7.2/10

Based on 1184 Coles product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

Coles credit cards

A popular household brand in Australia, Coles has been offering quality products and services in the country for over 100 years. Coles Financial Services offers financial products like credit cards and insurance to customers across Australia. Whether you’re after a low fee, low rate or a rewards card, Coles has options for all kinds of financial needs.

And, in 2023, Coles even took out a Mozo Experts Choice Travel Money Award for its Rewards Mastercard in the Travel Credit Card category. It also just won two 2023 Mozo Experts Choice Credit Card Awards.

What credit cards do Coles offer?

Take a look at the different types of credit cards that Coles has to offer:

Rates and fees verified as correct at 31 May 2024. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

Do you generally end up carrying a balance on your credit card? Then a smart way to manage your money is to get a card with a low interest rate. For best value, check out a Coles Credit Card that comes with an everyday low rate interest rate on eligible purchases and lets you earn flybuys points every time you shop at Coles Supermarkets.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

12.99% p.a.

0% p.a. for 15 months and then 19.99% p.a. (1.50% balance transfer fee)

$58

55

Low fee credit cards

If you’re looking for a low fee card, you can choose a Coles Credit Card that comes with no annual fee ever. In addition to the saving that you’ll make on the annual fee, you’ll also earn flybuys points on your eligible everyday spends and get interest free days on purchases when you pay off the full balance every month.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

12.99% p.a.

0% p.a. for 15 months and then 19.99% p.a. (1.50% balance transfer fee)

$58

55

0% p.a. for 6 months then 19.99% p.a.

No current offer

$0

55

Rewards credit cards

With a Coles Rewards Credit Card, you’ll not only earn reward points for every eligible dollar you spend, you’ll also have access to other benefits like complimentary access to 24/7 worldwide concierge service as well as Purchase Protection Insurance, which protects the items you buy with your card in case they're lost, stolen or damaged.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0.5 points per dollar on Mastercard, uncapped

0% p.a. for 6 months then 19.99% p.a.

No current offer

$0

2 points per dollar on Mastercard, up to $3,000 per month, then
1 point per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 6 months and then 19.99% p.a.

$99

How are Coles credit cards rated?

Mozo users have rated Coles credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
Coles credit cards customer reviews
Overall
6.2/10
Price
5.8/10
Features
6.4/10
Customer service
5.9/10
Convenience
6.5/10
Trust
6.3/10
Based on 321 Coles product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent Coles credit card reviews

Coles Credit Card
Overall 7/10
A very convenient card with low fees

For me, one of the standout features of the Coles Credit Card is its low fees. This includes annual fees, transaction fees, and overseas usage fees, so I like to use it when I travel. I also have a low limit of $2000 which is easy to pay. With the wallet app I can easily manage my transactions, track spending, and make payments on the go. They also have pretty good security with pins, messaging when transaction over $100 and also asking for 2FA. While the Coles Credit Card excels in affordability and convenience, its customer service is not so great. I feel this across the board. Slow response times and unhelpful assistance are common, which can be frustrating. Overall think this is a great card and I have used it for years.

Read full review

For me, one of the standout features of the Coles Credit Card is its low fees. This includes annual fees, transaction fees, and overseas usage fees, so I like to use it when I travel. I also have a low limit of $2000 which is easy to pay. With the wallet app I can easily manage my transactions, track spending, and make payments on the go. They also have pretty good security with pins, messaging when transaction over $100 and also asking for 2FA. While the Coles Credit Card excels in affordability and convenience, its customer service is not so great. I feel this across the board. Slow response times and unhelpful assistance are common, which can be frustrating. Overall think this is a great card and I have used it for years.

Price
10/10
Features
8/10
Customer service
5/10
Convenience
8/10
Trust
7/10
Less
Bianca, New South Wales, reviewed 2 months ago
Coles No Annual Fee Mastercard
Overall 8/10
More Pros than Cons

I have been using my Coles Credit Card for nearly 2 years. I collect Coles Flybuys points every time I use it no matter where I use it (yes even at Woolworths). I like the convenience of my Flybuys Number on the reverse of this card. Plus no annual service fee. The only Cons are the lack of receiving a monthly statement and customer service team is overseas based.

Read full review

I have been using my Coles Credit Card for nearly 2 years. I collect Coles Flybuys points every time I use it no matter where I use it (yes even at Woolworths). I like the convenience of my Flybuys Number on the reverse of this card. Plus no annual service fee. The only Cons are the lack of receiving a monthly statement and customer service team is overseas based.

Price
10/10
Features
10/10
Customer service
2/10
Convenience
5/10
Trust
8/10
Less
Glenda, Queensland, reviewed 2 months ago
Coles Credit Card
Overall 8/10
Flybuys points galore!

I enjoy the flybuys points and can accumulate them very quickly with this credit card. I've never had any problems using it. The times I have had to use customer service they have always been able to resolve my problems quickly.

Read full review

I enjoy the flybuys points and can accumulate them very quickly with this credit card. I've never had any problems using it. The times I have had to use customer service they have always been able to resolve my problems quickly.

Price
8/10
Features
10/10
Customer service
7/10
Convenience
8/10
Trust
8/10
Less
Brenda, New South Wales, reviewed about 2 months ago
Coles No Annual Fee Mastercard
Overall 4/10
please see above

pro no annual fee hard 2 get a credit increase

Read full review

pro no annual fee hard 2 get a credit increase

Price
5/10
Features
4/10
Customer service
7/10
Convenience
3/10
Trust
3/10
Less
Bruce, New South Wales, reviewed about 2 months ago
Coles No Annual Fee Mastercard
Overall 1/10
Stay away from Coles financials

I missed my first payment despite contacting them via chat every day from the due date to confirm everything was in order. Bad advice. They did reverse the late fee which is positive. They would not, however, reverse the loss of interest free days. When i said i wanted to dispute this I was told I would recieve a call from an account manger within a couiple of days. Four days later and nothing. SO I decided to cal, them and speak to someone. Not possible, just ended up in voice mail loop. Verdict: CRAP!

Read full review

I missed my first payment despite contacting them via chat every day from the due date to confirm everything was in order. Bad advice. They did reverse the late fee which is positive. They would not, however, reverse the loss of interest free days. When i said i wanted to dispute this I was told I would recieve a call from an account manger within a couiple of days. Four days later and nothing. SO I decided to cal, them and speak to someone. Not possible, just ended up in voice mail loop. Verdict: CRAP!

Price
6/10
Customer service
4/10
Trust
1/10
Less
Jim, South Australia, reviewed 5 months ago

What do you need to apply for a Coles credit card?

Once you’re done comparing the different Coles Credit Cards and picked the one that suits your financial needs the most, you can hit the ‘Go to site’ button on Mozo to reach the Coles Financial Services website.

Applying for a Coles Credit Card from the website directly is quite simple. You’ll see an online form, which will require you to fill in some personal and financial information such as your contact details, identity proof and employment status. Fill in the form carefully and remember to review it before submitting. You’ll get a response on your application from Coles in under 60 seconds.

Credit card quick links