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Coles Rewards Mastercard

Coles Rewards Mastercard

Product Image

Purchase Rate
19.99 %

Cash Advance Rate 19.99% p.a.
Interest Free Up to 55 days
Annual Fee$99
Balance Transfer Rate 0% p.a.for first 6 months

  • Coles Mastercard and flybuys card in one so you only have to carry one card instead of two.
  • 0% p.a. for 6 months on balance transfer at card application, reverts to cash advance rate.
  • Collect 2 points per $1 on eligible spend - that's on top of the usual flybuys points from other partners.1
  • No international transaction fee on purchases – when you’re shopping online or when you’re overseas.4
  • Superior Security and fraud protection - the 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 2 points per $1 on eligible spend - that's on top of the usual flybuys points from other partners.
  • Points do not expire as long as there has been activity on flybuys account in the last 12 months.
Rewards Points per Dollar 2 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 flybuys
Rewards Bonus Points Partners
Domestic Airlines
International Airlines

Annual Fee $99 Minimum Repayment Greater of 2% or $30
Annual Fee First Year $99 Interest Charged From Purchase Date
Rewards Joining Fee $0 Late Payment Fee $10
Supplementary Card Fee $10    
Duplicate Statement Fee $0 Overseas ATM Balance Fee $0
Transaction Verification Fee $0 Overseas ATM Withdrawal Fee $5
Over Limit Fee $0 Overseas Emergency Card Replacement Fee $0

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. The number of flybuys Points awarded is calculated by reference to the Australian dollar amount of the transaction. flybuys Points will be allocated by flybuys in accordance with the flybuys terms and conditions. An eligible spend is an Eligible Transaction as defined in the Coles Mastercard Rewards Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges, transactions made using flybuys Points and government related transactions. Whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution. Standard flybuys Terms and Conditions apply. Note that partners’ earn rates vary. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Coles unsecured credit products are issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL and Australian credit licence 238098 (Citigroup) and distributed by Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708 (Coles). Coles may receive commission for the introduction of credit business to Citigroup.

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* 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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