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Coles Rewards Mastercard

3 reviews

Purchase rate

19.99% p.a.

Balance transfer

0% 6 months
0% Complete (success)
reverts to 19.99% p.a. No BT fee

Annual fee

$99 p.a.
99% Complete (success)

Pros

Earn 2 flybuys points for every $1 spent on eligible transactions

No international transaction fee on purchases when you shop online or overseas

0% balance transfer for 6 months

Up to 55 days interest free on purchases

$10 instant off your Coles Supermarket shop when you redeem 2,000 flybuys points

$99 annual fee

Cons

Purchase and cash advance rate of 19.99% p.a.

Coles Rewards Mastercard

A Coles Rewards Mastercard is a fast way to collect flybuys points. No international transaction fee on purchases when you shop online or overseas.

Key features

  • 0% balance transfer for 6 months. Reverts to cash advance rate
  • No international transaction fee on purchases when you shop online or overseas
  • $10 instant off your Coles Supermarket shop when you redeem 2,000 flybuys points
  • Earn 2 flybuys points for every $1 spent on eligible transactions
  • Up to 55 days interest free on purchases when you pay your full balance off each month
  • $99 annual fee
  • Interest rate of 19.99% p.a. on purchases and cash advances
  • Rates
    79%
  • Fees
    91%
  • Rewards
    88%
  • Customer Service
    94%
  • Value
    88%
100% of customers who have rated this card would recommend it
Overall customer rating 88%
3 reviews
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 $6,000
Maximum credit limit $60,000
Fees & repayments
Annual fee $99 p.a.
Additional cardholder fee Up to 4 - $10 p.a.
Cash advance fee 3%
Foreign transaction fee 0%
Minimum repayment 2%
Late payment fee $10
Credit card type Mastercard
Rewards program
Rewards program flybuys flybuys
Annual points cap uncapped
Bonus points spend criteria N/A
Earning points with this card
flybuys points 2 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
Extras
No international transaction fees on purchases when you shop online or overseas

The Coles Rewards Credit Card

Providing you with a fantastic way to earn points as you shop, the Coles Rewards Mastercard could be the perfect card for you if you happen to be a big spender in Coles. As an award-winning credit card, it certainly has a lot to offer, including great introductory offers, great extras and an excellent earn rate on a diverse rewards program.

But is this the card that will make the most of your spending? Let’s look closer at this lovely little rewards card to find out what it’s all about.

What we love...

This is an everyday rewards card that’s designed to last the distance. In terms of its earn rate, it allows you to earn 2 points per $1 on eligible spend, and 3 points per $1 spent with Coles’ flybuys partners, including Kmart, Target, Liquorland and First Choice Liquor.

You can choose to redeem your flybuys points at the flybuys online rewards store, use them on flybuys Travel flights, hotels and packages, or convert them into Velocity Points or Etihad Guest Miles. Alternatively, you could opt for Instant Rewards, taking $10 off your Coles Supermarket shop at the checkout every time you redeem 2,000 flybuys points.

No international transaction fee on purchases when you shop online or overseas. However you will be charged fees if you withdraw cash in a foreign currency overseas, all up these cash advance fees amount to 2.5% of the transaction.

What’s not so great...

When comparing credit cards – especially rewards cards – it’s a good idea to weigh up what you’ll pay out in fees and interest against what you get back in rewards and extras. With the Coles Rewards Mastercard, bear in mind that there is an annual fee to cover, and relatively high rates of interest on purchases and cash advances.

It’s also worth noting that while this card provides a great way to earn flybuys points, the conversion rate to airline points may not be as amazing as you’d hope. You might find that this card provides a good way to earn flybuys points, but another rewards card may be better for collecting airline rewards points.

Why should you choose this card?

As an everyday flybuys rewards card, we already know this card has plenty to offer the big Coles spender. However, there are some other nice extras we haven’t yet mentioned. For example, you can use the Coles Rewards Mastercard when shopping overseas or online with international retailers, to pay no international transaction fee on purchases.

You can also use the card to save on interest on your everyday spending, with up to 55 days interest free on purchases, and you can benefit from free delivery when you spend $100 or more at Coles online with your Coles credit card.

Overall Rating

An excellent everyday rewards card for Coles shoppers who want to collect flybuys points while enjoying some nice shopping-related perks and extras.

