Coles Credit Cards

Coles Credit Cards

Coles offers a range of financial products, from home and car insurance to prepaid and credit cards. Coles credit cards are straightforward and no-fuss, with options for cost-conscious shoppers as well as those looking for more extras and rewards.

Looking for the lowdown on Coles credit cards? You’ve come to the right place. Time to look a little closer at what Coles has to offer.

Coles Credit Card Perks

Coles credit cards offer access to credit, money-saving features, and practical benefits, along with the ability to collect Flybuys points on eligible spend.

Collect More Points

With a Coles credit card, cardholders can collect more Flybuys points every time they shop. Points earning differs by card:

• No Annual Fee Mastercard: Earn 0.5 Flybuys points per $1 spent, up to $5,000 per statement period.
• Low Rate Mastercard: Earn 0.5 Flybuys points per $1 spent, up to $5,000 per statement period, with the added benefit of a lower purchase rate.
• Rewards Mastercard: Earn up to 2 Flybuys points per $1 on eligible purchases up to $3,000 per statement period, then 1 point per $1 up to $8,000.

Points can be redeemed instantly at checkout for money off your shop, used in the Flybuys store for merchandise and travel, or converted into Velocity Points.

Convenience

Your Flybuys card is integrated into your Coles credit card, so you’ll never miss out on collecting points at Coles or Flybuys partners like Kmart, Target, Liquorland and First Choice Liquor. You can also add up to four additional cardholders at no extra cost, so the whole household can help boost your points balance.

Security

Coles credit cards are protected by Coles Shield, which provides three layers of defence against fraud, including real-time monitoring and fraud protection guarantees. Cardholders are also covered by Mastercard Zero Liability for added peace of mind.

Management

Coles offers an easy-to-use mobile app to track your spending and manage your account on the go. The app also allows you to check your Flybuys balance and activate offers. For payments, cards are compatible with Apple Pay, Google Pay, and Samsung Pay.

Choosing Coles

Opening its first store in 1914, Coles has grown to become one of Australia’s most trusted brands. Coles credit cards are designed with everyday shoppers in mind, whether you want to save on fees and interest, or maximise the rewards you earn on your shop.

Can you collect points with Coles Mastercard everywhere you spend?

You can collect Flybuys points everywhere you use your Coles Mastercard, with additional points available at Flybuys partners such as Target, Kmart, Liquorland and webjet.com.au.

What no annual fee credit cards does Coles offer?

The Coles No Annual Fee Mastercard charges no annual fee while still allowing you to collect Flybuys points. It’s a great option for those who want access to credit without paying ongoing fees.

What low rate cards does Coles offer?

The Coles Low Rate Mastercard helps keep interest charges down with a lower purchase rate. It’s a good fit for cardholders who occasionally carry a balance, while still earning 0.5 Flybuys points per $1 spent (up to $5,000 per statement period).

What rewards cards does Coles offer?

The Coles Rewards Mastercard is designed for frequent Coles shoppers. It earns up to 2 Flybuys points per $1 on eligible purchases with tiered caps, and comes with extras like no international transaction fees on purchases made overseas or online, plus complimentary insurance on your Platinum card.