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  • Coles Group MasterCard

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    • MasterCard card from Coles Group
    • 19.99%

    • $49.00

    • 62

    Rewards scheme

    • Earn flybuys points everywhere you shop.
    • Redeemed via flybuys site
    • Earn additional points at flybuys participants when your card is scanned.
    • Redeem $10 off your shopping at Coles Supermarkets as long as you have the required number of flybuys points

    Value of rewards points

    • Example reward
    • You'd need to spend
    • Points are capped?
    • No
    • Points expire?
    • Never

    Details behind our 'value of rewards' calculations

    (how did we do it? find out...)

    Rates

    Purchase rate
    19.99%
    Intro purchase rate
    none
    Balance transfer rate
    none
    Balance transfer term
    none
    Balance transfer revert to cash
    none
    Cash advance rate
    19.99%
    Interest free days
    62

    Other financial bits

    Minimum repayment amount
    $10.00
    Minimum repayment percent
    2.22

    Fees

    Annual card fee
    $49.00
    Introductory fee
    $0 in the first 1 year
    Annual fee spend threshold
    none
    Reward program fee
    $
    Late payment fee
    $25.00
    Overlimit fee
    $5.00
    Cash advance fee
    $3%, Min $1.95
    Foreign exchange margin
    2.50%
    Duplicate statement fee
    $0.50
    Transaction verification fee
    $0.00
    Additional card fee
    $
    Establishment fee
    $

    Features

    Additional cardholders
    yes
    Other restrictions
    none
    Other benefits
    Earn 2 flybuys points for every $1 you spend at Coles group stores. Redeem 2000 points for $10 off your shopping at Coles supermarkets. Customers who previously held a Source MasterCard with no annual fee do not earn flybuys points everywhere.

    About Coles Group

    The Coles Group Mastercard is part of the Coles Group owned by Wesfarmers who have business operations in a diverse range of businesses. Coles Group offers a signature credit card that can be used for a range of everyday purchases, with no annual fees and regular savings on petrol and a variety of other products.

    How are Coles Group credit cards rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    Coles Group credit cards 6.2 Based on 28
    Coles Group credit card reviews
    5.1 6.5 6.3 6.0 6.3

    Read Coles Group credit card reviews by the Mozo community

    Latest reviews of Coles Group MasterCard

      • Coles Group MasterCard *

        • 19.99%

          interest rate

        • $49.00

          annual fee

        * Fees and charges are payable

        Show Rates

        Even better rewards even at other stores.

          1. Overall customer rating
          2. (Reviewed 11 days ago)

        Each month there is a statement with payment options. If you pay whole amount owing there is no interest charges. Also flybuys (now incorporated on the same card) are earned even when not shopping at Coles but at other stores/businesses. If spendi...       Full review 

        Each month there is a statement with payment options. If you pay whole amount owing there is no interest charges. Also flybuys (now incorporated on the same card) are earned even when not shopping at Coles but at other stores/businesses. If spending more than $100 at Coles you can use flybuys to get $10 off the bill, along with the petrol discount voucher.The first year's membership is free.


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        Coles Group MasterCard credit card review by Eileen from Queensland

        Was this review helpful?

        Yes
      • Coles Group MasterCard *

        • 19.99%

          interest rate

        • $49.00

          annual fee

        * Fees and charges are payable

        Show Rates

        Great customer service and 55 interest free days.

          1. Overall customer rating
          2. (Reviewed 18 days ago)

        New Coles Mastercard is very good and easy to use as it now includes the Fly Buys number on the same card. Real people talk to you when the card is activated and you have a chance to ask any questions you like on a one to one basis. On the whole, ...       Full review 

        New Coles Mastercard is very good and easy to use as it now includes the Fly Buys number on the same card. Real people talk to you when the card is activated and you have a chance to ask any questions you like on a one to one basis. On the whole, very satisfied with both phone and internet web side when any service is required.


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        Coles Group MasterCard credit card review by Glenda from Victoria

        Was this review helpful?

        Yes
      • Coles Group MasterCard *

        • 19.99%

          interest rate

        • $49.00

          annual fee

        * Fees and charges are payable

        Show Rates

        Only use sometimes

          1. Overall customer rating
          2. (Reviewed 18 days ago)

        I like this product because of the link it has to Flybuys Most of my rewards come from points earned by using this card. I dislike the interest rates they could be more in line with the major banks       Full review 

        I like this product because of the link it has to Flybuys Most of my rewards come from points earned by using this card. I dislike the interest rates they could be more in line with the major banks


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        Coles Group MasterCard credit card review by Kim from Queensland

        Was this review helpful?

        Yes
      • Coles Group MasterCard *

        • 19.99%

          interest rate

        • $49.00

          annual fee

        * Fees and charges are payable

        Show Rates

        good free card and rewards

          1. Overall customer rating
          2. (Reviewed 25 days ago)

        No physical access to operator through a bank can be a problem. Like the rewards programme and the fact that the card is fee free. should broaden the rewards programme to include fuel purchases as well as discount fuel vouchers. interest high if y...       Full review 

        No physical access to operator through a bank can be a problem. Like the rewards programme and the fact that the card is fee free. should broaden the rewards programme to include fuel purchases as well as discount fuel vouchers. interest high if you don't pay total amount by due date


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        Coles Group MasterCard credit card review by Linda from South Australia

        Was this review helpful?

        Yes
      • Coles Group MasterCard *

        • 19.99%

          interest rate

        • $49.00

          annual fee

        * Fees and charges are payable

        Show Rates

        Meets my needs at present

          1. Overall customer rating
          2. (Reviewed about 1 month ago)

        The coles group are in the process of launching an upgraded card. The blurb makes it sound good. We will have to wait & see       Full review 

        The coles group are in the process of launching an upgraded card. The blurb makes it sound good. We will have to wait & see


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        Coles Group MasterCard credit card review by Linda from Queensland

        Was this review helpful?

        Yes
      • Coles Group MasterCard *

        • 19.99%

          interest rate

        • $49.00

          annual fee

        * Fees and charges are payable

        Show Rates

        Excellent customer service

          1. Overall customer rating
          2. (Reviewed about 1 month ago)

        Most credit card facilities are much of a muchness, it all comes down to customer service whenever there is a problem. The service was excellent when I was stranded overseas, lost my passport and credit cards. Old card was cancelled and new one i...       Full review 

        Most credit card facilities are much of a muchness, it all comes down to customer service whenever there is a problem. The service was excellent when I was stranded overseas, lost my passport and credit cards. Old card was cancelled and new one issued within days!


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        Coles Group MasterCard credit card review by Irene from Western Australia

        Was this review helpful?

        Yes
      • Coles Group MasterCard *

        • 19.99%

          interest rate

        • $49.00

          annual fee

        * Fees and charges are payable

        Show Rates

        Bad rates, bad customer service

          1. Overall customer rating
          2. (Reviewed 2 months ago)

        Interest rates are exorbitant, & you never seem to be able to get out of the rut to pay it off. Are not honest with their policies       Full review 

        Interest rates are exorbitant, & you never seem to be able to get out of the rut to pay it off. Are not honest with their policies


          1. Price
          1. Features
          1. Service
          1. Convenience
          1. Trust
        Less
        Coles Group Source credit card review by Helen from New South Wales

        Was this review helpful?

        Yes

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