36 questions (showing the latest 10 Q&As)

April

April

17 March 2019
I own and use a Coles Platinum Mastercard but have no flybuys attached to it. How can I get Flybuys aligned with this card ? Thanks, April
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 March 2019
    Hi April, you will need to supply your flybuys details to Coles. I would give Coles credit card customer service a call on 1300 306 397.
JL

JL

13 March 2019
I noticed that it was stated in the review that you get 3 points per $1 spent with Coles flybuys partners but I couldn't find this in their terms so just curious if this still applies or if they changed this. Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 March 2019
    Hi JL, yes is it clear on the Coles Rewards Mastercard landing page. Collect 3 points per $1 spent on eligible spend when you scan your flybuys barcode at the checkout of any of the below partners: Coles, Kmart, Target, Flybuys travel, Liquorland and First choice liquor. Basically stores operated by Coles.
Lisa

Lisa

16 January 2019
What is an eligible purchase to earn 2 flybuys points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 January 2019
    Hi Lisa, just grabbing the terms. An eligible spend is an Eligible Transaction as defined in the Coles Mastercard Rewards Terms and Conditions www.coles.com.au/rewards-mastercard/terms-conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges, transactions made using flybuys points and government related transactions. Whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution. Here is the a link to the PDF with the full terms in it - https://www.coles.com.au/rewards-mastercard/terms-conditions
Wendy Robinson

Wendy Robinson

19 November 2018
Does this Mastercard cover the user if it is used to purchase a product online and the money is taken but the item never arrives.Can the entry be reversed? I look forward to your anwer.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 November 2018
    Hi Wendy, yes it does. All credit cards have protection whereby you can charge-back any transactions like this / not in person transactions.
Ronald Peter Hanne

Ronald Peter Hanne

5 October 2018
how do I apply for this card
ros robinson

ros robinson

10 August 2018
Hi, I've just purchased the Coles MasterCard on the understanding it does not have overseas transaction fees. On reading the fine print I'm not so sure this is true. Can you explain the fees in terms a lay person can understand. Thanks ros
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 August 2018
    Hi Ros, you are correct that the Coles Rewards Mastercard does not have any overseas transactions fees on purchases. You will still be charged if you try to pull out cash overseas. But if you are making general purchases at shops / restaurants etc. Then you will not be hit with an fees for doing so. This is great for travelling. Though banks can charge features on cards at any time. So you should review your credit card features every 3-6 months to make sure it is still good for you.
KATHY BOHN

KATHY BOHN

17 July 2018
how soon can I receive a coles MasterCard card with no foreign transactional fees because I'm flying to Norway on Friday evening - 20 August
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 July 2018
    Hi Kathy, as far as I am aware Coles have recently removed the no foreign transaction fee feature on this card. A card I suggest now is the ANZ Rewards Travel Adventures credit card. It has no foreign fees. It has a higher annual fee at $225 but includes a free return domestic flight each year. It earns ANZ rewards points and with the travel insurance is a really good package. Another option in a no annual fee card is the 28 Degrees credit card.Sorry - My bad on this statement - there still is no foreign transaction fees on the Coles Rewards Mastercard. It takes typically 5-10 working days to get your new credit card.
ranjit

ranjit

7 July 2018
hi i got approved coles mastercard 0%balance transfer for 16 months how i can transfer the money to another account
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 July 2018
    Hi Ranjit, the balance transfer is only available typically at the time of application. Hopefully you filled in the details of the balance transfer you wanted in the online application process. Soon after you are approved, Citi (who issue Coles) would then make a payment on your behalf automatically of the card(s) / loans that you specified in your form. Citi also have a unique cheque to self option. So if you did not complete anything at application. Then give there Coles credit card customer service a call and see if you can get a cheque to self for the required amount.
Lydia Kumaschow

Lydia Kumaschow

19 June 2018
I need to see details of all purchases on My card since end of June statement. I think there may be a scam one on it.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 June 2018
    Hi Lydia, if you login into your online account. You should be able to see the most recent transactions. If you suspect something is wrong I would give Coles credit card customer service a call to go through the transactions. 1300 306 397
Dianne

Dianne

10 June 2018
Hi,Do you receive any extra discount/flyby points with the Rewards MasterCard when purchasing fuel from Coles petrol stations?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 June 2018
    Hi Dianne, collect 3 points per $1 spent on eligible spend when you scan your flybuys barcode at the checkout of any partners. Coles is naturally listed as a partner but I am unsure of whether Coles petrol stations are included. I would have a go as its likely that you will get these extra flybuys. You can call Coles credit card customer service and they should be able to give you a definitive answer. 1300 265 374
Riley

