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Pros
No annual fee ever
Up to 55 interest free days on purchases if you do not have a balance transfer
Collect 1 point per $2 on eligible spend
$10 instant off your Coles Supermarket shop when you redeem 2,000 flybuys points
Cons
High purchase interest rate of 19.99% p.a.
Why pay an annual fee when you don’t have to? Coles No Annual Fee Mastercard still allows you to collect points with your shopping. You collect 1 point per $2 on eligible spend when you use this card, and of course you pay no annual fee ever.
I 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
| Interest Rates | |
| Purchase rate | 19.99% p.a. |
| Cash advance rate | 19.99% p.a. |
| Interest free on purchases | up to 55 days |
| Balance Transfer | |
| Balance transfer rate | 0% p.a. for 6 months |
| Balance transfer fee | No fee |
| Balance transfer revert rate | 19.99% p.a. |
| Balance transfer limit | 80% of your approved new credit limit |
| Balance transfer from personal loan | No |
| Banks you can't balance transfer from | Citi ,Coles |
| Credit limits | |
| Minimum credit limit | $2,000 |
| Maximum credit limit | N/A |
| Fees & repayments | |
| Annual fee | $0 p.a. |
| Additional cardholder fee | Up to 4 at no extra cost |
| Cash advance fee | Min. $1.95 or 3% of transaction, whichever greater $5 for international cash advances |
| Foreign transaction fee | 2.5% |
| Minimum repayment | 2% |
| Late payment fee | $30 |
| Credit card type | Mastercard |
| Rewards program | |
| Rewards program |  flybuys |
| Annual points cap | uncapped |
| Bonus points spend criteria | N/A |
| Earning points with this card | |
| flybuys points | 0.5 points per $1 spent |
| Overseas earn rate | same as standard earn rate |
| Points cap per month | N/A |
| Complimentary insurance | |
| Flight inconvenience insurance | No |
| Transport accident cover | No |
| Smartphone screen insurance | No |
| Purchase protection insurance | No |
| Extended warranty insurance | No |
| Rental vehicle excess cover | No |
An awesome low cost credit card for Coles shoppers, the Coles No Annual Fee Mastercard provides heaps of shopping-related perks, as well as some very attractive introductory offers – all with no annual fee, ever.
Whether you always shop at Coles, or even if you don’t visit Coles that often, the Coles No Annual Fee Mastercard is a handy everyday credit card that lets you collect points as you spend. Is it enough for you, though? Let’s take a closer look to find out.
When you take into account the fact that this card has no annual fee ever, that’s a pretty good deal indeed. As long as you pay off your balance month-to-month to avoid interest charges, you could be paying nothing for the card, while earning heaps in rewards or getting money off on your Coles shop. And the earn rate? That’s pretty simple too. You can collect 1 flybuys point per $2 on eligible spend.
But that’s not all. With another introductory offer on the table, you could benefit from 0% p.a. on balance transfers for 6 months, allowing you to pay off existing credit card debt, while saving big on interest. No interest free days apply while you have a balance transfer.
To be honest, there’s not much not to like about the Coles No Annual Fee Mastercard. While it does have a relatively high rate of interest on cash advances and purchases, these can be avoided by paying off the balance month-to-month, and saying no to the cash advance feature.
As an everyday credit card, this is a simple option that allows you to save money while earning rewards. Plus, there are some very handy features on offer. As a cardholder, you can take advantage of up to 55 days interest free on purchases, allowing you to manage your spending while saving on interest.
Just be aware that to receive those interest free days, you need to pay off the balance each month, and have paid off any balance transfers onto the card.
For Coles shoppers, this is a very convenient card to have in your wallet. For starters, you have a credit card and flybuys card in one, plus you can enjoy $10 off your Coles Supermarket shop instantly when you redeem 2,000 flybuys points.
An excellent everyday rewards card for Coles shoppers, providing shopping-related perks and some great introductory offers with no annual fee.
An awesome low cost credit card for Coles shoppers, the Coles No Annual Fee Mastercard provides heaps of shopping-related perks, as well as some very attractive introductory offers – all with no annual fee, ever.
Whether you always shop at Coles, or even if you don’t visit Coles that often, the Coles No Annual Fee Mastercard is a handy everyday credit card that lets you collect points as you spend. Is it enough for you, though? Let’s take a closer look to find out.
When you take into account the fact that this card has no annual fee ever, that’s a pretty good deal indeed. As long as you pay off your balance month-to-month to avoid interest charges, you could be paying nothing for the card, while earning heaps in rewards or getting money off on your Coles shop. And the earn rate? That’s pretty simple too. You can collect 1 flybuys point per $2 on eligible spend.
But that’s not all. With another introductory offer on the table, you could benefit from 0% p.a. on balance transfers for 6 months, allowing you to pay off existing credit card debt, while saving big on interest. No interest free days apply while you have a balance transfer.
To be honest, there’s not much not to like about the Coles No Annual Fee Mastercard. While it does have a relatively high rate of interest on cash advances and purchases, these can be avoided by paying off the balance month-to-month, and saying no to the cash advance feature.
As an everyday credit card, this is a simple option that allows you to save money while earning rewards. Plus, there are some very handy features on offer. As a cardholder, you can take advantage of up to 55 days interest free on purchases, allowing you to manage your spending while saving on interest.
Just be aware that to receive those interest free days, you need to pay off the balance each month, and have paid off any balance transfers onto the card.
For Coles shoppers, this is a very convenient card to have in your wallet. For starters, you have a credit card and flybuys card in one, plus you can enjoy $10 off your Coles Supermarket shop instantly when you redeem 2,000 flybuys points.
An excellent everyday rewards card for Coles shoppers, providing shopping-related perks and some great introductory offers with no annual fee.
Coles No Annual Fee MastercardI 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 cardPurchase rate 19.99% p.a.
Cash advance rate 19.99% p.a.
Interest free on purchases up to 55 days
Balance transfer rate 0% p.a. for 6 months
Balance transfer revert rate 19.99% p.a.
Balance transfer from personal loan No
Balance transfer fee No fee.
Balance transfer limit 80% of approved credit limit
Banks you can't balance transfer from Citi, Coles
Minimum credit limt $2,000
Maximum credit limit N/A
Annual fee $0 p.a.
Additional card holder fee Up to 4 at no extra cost
Foreign transaction fee 2.5%
Minimum repayment 2%
Cash advance fee Min. $1.95 or 3% of transaction, whichever greater $5 for international cash advances
Late payment fee $30
Rewards Program flybuys
Bonus points N/A
Annual points cap uncapped
Bonus points spend criteria N/A
flybuys points 0.5 points
per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
Overseas travel insurance No
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No
Why pay an annual fee when you don’t have to? Coles No Annual Fee Mastercard still allows you to collect points with your shopping. You collect 1 point per $2 on eligible spend when you use this card, and of course you pay no annual fee ever.
Be over 18 years old
Good Credit and have not applied for multiple credit cards recently
Australian permanent resident
Minimum income of $25,000 p.a.
You have your personal details ready to complete the online application
Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
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Apply by 31 Aug 19
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