based on 305 Coles banking product reviews as rated by Mozo community

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 2020, Coles even took out two Mozo Experts Choice Awards in the best Balance Transfer and best Rewards Credit Card categories.

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 19 October, 2021. 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

0% p.a. for 12 months then 12.99% p.a.

No current offer

$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

0% p.a. for 12 months then 12.99% p.a.

No current offer

$58

55

19.99% p.a.

0% p.a. for 12 months and then 19.99% p.a.

$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

19.99% p.a.

0% p.a. for 12 months and then 19.99% p.a.

$0

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

0% p.a. for 12 months then 19.99% p.a.

No current offer

$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
Overall
Price
Features
Customer service
Convenience
Trust

299 Reviews

Recent Coles credit card reviews

Coles Credit Card
Overall 1/10
Terrible product, bad service and no respect

I had two issues with Coles CC and decided to never using it again nor recommend it to anyone I know. First issue, I made a payment to a Vodafone Australia, 4 days later, they haven't received the payment yet. I checked my account and the 1$ placeholder transaction is still there, and full amount have not been deducted yet. Called up customer service, waiting 45mins of course, and I can tell that the call centre is somewhere in India, the guy can barely speak English. The guy firstly insisting me that 1$ is what I pay, while I have to explain to him that it is not, and it is placeholder transaction. Then proceed to tell me to wait 14 days to know if the payment actually come through or not. After 15 mins argue with him, I got no result, can't cancel my transaction, don't know of my transaction goes through or not. Second issue, I got a new phone number, decided to call them up to update. First response from automatic answer machine is to give it a authentication code from my old phone to proceed any further. There is option to skip this, like press 0 to talk to a customer rep. After a few attempt I figured out that keep leaving the machine repeat itself open up whole new options to select. Finally got to speak to a real person, again, from India, and can't speak English. He said I can't update my phone because it will require an authentication code sent to my old number. And tell me I have to go to a post office and mail him a paper form. I emphasised, a paper form, can't email, can't do over the phone, have to be in paper form. I then explained to him that my area is in COVID lockdown and I can't leave my home, nor feel comfortable doing so. He suggested I wait until the lockdown finish then do so. Bottom line, I have had bad customer service before, but this is by far the worst. Do not give them your money. There are plenty of other corporate want your business, they may not value you but they will at least pretend. Not at Coles

Read full review

I had two issues with Coles CC and decided to never using it again nor recommend it to anyone I know. First issue, I made a payment to a Vodafone Australia, 4 days later, they haven't received the payment yet. I checked my account and the 1$ placeholder transaction is still there, and full amount have not been deducted yet. Called up customer service, waiting 45mins of course, and I can tell that the call centre is somewhere in India, the guy can barely speak English. The guy firstly insisting me that 1$ is what I pay, while I have to explain to him that it is not, and it is placeholder transaction. Then proceed to tell me to wait 14 days to know if the payment actually come through or not. After 15 mins argue with him, I got no result, can't cancel my transaction, don't know of my transaction goes through or not. Second issue, I got a new phone number, decided to call them up to update. First response from automatic answer machine is to give it a authentication code from my old phone to proceed any further. There is option to skip this, like press 0 to talk to a customer rep. After a few attempt I figured out that keep leaving the machine repeat itself open up whole new options to select. Finally got to speak to a real person, again, from India, and can't speak English. He said I can't update my phone because it will require an authentication code sent to my old number. And tell me I have to go to a post office and mail him a paper form. I emphasised, a paper form, can't email, can't do over the phone, have to be in paper form. I then explained to him that my area is in COVID lockdown and I can't leave my home, nor feel comfortable doing so. He suggested I wait until the lockdown finish then do so. Bottom line, I have had bad customer service before, but this is by far the worst. Do not give them your money. There are plenty of other corporate want your business, they may not value you but they will at least pretend. Not at Coles

Price
7/10
Features
2/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Peter, New South Wales, reviewed 3 months ago
Coles No Annual Fee Mastercard
Overall 1/10
Fraudulent Transactions and Poor Customer Service

I had one of these 1-yr interest-free purchase credit cards. Once the period of 1-yr is finished, I was not notified by SMS/EMAIL. I was charged with a 19.99% interest rate for three months until I noticed in the app transactions. Surprisingly, the Coles Master card APP doesn't send the push notification for the interest-charged transaction. When I asked customer care why I was charged an interest rate, they gave me a false answer. Now, I have been following up for two months with customer care to withdrawn my interest. It seems they are very reluctant to remove the interest. Once the promotion period is finished, Coles Master card doesn't send SMS/EMAIL notification, doesn't call the end-user, or even gives you a false explanation of transactions. And they are expecting you to pay the interest for all the months that you even didn't notice, only just because you agreed on the contract at the starting of the account!! This is a trap for the end-user, and I got the worst customer support ever!! In the same period, I have the credit card from NAB and WestPack. NAB customer care called me and notified me of my first interest charged transaction. They explained the promotional period is finished and asked me whether they can help in any way. Later I paid the balance amount, and they have withdrawn the recent interest charge with an annual fee. I have been with Westpac, and they SMS me that the promotional free period will expire. They eventually call me whether they can help me since it is interest-charged. Be mindful and careful before you are going to apply. Think about the company and customer relations/support with whom you are doing business; this is Citi group, later I came to know, this is not Colesgroup!!

