6.5 / 10

based on 292 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 18 January, 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

12.99% p.a.

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

$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 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

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 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
1 point per dollar on Mastercard, uncapped

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

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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
6.5/10
Price
Features
Customer service
Convenience
Trust

287 Reviews

Recent Coles credit card reviews

Coles No Annual Fee Mastercard review
Overall 10/10
Coles credit card making life easy.

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 review

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.

Price
8/10
Features
10/10
Customer service
9/10
Convenience
10/10
Trust
10/10
Less
Sieni, Queensland, reviewed 4 days ago
Coles Rewards Mastercard review
Overall 1/10
Unhappy.

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 review

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.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Trevor, New South Wales, reviewed about 2 months ago
Coles Rewards Mastercard review
Overall 1/10
Very bad, do not recommend.

Fraudulent transactions, not happy to help, constant payments from unknown sources and every time paid there is new charges.

Read full review

Fraudulent transactions, not happy to help, constant payments from unknown sources and every time paid there is new charges.

Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Sara, New South Wales, reviewed about 2 months ago
Coles Credit Card review
Overall 10/10
Coles credit cards provide attractive rewards.

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 review

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.

Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Graham, Queensland, reviewed about 2 months ago
Coles Rewards Mastercard review
Overall 2/10
Be careful topping up the credit card account!

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 review

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!

Price
5/10
Features
5/10
Customer service
1/10
Convenience
5/10
Trust
1/10
Less
Inez, Victoria, reviewed 4 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