Coles Rewards MasterCard – Rates & Fees

Rates and Fees verified correct on December 23rd, 2014
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  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

With Coles Rewards MasterCard earn points for every dollar spent in addition to flybuys points earned through Coles and flybuys partners

Earn flybuys points faster with 2.000 points for every $1 you spend on the Coles Rewards MasterCard. This is in addition to flybuys points that are earned with flybuys partners.

Coles offers two different credit cards depending on your needs. Looking for a card with no annual fee, there is the Coles No Annual Fee MasterCard. This card offers 0.500 flybuys point for every $1 you spend everywhere. They also offer the Platinum MasterCard for those who qualify for a credit line over $6,000. This includes additional benefits like 24 hour concierge services and merchandise insurance.

Product NameColes Rewards Mastercard
Rewards Programflybuys
Interest Rate on Purchases19.99% p.a.
Annual Fee$49 p.a.
Interest Free Period
on Purchases
The Interest free period on purchases is the period or number of days you don't have to pay interest on your card purchases. This would usually start from the first day of your credit card statement and not when the purchase is made.
up to 62 days
Interest Rate on Cash Advances19.99% p.a.
Minimum Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Minimum Monthly Repayment2.22%
Minimum Income$15,000 p.a.
Card TypeVisa
Late Payment Fee$25
Foreign Currency Conversion Fee (MC)2.5% of transaction value
Complimentary Travel InsuranceNo
Available to Temporary ResidentsYes
Joint ApplicationNo
Minimum Income$15,000
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Credit Rating RequirementGood
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Annual Fee$49 p.a.
Minimum Repayment2.22%
Late Payment Fee$25
Cash Advance Fee3% of the cash advance/cash equivalent transaction or $1.95, whichever is greater
Overseas ATM Withdrawal Fee$5
Foreign Currency Conversion Fee (MC)2.5% of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$0
Number of Additional Cardholders8
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchNo
  • You can enjoy an interest-free period of 62 days.
  • Allows up to 8 additional card holders at no extra charge.
  • Covered by Falcon security system to protect your account information.
  • Imposes a 19.99% p.a. interest rate on purchases.
  • Applies a $25 charge for late payment.
Rewards Programflybuys
Rewards Points per $ (VISA/MC)2
Rewards Points per $ (AMEX)0
Rewards Points per $ (VISA/MC) CapUncapped
Rewards Points per $ (AMEX) CapN/A
Points Expiry36 months

Coles Rewards MasterCard Review

The Coles Rewards MasterCard is an excellent choice if you shop Coles Supermarkets and flybuys partners. The ability to accumulate 3.00 points for every dollar spent can offset the $49 p.a. annual fee if the card is used regularly. Points add up quickly and you can receive $10 off Coles Supermarket purchases when you redeem 2,000 points, saving you money .

The Coles card also offers up to 62 days interest free on purchases as long as the balances are paid off each month by the due date.

Benefits of the Coles Rewards MasterCard


Rewards for Coles Rewards MasterCard

Coles Rewards MasterCard offers 2.000 points for every $1 spend. The Coles Rewards MasterCard provides a MasterCard Rewards card and flybuys card in one. No need to carry two cards. Just scan the barcode on the back of the Coles MasterCard when you make purchases at Coles or through flybuys. If you are not already a member of flybuys, you will automatically be enrolled when you are issued a Coles Rewards MasterCard.

Back To Top

Features of the Coles Rewards MasterCard

  • Annual fee is $49 p.a. per year.

    The Coles Rewards MasterCard annual fee is charged on the date of your first purchase and on every anniversary of that purchase.

  • Coles Platinum No Annual Fee MasterCard

  • Zero liability on purchases.

    Every Coles card comes with fraud protection by Falcon fraud management system. This benefit provides card holders with peace of mind knowing you will never be held responsible for unauthorised purchases made on the card.

  • MasterCard PayPass.

    For all Coles cards, any single purchase amounts under $100 dollars simply tap and go. For purchase amounts over $100 key in your PIN number. This provides faster checkouts and a greater level of convenience when making small purchases.

  • Free Delivery on Coles online.

    Applies to any single purchase over $100 when you pay with your Coles Rewards MasterCard. Saving both time and money with the convenience of shopping online.

  • Interest rate on purchases.

    19.99% p.a. interest rate for both purchases and cash advances, providing card holders with access to the credit line without the high cash advance interest rates.

  • Up to 62 interest free days.

