer's contact details. Plus supporting documentation, such as your two most recent payslips, bank statements showing your income or your most recent Tax Assessment Notice.
If you're employed casually. Details about your main occupation and employer's contact details, plus supporting documentation such as your two most recent payslips, your most recent individual tax return or a signed letter from your employer that confirms your employment status, length of employment and your gross income (dated in the last 30 days).
If you're a contractor. Details about your main occupation and employer's contact details, with a copy of your signed employment contract. Plus supporting documentation such as your two most recent payslips, your most recent individual tax return or a signed letter from your employer that confirms your employment status, length of employment and your gross income (dated in the last 30 days).
If you're self-employed. Your accountant's name, the accountancy firm and their contact number. You also need to include your two most recent Tax Assessment Notices (prepared or audited by an accountant). If you don't have these documents, you could submit your two most recent Individual Tax Returns and two most recent Individual Notices of Assessment from the Australian Taxation Office.
If you're retired or on a pension. Details about your finances and supporting documentation such as your most recent pension statement, an annual superannuation statement with an indexed pension amount, a letter from Centrelink or three months of personal bank statements showing regular credits or cash deposits.
Get income from a mix of sources? Include as much supporting documentation as possible for your application. Or, call Coles on 1300 265 727 to talk about your situation.
Credit card details
During the application, you'll also be asked about details of your new credit card. The two key details to look at are:
Current Flybuys number. You can include your Flybuys membership number on the application so that your details are printed on the back of your Coles credit card if your application's approved. If you're not a Flybuys member, you can also join for free by visiting the Flybuys website – and can update the Flybuys details linked to your card through the Coles Online Service Centre.
Credit limit. If you have a credit limit in mind, you can include that as part of the application. Note that Coles will offer you a credit limit based on its assessment of your application, which could be lower than the one you've requested.
Balance transfers. If you're moving a debt to a new Coles card with a 0% balance transfer rate, you need to include the account details and the amount of debt you want to transfer. Just keep in mind that the balance transfer is approved separately and the amount that's transferred depends on the credit limit you get for your new Coles card.
What happens after you apply?
When you submit your completed application form, you'll get a response within 60 seconds giving you an initial outcome. Coles will also send you an email with a summary and application reference number. You'll also get details about providing more supporting documentation (if that's needed).
Credit card brands similar to Coles Mastercard
If you want rewards or brand-related perks, here are 3 other credit card providers you could compare with Coles:
Coles credit cards are issued by NAB, after it acquired Citi's consumer banking business on 1 June 2022. But the card branding and your day-to-day account management is typically through Coles.
People with Coles credit card accounts that were opened before 2018 may have had their details compromised by the 2023 Latitude cyber attack. This is because Latitude Financial was the former issuer of Coles credit cards. Latitude Financial has said it is in the process of contacting people affected by the cyber attack and is posting updates on the Latitude website.
Your Coles credit card account would not be affected by the Latitude cyber attack if you opened it in 2018 or later, after Citigroup (and now NAB) became the issuer of Coles credit cards.
You can call the Coles customer support team on 1300 306 397 or use the live chat service when you have logged in to your online account. The Coles website also has an online, email contact form.
If you want to contact Coles specifically about financial hardship, call 1800 931 356 or email hardship@secure.coles.com.au.
You can activate your Coles credit card through the Coles Mobile Wallet app or Coles Online Service Centre by logging in and following the prompts. Or, call 1300 306 397.
You can make a payment to your Coles Mastercard using the details on your statement. The different options include:
Direct debit. By completing and sending in a direct debit request form (available from the Coles website), you can automatically pay your Coles Mastercard when your statement is issued. You have the option of paying just the minimum monthly repayment, a specified amount or you can automatically pay your entire balance each month. You need to pay your Coles Mastercard from another bank’s transaction or savings account.
BPAY. Log on to your internet banking facility and pay your Coles Mastercard using BPAY. The Coles Mastercard BPAY Biller Code is 8862 and your customer reference number is your 16 digit Coles Mastercard account number. Note that BPAY payments are only processed during business hours and can take up to three business days to process. Transactions made over the weekend and on public holidays may take a little longer to process.
At an Australia Post retail outlet. Pay your credit card in person by taking your Coles Mastercard statement to an Australia Post retail outlet. Remember that there’s a small fee if you want to pay your Coles Mastercard in person at Australia Post.
By cheque. You can find a payment slip issued with you Coles Mastercard statement. Rip this off and send it with a cheque to Coles Mastercard Customer Care, GPO Box 236E, Melbourne, VIC, 8111.
You can make payments at any time, but will always need to pay at least the minimum amount listed on your statement by the due date. The minimum repayment is usually the lesser of $30 or 2% of the balance. Otherwise, a late payment fee will apply.
If you want to increase or lower your credit limit, call the Coles Mastercard customer service team on 1300 306 397.
Keep in mind that your credit limit is based on how much you can afford to repay, so if you accepted the maximum credit limit when you applied for a Coles Mastercard and your circumstances have not changed, you may not be eligible for a credit limit increase.
You can close your Coles Mastercard account by logging in to the Online Service Centre and going to the "Manage My Card" section. Or, call the Coles customer service team on 1300 306 397. Just make sure you don’t owe any money on your card.
Coles only offers Mastercard credit cards. But both Mastercard and Visa cards offer worldwide acceptance and similar ways to pay.
Yes, you can use a Coles credit card to pay for shopping at Woolworths or anywhere else that accepts Mastercard payments. With the Coles Rewards Mastercard and Coles No Annual Fee Mastercard, you'll even earn Flybuys points per $1 on eligible spending.
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
If you wish to send a Coles gift card to your loved ones, have a look at this guide and find out what should be considered before buying and using one.