Riley

3 June 2018
Hi there, Just wondering because the coles mastercard website isn't very clear. Where it says "instant $10 off shop" redeemable for 2000 flybuys points.. Do you have to do this? or can you opt to save your points? and if so, how do you go about this? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 June 2018
    Hi Riley, yes you can just hold your points at not redeem at the 2000 flybuys mark.
aayushma

aayushma

7 May 2018
i have already for the credit card i was approved for 5000 but i didnt provide the documents and now when i apply again i didnt get approved
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 May 2018
    Hi Aayushma, I would give Coles credit card customer service a call to discuss 1300 306 397. Credit scoring can change over time. I think that most of the banks are now tightening approvals. Also Coles has moved to being issued by Citi. This could also impact how they score applications.
Ravi

Ravi

16 April 2018
I want coles credit card for 12000
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 April 2018
    Hi Ravi, this could be possible to get a Coles Rewards Mastercard with this type of limit. You can specify a credit limit in the application process that you desire. Though your credit limit would be assigned at the point of application. After they review the information you provide. You can apply directly on the Coles credit card site > https://financialservices.coles.com.au/credit-cards/rewards-mastercard
C. nugent

C. nugent

14 March 2018
Will existing holders of this card be charged the $99 annual fee? It has been WITHOUT any annual fee for the last 20+ years.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 March 2018
    Hi Cath, as far as I know the Rewards Mastercard has always had an annual fee. Coles are keeping the no annual fee for life card. Citi are now / have taken over issued the credit cards and a range of changes are being put in place. Bottom line if you are not happy with the Coles credit card that you have with any features that it currently has. Then you should look around for a better credit card deal that more suits your personal needs.
Ram Nath

Ram Nath

24 February 2018
If I book my international air flight ticket through my Coles Credit card, Is there any fees or surcharge?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 February 2018
    Hi Ram, at this stage you still don't get charged fees on international purchases. I believe that on April 1st this is changing whereby they will be charging fees.
Virginia McPhun

Virginia McPhun

9 February 2018
Apologies Roland maybe I just missed the promotion Virginia
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 February 2018
    No worries - if you want to cancel still you can call Coles customer service. The Coles Rewards card is now moving to Citi issued and a range of features will be changing. Its a good time to review whether the card is suitable for you or if another card would do better.
  • Be over 18 years old
  • Good credit and 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
Coles Rewards Mastercard
Coles Rewards Mastercard

Coles Credit Cards

Coles Rewards Mastercard

14 March 2019

Purchase Rate (p.a)

19.99%

Balance Transfer (p.a)

0% for 6 months No BT fee. reverts to 19.99% p.a.

Annual Fee (p.a)

$99

$0 over 6 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Coles Rewards Mastercard

A Coles Rewards Mastercard is a fast way to collect flybuys points. No international transaction fee on purchases when you shop online or overseas.

Key features

  • 0% balance transfer for 6 months. Reverts to cash advance rate
  • No international transaction fee on purchases when you shop online or overseas
  • $10 instant off your Coles Supermarket shop when you redeem 2,000 flybuys points
  • Earn 2 flybuys points for every $1 spent on eligible transactions
  • Up to 55 days interest free on purchases when you pay your full balance off each month
  • $99 annual fee
  • Interest rate of 19.99% p.a. on purchases and cash advances

Customer Reviews

Coles Rewards Mastercard

88% rating based on 3 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates & Fees

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 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

Credit limits

Minimum credit limt $6,000

Maximum credit limit $60,000

Fees & repayments

Annual fee $99 p.a.

Additional card holder fee Up to 4 - $10 p.a.

Foreign transaction fee 0%

Minimum repayment 2%

Cash advance fee 3%

Late payment fee $10

Rewards & points

Rewards program

Rewards Program flybuys flybuys

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

flybuys pointsflybuys points 2 points per $1 spent

Points cap per month N/A

Overseas earn rateOverseas earn rate same as standard earn rate

Additional features

Complimentary insurance

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

Extras

No international transaction fees on purchases when you shop online or overseas

Our Review

Editor Review

The Coles Rewards Credit Card

Providing you with a fantastic way to earn points as you shop, the Coles Rewards Mastercard could be the perfect card for you if you happen to be a big spender in Coles. As an award-winning credit card, it certainly has a lot to offer, including great introductory offers, great extras and an excellent earn rate on a diverse rewards program.

But is this the card that will make the most of your spending? Let’s look closer at this lovely little rewards card to find out what it’s all about.

What we love...

This is an everyday rewards card that’s designed to last the distance. In terms of its earn rate, it allows you to earn 2 points per $1 on eligible spend, and 3 points per $1 spent with Coles’ flybuys partners, including Kmart, Target, Liquorland and First Choice Liquor.