    Coles Rewards MasterCard offers free interest up to 62 days as long as the balance is paid in full each statement cycle. This enables card holders to use the card and earn valuable points without paying any interest on purchases.

  • Online account management and Coles Mobile Wallet.

    Card holders can manage your account, pay bills and collect flybuys points through the mobile app or online. This creates an easy way to manage your finances, check balances and view all your account information securely.

How to apply for the Coles Rewards MasterCard


  • Must be 18 years or older
  • Must have after tax income of at least $15,000 p.a.
  • Must be an Australian resident or intend to stay for the next 12 months with corresponding visa
  • Recommended that you be the primary household earner

Documents Needed

  • Income verification
  • Employment verification
  • Proper personal identification such as an Australian driver’s license

Coles Rewards MasterCard is the fastest way to earn rewards when combined with flybuys. Click here to compare cards and select which one is right for you.

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This page was last modified on 14 November 2014 at 14:14.

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132 Responses to Coles Rewards MasterCard – Rates & Fees

  1. Default Gravatar
    | December 2, 2014

    Hi, will i be able to use my no annual fee credit card to take out cash via atm, shopping at coles and Safeway? Will there be a fee involved ? and if i pay my bill on time will i incur any interest on that cash amount? thanks

    • Staff
      Elizabeth | December 2, 2014

      Hi Deb,

      Thanks for your question.

      You will be able to use your Coles Rewards card anywhere MasterCard is accepted. If you pay your bill in full each statement period you will not incur interest on your purchases for 62 days.

      I hope this has helped.



  2. Default Gravatar
    Trang | November 15, 2014

    Does Coles Rewards Mastercard waive an annual fee of $49 after 1st year if the spending is over certain amount.

    • Staff
      Elizabeth | November 17, 2014

      Hi Trang,

      Thanks for your question.

      The $49 annual fee applies every year regardless of how much you spend. The fee will be applied after your first purchase and on the anniversary of that first purchase every year afterwards.

      I hope this has helped.



  3. Default Gravatar
    Kaye | November 1, 2014

    how much cash can I withdraw from my coles mastercard? (cad has a 10,000 limit)

    • Staff
      Elizabeth | November 3, 2014

      Hi Kaye,

      Thanks for your question.

      The daily withdrawal limit from an ATM is $1,000 and from a bank it is $3,000.

      I hope this has helped.



  4. Default Gravatar
    Jennefer | September 17, 2014

    Which ATM’s can I use with the Coles Mastercard without incurring fees

    • Staff
      Shirley | September 19, 2014

      Hi Jennefer,

      Thanks for your question.

      To our knowledge there aren’t any ATMs that you can use with the Coles MasterCard without incurring fees. Please note that if you intend to take cash-out the interest rate on cash advances will apply straight away and a cash advance fee will apply.


  5. Default Gravatar
    Ashley | August 17, 2014

    if I apply for a Secondary card do I get charged any fees related to this card.

    • Staff
      Shirley | August 18, 2014

      Hi Ashley,

      Thanks for your question.

      At the moment the additional cardholder fee is $0.


  6. Default Gravatar
    rumtytum | July 22, 2014

    Does the Coles card give me airline travel points?

    • Staff
      Shirley | July 23, 2014

      Hi Rumtytum,

      Thanks for your question.

      The Coles Rewards Card is linked to the Flybuys system, you can redeem Flybuys points for travel rewards.


  7. Default Gravatar
    Mei | July 15, 2014

    I have a Coles Rewards “Platinum” MasterCard, which I understood to be free with no annual fee. Now I see it as having a $49 annual fee after the first year. Is that true? I have been using it since it was incepted back in mid 2000 (?) but will definitely drop if there is a annual fee. Thanks.

    • Staff
      Shirley | July 15, 2014

      Hi Mei,

      Thanks for your question.

      At the moment this card has an annual fee of $49 at the time of writing, that applies after your first purchase and on the anniversary of that first purchase every year afterwards. It’s probably best to call Coles directly to enquire if the annual fee now applies to the card, though you should’ve received a newsletter informing you of the change.

      Coles has another product called the no annual fee Mastercard – could it be possible that you’re referring to that card instead?


  8. Default Gravatar
    XXX | July 10, 2014

    Hi, If I took out the Coles Rewards Mastercard for one year, can I change my account to the No Annual Fee Mastercard the second year?

    • Staff
      Shirley | July 11, 2014

      Hi XXX,

      Thanks for your question.

