More on the Coles No Fee Credit Card:
No annual fee. Ever.With a Coles No Annual Fee MasterCard you enjoy no annual fee - ever. Plus you’ll collect flybuys points on your everyday spend. Apply today.
The features listed on this page apply to new applicants only. Please see our existing customers page if you already have a Coles MasterCard.
NO annual fee. Ever. Collect 1 point for every $2 you spend. Everywhere, every day. 1 $10 off your Coles supermarket shop instantly at the checkout every time you redeem 2,000 flybuys points.2 Free delivery at Coles online using your Coles Credit Card.3 Free Coles Mobile Wallet, lets you pay and collect flybuys points with your phone, while keeping track of your purchases for your convenience and control. Coles MasterCard and flybuys card in one so you only have to carry one card instead of two. Up to 62 days interest free on purchases when you pay the full balance off each month.4 19.99% on purchases and cash advances. Superior Security and fraud protection – the Falcon™ fraud management system and our zero liability guarantee give you peace of mind. Convenience of MasterCard PayPass - for amounts under $100, simply Tap & Go with your Coles MasterCard, or enter a PIN for amounts over $100. Access your account easily online. Additional cards available with one convenient statement. Platinum No Annual Fee MasterCard with even more benefits if you’re approved for a certain credit limit. Protected by the Coles Shield
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$10 off your Coles Supermarket shop
Save $10 instantly at the checkout every time you redeem 2,000 flybuys points.2
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Platinum No Annual Fee MasterCard
You can enjoy the same great features and even more with our Platinum No Annual Fee MasterCard if you’re approved for a credit limit over $6,000 when you apply.
These benefits include complimentary access to our 24/7 worldwide concierge service, as well as Merchandise Protection Insurance5, which protects the items you buy with your card in case they're lost, stolen or damaged.
Award-winning valueWe're proud of the awards our credit cards have won.
Best Non-bank transaction Credit Card and Rewards Credit Card 2014 and 2015
5 stars for Outstanding Value Credit Card (Rewards and No Annual Fee cards), Everyday Spender category, 2013 - 2015
5 stars for Outstanding Value Credit Card Rewards (Rewards and No Annual Fee cards), Cash/Voucher Rewards category, 2013 - 2015
Terms & conditions
1 flybuys points awarded for using a Coles MasterCard linked to your flybuys membership are in addition to flybuys points awarded by flybuys partners. Eligible transactions are explained in the Coles MasterCard Loyalty Terms and Conditions (PDF, 277kb). Eligible transactions exclude cash advances, credit fees or charges, credits, refunds, reimbursements, business purchases or balance transfers into your account. Standard flybuys Terms and Conditions apply, see flybuys.com.au. Note that partners’ earn rates vary. To upgrade to a Coles MasterCard to collect flybuys points everywhere call 1300 306 397.
2 2,000 flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express and Coles Online. Minimum spend is $10.05 after savings and discounts in one transaction at Coles Supermarkets and BI-LO (excluding smoking/tobacco related product purchases, Coles Group gift cards and iTunes cards).
3 Receive free delivery each time you spend $100 or more, after savings and discounts, with a Coles Credit Card at shop.coles.com.au. Offer can be withdrawn at any time. Offer excludes tobacco and tobacco related product purchases and remote delivery orders. To see if we deliver to your area, visit shop.coles.com.au and enter your postcode. Normal delivery terms and conditions apply.
4 To receive interest free days on your everyday MasterCard purchases, you must pay your balance in full every month.
5 See the Insurance Benefits section in the Conditions of Use for details. Merchandise Protection cover is provided by Hallmark General Insurance Company Limited (ABN 82 008 477 647 AFSL 243478).
MasterCard® and the MasterCard brand mark are registered trademarks and PayPass is a trademark of MasterCard International Incorporated. Credit facility provided by Wesfarmers Finance Pty Ltd ABN 58 601 282 455, Australian Credit Licence number 470916.
Coles No Annual Fee MasterCard awarded 5 Stars by CANSTAR for outstanding value in 2014 based on General Rewards and Cash/Voucher Rewards with a $12,000 annual spend.
If you’re an existing Coles MasterCard customer the rates and fees listed on this page may not apply to you. Please refer to our existing customer page for more information.
Fee/charge Amount More information Annual fee $0 NA Interest rate 19.99% p.a The interest you pay on purchases and cash advances. Cash advance fee 3% of the cash advance/cash equivalent transaction or $1.95 - whichever is greater A cash advance fee will be charged to your account on each occasion you obtain a cash advance or carry out a cash equivalent transaction. Some ATMs may charge an additional usage fee. This usage fee can be avoided by using Westpac ATMs. International ATM Fee $4 in addition to the cash advance fee This is charged on each occasion you withdraw cash from an automatic teller machine outside Australia. International (OTC) Fee $5 in addition to the cash advance fee This is charged on each occasion you withdraw cash outside Australia via an over the counter transaction. International transaction fee 2.5% on all purchases and cash This is charged when you obtain funds or make a purchase outside of Australia or in a foreign currency. Late fee $20.00 This is charged if you do not pay any amount that is due and payable (e.g. your minimum monthly payment) by the due date. Australia Post payments $2.00 This is the cost incurred from making a payment at Australia Post. Paper statement fee 50 cents per statement You can avoid this fee by opting to receive statements online. Simply login to the Online Service Centre and switch for online statements.