Read full review

I had one of these 1-yr interest-free purchase credit cards. Once the period of 1-yr is finished, I was not notified by SMS/EMAIL. I was charged with a 19.99% interest rate for three months until I noticed in the app transactions. Surprisingly, the Coles Master card APP doesn't send the push notification for the interest-charged transaction. When I asked customer care why I was charged an interest rate, they gave me a false answer. Now, I have been following up for two months with customer care to withdrawn my interest. It seems they are very reluctant to remove the interest. Once the promotion period is finished, Coles Master card doesn't send SMS/EMAIL notification, doesn't call the end-user, or even gives you a false explanation of transactions. And they are expecting you to pay the interest for all the months that you even didn't notice, only just because you agreed on the contract at the starting of the account!! This is a trap for the end-user, and I got the worst customer support ever!! In the same period, I have the credit card from NAB and WestPack. NAB customer care called me and notified me of my first interest charged transaction. They explained the promotional period is finished and asked me whether they can help in any way. Later I paid the balance amount, and they have withdrawn the recent interest charge with an annual fee. I have been with Westpac, and they SMS me that the promotional free period will expire. They eventually call me whether they can help me since it is interest-charged. Be mindful and careful before you are going to apply. Think about the company and customer relations/support with whom you are doing business; this is Citi group, later I came to know, this is not Colesgroup!!

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Sushil, New South Wales, reviewed 4 months ago
Coles No Annual Fee Mastercard
Overall 1/10
Poor Coles Credit Card Management Authority.

There occurred a fraudulent transaction on my Coles platinum MasterCard of $180.00 on 7th Nov.2020. It's almost 6 months and the Coles Master card Management has not settled the dispute yet through the merchant. I would never recommend anyone to purchase or use Coles Mastercard. I went through many reviews now which showed there were illegal transaction on the card done to various individuals which also shows that there is no safety using the card whatsoever.

Read full review

There occurred a fraudulent transaction on my Coles platinum MasterCard of $180.00 on 7th Nov.2020. It's almost 6 months and the Coles Master card Management has not settled the dispute yet through the merchant. I would never recommend anyone to purchase or use Coles Mastercard. I went through many reviews now which showed there were illegal transaction on the card done to various individuals which also shows that there is no safety using the card whatsoever.

Customer service
1/10
Trust
1/10
Less
Dj, Victoria, reviewed 3 months ago
Coles Credit Card
Overall 1/10
Fraudulent Transactions and Poor Customer Service

Fraudulent transactions after card destroyed,cancelled and not in use. Poor customer Service from overseas country and stressing the customers. They try the customers to pay extra money to them.When a card is cancelled and new card applied the payments are still done with the cancelled credit card.Absolute fraudulent activity . Need to escalate to a higher authority if this activity is not stopped.

Read full review

Fraudulent transactions after card destroyed,cancelled and not in use. Poor customer Service from overseas country and stressing the customers. They try the customers to pay extra money to them.When a card is cancelled and new card applied the payments are still done with the cancelled credit card.Absolute fraudulent activity . Need to escalate to a higher authority if this activity is not stopped.

Customer service
1/10
Trust
1/10
Less
Dj, Victoria, reviewed 5 months ago
Coles Credit Card
Overall 1/10
Absolute Scam !

Absolute scam. I noticed that I always pay extra. Just paid a due amount in full and the very next day I noticed my balance is negative $200 and I couldn't figure out where it is coming from. From that point I have recorded my transactions and again with the new payment I am 137 dollars short that I don't know where it is coming from . I suspect that there is fraudulent transactions going on here . No transparency in transactions and information whatsoever. Avoid at all costs !

Read full review

Absolute scam. I noticed that I always pay extra. Just paid a due amount in full and the very next day I noticed my balance is negative $200 and I couldn't figure out where it is coming from. From that point I have recorded my transactions and again with the new payment I am 137 dollars short that I don't know where it is coming from . I suspect that there is fraudulent transactions going on here . No transparency in transactions and information whatsoever. Avoid at all costs !

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Cyrus, Western Australia, reviewed 7 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