      You can change your account to the No Annual Fee Mastercard – though it will be treated as another application so you won’t be able to transfer your balance and you may be subject to Coles’ lending criteria again.


  9. Default Gravatar
    Jason | July 5, 2014

    Is it possible to Transfer current balances from Suncorp Visa and 28 Degrees Master Card to The Coles Rewards Master Card?

    • Staff
      Shirley | July 7, 2014

      Hi Jason,

      Thanks for your question.

      Unfortunately the 28 Degrees Mastercard isn’t eligible because it’s provided by GE Money, but the Suncorp Visa is eligible.


  10. Default Gravatar
    Josh | April 23, 2014

    Am I reading right that you accrue 2 flybuys points for every dollar spent on this card? What about additional flybuys points with participating partners by swiping your flybuys card?

    • Staff
      Shirley | April 24, 2014

      Hi Josh,

      Thanks for your question.

      You’ll earn the standard 2 points on top of the usual flybuy points from other partners. For example, if you shop at Coles then you’ll 3 points when you can the flybuys barcode on your card.


    • Default Gravatar
      Josh | April 24, 2014

      Thanks Shirley,

      But the points on this card expire after 36 months, is that correct?
      As opposed to the NAB flybuys Rewards Card which gives 1 point per $1 spent but the points never expire?


    • Staff
      Shirley | April 24, 2014

      Hi Josh,

      Yes that’s correct.

      Be mindful that when comparing credit cards, you should also take into account the interest rate and annual fee.


    • Default Gravatar
      Josh | April 24, 2014

      Hi Shirley,

      Just checking. Your write up on this card states:

      The Coles Rewards MasterCard rewards you every time you shop at Coles and partnered stores by saving you money off your next grocery bill. After receiving complimentary FlyBuys membership you can redeem your FlyBuys points for $10 off your grocery shopping at Coles Supermarkets and Coles Express every time your FlyBuys balance reaches 2,000 points.

      Can any points accumulated be used on normal Flybuys Rewards like flights etc? Or can points on this card only be redeemed by way of a discount on your grocery bill?


    • Staff
      Shirley | April 24, 2014

      Hi Josh,

      Thanks for your question.

      This particular promotion only applies to Coles Supermarkets, but if you accrue enough Flybuy points, you can redeem them through webjet for flights and accommodation.


    • Default Gravatar
      Josh | April 28, 2014

      Hi guys,

      Please disregard my previous questions. I called Coles Mastercard and they helped me out.


  11. Default Gravatar
    Jacqueline | April 9, 2014

    please advise to the status of my application as I have not had any communication since sending income statements through.

    Thank you,

    • Staff
      Matt | April 9, 2014

      Hi There Jacqueline,

      As we are a comparison service, we don’t deal with your application.

      Please contact Coles directly in regards to your application.


  12. Default Gravatar
    | March 19, 2014

    Where can I access cash?

    • Staff
      Jacob | March 19, 2014

      Hi, Tracy.

      Thanks for your question.

      You can withdraw cash from any ATM that accepts MasterCard cards. This is the vast majority of Australian ATMs and millions of locations worldwide.

      Please note that cash advance fees will apply, you can find this fees listed on our Coles MasterCard review page.

      I hope this helps.

  13. Default Gravatar
    | March 18, 2014

    I applied for a MasterCard and It’s got conditionally approved. But when I applied online it wouldn’t take my suburb which is Bradbury and comes under Campbelltown area in NSW. So I put Campbelltown instead of Bradbury in the application which I normally can use as my current address and I received the Id check form after a while. And when I took the form to the post office, they said the address have to be same as it’s showing on drivers license. I gave Coles customer care centre a call and they asked me to upload my license with my application but I couldn’t work it out how to do it. When I enter my email address to login it says there is no application available with that email address. What should I do ?

    • Staff
      Jacob | March 18, 2014

      Hi, Rana.

      Thanks for getting in touch with us.

      I wish I could give you an answer on this, however, this is a question that’s better directed to the Coles customer service team. They may need to give you your log in details so you can scan and upload a copy of your licence.

      I hope this helps.

  14. Default Gravatar
    trevor | February 26, 2014

    Could you post me out an application to increase my credit limit?

    • Staff
      Jacob | February 27, 2014

      Hi, Trevor.

      You’ll have to contact the lender directly, but the easiest way to do this is over the phone.

      Thanks for your question.

