No annual fee: $0 annual fee for life
Balance transfer offer: 0% p.a. on Balance Transfers for 12 months (5% BT fee), then 20.74% p.a.
Everyday value: Up to 44 days interest free; up to 4 free additional cardholders
Extras: Coles Shield fraud protection, Tap & Pay (Apple Pay, Samsung Pay, Google Pay), Instalment Plans, and access to complimentary insurance on Platinum cards
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Coles Credit Cards
Coles No Annual Fee Mastercard
Updated 10 September 2025
Pay $0 annual fee for life, enjoy up to 44 days interest free on purchases, and add up to 4 additional cardholders at no extra cost.
0% p.a. on Balance Transfers for 12 months (a 5% Balance Transfer fee applies). After the promotional period, Balance Transfers revert to the Cash Advance rate of 20.74% p.a.
T&Cs apply. Eligibility criteria and lending criteria apply.
Purchase Rate (p.a)
20.74%
Balance Transfer (p.a)
0% for 12 months
5% balance transfer fee applies.
Reverts to 20.74% p.a.
Annual Fee (p.a)
$0
Pros and cons
- Purchase & Cash Advance rate of 20.74% p.a. (plus standard domestic/international cash advance and international transaction fees apply).
Creditcard.com.au review
Editor Review
Coles No Annual Fee Mastercard
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Coles No Annual Fee Mastercard
If you want a card that keeps costs down, the Coles No Annual Fee Mastercard does exactly that. You’ll never pay an annual fee, and you still get practical features like Tap & Pay, Coles Shield fraud protection, instalment options and up to 44 days interest free on purchases.
What we love…
- $0 annual fee — forever: simple and predictable ongoing cost.
- 0% p.a. on Balance Transfers for 12 months: a 5% Balance Transfer fee applies; after 12 months the rate reverts to the Cash Advance rate of 20.74% p.a.
- Everyday convenience: Apple Pay, Samsung Pay and Google Pay, plus Coles Shield for three layers of defence against credit card fraud.
- Flexible repayments: Coles Instalment Plans can help smooth out bigger purchases.
Things to keep in mind
- Interest costs: Purchases and Cash Advances are charged at 20.74% p.a. if you carry a balance. To get the most from the card, pay your statement in full to keep the up to 44 days interest free.
- Fees on advances: Domestic and international cash advance fees and a 3% international transaction fee apply.
Who this card suits
Great for fee-averse cardholders who want straightforward value and a time-limited balance transfer tool. If you’re focused on keeping costs low and like the idea of a simple card with modern payment features and fraud protection, this is a strong fit.
Overall rating
A no-fuss, low-cost card with a genuine $0 annual fee for life. The 12-month 0% p.a. balance transfer (5% fee) adds short-term flexibility, while everyday features like Tap & Pay, Coles Shield and Instalment Plans round it out.
User reviews
Rates and fees
Interest rates
Purchase rate 20.74% p.a.
Cash advance rate 20.74% p.a.
Interest free period on purchases up to 44 days
Balance transfer
Balance transfer rate 0% p.a. for 12 months
Balance transfer revert rate 20.74% p.a.
Balance transfer from personal loan Yes
Balance transfer fee 5% one off
Balance transfer limit 80% of approved credit limit
Brands you can't balance transfer from Coles
Credit limits
Minimum credit limit $1,000
Maximum credit limit $100,000
Fees & repayments
Annual fee $0 p.a.
Additional cardholder fee Up to 4 at no extra cost
Foreign transaction fee 3%
Minimum repayment 2% or $30, whichever is greater
Cash advance fee $1.95 (under $65.00) or 3% (equal to or over $65.00); $5 (international)
Late payment fee $30
Rewards and points
Rewards program
Rewards Program
Flybuys
Bonus points N/A points
Annual points cap uncapped
Bonus points spend criteria N/A
Earning points with this card
Flybuys Rewards points 0.5 points per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance No
Overview
Coles No Annual Fee Mastercard
You’ll never pay an annual fee, ever. Plus, 0% p.a. on Balance Transfers for 12 months (5% Balance Transfer fee applies). Reverts to Cash Advance rate 20.74% p.a. Apply by 5 November 2025.
Key features
- No annual fee — ever
- 0% p.a. on Balance Transfers for 12 months (5% Balance Transfer fee). Reverts to 20.74% p.a.
