Coles - No Annual Fee Mastercard
The Coles No Annual Fee Mastercard comes with an interest rate of 21.99% p.a. on purchases and up to 44 interest-free days on purchases. This credit card has an earn rate of 1 Flybuys point per 2 dollars spent on eligible purchases. There is a purchase rate of 21.99% p.a..
An annual fee of $0 and a purchase interest rate of 21.99% p.a.. Earn 1 Flybuys point per $2 on eligible purchases at Coles Supermarkets up to $5,000 in each statement period. For more information, visit the Coles official website - T&Cs apply.
Annual Fee
$0 per year
Balance Transfer
0% for 12 months reverts to 21.99% p.a.
5% BT fee applies.
5% BT fee applies.
Purchase Rate
21.99% p.a.
Rewards Rate One
1 point(s) per AUD$2 On eligible purchases at Coles Supermarkets up to $5,000 per statement
Details
Card Type
Mastercard
Minimum Repayment
2% or $25
per statement, whichever is greater
Interest Free Period
up to 44
days
Minimum Credit Limit
$1,000
Maximum Credit Limit
$100,000
Fees
Annual Fee
$0
per year
Late Payment Fee
$30
per statement
Cash Advance Fee
3% or $1.95
per transaction, whichever is greater
Additional Card Holder Fee
$0
Rates
Purchase Rate
21.99% p.a.
Cash Advance Rate
21.99% p.a.
Balance Transfer
Balance Transfer
0% for 12 months
reverts to 21.99% p.a.
5% BT fee applies.
5% BT fee applies.
Balance Transfer Limit
80%
of credit limit
Balance Transfer Fee
5%
per transaction
Overseas Spending
Foreign Currency Conversion Fee
3%
per transaction
Eligibility
Minimum Age
18
years old
Temporary Residents
No
Rewards
Program
Flybuys
Types
Flybuys points
Reward Rates
Rewards Rate One
1 point(s) per AUD$2
On eligible purchases at Coles Supermarkets up to $5,000 per statement
Rewards Rate Two
1 point(s) per AUD$2
On on eligible purchases everywhere else up to $5,000 per statement
Perks
Complimentary Travel Insurance
No
Airport Lounge Access
No
Who is the product designed for?
The retail clients for whom this product has been designed are individuals who:
- are seeking a line of credit facility for everyday spending to earn Flybuys Points with no annual fee.
- are an existing Flybuys member or are seeking to be a Flybuys member.
- have an existing Coles Group account or are seeking to be a Coles Group account holder.
- meet eligibility criteria and serviceability requirements for the product.
- are unlikely to hold substantial balances for prolonged periods except to take advantage of reduced interest rates and/or instalment repayments on an Instalment Plan or a Balance Transfer (including holding a Balance Transfer for longer than the period during which a reduced interest rate applies).
Visit Coles to view Target Market Determination Effective From: 2026-10-01.