  15. Default Gravatar
    Imbo | February 16, 2014

    Hi, I am an international student and my parents are supporting my living expense here. As I will share my house with my classmates, my living expense tends to be very low. Under this circumstance, am I eligible to apply this card if I declare that I can receive money from my parents far more than the minimum income than what you have published? I have no salaries or incomes based on employment.

    • Staff
      Jacob | February 17, 2014

      Hi, Imbo.

      Thanks for your question.

      In order to apply for this card, you will need to prove that you’re earning above the minimum income requirement. Deposits from your parents do not count towards this.

      I hope this helps.

  16. Default Gravatar
    Rebecca | February 7, 2014

    Hi I applied online and uploaded necessary documents. I received a text msg saying they had received the documents. Have heard anything for two days. What happens now? Thanks

    • Staff
      Marc | February 10, 2014

      Hi Rebecca,
      thanks for the question.

      You can call Coles to find out the status of your application at any time. They will tell you how long your application is likely to still take.


  17. Default Gravatar
    Millie | January 14, 2014

    I m wondering the balance transfer is 0% for 6 months for a new card holder, does that mean you have to use that offer straight away? If u don’t need to use it till 3 months down the tract say, does that offer still apply or does that mean you are not considered ‘new” for that special offer any more? In the mean time, can u still use the card for purchases and get interest free or u better off do not use it till u need to do balance transfer? thanks

  18. Default Gravatar
    Leeann | January 10, 2014

    My Coles MasterCard has been conditionally approved but I didn’t do my verification online within 24 hours so now am waiting for an email on how to finish ID. It has been 3 days already and no email, how long will it take. Thanks

    • Staff
      Jacob | January 11, 2014

      Hi, Leeann.

      If you’re looking to get your card as soon as possible, best to give them a call and follow up on your application. You can find contact numbers on this page. The contact number for Coles is above the table.

      Thanks for your question.

  19. Default Gravatar
    mel | January 9, 2014

    What is Foreign Currency Conversion Fee (MC) and how does it work overseas? Do i need a separate card for this? And does it apply to certain currencies only?

  20. Default Gravatar
    Laraine | January 8, 2014

    I have a Coles no annual fee card. Can I change it to a Coles rewards card?

    • Staff
      Jacob | January 8, 2014

      Hi, Laraine.

      It is possible to swap cards. You may even be able to perform a credit swap too. You’ll have to give the Coles customer service team a call to arrange this though. Thanks for your question.

  21. Default Gravatar
    TONY | December 23, 2013

    Can I get discount if I buy petrol with credit card and which credit card is better for a courier driver

  22. Default Gravatar
    TONY | December 20, 2013

    i am driver ,i spend 250 dollar per week ,can i get reward for the credit card,and how it works.

    • Staff
      Shirley | December 23, 2013

      Hi Tony,

      Thanks for your comment.

      Please check the ‘application requirements’ tab on this page to see if you meet the eligibility requirements. You can earn reward points on this credit card too, please check above for the specific details as well as how it works.


  23. Default Gravatar
    Marelle | December 7, 2013

    I have a platinum Coles / Myer Card at present and want to find out if I can get cash advances on this card.

    • Staff
      Jacob | December 9, 2013

      Hi Marelle.

      This card does currently offer a cash advance facility. You can find the cash advance rate of interest listed in the product table at the top of the card’s review. You will incur a cash advance fee when you withdraw money from an ATM using your credit card and available credit limit.

      Thanks for your question.

  24. Default Gravatar
    Peter | November 22, 2013

    When using my card to do a cash advance at an ATM which account type do I choose?

    • Staff
      Jacob | November 23, 2013

      Hi Peter.

      Press ‘credit’ when you go to withdraw cash from an ATM using your credit card.

      Thanks for your question.

  25. Default Gravatar
    Frank | November 22, 2013

    I want to spend $700. Do I have 55 days interest free, or is it 62 days?

    • Staff
      Jacob | November 22, 2013

      Hi, Frank.

      Thanks for your question.

      The interest free days offered with this card are listed in the product table at the top of the review.


  26. Default Gravatar
    marie | November 13, 2013

    Hello is the interest calculated daily, monthly or what please on the Coles MasterCard?

    • Staff
      Jacob | November 14, 2013

      Hi Marie.

      Thanks for your question.

