The new Coles Low Rate Mastercard combines a Mastercard and a flybuys card into one very convenient piece of plastic, with a low rate of 12.99% on regular purchases (19.99% cash advance rate) with 0% p.a. on balance transfers for 6 months. It also has a rewards scheme where you can earn 1 flybuys point per $2 you spend on the card at Coles Supermarkets.
Itâs not only the competitive purchase rate and low $58 annual fee that makes this credit card attractive, there's also a tonne of points earning potential and convenience on offer.
The Coles Low Rate Mastercard card is linked to the Coles flybuys scheme so you'll earn 1 flybuys points per $2 you spend at Coles Supermarkets. Plus when you scan your flybuys barcode youâll also earn normal flybuys points (1 point for every $1 spent) helping you to clock up rewards faster. Every time you redeem 2000 flybuys points at the checkout you get $10 off your shop instantly.
Tech savvy cardholders can also use the Coles Mobile Wallet App to view and activate flybuys offers on their phone, plus keep track of spending.
The Coles Low Rate Mastercard is an ideal credit card for the loyal Coles shopper who is looking for a low rate card and the opportunity to rack up some rewards on their weekly supermarket trip.
You can only get $10 off your shop when you redeem 2,000 flybuys point at the supermarket checkout, it does not apply to Coles Express or Coles Online.
Set up automated repayments on the due date or you could be up for a $30 late payment fee. There is also a $2.25 fee when you pay your account at Australia Post and youâll be charged $2.00 for every paper credit card statement you receive - so avoid this fee by opting to receive your statements and make payments online.
12.99% p.a.
none
0% p.a. for 6 months and then 19.99% p.a.
yes
19.99% p.a.
55
$58.00
none
none
none
$30.00
3%, Min $1.95
2.50%
$2.00
$0.00
$0.00
$30.00
2.0
4
See Coles Credit Cards website for a full list of fees and charges
Apple Pay, Samsung Pay, PayTag
Concierge
Collect 1 flybuys point per $2 you spend at Coles Supermarkets.
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, canât see any statement or any transaction. Theyâll only send me a notice when my account is overdue, the thing is life is so busy I canât have a track of whatâs 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 whatâs 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 wonât be using them again anymore. I donât recommend Coles Credit Card at all, better you guys look for somewhere else where youâre able to see your transaction online and where thereâs transparency.
Read full reviewLow rate credit card but very low on customer service and not transparent. For more than two years now, still not able to register online, canât see any statement or any transaction. Theyâll only send me a notice when my account is overdue, the thing is life is so busy I canât have a track of whatâs 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 whatâs 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 wonât be using them again anymore. I donât recommend Coles Credit Card at all, better you guys look for somewhere else where youâre able to see your transaction online and where thereâs transparency.
Appalling. Not transparent and complicated. Stay clear!
Read full reviewAppalling. Not transparent and complicated. Stay clear!
Through years I have used many credit cards but I would never ever use it again I wouldn't recommend it to anyone I know as they are not transparent and dishonest.
Read full reviewThrough years I have used many credit cards but I would never ever use it again I wouldn't recommend it to anyone I know as they are not transparent and dishonest.
Not trustworthy. I would not advise thise credit card to anyone.
Read full reviewNot trustworthy. I would not advise thise credit card to anyone.
Making BPAY payments to the account takes too long, up to 4 days where as most other banks are instant. Furthermore, you do not have the option to reduce your card limit online and have to call customer service with poor English-language.
Read full reviewMaking BPAY payments to the account takes too long, up to 4 days where as most other banks are instant. Furthermore, you do not have the option to reduce your card limit online and have to call customer service with poor English-language.
The Coles Mastercards are part of the Coles Group, owners of the well-known Australian Coles supermarkets. These cards offer a wide range of savings and rewards on everyday purchases.
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CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
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St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
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Bankwest
Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months and then 17.99% p.a.
$0
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13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
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CUA
Platinum Credit Card
19.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$149 $0 in the first year
CUA Platinum Rewards
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American Express
Qantas Discovery Card
20.74% p.a.
No current offer
$0
Qantas Frequent Flyer
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Bank of Melbourne
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
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St.George
Amplify Platinum
Qantas Frequent Flyer
$99
60,000
0.5 points uncapped
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Westpac
Altitude Platinum
Qantas Frequent Flyer
$200 $99 in the first year
60,000
0.5 points uncapped
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NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
30,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
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Westpac
Altitude Black
Altitude Rewards
$250
150,000
1.25 points uncapped
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American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
55,000
1.25 points uncapped
Promoted
David Jones
American Express Card
Membership Rewards
$99
15,000
1 point uncapped
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St.George
Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
Promoted
CUA
Low Rate Credit Card
0% p.a. for 13 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
Promoted
Bankwest
Zero Platinum Mastercard
2.99% p.a. for 9 months and then 17.99% p.a.
17.99% p.a.
$0
Promoted
Westpac
Low Rate
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
Promoted
Citi
Clear Credit Card
0.90% p.a. for 15 months and then 22.24% p.a.
0.90% p.a. for 15 months then 14.99% p.a.
$99
Promoted
CUA
Platinum Credit Card
0% p.a. for 13 months and then 21.74% p.a.
19.99% p.a.
$149 $0 in the first year
CUA Platinum Rewards
Promoted
NAB
Low Rate Card
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59
Promoted
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
Promoted
St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
Westpac
Low Rate
13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Promoted
Citi
Clear Credit Card
0.90% p.a. for 15 months then 14.99% p.a.
0.90% p.a. for 15 months and then 22.24% p.a.
$99
Promoted
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 12.99% p.a.
2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)
$79
Promoted
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
Promoted
St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 12.99% p.a.
2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)
$79
Promoted
St.George
Vertigo Platinum
0% p.a. for 15 months then 12.99% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$99 $49 in the first year
Promoted
Citi
Clear Credit Card
0.90% p.a. for 15 months then 14.99% p.a.
0.90% p.a. for 15 months and then 22.24% p.a.
$99
Promoted
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