You can choose to redeem your flybuys points at the flybuys online rewards store, use them on flybuys Travel flights, hotels and packages, or convert them into Velocity Points or Etihad Guest Miles. Alternatively, you could opt for Instant Rewards, taking $10 off your Coles Supermarket shop at the checkout every time you redeem 2,000 flybuys points.

No international transaction fee on purchases when you shop online or overseas. However you will be charged fees if you withdraw cash in a foreign currency overseas, all up these cash advance fees amount to 2.5% of the transaction.

What’s not so great...

When comparing credit cards – especially rewards cards – it’s a good idea to weigh up what you’ll pay out in fees and interest against what you get back in rewards and extras. With the Coles Rewards Mastercard, bear in mind that there is an annual fee to cover, and relatively high rates of interest on purchases and cash advances.

It’s also worth noting that while this card provides a great way to earn flybuys points, the conversion rate to airline points may not be as amazing as you’d hope. You might find that this card provides a good way to earn flybuys points, but another rewards card may be better for collecting airline rewards points.

Why should you choose this card?

As an everyday flybuys rewards card, we already know this card has plenty to offer the big Coles spender. However, there are some other nice extras we haven’t yet mentioned. For example, you can use the Coles Rewards Mastercard when shopping overseas or online with international retailers, to pay no international transaction fee on purchases.

You can also use the card to save on interest on your everyday spending, with up to 55 days interest free on purchases, and you can benefit from free delivery when you spend $100 or more at Coles online with your Coles credit card.

Overall Rating

An excellent everyday rewards card for Coles shoppers who want to collect flybuys points while enjoying some nice shopping-related perks and extras.

Pros

  • Earn 2 flybuys points for every $1 spent on eligible transactions
  • No international transaction fee on purchases when you shop online or overseas
  • 0% balance transfer for 6 months
  • Up to 55 days interest free on purchases
  • $10 instant off your Coles Supermarket shop when you redeem 2,000 flybuys points
  • $99 annual fee

Cons

  • Purchase and cash advance rate of 19.99% p.a.
Roland B Bleyer

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.

Recently Asked Question

Something you need to know about this card? Ask a our credit card expert a question.

36 questions (showing the latest 10 Q&As)

April

April

17 March 2019
I own and use a Coles Platinum Mastercard but have no flybuys attached to it. How can I get Flybuys aligned with this card ? Thanks, April
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 March 2019
    Hi April, you will need to supply your flybuys details to Coles. I would give Coles credit card customer service a call on 1300 306 397.
JL

JL

13 March 2019
I noticed that it was stated in the review that you get 3 points per $1 spent with Coles flybuys partners but I couldn't find this in their terms so just curious if this still applies or if they changed this. Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 March 2019
    Hi JL, yes is it clear on the Coles Rewards Mastercard landing page. Collect 3 points per $1 spent on eligible spend when you scan your flybuys barcode at the checkout of any of the below partners: Coles, Kmart, Target, Flybuys travel, Liquorland and First choice liquor. Basically stores operated by Coles.
Lisa

Lisa

16 January 2019
What is an eligible purchase to earn 2 flybuys points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 January 2019
    Hi Lisa, just grabbing the terms. An eligible spend is an Eligible Transaction as defined in the Coles Mastercard Rewards Terms and Conditions www.coles.com.au/rewards-mastercard/terms-conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges, transactions made using flybuys points and government related transactions. Whether or not a transaction is an Eligible Transaction will be determined based on information provided either by the merchant or the relevant financial institution. Here is the a link to the PDF with the full terms in it - https://www.coles.com.au/rewards-mastercard/terms-conditions
Wendy Robinson

Wendy Robinson

19 November 2018
Does this Mastercard cover the user if it is used to purchase a product online and the money is taken but the item never arrives.Can the entry be reversed? I look forward to your anwer.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 November 2018
    Hi Wendy, yes it does. All credit cards have protection whereby you can charge-back any transactions like this / not in person transactions.
Ronald Peter Hanne

Ronald Peter Hanne

5 October 2018
how do I apply for this card
ros robinson

ros robinson

10 August 2018
Hi, I've just purchased the Coles MasterCard on the understanding it does not have overseas transaction fees. On reading the fine print I'm not so sure this is true. Can you explain the fees in terms a lay person can understand. Thanks ros
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 August 2018
    Hi Ros, you are correct that the Coles Rewards Mastercard does not have any overseas transactions fees on purchases. You will still be charged if you try to pull out cash overseas. But if you are making general purchases at shops / restaurants etc. Then you will not be hit with an fees for doing so. This is great for travelling. Though banks can charge features on cards at any time. So you should review your credit card features every 3-6 months to make sure it is still good for you.
KATHY BOHN

