Rates and fees information correct as of March 1st 2017.
Benefits & Features of the Coles Low Rate MasterCard
Features of the Coles Low Rate MasterCard
Low $49 annual fee.
✓ Collect 1 point for every $2 you spend at Coles Supermarkets.
✓ $10 off your Coles supermarket shop instantly at the checkout when you redeem 2,000 flybuys points.
✓ Free delivery at Coles online using your Coles Credit Card.
✓ MasterCard and flybuys card in one so you only have to carry one card instead of two.
✓ 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.
✓ Up to 62 days interest free on purchases when you pay your full balance off each month.
✓ Superior security and fraud protection - the Falcon™ fraud management system and MasterCard Zero Liability Guarantee give you peace of mind.
✓ Convenience of MasterCard Tap & Go - for amounts under $100, simply Tap & Go, or enter a PIN for amounts over $100.
✓ Access your account easily online and via the app.
✓ Additional cards available with one convenient statement.
✓ Protected by the Coles Shield Coles Shield - protection against fraud
The features listed on this page apply to new applicants only. Please see our existing customers page if you already have a Coles MasterCard.
$10 off your Coles Supermarket shop
Save $10 instantly at the checkout every time you redeem 2,000 flybuys points.
Rates and Fees:
Purchase Interest Rate
Cash Advance Rate
Balance Transfer Fee
This card has no balance transfer offer. Balance tranfer rate is the interest rate of 12.99%.There is no balance transfer fee.
Late Payment Fee
Balance Transfer Offers No offers
Introductory Purchase Rate Offers No offers
Other Special Offers $10 off your Coles Supermarket shop - Save $10 instantly at the checkout every time you redeem 2,000 flybuys points.
Balance Transfer Offers
Introductory Purchase Rate Offers
Other Special Offers
$10 off your Coles Supermarket shop - Save $10 instantly at the checkout every time you redeem 2,000 flybuys points.
Frequent Flyer, Shopping, Travel or Accomodation
Points Per Dollar Spent
2 - Uncapped
Annual Flights Earned
Value of Rewards
$551.00 after $49 annual fees
Max Interest Free Days
Extended warranty, Invitation to special Events, Partner purchase discounts
Currency Conversion Fee
OS ATM Charges
$4 or 3% the higher of
Est ATM Cost
$16.50 for AU$300 withdrawal
Minimum Credit Limit
Maximum Credit Limit
Security & Protection
Protected by the Coles Shield. Superior Security and fraud protection – the Falcon™ fraud management system and our zero liability guarantee give you peace of mind. The Falcon™ fraud management system identifies unusual activity on your card and alerts our security experts.
The Coles Low Rate MasterCard has the 46th lowest interest rate of 12.99% (8 others have the same) and the 56th lowest cash advance rate at 19.99% (8 others have the same) compared to 171 other credit cards. 57 cards have a lower annual fee than $49 (13 have the same) and 135 have a lower or the same late payment fee of $20.
From Coles site: