Coles MasterCard Application

Information verified correct on October 25th, 2016
Coles MaterCard logo

A Coles MasterCard can be a good way for loyal Coles customers to get something back for their everyday purchases. There are many Coles credit card products to choose from, so it’s best to compare your options to decide which one provides you with the most value.

Applying for a Coles MasterCard isn’t a difficult process, though there are some eligibility requirements you’ll need to consider before submitting your application.

Follow our easy guide below to ensure simplify your application experience.

Coles No Annual Fee MasterCard

Coles Credit Card Offer

Coles No Annual Fee Mastercard offers a low introductory interest rate on purchases. Plus no annual fee and earn flybuys points everywhere you spend.

  • $0 p.a. annual fee
  • 0% p.a. for 15 months (reverts to 19.99% p.a.) on purchases
  • 0% p.a. for 6 months on balance transfers
  • Cash Advance Rate of 19.99% p.a.
  • Up to 62 days interest free
  • Minimum Income Requirement of $25,000 p.a.

What do you need to prepare for the Coles MasterCard Application?

Before you submit your application, take a bit of time to prepare the appropriate documentation that will be required. In order to qualify for a Coles credit card application, you may need to verify you’re over 18 years old at the time of application.

This can mean providing identification documents that may include a birth certificate, passport, driver’s license or other suitable photo ID.

Coles Mastercard Comparison

Rates last updated October 25th, 2016.

Coles Low Rate MasterCard

Purchase rate has been updated from 12.99 to 9.99% p.a.

February 10th, 2016

Coles Rewards Platinum MasterCard

2 flybuys reward points for every dollar spent + a low balance transfer offer

May 30th, 2016

Coles Platinum No Annual Fee MasterCard

New offer of 0% p.a. for 15 months on purchases is valid until 31 December 2016.

October 5th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Coles No Annual Fee MasterCard
Enjoy low purchase rate offer of 0% p.a. for 15 months and no annual fee for the life of the card. Earn 1 flybuys point for every $2 spent.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 6 months $0 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
9.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info
Coles Rewards Mastercard
Earn 2 flybuys points for every $1 spent and pay no foreign transaction fees on online and international purchases.
19.99% p.a. 0% p.a. for 6 months $89 p.a. Go to site More info
Coles Rewards Platinum MasterCard
Enjoy 2 flybuys points for every $1 spent and pay a low annual fee.
19.99% p.a. 0% p.a. for 6 months $89 p.a. Go to site More info
Coles Platinum No Annual Fee MasterCard
Enjoy no annual fee for the life of the card, low interest rate offer on purchases for up to 15 months with platinum card benefits.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 6 months $0 p.a. Go to site More info

Income Details

You may be asked to verify that you have an income. Regardless of what type of income you’re currently receiving, you will need to provide evidence of how much you’re currently earning. If you have payslips or statements from Centrelink, then provide these documents to the lender as part of your application.

These documents help the credit assessor to determine whether you’ll be able to repay the amount of money you may spend on your credit card in the future.

Repayments and Bills

If you’re currently repaying other loans or credit cards, or if you’re paying rent each week, you may need to provide details of how much your current minimum repayments are for each of these. You might also be required to provide your landlord’s details.

Information about repayments and debt consolidation


Before you sign and submit your Coles credit card application, be sure to take a little time to read through the contract terms and conditions. Once you sign the contract agreement, you’ll be bound by the terms laid out in the fine print.

To help protect yourself against any unforeseen conditions or charges that may arise, it’s best to know in advance what is expected of you and what the lender may resort to in a worst case scenario.

If you don’t understand the wording laid out in the terms and conditions, be sure to ask a representative. Ask plenty of questions and be sure you understand exactly what’s required of you. If you don’t receive an answer that makes sense to you, ask for further clarification.

After all, this is your money that will be repaying the amounts you charge in future, so it’s important you understand your own obligations under the contract conditions in full.

It’s relatively simple to submit your Coles credit card application online. Simply fill in the online form and submit your application, but be sure you’ve taken some time to read through the terms and conditions before you do so.
Types of Coles Credit Cards

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46 Responses to Coles MasterCard Application

  1. Default Gravatar
    Dong | August 23, 2016

    With Coles Prepaid Cards, you simply buy, load your money and then you’re free to spend the balance anywhere MasterCard is accepted.

  2. Default Gravatar
    Peter | August 4, 2016

    It should go without saying that this is only applicable to people who meet the other requirements of applying for the Coles MasterCard in the first place. Please be aware that the offer to waive the annual fee is only available while you are a Coles team member.

    • Staff
      May | August 4, 2016

      Hi Peter,

      Thank you for your comment.

      Further to that information you shared, the annual fees for the Coles Low Rate MasterCard and Coles Rewards MasterCard will be waived (for a Coles team member) as long as that team member has a valid myColes card, Kmart for you card, Target for you card, or Officeworks team member card.


