Coles MasterCard – flybuys Points Rewards Program

Rates and Fees verified correct on November 29th, 2014

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.

  • $49 p.a. annual fee
  • 19.99% p.a. on purchases
  • 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 November 29th, 2014

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Points per $ spent
Coles Rewards Mastercard
Coles Rewards Mastercard
A low annual fee credit card with a low interest rate. 19.99% p.a. $49 p.a. VISA/MC: 2 AMEX: 0 Go to site More info
Coles No Annual Fee MasterCard
Coles No Annual Fee MasterCard
Enjoy a low interest rate plus a $0 annual fee. 0% p.a. for 6 months (reverts to 17.99% p.a.) $0 p.a. VISA/MC: 0.5 AMEX: 0 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.


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.

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This page was last modified on 24 November 2014 at 16:11.

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Rates last updated November 29th, 2014
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ANZ Low Rate
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Westpac Low Rate Card
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A low interest rate credit card with a low annual fee and balance transfer offer. 12.49% p.a. 0% p.a. for 14 months $45 p.a. 21.49% p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
Receive 7500 Qantas Points and pay no annual fee ever. Plus earn 1 Qantas Point per $1 spent on all your everyday purchases. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 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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