      According to the Coles MasterCard Loyalty terms and conditions document, ‘we charge interest on the purchase and charges balance on a daily basis by applying the relevant current daily percentage rates for purchases (which is the relevant current purchases annual percentage rate divided by 365) to the relevant part of the purchase and charges balance at the end of each day.’ The interest calculation for purchases is the same for cash advances. This interest calculation is calculated daily but charged monthly as shown on your credit card statement.

      I hope this helps.

  27. Default Gravatar
    mandy | November 12, 2013

    Hi. I just applied for a Coles MasterCard and was wondering if I can use this card at any place? I have back problems and need to pay for scans etc.

    • Staff
      Jacob | November 13, 2013

      Hi Mandy.

      Thanks for your question.

      This card can be used everywhere MasterCard is accepted. MasterCard cards are accepted by nearly all Australian merchants.


  28. Default Gravatar
    Bonar | October 27, 2013

    Hi there, I applied the for Coles MasterCard for 30c fuel discount, the first couples of time I shopped at coles, I received 38c fuel discount, today I went shopping again only received 30c fuel discount, what happen with the shop 8c discount?

    • Staff
      Jacob | October 28, 2013

      Hi Bonar.

      Thanks for your question.

      If you have an enquiry about the Coles fuel discount. Please contact the provider directly. You can contact them on: 1300 306 397.



  29. Default Gravatar
    Asela | October 25, 2013


    I’m on a 475 visa and have been in Australia only for 7 months now. Can I apply for this credit card? If so, what do I do for the address as it asks me for the previous residential address when I enter 7 months for the current address?


  30. Default Gravatar
    Mart | October 24, 2013

    Which bank can I get cash out over the counter?

    • Staff
      Jacob | October 24, 2013

      Hi Mart.

      Thanks for your question.

      You can use your card to get cash out at any bank or ATM. Cash advance charges will apply, you can find these fees listed on the review page.

    • Default Gravatar
      Vikki | January 7, 2014

      Is there a limit on how much cash I can withdraw from an ATM

    • Staff
      Jacob | January 7, 2014

      Hi, Vikki.

      Thanks for your question.

      Point 3.5, page 5. of the Coles Contract Documents and Credit Guide outlines, ‘Cardholders may obtain cash advances of up to and
      including $3,000 per day in aggregate in over the counter transactions with financial institutions and of up to and including $1,000 in aggregate per day in relation to cash withdrawn from ATMs. Suppliers and other institutions may add additional restrictions.’

      I hope this helps.

  31. Default Gravatar
    Karen | October 22, 2013

    Can you please point me in the direction clause / Act of the Federal Legislation that the ID verification refers to, in which I have been asked to complete on more that one occasion, and where is this information stored, I called the 1300306397 and got an operator in India who was unable to assist and when transfered at my request to an operator in Australia, I am still without an Answer. Also how often are the Id verification forms to be completed by secondary card holders.

    • Staff
      Jacob | October 22, 2013

      Hi Karen.

      I’m not aware of the specific legislation that makes it a requirement that you verify your identity, however, if you’re unable to verify your identity online, you will need to provide information about yourself before a lender will extend credit. You will only need to verify your identity once when you apply for credit. This is usually done online through the use of the online i.d. check but for people who can’t provide a passport or driver’s licence during the online application, you will need to do this in person. I have sent a Coles Credit Card identity verification form to your email.

      Thanks for your question.

  32. Default Gravatar
    michael | October 12, 2013

    I just applied for your credit card, which was accepted, I just want to verify that it was the no annual fee offer.

    • Staff
      Jacob | October 14, 2013

      Hi Michael.

      You should have received an email confirming the terms of the offer. Alternatively, you can call the lender directly and quote your application reference number. You can find contact numbers on this page.

      Thanks for your question.

  33. Default Gravatar
    Margaret | October 12, 2013

    I will be travelling to Vietnam soon. Can I use my Coles MasterCard while over there?

    • Staff
      Jacob | October 12, 2013

      Hi Margaret.

      Thanks for your question. Your card is accepted in Vietnam at merchants and ATMs that take MasterCard cards. You can read more about taking money to Vietnam on this page.

  34. Default Gravatar
    Paul | October 10, 2013

    Like Kevin, I too applied for the mastercard for the 30c fuel discount between October and December 2013. I too can no longer find information on this. Is this a scam by Coles to get you to have the credit card. Jacob unless you find this offer I’m cancelling this card because that’s all it was, a scam. Beware everyone before you apply.

    • Staff
      Jacob | October 11, 2013

      Hi Paul.

