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Coles Credit Cards

Coles Credit Card - Simple products, delivering great value

Each of credit cards offered by Coles are designed to continue to deliver great value and service. Coles offer the choice of a Coles MasterCard, that includes the fastest way to earn flybuys points, and a no annual fee credit card which also includes the opportunity to earn flybuys! The Coles Credit Cards are multi award-winning and include features and security that put them among the best value credit cards in Australia.


Coles Credit Card

  • Coles Rewards MasterCard - A rewards credit card that is the fastest way to earn flybuys points - earn 2 flybuys points per $1 spent everywhere on top of what you earn at other flybuys participants. Applicants with Credit Limits in excess of $6,000 are offered the Coles Platinum Rewards MasterCard which features to additional benefits of a 24/7 concierge and purchase protection insurance on your purchases.
  • Coles MasterCard with No Annual Fee - you’ll still earn flybuys points, but you won’t pay an annual fee. Ever! Earn 1 flybuys point per $2 you spend everywhere - that’s on top of the usual flybuys points from flybuy partners. Applicants with credit limts in excess of $6,000 are offered the Coles No Annual Fee Platinum Mastercard which still features the no annual fee and includes a couple of additional benefits of a 24/7 concierge and purchase protection insurance.
  • Coles Low Rate MasterCard - the latest addition to the Coles Credit Card offering, this card features one of the lowest purchase rates available in tandem with flybuy rewards, up to 62 interest free days and a low annual fee of just $49 p.a.


Convert flybuys to Velocity Points

From 20th October 2016 Virgin Australia frequent flyers where able to earn Velocity Points when they shop at Coles under a new rewards deal that emulates the loyalty partnership between rivals Qantas and Woolworths.

This new partnership allows flybuy members the option to convert their flybuy points they earn at Coles and 27 partner retailers including Kmart, target and Liquorland, for Velocity Points.

In an Australian first for a loyalty program, the partnership will allow flybuys members to earn Velocity status credits at Coles and its liquor stores.


Multi Award Winning Coles Credit Cards

Since their launch back in 2012 Coles Credit Cards have been recognized by both Money Magazine and Canstar in their annual awards for Australian Credit Cards

  • Money Magazine - In 2015 & 2014 Coles Credit Cards where named the Best Non-Bank Transaction Credit Card and Best Non-Bank Rewards Credit Card
  • Canstar - In 2013, 2014 & 2015 Coles Credit Cards where awarded 5 stars for Outstanding Value Credit Card and Outstanding Value Rewards Credit Card

A popular alternative to the Coles Credit cards is the nab Flybuys Reward Credit Card which features the flybuys reward program in conjunction with a raft of Platinum Card Benefits, including 7 complimentary insurances, including overseas travel insurance a 24/7 concierge service and upto 44 days interest free on purchases.