About Coles

A logical and extremely well met offering from this Australian group, Coles credit cards are a pleasure to apply for online.

Modern & Sleek

The site is modern, sleek and eminently upmarket. It has a number of pleasing features with a look and feel that welcomes visitors.

The company has clearly employed its inside knowledge of the Australian consumer mind to great effect online.

Online and upbeat

The site is a scroll-down with various inputs to click-through along the way. Easy to navigate, brisk and user-friendly, Coles is very capably extending the tool of a credit card into a market it knows only too well.

Generating an “all in one place” feel alongside its supermarket presence, their card is particularly well received by consumers.

Decisions, decisions

Astutely offering a limited number of cards that encapsulate all on offer, each card thus feels laden with benefits.

Presenting as an upmarket and savvy choice, Coles’ credit cards are well worth perusing when shopping for a credit card online.

What Coles can offer you

The Coles No Annual Fee Mastercard does as its name implies. There is no annual fee for holding one of these.

Offering 0% interest on balance transfers for 6 months, this card also accrues 1 point for every $2 spent anywhere. The purchase interest rate is set at 19.99%.

Coles Rewards Mastercard

The Coles Rewards Mastercard comes with a rewards program, the same 19.99% interest on purchases but also, in its case, a flip-over of structure, where a client will earn 2 points for every $1 spent. This has proved to be the most attractive credit card in the range for Australians.

Low Rate Mastercard

The Coles Low Rate Mastercard is close behind and, in reality, these figures fluctuate throughout the year as each card has its own merits. Offering a very low rate of 12.99% per annum, it does accrue a 19.99% cost on cash advances. While offering 1 point for every $2 spent, this spend must occur at a Coles Supermarket to qualify.

Other benefits include earning up to 6 x more points in-store as a credit card and insurance client, free delivery for Coles online purchases of $100 or more and a $10 rebate when one redeems 200 “Flybuy” points at checkout.

A Lender of Choice

With such a thorough and all-encapsulating offer from an existing retail presence into the regular and accustomed Australian market, it’s not hard to see why the company’s cards have landed so well with consumers.

In a Nutshell

  •  Available cards
    • Coles No Annual Fee MasterCard
    • Coles Rewards MasterCard
    • Coles Platinum Rewards MasterCard
    • Coles Platinum No Annual Fee MasterCard
    • Coles Low Rate MasterCard
  •  Rewards
    • Flybuys points
    • Coles deals and discounts
  •  Interest ranges From 12.99% to 19.99% on purchases
  •  Interest-free purchase periods none
  •  Interest-free balance transfer periods 0% for 6 months
  •  Annual fee ranges From $0 to $89 per annum
  •  Average processing time 2 to 3 days
  •  Online application
  •  In-store application

A Simple, Reliable and Competitive Credit Card

Applying for a Coles credit card via the online loan application takes around 10 minutes. Anyone 18 or older and resident in Australia can apply.

The required per annum income is set at $25000 and one needs the usual documentation to complete the application process.

But wait, before you answer

There is a more detailed click-through accompanying each card and all offers online. Applying its accrued knowledge of the Australian consumer, gleaned over many years, Coles has hit the sweet spot first time round with their credit card offering.

Comprehensive Insurance

Additionally, Coles Shield offers insurance cover that is hard to beat, there is a mobile app that facilitates payments on the go and a Coles credit card enables the Flybuy benefits and a credit card facility to be merged into one.

Modern and attractive

Modern and attractively rendered, Coles is a viable credit option, especially for the large percentage of Australians who earn in the designated minimum range and above.

A Personal Finance Tool

While some credit cards offered in the global marketplace are onerous in their stipulations regarding minimum income, Coles very cleverly recognises that a credit card is a personal finance tool and, to a large extent offer cards for all income levels.

Eligibility & Requirements

Other Products & Services

  • Credit Crads
  • Insurance

Contact Details

  •  1300 306 397
 Visit Website


 Postal Address

  • GPO Box 940, Melbourne, 3001, Australia

Opening Hours

  •  Monday 08:00 – 21:00
  •  Tuesday 08:00 – 21:00
  •  Wednesday 08:00 – 21:00
  •  Thursday 08:00 – 21:00
  •  Friday 08:00 – 21:00
  •  Saturday 08:00 – 20:00
  •  Sunday 08:30 – 20:00