Coles Rewards Mastercard Credit Card

Earn 2 Flybuys Points everywhere Mastercard is accepted up to and including $3,000 each statement period. The earning rate drops to 1 Flybuys point per $1 thereafter. Earn up to 3 Flybuys points for every $1 spent on all Coles purchases.

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Positive points

• Bonus

  Flybuy bonus points

• Annual fee

  Annual fee of $99

• Flybuys points

  2 Flybuys points for every $1 in eligible spending for the first $3,000

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Negative points

• Annual fee

  Relatively high annual fee of $99

• Payment fee

  Late payment fee of $30

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Balance transfers, BPAY payments, cash advances, fees, and foreign currency purchases or traveler's checks will not earn points. Government-related transactions, including payments to the ATO, do not earn reward points.

The current balance transfer offer for Mastercard Coles Rewards is 0% aa for 6 months, applicable on balance transfers completed within 90 days of card approval. Any balance remaining after the end of the introductory period will revert to the cash advance rate.

Exchange rate

Exchange rates do not apply to retail purchases. However, cash advances in foreign currency or made outside the country will incur a 2.5% fee. To apply for your card, click the button below:

Cash advances

Coles Rewards Mastercard charges 19.99% per year on cash advances with a fee of $1.95 per transaction amount under $65.00 and 3.00% of the transaction amount for any transaction equal to or greater than $65.00. International cash advances will be charged a $5 fee.

Interest-free term

Pay the balance due on your Coles Rewards Mastercard account each month by the due date and you will have 55 interest-free days on qualifying purchases. As usual, the interest-free period does not apply to cash advances or balance transfers. To apply for your card, click the button below:

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