Hi Sue,
There are age limits between 2 and 24 for dependants but no other age limits are listed in the current Coles Platinum Mastercard Complimentary Insurance Terms and Conditions booklet available on the Coles website (effective 1 June 2022 with amendments effective 15 July 2023). Keep in mind that eligible credit card customers get access to complimentary transit accident insurance, purchase protection insurance and extended warranty cover. If you want comprehensive international travel insurance, you can compare other credit cards with travel insurance on Finder. I hope that helps.
Hi Donald,
If there is a “Go to site” button, you can apply for a Coles Mastercard through Finder by using it. I checked the links before replying to you and I can confirm that they worked for me. If there is no “Go to site” button, you could apply directly through Coles. I hope that helps.
I have a Coles Platinum Mastercard. I understand the Fly Buys bit but am confused about points that can be earned by using the card to pay for all sorts of things which have nothing to do with the Wesfarmers stable of outlets. For example all utilities, Council rates, petrol, freeway tolls, health insurance etc are paid using the Coles Mastercard. Last moths tally was over $6k. How do I get rewarded for this ?
It depends on the type of Coles Mastercard you have – you could use the table here to see which one you have. If you have a Coles Rewards Mastercard or a Coles No Annual Fee Mastercard, you’ll automatically earn points per $1 on all eligible spending, whether it’s a Flybuys partner or not. But the key is that it does have to be “eligible spending” – a definition that covers most retail purchases (including petrol). Your Flybuys account should show details of when you’ve earned points with the card, in the “activity” section.
Transactions that aren’t eligible to earn points include BPAY payments and government-related transactions, which can include council rates, vehicle registration fees, tolls, parking meters and even transactions at Australia Post. These are examples included in the Coles Mastercard Rewards Terms and Conditions, which has full details.
It’s also worth noting that the Coles Low Rate Mastercard only offers additional points at Coles Supermarkets. I hope that helps!
You can activate your card in the Online Service Centre in three ways:
– When you register for the Online Service Centre, you will be prompted to activate your card
– On the homepage, click “Activate” next to the card you wish to activate
– Click the card you wish to manage, click “Manage My Card”, and click “Activate” next to activation status
To activate your card you will need to enter the CVV (three digit number on the back of the card).
To obtain or update the PIN:
– Login using your username or password
– Select the card for which you’d like to set an ATM PIN
– Click “Manage My Card”
– Click “Change PIN” and choose your new PIN
– Alternatively, you can call them to have a new PIN mailed to you
You may go to the Shop Coles website, signup, and checkout with your postal code to determine if your area is covered by the free delivery promotion. Hope that helps!
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What is the age limit for Travel Insurance on a Coles Platinum CardW
Hi Sue,
There are age limits between 2 and 24 for dependants but no other age limits are listed in the current Coles Platinum Mastercard Complimentary Insurance Terms and Conditions booklet available on the Coles website (effective 1 June 2022 with amendments effective 15 July 2023). Keep in mind that eligible credit card customers get access to complimentary transit accident insurance, purchase protection insurance and extended warranty cover. If you want comprehensive international travel insurance, you can compare other credit cards with travel insurance on Finder. I hope that helps.
I am trying to get into Coles Credit Card site via Finder.It won’t take me there.Should I apply direct on their site?
Hi Donald,
If there is a “Go to site” button, you can apply for a Coles Mastercard through Finder by using it. I checked the links before replying to you and I can confirm that they worked for me. If there is no “Go to site” button, you could apply directly through Coles. I hope that helps.
I have a Coles Platinum Mastercard. I understand the Fly Buys bit but am confused about points that can be earned by using the card to pay for all sorts of things which have nothing to do with the Wesfarmers stable of outlets. For example all utilities, Council rates, petrol, freeway tolls, health insurance etc are paid using the Coles Mastercard. Last moths tally was over $6k. How do I get rewarded for this ?
Hi Philip,
It depends on the type of Coles Mastercard you have – you could use the table here to see which one you have. If you have a Coles Rewards Mastercard or a Coles No Annual Fee Mastercard, you’ll automatically earn points per $1 on all eligible spending, whether it’s a Flybuys partner or not. But the key is that it does have to be “eligible spending” – a definition that covers most retail purchases (including petrol). Your Flybuys account should show details of when you’ve earned points with the card, in the “activity” section.
Transactions that aren’t eligible to earn points include BPAY payments and government-related transactions, which can include council rates, vehicle registration fees, tolls, parking meters and even transactions at Australia Post. These are examples included in the Coles Mastercard Rewards Terms and Conditions, which has full details.
It’s also worth noting that the Coles Low Rate Mastercard only offers additional points at Coles Supermarkets. I hope that helps!
I want to activate my MasterCard and to obtain a PIN. Where to find the coles credit card online service centre?
Hello William,
Thank you for your comment.
You can activate your card in the Online Service Centre in three ways:
– When you register for the Online Service Centre, you will be prompted to activate your card
– On the homepage, click “Activate” next to the card you wish to activate
– Click the card you wish to manage, click “Manage My Card”, and click “Activate” next to activation status
To activate your card you will need to enter the CVV (three digit number on the back of the card).
To obtain or update the PIN:
– Login using your username or password
– Select the card for which you’d like to set an ATM PIN
– Click “Manage My Card”
– Click “Change PIN” and choose your new PIN
– Alternatively, you can call them to have a new PIN mailed to you
Regards,
Jhezelyn
Where is a remote area classified from, for the coles free delivery for purchases over $100.00 ? Is postcode 4890 remote ?
Hi Les,
Thank you for your query.
You may go to the Shop Coles website, signup, and checkout with your postal code to determine if your area is covered by the free delivery promotion. Hope that helps!
Cheers,
Ian