Coles credit cards

Coles Credit Cards come with up to 55 interest free days on purchases when you pay your full balance off for two consecutive months. If you don't pay your bill in full by the due date, you'll be charged interest from the day you made the purchase - so to avoid paying interest on your spending, you should always try to pay the full closing balance shown on every account statement by the due date. This interest free period also doesn't apply to cash advances or balance transfers.

Coles Credit Cards are protected round the clock by the Coles Shield, which comprises three layers of defence - technology, action and reliability. The technology fraud management system indentifies any unusual activity on your card and alerts the security experts. If any dubious activity is observed on your card, you will be immediately notified by 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, as long as you've let Coles know about any problems ASAP and followed the rest of the terms and conditions.

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.

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 the Online Service Centre. This should hardly take a few minutes, however, in case you need help you can also call customer support for further help. Once you’ve registered, you should be able view statements, transfer money and pay your bills online.    

The Coles Mobile Wallet app lets you manage your credit card account, track your account balance, access your transaction history and view your flybuys points balance.

Coles Financial Services lets you add a close friend or family member as an additional cardholder who, for a small fee, 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.