Coles MasterCard – flybuys Rewards Program

Information verified correct on May 26th, 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 $15,000 p.a.

Coles Mastercard Comparison

Rates last updated May 26th, 2016.

Coles No Annual Fee MasterCard

New offer of $100 off a single Coles Supermarket shop if you apply by 31 May 2016.

April 4th, 2016

Coles Rewards Mastercard

New offer of $100 off a single Coles Supermarket shop if you apply by 31 May 2016.

April 4th, 2016

Coles Rewards Platinum Mastercard

New offer of $100 off a single Coles Supermarket shop if you apply by 31 May 2016.

April 4th, 2016

View latest updates

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
Receive $100 off a single Coles Supermarket shop plus enjoy no annual fee for the life of the card and earn 0.5 flybuys point per dollar spent.
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
Receive $100 to spend at Coles Supermarkets. To receive this offer, you need to complete and submit the secure online application and be approved by . Earn 2 flybuys points for every $1 spent, 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
Earn 2 flybuys points for every $1 spent and pay low annual fee. Plus, receive $100 off a single Coles Supermarket shop if you apply by 31 May 2016.
VISA/MC: 2 AMEX: 0 19.99% p.a. 0% p.a. for 6 months $89 p.a. Go to site More info
Coles No Annual Fee Platinum MasterCard
Enjoy a low balance transfer offer, upgrade to a platinum card, receive $100 off a single Coles Supermarket shop and pay no annual fee. Eligible applicants only.
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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Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 0.99% p.a. for 4 months with a low annual fee.
0.99% p.a. for 4 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
14.99% p.a. 0% p.a. for 12 months $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
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points when you spend $2,500 within the first three months and 1.5 points per $1 spent. Get complimentary airport lounge access, 24/7 concierge with $0 annual fee in the first year.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au 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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