Coles MasterCard – flybuys Rewards Program

Information verified correct on September 1st, 2016

Coles has a program that rewards customers for using their Coles Mastercard at participating Coles group stores.

To make the most out of this program, there are certain guidelines that need to be followed. Read how you could be rewarded for simply doing your weekly shopping. Customers shopping at participating Coles Group stores using a Coles MasterCard can claim rewards under a new program. However there are some conditions that need to be fulfilled before you can start earning these reward points. Given below are some of these conditions that will make your shopping even more rewarding.

Coles Rewards Mastercard

Coles MasterCard flybuys Offer

Coles Mastercard offers a low interest rate with a low annual fee. Receive $10 off on your Coles shop when you redeem 2,000 flybuys points.

  • $89 p.a. annual fee
  • 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.

Coles Mastercard Comparison

Rates last updated September 1st, 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 10,000 bonus points on sign up. Offer ends 30 September 2016.

September 1st, 2016

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Jonathan Choi Jonathan
Bonus Points Points per $ spent Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
VISA/MC: 0.5 AMEX: 0 9.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info
Coles No Annual Fee MasterCard
Earn 10,000 bonus points, 1 flybuys point per $2 spent and enjoy no annual fee for the life of the card.
10,000 bonus points VISA/MC: 0.5 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $0 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.
VISA/MC: 2 AMEX: 0 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.
VISA/MC: 2 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $89 p.a. Go to site More info
Coles Platinum No Annual Fee MasterCard
Receive 10,000 bonus points on sign-up and enjoy a low balance transfer offer, no annual fee ever with 24/7 platinum concierge service.
10,000 bonus points VISA/MC: 0.5 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info

How do I earn?

The Coles credit card rewards program operates in conjunction with its flybuys program. It allows you to earn extra flybuys points each time your use your card for eligible purchases. Membership to the flybuys program is complimentary and automatic when your Coles Mastercard application is successful.

Once you get know your flybuys number, you can start earning rewards by linking it to you Coles credit card and making eligible purchases using the credit card . You must however show your flybuys card each time you shop in order to earn the most amount of points, not doing so will only allow you to earn 1 points for every $1 you spend using the credit card.

Coles-Rewards-Flybuys-Table

Which items are ineligible for rewards?

Most of the transactions at Coles group stores using your Coles credit card are eligible for rewards. However there are some that are not eligible, they include:

  • Purchase of foreign currency, traveller’s cheques, convenience cheques, casino gambling chips and telegraphic transfers
  • Any fees, charges or interest which have to be paid in relation to your account
  • Any government fees and charges that may be payable
  • Any disputed transactions
  • Any transaction that are deemed to be for business purposes
  • Credits, refunds or reimbursements into your account
  • Any cash advances

Are there any limits on the flybuys points I can collect and when do they expire?

There is a no limit to the amount of flybuys points you can collect using your Coles Mastercard. Once in your flybuys account, point expire after 36 months. The status of your flybuys points will be shown on your Coles credit card statement which you will receive every month.

Learn more about Coles Rewards Mastercard here

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