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Coles Low Rate Mastercard

Coles Low Rate Mastercard

Purchase Rate
12.99 %

Cash Advance Rate 19.99% p.a.
Interest Free Up to 62 days
Annual Fee$58
Balance Transfer Rate 0% p.a.for first 6 months

  • Coles Mastercard and flybuys card in one. Maximise your points when you scan your flybuys barcode before you pay.
  • Collect 1 fluybuys point per $2 you spend at Coles Supermarket.1
  • Superior Security and fraud protection - the Falcom fraud management system and Mastercard's zero liability guarantee give you peace of mind.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

  • Collect 1 points per $2 you spend at Coles Supermarket.
  • Points do not expire as long as there has been activity on flybuys account in the last 12 months.
Rewards Points per Dollar 0.5 Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* Frequent Flyer Ratio -
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN*

Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines

Annual Fee $58 Minimum Repayment Greater of 2.22% or $10
Annual Fee First Year $58 Interest Charged From Purchase Date
Rewards Joining Fee $0 Late Payment Fee $20
Supplementary Card Fee $0    
Duplicate Statement Fee $2 Overseas ATM Balance Fee $0
Transaction Verification Fee $0 Overseas ATM Withdrawal Fee $4
Over Limit Fee $0 Overseas Emergency Card Replacement Fee $0

Visit the issuer's website for additional information. Go to site

Terms & Conditions
1. flybuys points awarded for using a Coles Mastercard linked to your flybuys membership are in addition to flybuys points awarded by flybuys partners. Points are earned on Eligible Transactions as explained in the Coles Mastercard Loyalty Terms and Conditions found on Eligible Transactions exclude cash advances, BPAY payments, credit fees or charges, credits, refunds, reimbursements, business purchases or balance transfers into your account. Standard flybuys Terms and Conditions apply, see Note that partners’ earn rates vary. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Credit facility provided by Wesfarmers Finance Pty Ltd (ABN 58 601 282 455), Australian Credit Licence number 470916.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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