6.5 / 10

based on 300 Coles 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 17 April, 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 15 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 15 months and then 19.99% p.a.

$58

55

0% p.a. for 12 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 12 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 18 months and then 19.99% p.a. (1.50% balance transfer fee)

$99 $0 in the first year

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

294 Reviews

Recent Coles credit card reviews

Coles Credit Card review
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 26 days ago
Coles No Annual Fee Mastercard review
Overall 1/10
bad service

I applied the card with the flybuys bonus points, which never came. I called Flybuys and was told that i need to contact Coles card department. I then called card department and was told they can't do anything. And the quality of phone call was really bad with timing differences...hardly can hear it clearly. At the end neither party willing to do anything to help and just let the customer stuck there. Definitely disappointed at their services.

Read full review

I applied the card with the flybuys bonus points, which never came. I called Flybuys and was told that i need to contact Coles card department. I then called card department and was told they can't do anything. And the quality of phone call was really bad with timing differences...hardly can hear it clearly. At the end neither party willing to do anything to help and just let the customer stuck there. Definitely disappointed at their services.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Zhanxia, New South Wales, reviewed about 1 month ago
Coles Credit Card review
Overall 10/10
Coles MasterCard is great without an annual fee

I like Coles MasterCard because no annual fee. Coles car insurance is cheap. But Coles car insurance taking too long for my claim to process. Its been almost 3 weeks since my car involved in a car accident but they are still waiting for a quote from the smash repair. I am not happy with Coles Car Insurance at all. And won’t recommend Coles car insurance.

Read full review

I like Coles MasterCard because no annual fee. Coles car insurance is cheap. But Coles car insurance taking too long for my claim to process. Its been almost 3 weeks since my car involved in a car accident but they are still waiting for a quote from the smash repair. I am not happy with Coles Car Insurance at all. And won’t recommend Coles car insurance.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Jenny, New South Wales, reviewed about 2 months ago
Coles Rewards Mastercard review
Overall 1/10
Liar and misleading!

I had the worst experience with Coles financial services, awful company to deal with. I applied for two credit cards and did not get the points I was supposed to get. I escalated to manager and she showed no intention to help, now i am going to the financial ombudsman. Stay away from them, won't recommend them to anyone!

Read full review

I had the worst experience with Coles financial services, awful company to deal with. I applied for two credit cards and did not get the points I was supposed to get. I escalated to manager and she showed no intention to help, now i am going to the financial ombudsman. Stay away from them, won't recommend them to anyone!

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Md, Victoria, reviewed 3 months ago
Coles Rewards Mastercard review
Overall 10/10
Best credit card with rewards.

Had my credit card many years and no problems at all.

Read full review

Had my credit card many years and no problems at all.

Price
10/10
Features
10/10
Customer service
6/10
Convenience
10/10
Trust
10/10
Less
Tanya, Western Australia, reviewed 3 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