Coles
Coles

Coles Rewards Mastercard

Purchase Rate
19.99% p.a.
Cash Advance Rate
19.99% p.a.
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Interest Free
Up to 55 days
Annual Fee
$99.00
Balance Transfer Rate
0% p.a. for first 18 months
  • Coles Mastercard and flybuys card in one so you only have to carry one card instead of two.
  • 0% p.a. on balance transfers for 18 months. 1.5% BT fee applies. (reverts to cash advance rate). No interest free days apply to retail purchases while you have a balance transfer.
  • Collect 2 points per $1 on eligible spend - that’s on top of the usual flybuys points from other partners.
  • No international transaction fee on purchases – when you’re shopping online or when you’re overseas.
  • 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
$99.00
Insurance Cover
for Purchases
Overseas ATM
Availability
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.

Fee & Repayments

Annual Fee $99.00
Annual Fee First Year $99.00
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 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
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
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 will receive commission for the introduction of credit business to Citigroup.

* 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.