KATHY BOHN

17 July 2018
how soon can I receive a coles MasterCard card with no foreign transactional fees because I'm flying to Norway on Friday evening - 20 August
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 July 2018
    Hi Kathy, as far as I am aware Coles have recently removed the no foreign transaction fee feature on this card. A card I suggest now is the ANZ Rewards Travel Adventures credit card. It has no foreign fees. It has a higher annual fee at $225 but includes a free return domestic flight each year. It earns ANZ rewards points and with the travel insurance is a really good package. Another option in a no annual fee card is the 28 Degrees credit card.Sorry - My bad on this statement - there still is no foreign transaction fees on the Coles Rewards Mastercard. It takes typically 5-10 working days to get your new credit card.
ranjit

ranjit

7 July 2018
hi i got approved coles mastercard 0%balance transfer for 16 months how i can transfer the money to another account
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 July 2018
    Hi Ranjit, the balance transfer is only available typically at the time of application. Hopefully you filled in the details of the balance transfer you wanted in the online application process. Soon after you are approved, Citi (who issue Coles) would then make a payment on your behalf automatically of the card(s) / loans that you specified in your form. Citi also have a unique cheque to self option. So if you did not complete anything at application. Then give there Coles credit card customer service a call and see if you can get a cheque to self for the required amount.
Lydia Kumaschow

Lydia Kumaschow

19 June 2018
I need to see details of all purchases on My card since end of June statement. I think there may be a scam one on it.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 June 2018
    Hi Lydia, if you login into your online account. You should be able to see the most recent transactions. If you suspect something is wrong I would give Coles credit card customer service a call to go through the transactions. 1300 306 397
Dianne

Dianne

10 June 2018
Hi,Do you receive any extra discount/flyby points with the Rewards MasterCard when purchasing fuel from Coles petrol stations?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 June 2018
    Hi Dianne, collect 3 points per $1 spent on eligible spend when you scan your flybuys barcode at the checkout of any partners. Coles is naturally listed as a partner but I am unsure of whether Coles petrol stations are included. I would have a go as its likely that you will get these extra flybuys. You can call Coles credit card customer service and they should be able to give you a definitive answer. 1300 265 374
Riley

Riley

3 June 2018
Hi there, Just wondering because the coles mastercard website isn't very clear. Where it says "instant $10 off shop" redeemable for 2000 flybuys points.. Do you have to do this? or can you opt to save your points? and if so, how do you go about this? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 June 2018
    Hi Riley, yes you can just hold your points at not redeem at the 2000 flybuys mark.
aayushma

aayushma

7 May 2018
i have already for the credit card i was approved for 5000 but i didnt provide the documents and now when i apply again i didnt get approved
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 May 2018
    Hi Aayushma, I would give Coles credit card customer service a call to discuss 1300 306 397. Credit scoring can change over time. I think that most of the banks are now tightening approvals. Also Coles has moved to being issued by Citi. This could also impact how they score applications.
Ravi

Ravi

16 April 2018
I want coles credit card for 12000
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 April 2018
    Hi Ravi, this could be possible to get a Coles Rewards Mastercard with this type of limit. You can specify a credit limit in the application process that you desire. Though your credit limit would be assigned at the point of application. After they review the information you provide. You can apply directly on the Coles credit card site > https://financialservices.coles.com.au/credit-cards/rewards-mastercard
C. nugent

C. nugent

14 March 2018
Will existing holders of this card be charged the $99 annual fee? It has been WITHOUT any annual fee for the last 20+ years.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 March 2018
    Hi Cath, as far as I know the Rewards Mastercard has always had an annual fee. Coles are keeping the no annual fee for life card. Citi are now / have taken over issued the credit cards and a range of changes are being put in place. Bottom line if you are not happy with the Coles credit card that you have with any features that it currently has. Then you should look around for a better credit card deal that more suits your personal needs.
Ram Nath

Ram Nath

24 February 2018
If I book my international air flight ticket through my Coles Credit card, Is there any fees or surcharge?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 February 2018
    Hi Ram, at this stage you still don't get charged fees on international purchases. I believe that on April 1st this is changing whereby they will be charging fees.
Virginia McPhun

Virginia McPhun

9 February 2018
Apologies Roland maybe I just missed the promotion Virginia
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 February 2018
    No worries - if you want to cancel still you can call Coles customer service. The Coles Rewards card is now moving to Citi issued and a range of features will be changing. Its a good time to review whether the card is suitable for you or if another card would do better.

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