Coles credit cards

Coles
Coles's overall rating for credit cards

(as rated by the Mozo community)

6.8 / 10

based on 156 reviews

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.

Rates and fees verified as correct at 05 December, 2016. Other information correct at the time of writing.

What credit cards do Coles offer?

Take a look at the different types of credit cards that Coles has to offer:

Low rate credit cards 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 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  

12.99% p.a.

0% p.a. for 6 months

$49

62

Go to site

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Low fee credit cards 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 everyday spend 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  

12.99% p.a.

0% p.a. for 6 months

$49

62

Go to site

0% p.a. for 15 months then 19.99% p.a.

0% p.a. for 6 months

$0

62

Go to site

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Rewards credit cards Rewards credit cards

With a Coles Rewards Credit Card, you’ll not only earn reward points for every dollar you spend, you’ll also have access to other benefits like complimentary access to 24/7 worldwide concierge service as well as Merchandise 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 15 months then 19.99% p.a.

0% p.a. for 6 months

$0

Go to site

2 points per dollar on MasterCard, uncapped

19.99% p.a.

0% p.a. for 6 months

$89

Go to site

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Coles credit card features in a glance

Interest free daysInterest free days

Coles Credit Cards come with up to 62 interest free days on purchases when you pay your full balance off each month. Interest free days refer to the maximum duration from the first day of your statement to the payment due date. To avoid paying interest on the purchases balance, you should always try to pay the full closing balance shown on every account statement by the due date.

Card securityCard security

Coles Credit Cards are protected round the clock by the Coles Shield, which comprises three layers of defence - technology, action and reliability. The Falcon fraud management system detects any unusual activity on your card and alerts the security experts. In case any dubious activity is observed on your card, you will be immediately notified by SMS or phone. For added peace of mind, the Fraud Money Back Guarantee ensures that if there’s a fraudulent transaction on your Coles Credit Card, you won’t be held liable.

Tap and go Tap and go

You can make contactless payments with your Coles Credit Card, which won’t need you to swipe, sign or enter your PIN when making purchases under $100. All you need to do is hold your Coles Credit Card to the reader for a quick and easy transaction.

Online bankingOnline banking

Signing up for Internet banking with a Coles Credit Card is quite a simple process. You just need to go to the Coles Credit Cards website and register for online services. This should hardly take a few minutes, however, in case you need help you can also call customer care for further support. Once you’ve registered, you should be able view statements, transfer money, pay your bills and change your credit limit online.    

Coles Credit Card appColes Credit Card app

The Coles Credit Card app is a mobile banking and loyalty app that lets you manage your credit card account, track your account balance and access transaction history. You can also view your flybuys points balance and activate exclusive flybuys offers with the Coles Credit Card app.

Coles Pay Tag Coles Pay Tag

A Coles Pay Tag is a mini credit card sticker and flybuys barcode combined into one. You can stick the tag to the back of your smartphone and use it for making purchases with your phone. It will give you the same functionality as PayPass on your Coles MasterCard, and let you make quick and easy payments using your phone anywhere you see the PayPass symbol. By scanning the barcode on your pay tag, you can also collect flybuys points at Coles’ retail partners.

Additional cardholderAdditional cardholder

Coles Financial Services lets you add a close friend or family member as an additional cardholder who is allowed to make purchases on your Coles Credit Card account. They can be issued with a card of their own to make these transactions, which would be reflected on your statement. Do remember that while additional cardholders can charge their purchases to your Coles Credit Card account, you will still need to meet the repayment obligations.

How are Coles credit cards rated?

Wonder how Coles Credit Cards stack up against the competition? Check out how the Mozo community has rated Coles Credit Cards on price, features, convenience and customer service.

Coles credit cards

Overall 6.8*

Price

Features

Customer service

Convenience

Trust

156 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Coles credit card reviews Recent Coles credit card reviews

Coles

Coles Low Rate MasterCard credit card review

Overall rating   9 / 10

Convenient

Love it!

Full review

Love it!

    Price   7 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Marica (VIC), reviewed 4 months ago

Coles

Coles No Annual Fee MasterCard credit card review

Overall rating   10 / 10

Very good service over the phone. Looked after us

Fantastic car insurance. Whenever I have any query, they are always very quick in response. Waiting time on the phone is also efficient. When I don't quite understand what they are saying, always very patience in explaining the full details to...

Full review

Fantastic car insurance. Whenever I have any query, they are always very quick in response. Waiting time on the phone is also efficient. When I don't quite understand what they are saying, always very patience in explaining the full details to me. There was one time when I went overseas and paid the wrong sum, they were happy to waive off the late fees and interest. Very good and understandable service.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Alvin (VIC), reviewed 7 months ago

Coles

Coles No Annual Fee MasterCard credit card review

Overall rating   10 / 10

Great card

Great card

Full review

Great card

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Justine (NSW), reviewed 8 months ago

Coles

Coles Rewards MasterCard credit card review

Overall rating   10 / 10

Best ever

Love the fact it linked in with flybuys

Full review

Love the fact it linked in with flybuys

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Patricia (QLD), reviewed 8 months ago

Coles

Coles Rewards MasterCard credit card review

Overall rating   5 / 10

Use for rewards program & pay by due date

Pros: best and easiest rewards program, up to 30 days interest free, online access to account & statement. Cons: high interest charges plus excessive late charges. customer service is sometimes off shore - don't understand the accents.

Full review

Pros: best and easiest rewards program, up to 30 days interest free, online access to account & statement. Cons: high interest charges plus excessive late charges. customer service is sometimes off shore - don't understand the accents.

    Price   3 / 10

    Features   9 / 10

    Customer service   3 / 10

    Convenience   5 / 10

    Trust   3 / 10

Less

Tee (QLD), reviewed 9 months ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a Coles credit card? 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.

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