Take a look at the different types of credit cards that Coles has to offer:
Rates and fees verified as correct at 18 January, 2021. Other information correct at the time of writing. Advertiser disclosure.
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 6 months and then 19.99% p.a. | $58 | 55 |
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 6 months and then 19.99% p.a. | $58 | 55 | |
| 0% p.a. for 12 months then 19.99% p.a. | 0% p.a. for 12 months and then 19.99% p.a. | $0 | 55 |
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 12 months then 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 | 19.99% p.a. | 0% p.a. for 18 months and then 19.99% p.a. (1.50% balance transfer fee) | $99 $0 in the first year |
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.
287 Reviews
Coles credit card is easy to get rewards from and is competitive. Switched to Coles because there's no annual fee and we use it frequently considering the stores my partner and I use the card at. I don't need to go out of my way if I need to conduct anything in person as Coles stores are readily available and accessible. The accompanying mobile app is very easy to use and trustworthy. I have recommended this credit card to family members and friends as I have had no problems with this service.
Read full reviewColes credit card is easy to get rewards from and is competitive. Switched to Coles because there's no annual fee and we use it frequently considering the stores my partner and I use the card at. I don't need to go out of my way if I need to conduct anything in person as Coles stores are readily available and accessible. The accompanying mobile app is very easy to use and trustworthy. I have recommended this credit card to family members and friends as I have had no problems with this service.
The customer service is the worst I have ever experienced. No customer help. all money hungry. Fraudulent transactions reported and no help whatsoever. Then extra charges appeared when wanting to close card No compassion in wanting to help customers.
Read full reviewThe customer service is the worst I have ever experienced. No customer help. all money hungry. Fraudulent transactions reported and no help whatsoever. Then extra charges appeared when wanting to close card No compassion in wanting to help customers.
Fraudulent transactions, not happy to help, constant payments from unknown sources and every time paid there is new charges.
Read full reviewFraudulent transactions, not happy to help, constant payments from unknown sources and every time paid there is new charges.
I like the credit card from Coles Financial Services because I take advantage of the rewards program which provides considerably more than the $99 annual fee. Because I pay the balance each month, I do not attract interest so the financial rewards are an attractive bonus.
Read full reviewI like the credit card from Coles Financial Services because I take advantage of the rewards program which provides considerably more than the $99 annual fee. Because I pay the balance each month, I do not attract interest so the financial rewards are an attractive bonus.
1) When I first applied for this card it was a no yearly fee card. When it was passed on to Citibank I now have to pay $99 per year. Not so good. 2) I arranged for a monthly direct debit from my bank account to pay the full balance each month. Last month my expected expenses were quite high so I paid $3500 into the credit card account at the beginning of the month so that there would be no chance of being overdrawn. Citibank still took the full end of month balance, $6000+ out of my bank account. Not the balance less $3500. But my bank did not have enough funds to cover that withdrawal. What a mess. When I rang to complain they said "Well, that's what we do." They did offer to refund the $3500. Not so happy!
Read full review1) When I first applied for this card it was a no yearly fee card. When it was passed on to Citibank I now have to pay $99 per year. Not so good. 2) I arranged for a monthly direct debit from my bank account to pay the full balance each month. Last month my expected expenses were quite high so I paid $3500 into the credit card account at the beginning of the month so that there would be no chance of being overdrawn. Citibank still took the full end of month balance, $6000+ out of my bank account. Not the balance less $3500. But my bank did not have enough funds to cover that withdrawal. What a mess. When I rang to complain they said "Well, that's what we do." They did offer to refund the $3500. Not so happy!
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.
