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Coles

Rewards MasterCard

Rates and fees information correct as of March 1st 2017.

Benefits & Features of the Coles Rewards MasterCard

Features of the Coles Rewards MasterCard

Collect 2 points for every dollar you spend. Everywhere, every day.

No international transaction fees on purchases - when you're shopping online or when you're overseas.

$10 off your Coles supermarket shop instantly at the checkout with 2000 flybuys points.

Free delivery at Coles online with 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.

$89 annual fee.

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 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.

Interest rate is 19.99% p.a. on purchase and cash advances.

Access your account easily online.

Additional cards available with one convenient statement.

Platinum MasterCard with even more benefits if you're approved for a credit limit of $6,000 or more.

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.

No international transaction fees on purchases
That's right! No transaction fees on international purchases made with your Coles Rewards MasterCard. That makes the Coles Rewards MasterCard perfect for everyone who likes to shop online, and also a great way to save on fees while travelling overseas.

Plus, you continue to collect 2 flybuys points for every dollar you spend and can use the card everywhere MasterCard is accepted - that's over 38 million locations worldwide.

$10 off your Coles Supermarket shop
Save $10 instantly at the checkout every time you redeem 2,000 flybuys points.

Platinum Coles Rewards MasterCard
You can enjoy the same great features and even more with our Platinum Coles Rewards 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 Insurance, which protects the items you buy with your card in case they're lost, stolen or damaged.

Rates and Fees:
Purchase Interest Rate
19.99% p.a.
Cash Advance Rate
19.99% p.a.
Annual Fee
$89
Balance Transfer Fee
This card has no balance transfer offer. Balance tranfer rate is the interest rate of 19.99%.There is no balance transfer fee.
Minimum Repayments
2.2%
Late Payment Fee
$20
Special Offers:

Balance Transfer Offers
No offers
Introductory Purchase Rate Offers
No offers
Other Special Offers
Currently no special offers.

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
$511.00 after $89 annual fees
Perks:
Max Interest Free Days
62
Travel Insurance
VIP Treatment
Concierge service available, Invitation to special Events, Partner purchase discounts
Overseas Spending:
Currency Conversion Fee
0%
OS ATM Charges
$4 or 3% the higher of
Est ATM Cost
$9.00 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 Rewards MasterCard has the 47th highest interest rate of 19.99% (14 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. 103 cards have a lower annual fee than $89 (2 have the same) and 135 have a lower or the same late payment fee of $20.

From Coles site:

Apply now for a Coles Rewards MasterCard to enjoy the great rewards and benefits.
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