      The only information on this I can find is on the Coles website, there’s a page that deal specifically with ‘Coles Express Fuel Discount Terms & Conditions’that states: “Simply spend a qualifying amount in one transaction at a participating Coles Group store (as advertised from time to time) including Coles (excluding Coles Express), Coles Central, BILO, or online with and you will receive an offer for discounted fuel (“Fuel Discount Offer”).”

      Is this the offer you saw advertised?


  35. Default Gravatar
    Phillip | September 29, 2013

    Hi, I am considering a Coles Master Card and I am asking about the frequent flyer points, can these accumulate and be transferred to Qantas or are they automatically transferred once a number is reached.
    These will go to a nominated Qantas membership number once established or are they manually transferred by the owner. Thanks for your help.

    • Staff
      Jacob | September 30, 2013

      Hi Phillip.

      Thanks for your question.

      This card will reward you with flybuys points when you use the card to make an eligible purchase. flybuys points can not be transferred to any other frequent flyer program. flybuys points are redeemed in 2,000 lots for cash off your grocery bill when you shop at Coles and and Coles Express.

      I hope this helps.

  36. Default Gravatar
    John | September 23, 2013

    It is not clear whether the redemption of 2000 points, once reached, it automatic. Can I wait till more points are accrued, say 10,000, before I can claim the discount?

    • Staff
      Jacob | September 24, 2013

      Hi John.

      Points will accumulate and the discount will be applied on the total number of points you have on your card when you go shopping.

      Thanks for your question.

  37. Default Gravatar
    Kevin | September 14, 2013

    Hi, I decided to apply for a Coles Mastercard because I saw an advertisement that I would get a 30c fuel voucher each month that I spent $100 in one transaction at Coles.

    Now that my application is approved I see no mention of this in the documentation that came with my card.

    • Staff
      Jacob | September 16, 2013

      Hi Kevin.

      I can’t find any solid information on this offer. I don’t believe it’s directly related to their credit card. Any information you can provide to us would be most appreciated.


  38. Default Gravatar
    toni | September 9, 2013

    Hi, how do I get a cash advance using my card? which bank or ATM gives me this facility?

  39. Default Gravatar
    Lucy | August 28, 2013

    Can I use this card to pay bills, like gas, water and council fee etc…? Does these transitions earn points? Thanks!

    • Staff
      Jacob | August 29, 2013

      Hi Lucy.

      Thanks for your question.

      Yes, you can use this card to pay your utility bills and you’ll earn flybuys points. ‘ You will earn points on all eligible transactions. According to the terms and conditions, ‘Eligible transactions exclude cash advances, credit fees or charges, credits, refunds, reimbursements, business purchases or balance transfers into your account.’

      I hope this helps.

  40. Default Gravatar
    Joanne | August 27, 2013

    Phoned yesterday requesting card statement was told it would have been sent to the email address and would have been in the inbox yesterday. Hasn’t arrived yet can you please forward the statement?

    • Staff
      Jacob | August 27, 2013

      Hi Joanne.

      Thanks for sending us a question; however, we can’t help with this as we are a comparison site and we do not have access to this type of information.


  41. Default Gravatar
    Nookee | August 15, 2013

    I got a letter saying I was approved. Had to supply I’d. What kind of limit do they offer?

    • Staff
      Jacob | August 15, 2013

      Hi Nookee.

      You would have either selected a credit limit, or you would have elected to get the maximum limit, which the lender will provide based on the financial information you provided during the application.

      Thanks for your question.

  42. Default Gravatar
    john | August 7, 2013

    Progress of application?

    • Staff
      Matt | August 8, 2013

      Hi John,

      As we are a comparison service we can’t check on your progress.

      Please submit an enquiry directly with Coles in relation to your credit card application.


  43. Default Gravatar
    desmond | August 4, 2013

    I applied for a coles mastercard yesterday and got a provisional acceptance but I did not apply correctly.
    I have applied again today so how do I cancel the first application thanks

    • Staff
      Shirley | August 5, 2013

      Hi Desmond,

      Thanks for your comment.

      Please contact Coles directly to request that they cancel your first application.


  44. Default Gravatar
    Ian | June 25, 2013

    How does my wife apply for additional card for me.

    • Staff
      Jacob | June 25, 2013

      Hi Ian. Thanks for your question. You can request an additional cardholder when you first apply for the card, or you can apply for an additional cardholder by downloading an additional cardholder request form from the lender’s website. You can fill this in and then fax it off to the lender. You will need to apply for this card, it will have an unique number and your own name on the front. Let me know if you have any troubles. Jacob.

