Your selected 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.
No annual fee for the life of the card plus collect 1 Flybuys point per $2 on eligible purchases up to $5,000 in each Statement Period (T&Cs apply). Get access to complimentary travel insurance. Apple Pay, Samsung Pay and Google Pay compatible. Up to 44 days interest free on purchases when you pay your account in full by the monthly due date.
Your selected credit cards
My card was used in Boston - card cancelled. Then within three weeks new card used in South America. This card cancelled. Second new card not activated, still receiving charges to it. I have no faith that Coles can keep these cards secure.
The application process is so bad and the overseas help desks in India and the Phillipines are even worse. If you want to waste an inordinate amount of time attempting to apply and then give your all personal details to a poorly paid help desk worker in another hemisphere this is the card for you.
Coles Annual fee MasterCard is great
I really like my Coles Mastercard. It always lets me know about big transactions. it worked really well when i was overseas. I would highly recommend this card to my friends.
I haven't got a negative comment to make.
OK, its free and you get FlyBuys, but service is absolutely atrocious. You can only make applications on-line and these are often unavailable or crash. The Call Centre is atrocious- staff cant understand you, and you cant understand them. Despite promising to do so staff do not call-back. Despite promising to fix IT issues this never happens. Its real "Alice in Wonderland:" stuff!
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.
pro no annual fee hard 2 get a credit increase
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.
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.
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