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.
It’s 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 you’ll 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 you’ll 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.
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.
This is a good card with lots of flybuys points.
Read full reviewThis is a good card with lots of flybuys points.
Have been using for years. it's great for points when you shop at Coles.
Read full reviewHave been using for years. it's great for points when you shop at Coles.
Love it!
Read full reviewThe 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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