7.2/10

Based on 1189 Coles product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

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.

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 11 September 2024. 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

13.49% p.a.

0% p.a. for 15 months and then 20.74% p.a. (1.50% balance transfer fee)

$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

13.49% p.a.

0% p.a. for 15 months and then 20.74% p.a. (1.50% balance transfer fee)

$58

55

20.74% 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, up to $5,000 per month

20.74% 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, up to $8,000 per month

20.74% p.a.

0% p.a. for 6 months and then 20.74% p.a.

$99

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 customer reviews
Overall
6.2/10
Price
5.8/10
Features
6.4/10
Customer service
5.9/10
Convenience
6.5/10
Trust
6.2/10
Based on 324 Coles product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Recent Coles credit card reviews

Coles No Annual Fee Mastercard
Overall 1/10
really shit, god help anyone who has one

The application process is so bad and the overseas help desks in India and the Phillipines are even worse. If you want to waste an inordinate amount of time attempting to apply and then give your all personal details to a poorly paid help desk worker in another hemisphere this is the card for you.

Read full review

The application process is so bad and the overseas help desks in India and the Phillipines are even worse. If you want to waste an inordinate amount of time attempting to apply and then give your all personal details to a poorly paid help desk worker in another hemisphere this is the card for you.

Price
4/10
Features
4/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Matt, New South Wales, reviewed 14 days ago
Coles No Annual Fee Mastercard
Overall 5/10
Coles Annual fee MasterCard is great , 55 days int

Coles Annual fee MasterCard is great

Read full review

Coles Annual fee MasterCard is great

Price
5/10
Features
5/10
Customer service
5/10
Convenience
5/10
Trust
5/10
Less
Helen, New South Wales, reviewed 29 days ago
Coles No Annual Fee Mastercard
Overall 9/10
Great card for all my life choices.

I really like my Coles Mastercard. It always lets me know about big transactions. it worked really well when i was overseas. I would highly recommend this card to my friends.

Read full review

I really like my Coles Mastercard. It always lets me know about big transactions. it worked really well when i was overseas. I would highly recommend this card to my friends.

Price
9/10
Features
10/10
Customer service
9/10
Convenience
10/10
Trust
10/10
Less
Karina, Western Australia, reviewed about 1 month ago
Coles Credit Card
Overall 7/10
A very convenient card with low fees

For me, one of the standout features of the Coles Credit Card is its low fees. This includes annual fees, transaction fees, and overseas usage fees, so I like to use it when I travel. I also have a low limit of $2000 which is easy to pay. With the wallet app I can easily manage my transactions, track spending, and make payments on the go. They also have pretty good security with pins, messaging when transaction over $100 and also asking for 2FA. While the Coles Credit Card excels in affordability and convenience, its customer service is not so great. I feel this across the board. Slow response times and unhelpful assistance are common, which can be frustrating. Overall think this is a great card and I have used it for years.

Read full review

For me, one of the standout features of the Coles Credit Card is its low fees. This includes annual fees, transaction fees, and overseas usage fees, so I like to use it when I travel. I also have a low limit of $2000 which is easy to pay. With the wallet app I can easily manage my transactions, track spending, and make payments on the go. They also have pretty good security with pins, messaging when transaction over $100 and also asking for 2FA. While the Coles Credit Card excels in affordability and convenience, its customer service is not so great. I feel this across the board. Slow response times and unhelpful assistance are common, which can be frustrating. Overall think this is a great card and I have used it for years.

Price
10/10
Features
8/10
Customer service
5/10
Convenience
8/10
Trust
7/10
Less
Bianca, New South Wales, reviewed 6 months ago
Coles No Annual Fee Mastercard
Overall 8/10
More Pros than Cons

I have been using my Coles Credit Card for nearly 2 years. I collect Coles Flybuys points every time I use it no matter where I use it (yes even at Woolworths). I like the convenience of my Flybuys Number on the reverse of this card. Plus no annual service fee. The only Cons are the lack of receiving a monthly statement and customer service team is overseas based.

Read full review

I have been using my Coles Credit Card for nearly 2 years. I collect Coles Flybuys points every time I use it no matter where I use it (yes even at Woolworths). I like the convenience of my Flybuys Number on the reverse of this card. Plus no annual service fee. The only Cons are the lack of receiving a monthly statement and customer service team is overseas based.

Price
10/10
Features
10/10
Customer service
2/10
Convenience
5/10
Trust
8/10
Less
Glenda, Queensland, reviewed 6 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