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Coles

Low Rate MasterCard

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
12.99% p.a.
Cash Advance Rate
19.99% p.a.
Annual Fee
$49
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.
Minimum Repayments
%
Late Payment Fee
$20
Special Offers:

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.

Rewards:
Rewards Available
Frequent Flyer, Shopping, Travel or Accomodation
Points Per Dollar Spent
2 - Uncapped
Partners
N/A
Annual Flights Earned
N/A
Value of Rewards
$551.00 after $49 annual fees
Perks:
Max Interest Free Days
62
Travel Insurance
VIP Treatment
Extended warranty, Invitation to special Events, Partner purchase discounts
Overseas Spending:
Currency Conversion Fee
2.5%
OS ATM Charges
$4 or 3% the higher of
Est ATM Cost
$16.50 for AU$300 withdrawal
Credit Limits:
Minimum Credit Limit
N/A
Maximum Credit Limit
No Limit
Security:
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.
Quick Comparison:

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:

The credit card with an everyday low interest rate of 12.99% p.a. on purchases. Plus, collect flybuys points when you shop at Coles Supermarkets.
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Apply Online ⇢ Compare Credit Card
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