  45. Default Gravatar
    Irek | May 23, 2013

    Can my wife and I get a joint account? Can we get a second card?

    • Staff
      Jacob | May 23, 2013

      Hi Irek. Thanks for your question. Please check this page for information about card providers that allow joint primary cardholders. Jacob.

  46. Default Gravatar
    Reynaldo | May 18, 2013

    Hi there! I want to apply online on coles mastercard but unfortunately i don’t have a home phone. And my co. phone is 1 300 and it didn’t accepted. What shall i do? Where can i apply personally?

    • Staff
      Jacob | May 20, 2013

      Hi Raynaldo. Thanks for your question. You can apply for this card at any Coles store. Jacob.

  47. Default Gravatar
    La | May 9, 2013

    I see that the credit limit is $5000. I really don’t want a limit that high can I change it?

    • Staff
      Jacob | May 9, 2013

      Hi La. This is the minimum credit limit, so you can’t have a limit lower than this. Compare these cards, low interest rate cards have lower minimum credit limits. Jacob.

  48. Default Gravatar
    yvonne | May 9, 2013

    I used to have a Coles card but got into trouble with it. I have continued to pay it whenever I have spare money, but I have changed address several times and have not had a statement to see how much I owe can I get one sent by email, if so how do I organize it. Thank you.

    • Staff
      Jacob | May 9, 2013

      Hi Yvonne. Better late than never aye. Please contact Coles over the phone, or you can manage your account online through their website – you can view your account online, or at the very least you can have a statement sent out via mail. If all else fails, go to an ATM and check your balance. Jacob.

  49. Default Gravatar
    Brigitte | May 4, 2013

    I am unable to sent documents via email as I was told to do this morning.

    • Staff
      Jacob | May 4, 2013

      Hi Bridgette. Thanks for your question. Can you please contact Coles directly with this query. You can find their contact number here. Jacob.

  50. Default Gravatar
    Glenys | April 22, 2013

    Can I pay this card off at any Coles store?

    • Staff
      Jacob | April 22, 2013

      Hi Glenys. Thanks for your question. The terms and conditions state, ‘Pay over the counter at Kmart and Target stores. Simply bring your Coles MasterCard statement along with your payment to the register.’ You can also pay your account a number of other ways. I’ve sent information to your email. Jacob.

  51. Default Gravatar
    Denise | February 24, 2013

    On the back of the March edition of the Coles food magazine, it states 3 flybuys points are received per $1 spent however the information online states 1:1
    Can you advise how many points are received for each dollar spent at coles and how many points are received for purchases made elsewhere.

    • Staff
      Marc | February 25, 2013

      Hi Denise,
      thank your for the question.

      There are two options with this card – a free loyalty program and a paid loyalty program, which comes with an annual fee of $49. On the free loyalty program the Coles MasterCard will earn 3 points for every dollar spent at any flybuys participant stores such as Coles, Target, Liquorland and more. This is made up of the following.

      When paying for something at the checkout, 2 points will be earned for every dollar spent using the Coles MasterCard. When it asks to present any flybuys cards, scan the flybuys barcode on the back of the MasterCard and this will earn an extra point per dollar, bringing this to 3 points for every dollar spent.

      For the paid loyalty program the above will apply, but cardholders will also earn 2 points for every dollar spent on any eligible transaction even if it’s not at a participating Coles store. If the store is not a flybuys participant this means the extra point per dollar will not be earned.

      I hope this helps,

  52. Default Gravatar
    Susan | July 31, 2012

    I had applied and was granted a Coles credit card for 2,000.
    unfortunately I realised I had included my husbands pension in my statement of how much I earned .. Can I re apply ?
    Regards Susie

    • Staff
      Jacob | March 19, 2013

      Hi Susan. Please contact the lender directly to resolve this issue. Thanks for your question.

  53. Default Gravatar
    robert | July 25, 2012

    why when you are on a disability pension and has a good credit rating with the copy of his credit report and over the min wage of $15,000 pa, which is one of the main requirements to have and after all my living expenses including my rent with bal of approx $500 per mth left it gets declined. please Please please explain ? Awaiting for your reply. Kind Regards, Rob.

    • Staff
      Jacob | July 26, 2012

      Hi Robert. Thanks for your question. For information about this question can you please refer to our article on the topic. Cheers.