  3. Default Gravatar
    Robert | July 6, 2016

    How to email the verified driver licence?

    • Staff
      May | July 7, 2016

      Hi Robert,

      Thanks for your inquiry.

      If Coles asked you to submit documents (IDs, driver’s license, passport, utility bill, etc) as part of their verification process of your credit card application, you may need to complete the ‘Identity Verification Form’ and lodge this form at any post office that has Bank@Post facilities together with the documents they require.

      For your convenience, I’ve sent to your email the link to the Identity Verification Form.

      I hope this is helpful.


  4. Default Gravatar
    john | May 11, 2016

    Could you please give me Application form for Coles Mastercard

    • Staff
      Anndy | May 11, 2016

      Hi John,

      Thanks for your comment.

      To submit an application for a particular Coles Mastercard credit card, simply click the “Go to site” button above and you will be redirected to the bank’s application page. When you’re there, click the green “Get Started” button and follow the step-by-step procedure.

      I hope this helps.


  5. Default Gravatar
    Drey | April 21, 2016

    When i go to the post office to validate my ID. I have my passport and I need a secondary documentation, I live in rent place, So I have my contract, a receive of bills and a residence letter, BUT in the post office said that the name in the bills have be my name.. what should I do?

    • Staff
      Sally | May 13, 2016

      Hi Drey,

      Thanks for your question.

      Yes, your bills should be under your name. If they’re not, you might need to contact Coles directly to confirm if there’s a substitute form of identification you can provide.

      I hope this has helped.



  6. Default Gravatar
    Christine | February 27, 2016

    I applied online for a Low Rate Coles Master Card. I came back approved and said an email was sent to verify my ID. I have not receive any email. Can you please tell me how to proceed with this.


    • Staff
      Jonathan | February 29, 2016

      Hi Christine, thanks for your inquiry!

      You can contact the Coles MasterCard team on 1300 306 397 (Mon-Fri 8.00am – 9.00pm AEST) to request your email to be resent.



  7. Default Gravatar
    Emma | December 16, 2015

    I applied online for a Low rate Coles MasterCard. It was conditionally approved. It took me through too verify my I.D which I entered my Drivers license but it said it didn’t recognise it!
    Have received no email not sure now what too do.

    • Staff
      Sharon | December 16, 2015

      Hi Emma,

      Thanks for your question.

      Please note that is a comparison service and is not directly involved in Coles MasterCard’s application process.

      You may need to get in touch with Coles directly at 1300 306 397 to ask for further assistance regarding your application.

      I hope this helps.


  8. Default Gravatar
    Richard | December 15, 2015


    I recently had my credit card application rejected. Following a telephone enquiry, was told that if I have supporting evidence/documents highlighting my financial status, I can re-submit my application.

    Now that I have my documents ready, can u pls advice how I can go about with this new application.


    • Staff
      Ally | December 15, 2015

      Hi Richard,

      Thanks for your inquiry.

      Kindly note that you have come through to, an online comparison service that does not represent any credit card issuer, including Coles.

      Nonetheless, you may resubmit your application by clicking on the “Go to site” (green) button of your preferred Coles credit card on the table above.

      Do ensure that you meet the criteria below:

      1. You’re at least 18 years old.
      2. You’re a permanent Australian resident.
      3. You have a good credit history.
      4. You must have an after-tax income of at least $15,000 p.a.

      And you have the following information ready:

      1. Your complete name, date of birth, relationship status, and number of dependents
      2. Your email address, phone number, residential address, and residential status
      3. Your employer’s name, address, and phone number
      4. Details of your income from all sources
      5. Details about your expenses, which include all outstanding debts

      For further/direct assistance, I have emailed you Coles’ contact details as well.

      I hope this has helped.


  9. Default Gravatar
    Michael | November 22, 2015

    How do I find my approved credit card application

    • Staff
      Jonathan | November 22, 2015

      Hi Michael, thanks for your inquiry!

      To request your credit card application you can contact Coles MasterCard directly on 1300 265 374. If you have been approved then Coles will send your new card to your designated address in approximately 5 working days.



  10. Default Gravatar
    tina | November 13, 2015

    I have applied for a Coles MasterCard credit card but I have not received a reply or find my application?

    • Staff
      Ally | November 13, 2015

      Hi Tina,

      Thanks for your inquiry.

      Please note that you have reached, a comparison service that is not directly involved in Coles MasterCard’s application process.

      However, approval for credit applications generally occurs after an individual’s details have been fully verified and supporting documents have been supplied.

      That said, I have sent their contact details to your email to allow you to inquire further into your application status.

      I hope this has helped.


    • Staff
      Sally | November 13, 2015

      Hi Tina,

      Thanks for your question.

      You may need to get in touch with Coles directly to confirm the status of your application. There could’ve been an error that has stopped your application from going through, so it’s best to chase this up as soon as possible.

      I’ve emailed you Coles’ contact information for your convenience.



Credit Cards Comparison

Rates last updated October 25th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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