Coles credit cards

Coles
Coles's overall rating for credit cards

(as rated by the Mozo community)

6.5 / 10

based on 283 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.

And, in 2019, Coles even took out a Mozo Experts Choice Travel Money Award in the best Travel Credit Card category.

Rates and fees verified as correct at 28 September, 2020. 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 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


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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 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

19.99% p.a.

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

$0

55


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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 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

19.99% p.a.

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

$0

2 points 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


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**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.

Coles credit card features in a glance

Interest free daysInterest free days

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.

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 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.

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 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.    

Coles Mobile Wallet appColes Mobile Wallet app

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.

Additional cardholderAdditional cardholder

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.

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.

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Overall 6.5

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Trust

283 Reviews

Recent Coles credit card reviews Recent Coles credit card reviews

Coles

Coles Rewards Mastercard review

Overall rating   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...

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

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Inez, Victoria, reviewed 17 days ago

Coles

Coles Credit Card review

Overall rating   2 / 10

A scroogish approach for customer of 50 years.

After being with them since the late seventies I reported some transactions that weren't mine yet I got no reply. I just kept getting billed for them and getting follow up letters when I didn't pay the full amount and the card was stopped. They've...

Full review

After being with them since the late seventies I reported some transactions that weren't mine yet I got no reply. I just kept getting billed for them and getting follow up letters when I didn't pay the full amount and the card was stopped. They've made at least $100,000 out of me yet act like this over somebody doing 2500 of fraudulent transactions.

    Price   2 / 10

    Features   2 / 10

    Customer service   2 / 10

    Convenience   2 / 10

    Trust   2 / 10

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Allan, New South Wales, reviewed 17 days ago

Coles

Coles No Annual Fee Mastercard review

Overall rating   1 / 10

Exploit people on credit rating.

I made one of the biggest mistakes in getting a Coles credit card. They are the worst ever service I have ever used. Their verification team can torture you anytime whenever they want. First they will approve your application and send you a...

Full review

I made one of the biggest mistakes in getting a Coles credit card. They are the worst ever service I have ever used. Their verification team can torture you anytime whenever they want. First they will approve your application and send you a message that you will receive a credit card soon. This will be marked in your credit history file now. And they start exploiting this point. After your application is approved their verification team will call you daily and ask for very niche and personal documents and they even want access to your job's manager and HR dept as well. And as a threat they say "This will impact your credit history if you don't do it now". Once you get the credit card you activate it but they then block it for further verifcations. And you have to call them time and time again to get it reactivated. Every time you call a new person it's a new story and another 24 hours. Someone who is concerned and doesn't want to mess his credit file history should never opt this service.

    Price   1 / 10

    Features   1 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   1 / 10

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Muhammad, Victoria, reviewed 24 days ago

Coles

Coles No Annual Fee Mastercard review

Overall rating   7 / 10

Excellent no annual fee credit card

I love the fact that there is no annual fee. Also the fact that it is linked to the Flybuys account so you can accumulate faster. I also love the look of the card as well, great colour choice. The only downside would be the interest charged,...

Full review

I love the fact that there is no annual fee. Also the fact that it is linked to the Flybuys account so you can accumulate faster. I also love the look of the card as well, great colour choice. The only downside would be the interest charged, but with all credit cards if you don't pay on time you will be charged a hefty interest fee.

    Price   8 / 10

    Features   9 / 10

    Customer service   8 / 10

    Convenience   10 / 10

    Trust   8 / 10

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Susannah, Victoria, reviewed about 1 month ago

Coles

Coles Low Rate Mastercard review

Overall rating   1 / 10

Won’t recommend this, better use others

Low rate credit card but very low on customer service and not transparent. For more than two years now, still not able to register online, can’t see any statement or any transaction. They’ll only send me a notice when my account is overdue, the...

Full review

Low rate credit card but very low on customer service and not transparent. For more than two years now, still not able to register online, can’t see any statement or any transaction. They’ll only send me a notice when my account is overdue, the thing is life is so busy I can’t have a track of what’s going on in that account. I even stopped using it for a long time. Called them many times and every time nobody can help me just to register my account online, so I can have access and be able to see what’s going on in my account. Will be closing that card very soon, been thinking about it for a long time but keep forgetting to deal with it. And won’t be using them again anymore. I don’t recommend Coles Credit Card at all, better you guys look for somewhere else where you’re able to see your transaction online and where there’s transparency.

    Price   1 / 10

    Features   1 / 10

    Customer service   1 / 10

    Convenience   1 / 10

    Trust   1 / 10

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Daisy, New South Wales, reviewed about 2 months ago

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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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