  54. Default Gravatar
    bob | June 6, 2012

    what is the balance transfer rate

    • Staff
      Jeremy | June 18, 2012


      Thanks for the question. This card does not offer a balance transfer feature. Cheers.


  55. Default Gravatar
    Karen | May 21, 2012

    What steps do I need to take to close my Coles MasterCard account.
    Your assistance with this request is appreciated.

    Thank you

  56. Default Gravatar
    Kerri | April 22, 2012

    i am trying to apply for the coles mastercard. Have the correct page up ut when you get down to the bottom of the page where the apply now button is it has Woolworths credit card and when you click on the apply now button is the application form for the woolworths one. how do I go about for the coles mastercard as this is the one that I want to do it for ot Woolworths.

    • Staff
      Jacob | April 8, 2013

      Hi Kerri. Thanks for your question and sorry about the delay in this response. Not sure if this answer is still relevant to you directly; however, for anyone else, this must have been a temporary glitch – I’ve tested the application and everything is fine. Jacob.

  57. Default Gravatar
    Kerry | March 4, 2012

    Before I apply can the card used other than coles stores?

    • Staff
      Jeremy | March 9, 2012


      The Coles MasterCard can be used everywhere MasterCard is accepted; however, you will only be rewarded with discounts on the purchases you make at Coles Group Stores including: Coles Supermarkets, Liquor Land, K-Mart and Bi-Low. Cheers.


  58. Default Gravatar
    Marika | March 4, 2012

    was my request for a coles credit card approved?

  59. Default Gravatar
    Geoff | February 24, 2012

    I have not been receiving statements for the last 3 months for my Mastercard account :0005446470459132607. I don’t keep old statements and I really need make payments

    • Staff
      Jeremy | March 2, 2012

      Hi Geoff,

      Please contact your financial institution. Thanks.


  60. Default Gravatar
    David | November 23, 2011

    the card holder is deceased, what are the legal requirements of the account.

    • Staff
      Jacob | April 10, 2013

      Hi David. Thanks for your question and sorry about the delay in getting back to you. Please refer to this article on what happens to a credit card after a death. Jacob.

  61. Default Gravatar
    Law | November 10, 2011

    I do I reopen my account?

  62. Default Gravatar
    Elizabeth | September 22, 2011

    How do you receive petrol discount vouchers if you have signed up for an on-line bill?

    • Staff
      Jacob | April 10, 2013

      Hi Elizabeth. Thanks for your question. This shouldn’t make a difference as the discount offer is attached to your receipt when you make a purchase and scan you card. According to the terms and conditions, ‘Spend $30 or more in one transaction at Coles Supermarkets within 180 days of redeeming this reward and scan your flybuys barcode. Your receipt will include a voucher combining the base Coles Fuel Offer and the +4c/L Fuel Reward#. That’s at least 8c/L in fuel savings! ‘ Apologies about the delay. Jacob.

  63. Default Gravatar
    Peter | September 7, 2011

    I want to keep a log of my food and fuel bills. Can I apply for a Coles CC with a minimum limit of say $500 to start with?

    • Staff
      Jacob | March 28, 2013

      Hi Peter. Sorry for the delayed response. Yes, you can apply for this card and adjust the credit limit once you’re accepted — minimum is $500. Thanks.

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Credit Cards Comparison

Rates last updated December 23rd, 2014
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Westpac Low Rate Card
Westpac Low Rate Card
A low interest rate credit card with a low annual fee and balance transfer offer. 13.49% p.a. 0% p.a. for 16 months $59 p.a. 21.49% p.a. Go to site More info
ANZ Low Rate
ANZ Low Rate
A low rate on purchases, balance transfer and a low annual fee. 13.49% p.a. 0% p.a. for 16 months $58 p.a. 21.74% p.a. Go to site More info
Citi Simplicity Card
Citi Simplicity Card
$0 annual fee credit card with a long term balance transfer offer. 19.99% p.a. 0% p.a. for 12 months $0 p.a. 19.99% p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
NAB Low Rate Credit Card
NAB Low Rate Credit Card
Low ongoing interest rate on everyday purchases. 0% p.a. for 15 months (reverts to 13.99% p.a.) 4.99% p.a. for 6 months $59 p.a. 21.74% 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
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
Introductory balance transfer offer and 2 international Qantas Club lounge passes every year. 19.99% p.a. 0% p.a. for 6 months $199 p.a. 21.99% 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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