Coles MasterCard Coles Rewards MasterCard

Coles MasterCard

Moneybuddy says

The Coles Rewards MasterCard uses Coles' huge buying power to give you better deals. Enjoy the petrol discounts and a low annual fee of $49. The Coles MasterCard includes flybuys rewards in the one card. By shopping at other flybuys participating retailers like K-Mart, Target, Bi-Lo and more, you earn more points. The worldwide acceptance of MasterCard means it is also a useful credit card to have abroad.

The Basics

Card class MasterCard

Card type Credit card

The cool stuff: features

Reward program Yes

Reward program name Flybuys

Reward program details 2 points per $1 spent at participating flybuys retailers like K-Mart, Target and Bi-Lo.3 flybuys points per $1 spent in Coles Supermarkets when you scan your flybuys barcode. Instant $10 off a Coles Supermarket shop when you redeem 2,000 flybuys points

Reward program terms Please refer to for use of flybuys points, full list of participants, exclusions and full terms and conditions. Note that participants’ earn rates vary.

Additional card holder Yes

Add. card holder details Up to nine free additional cards are available

Purchase security Yes

Extended warranty No

International travel insurance No

Online access Yes

Phone access Yes

The Facts & Figures

Purchase rate p.a. 19.99%

Cash advance rate p.a. 19.99%

Introductory purchase rate p.a. -

Introductory purchase rate period (months) -

Introductory balance transfer period (months) -

Balance transfer rate p.a. -

Introductory balance transfer rate p.a. -

Interest free days 62 days

Minimum repayment -

Min. credit $1,000

Max. credit -

Cash advance limit -

Cash advance limit period

The ugly stuff: fees

Reward program fee -

Late payment fee $25

Atm fee -

International transaction fees Yes

All product information comes from the product provider or an affiliate and to the best of our knowledge is correct at time of publishing. MoneyBuddy endeavours to keep product information up to date however we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. We recommend that you check the accuracy of all information provided on this website with the product provider. MoneyBuddy earns a referral fee from redirecting website users to a product provider's website. Further details are provided in relation to specific product information. Website users have no obligation to apply for a product or service that they may be referred to by this website.

Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Coles MasterCard says

Reedem flybuys points to enjoy $10 off your shopping at Coles Supermarkets^ and the convenience of your Coles MasterCard and flybuys card in one. The Coles MasterCard Online Service Centre lets you view your account details whenever it’s convenient for you. That means you can transact online and manage your account anytime, anywhere. Your Coles MasterCard is protected by the best possible card security measures – on the card itself, whenever you shop and when you access your account.

Key features

  • MasterCard and flybuys card in one
  • Instant $10 off your Coles shop when you redeem 2,000 flybuys points
  • Low annual fee of $49
  • Interest rate on purchases is 19.99% p.a.


  • Low annual fee
  • 62 days interest free
  • flybuys and MasterCard credit card in one
  • Reedem flybuys points to enjoy $10 off your shopping at Coles Supermarkets
  • Superior security and fraud protection

Terms & conditions

The rates and fees below apply to new applicants only and are subject to change. If your Coles MasterCard application is successful, your rates and fees will be confirmed in your welcome pack.


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