- Protected by Coles Shield (3 layers of defence against fraud)
- Up to 44 days interest free on purchases
- Up to 4 additional cardholders at no extra cost
- Tap & Pay with Apple Pay, Samsung Pay and Google Pay
- Complimentary insurance on your Platinum Coles card
- Coles Instalment Plans available
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Australian permanent resident
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question372 questions (showing the latest 10 Q&As)
i just get approve for coles no fee creditcard. i just realise it is under my name only. can i get an additional card for my partner on the same account
Hi Tan, congratulations on your new card! With Coles credit cards, you can usually request an additional cardholder so your partner can make purchases linked to your account. They’ll get their own card, but you stay responsible for the account and repayments. Feel free to reach out to Coles directly for the secondary cardholder application.
When will the technical problem will be fixed?
Hi Iqbal, thanks for pointing that out. Coles has flagged a technical issue that’s affecting some customers trying to log in to the Coles Credit Cards App and Online Service Centre. Their team is working on a fix and will post updates directly on the Coles Credit Cards page. Unfortunately, we only know as much information as they're giving the rest of Australia
Will you send me link to join
Hi Joseph, thanks for your message. Coles has announced a temporary pause on new credit card applications between 10 August and 8 September 2025. If you’re looking to apply, you’ll need to head over to Coles Financial Services from 9 September. In the meantime, you caould bookmark our Coles No Annual Fee Credit Card Review and come back once they're accepting applications again.
Does this card work England ,Eroupe, Asia.
Hi Rex, yes, the Coles No Annual Fee Mastercard is accepted worldwide wherever Mastercard is honoured, including in the UK, Europe, and Asia. However, it does attract a 2.5% foreign transaction fee. If you’d prefer to avoid that cost, please feel free to explore some of the other textno foreign transaction fee credit cards for alternatives.
Is there an android app for this credit card to see recent transactions or balances?
Hi Richard, yes Coles Credit Cards have an app. It’s called the Coles mobile wallet and you’ll be able to see your purchases and your balance in real time. It also shows you your flybuys balance too.
Does the Coles Mastercard work like other cards _ i.e. can I use it to BP my utilities, insurance, etc?
Hi Judy, this Coles Credit Card works like any other credit card as it will be accepted wherever Mastercard is. Just be careful with paying certain bills as you might get stung with the cash advance rate of interest.
Is the interest rate charged on all purchases or just on the amount unpaid/oustadning after the due payment date?
Hi Wanda, Yes, the purchase rate applies when you don't pay the full balance by the due date. If you pay in full, you won’t be charged interest. Thanks!
What is the purchase interest rate
Hi Mardi, the purchase rate at the time of reply is 20.74% p.a. Thanks
Years ago I had a coles mastercard. i have tried to apply for card in recent times but it has been refused.
I pay off my credit card weekly. i am wanting to have a credit card with no annual fees as my ANZ FEE aretoo high.
Hi Evelyn, sorry to hear about your situation. It’s generally not a good idea to apply for multiple credit cards in a short period of time and that’s why we wrote a piece about what to do when your credit card application is declined. There’s tips in there on how to assess your situation and what you can do to try to improve your chances of maybe being approved next time. Hopefully this guide will help you out.
Last month I paid on 3rd but now I have an email saying next months payment is DUE on the 3rd...
WHY ??? is the payment date being bought forward more and more ???
Hi Gary, this is a tricky one as it depends on your statement periods which will be set out on your statement. If you need to chat to customer service about your account, they're available 24/7 on 1300 306 397. Hope this helps!
what are the payment methods of repayments
Hi Ama, Coles have three options available for you to pay your account. You can do it via direct debit, at Australia Post of via BPAY
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sorry another question I use a CC for everything and its paid off each month and no not get charged any fees. I have read if a transaction is over $65 I will get charged 3% is that right. I take that as all bills paid that are more than $65 I will get charged for using the card! is this correct. look forward to your reply
thanks
Heather
Hi Heather, happy to clear this up for you. The 3% transaction fee for amounts or $65 an over is only for cash advances. So any transaction that is classified as a cash advance equalling or over $65 will incur this fee. If it’s under $65 the fee will be $1.95 per transaction. Hope that has helped you Heather.
Brice
13 March 2024No annual fee so I didn’t expect anything but it’s good one. I’ve been using it for 2 years and got 4 times of $10 off offer with Flybuys in Coles. It fits my ordinary life.
Recommends this cardMar11Bee
3 August 2022My only gripe is the complication of unblocking my account when I accidentally keyed in the incorrect app pin and password. Only way to fix this is to phone them. Phone workflow could be better.
Recommends this cardPAUL LOWRY
21 June 2022Have had for some time and very happy. To get the most value, you must pay off in full every month. No annual fee and we regularly get a $10 shopping voucher taken off next Coles shop.
Recommends this cardCreditcard.com.au Visitor
13 March 2017I have used my new credit card many times but keep getting conflicting information about the $100 offer Today I was told that I had to spend over $100 to receive it. Other times I was told to spend any amount activates the $100 offer. Not happy.
Recommends this card