Coles
Coles

Coles Low Rate Mastercard

Purchase Rate
12.99% p.a.
Cash Advance Rate
19.99% p.a.
Compare Now
Interest Free
Up to 55 days
Annual Fee
$58.00
Balance Transfer Rate
0% p.a. for first 15 months
  • Coles Mastercard and flybuys card in one. Maximise your points when you scan your flybuys barcode before you pay.
  • 0% p.a on Balance Transfers for 15 months (reverts to Cash Advance rate)* when you apply by 30 June 2021. No interest free days apply to Retail Purchases while you have a Balance Transfer.
  • Collect 1 flybuys point per $2 you spend at Coles Supermarkets.
  • Superior Security and fraud protection - the fraud management system and Mastercard’s zero liability guarantee give you peace of mind.

Key Features
Rewards Program
Rewards
Joining Fee
$0.00
Annual Fee
$58.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program
  • Collect 1 points per $2 you spend at Coles Supermarkets.
  • Points do not expire as long as there has been activity on flybuys account in the last 12 months.

Fee & Repayments

Annual Fee $58.00
Annual Fee First Year $58.00
Rewards Joining Fee $0.00
Supplementary Card Fee $10.00
Minimum Repayment Greater of 2% or $30.00
Interest Charged From PurchaseDate
Late Payment Fee $30.00

Rewards Program

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
Conditions

Other Charges

Duplicate Statement Fee $0.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $5.00
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee $0.00
Terms & Conditions
* Credit criteria, fees and charges, terms and conditions apply. Individuals must be 18+. New customers only who apply for a Coles Low Rate Mastercard by 30 June 2021. Your total Balance Transfers may not exceed 80% of your Credit Limit. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 15 months. The 15 months promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within 90 days from approval to receive this offer. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the Annual Percentage Rate for Cash Advances, currently 19.99% p.a. Please note you are not entitled to any interest free days on purchases whilst you have a Balance Transfer. This means that all transactions will be charged interest at the applicable Annual Percentage Rate from the date of purchase. This offer is valid until 30 June 2021. Post this advertised date; Citi reserves the right to continue, withdraw or change the offer at any time without notice. This offer cannot be used in conjunction with any other offer and is not available when closing/transferring from another Coles Mastercard. For important information to consider before taking up a Balance Transfer, please click here for Balance Transfer information. 4 The interest free period applies to Retail Purchases, interest, fees and charges when you pay your full Closing Balance from your last statement by the Payment Due Date (excluding any Fixed Payment Option balance which isn’t due for payment by that Payment Due Date). No interest free period is available on Cash Advances or Balance Transfers. Please note you are not entitled to the interest free period whilst you have a Balance Transfer. 5 Concierge is a complimentary service available to the Primary Cardholder of a Coles Platinum Mastercard. Refer to the Coles Mastercard Rewards Terms and Conditions. Concierge Services provided by Aspire Lifestyles (Americas), Inc. 6Complimentary insurance covers are provided to your Account by AWP Australia Pty Ltd ABN 52 097 227 AFSL 243631 trading as Allianz Global Assistance (“Allianz Global Assistance”) under a binder from the insurer, Allianz Australia Insurance Limited 15 000 122 850 AFSL 234708 (“Allianz”) who has issued an insurance group policy to Citigroup Pty Limited 88 004 325 080 AFSL 238098 (“Citibank”) which allows eligible Citibank account holders and cardholders to claim under it as third party beneficiaries. Access to the benefit of cover under the Coles Mastercard Platinum Complimentary Insurance Terms and Conditions is provided to eligible Citibank cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Coles Mastercard Platinum Complimentary Insurance Terms and Conditions Information Booklet which can be found at coles.com.au/mastercard-important-information and may be amended from time to time. Citibank does not guarantee this insurance. For general enquiries call Allianz Global Assistance who issues and manages the Group Policy on behalf of Allianz.

* 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.