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Coles credit card reviews

Coles
Coles's overall rating for credit cards

(as rated by the Mozo community)

6.7 / 10

based on 266 reviews

Price

Features

Customer service

Convenience

Trust

Featured credit card from Coles

Recent Coles credit card reviews

Coles

Coles No Annual Fee Mastercard No Annual Fee Mastercard review

Overall rating   8 / 10

No annual fee.

I like the no annual fee and Flybuy points.

Full review

I like the no annual fee and Flybuy points.

    Price   9 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Sharne, Queensland, reviewed 4 days ago

Coles

Coles Low Rate Mastercard Low Rate Mastercard review

Overall rating   0 / 10

Not the best product.

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.

Full review

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.

    Price   10 / 10

    Features   10 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

Less

Emma, New South Wales, reviewed 4 days ago

Coles

Coles Rewards Mastercard Rewards Mastercard review

Overall rating   7 / 10

A reliable, feature-rich card that can be of value

A quick way to ensure you get some points just by doing your shopping and buying your fuel at Coles. It had a 0.0% balance transfer feature when I got it, as well as a long interest free period for purchases, so the features made this really...

Full review

A quick way to ensure you get some points just by doing your shopping and buying your fuel at Coles. It had a 0.0% balance transfer feature when I got it, as well as a long interest free period for purchases, so the features made this really worthwhile for a period of time.

    Price   7 / 10

    Features   9 / 10

    Customer service   3 / 10

    Convenience   7 / 10

    Trust   9 / 10

Less

Nathan, Victoria, reviewed 20 days ago

Coles

Coles Rewards Mastercard Rewards Mastercard review

Overall rating   8 / 10

Fabulous customer service and great benefits.

Great customer service over the phone, easy to deal with. Fantastic Flybuys rewards which i use like a Xmas club saver and buy vouchers at Christmas time for all my Christmas shopping!

Full review

Great customer service over the phone, easy to deal with. Fantastic Flybuys rewards which i use like a Xmas club saver and buy vouchers at Christmas time for all my Christmas shopping!

    Price   7 / 10

    Features   10 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   10 / 10

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Amy, Victoria, reviewed 20 days ago

Coles

Coles Rewards Mastercard Rewards Mastercard review

Overall rating   8 / 10

Great product with friendly customer service reps.

Love my rewards mastercard and the customer service is friendly and informative.

Full review

Love my rewards mastercard and the customer service is friendly and informative.

    Price   4 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   8 / 10

    Trust   7 / 10

Less

Dez, Victoria, reviewed 20 days ago

Coles

Coles No Annual Fee Mastercard No Annual Fee Mastercard review

Overall rating   7 / 10

Good. Linked to fly buys so I can get rewards.

The interest rate is high but if one pays the due sum on time no interest is payable on purchases.

Full review

The interest rate is high but if one pays the due sum on time no interest is payable on purchases.

    Price   3 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   8 / 10

    Trust   7 / 10

Less

Frank, Victoria, reviewed 23 days ago

Coles

Coles No Annual Fee Mastercard No Annual Fee Mastercard review

Overall rating   10 / 10

Perfect.

Coles Mastercard helps me to earn points that can be used as discount.

Full review

Coles Mastercard helps me to earn points that can be used as discount.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Melanie, Victoria, reviewed about 1 month ago

Coles

Coles Low Rate Mastercard Low Rate Mastercard review

Overall rating   8 / 10

Good card.

This is a good card with lots of flybuys points.

Full review

This is a good card with lots of flybuys points.

    Price   9 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   9 / 10

Less

Lindsay, Queensland, reviewed about 1 month ago

Coles

Coles Low Rate Mastercard Low Rate Mastercard review

Overall rating   10 / 10

Easy to use.

Have been using for years. it's great for points when you shop at Coles.

Full review

Have been using for years. it's great for points when you shop at Coles.

    Price   6 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Laura, South Australia, reviewed about 1 month ago

Coles

Coles Credit Card review

Overall rating   7 / 10

Good loyalty program.

Like all credit cards, the interest rates are outrageous. Otherwise they are as good as the major players.

Full review

Like all credit cards, the interest rates are outrageous. Otherwise they are as good as the major players.

    Features   7 / 10

    Customer service   7 / 10

    Convenience   10 / 10

    Trust   8 / 10

Less

Lawrence, Victoria, reviewed about 1 month ago

Coles

Coles Rewards Mastercard Rewards Mastercard review

Overall rating   10 / 10

Great rewards

Can use this card basically anywhere, but can't get rewards for every purchase that you make.

Full review

Can use this card basically anywhere, but can't get rewards for every purchase that you make.

    Price   7 / 10

Less

Fiona, Queensland, reviewed almost 3 years ago

Coles

Coles Credit Card review

Overall rating   9 / 10

Competitive low fixed rate

Cheap, low fixed rate and friendly staff service.

Full review

Cheap, low fixed rate and friendly staff service.

    Price   9 / 10

Less

Greg, New South Wales, reviewed almost 3 years ago

Coles

Coles No Annual Fee Mastercard No Annual Fee Mastercard review

Overall rating   10 / 10

Low fees

Great customer service and low fees.

Full review

Great customer service and low fees.

    Price   10 / 10

Less

Roxana, Queensland, reviewed almost 3 years ago

Coles

Coles No Annual Fee Mastercard No Annual Fee Mastercard review

Overall rating   8 / 10

I've had no issues with Coles

They have always been good to deal with and I've never had any problems.

Full review

They have always been good to deal with and I've never had any problems.

    Price   5 / 10

Less

Michael, Queensland, reviewed almost 3 years ago

Coles

Coles Low Rate Mastercard Low Rate Mastercard review

Overall rating   9 / 10

Convenient

Love it!

Full review

Love it!

    Price   7 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Marica, Victoria, reviewed over 3 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Credit card comparisons on Mozo - rates updated daily

  • Citi Platinum - Balance Transfer Offer

    Citi Platinum - Balance Transfer Offer

    • 0% per annum for 26 months on purchases and balance transfers
    • No Annual Fee for the first year then $199 each year after.
    • Complimentary International Travel Insurance

    balance transfer rate

    0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)

    purchase rate

    21.49% p.a.

    annual fee

    $149 $49 in the first year

    Go to site

    More info

    • 0% per annum for 26 months on purchases and balance transfers
    • No Annual Fee for the first year then $199 each year after.
    • Complimentary International Travel Insurance
    • Balance transfer rate: 0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)
    • Annual fee: $149 $49 in the first year
    • Purchase rate: 21.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 22.24% p.a.
    • Fee for cash withdrawals: 3.5%, min $3.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
    Overall rating

    5.2

    Based on 1263 Citi credit card reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    American Express Velocity Platinum Card

    American Express Velocity Platinum Card

    • 0.0% p.a. on balance transfers for the first 12 months
    • Receive 100,000 bonus Velocity Points when you apply online by 12 February 2020, are approved and spend $3,000 on your new Card within the first 3 months.
    • Enjoy 2 complimentary Virgin Australia lounge passes each anniversary year at selected domestic airports

    balance transfer rate

    0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $375

    Go to site

    More info

    • 0.0% p.a. on balance transfers for the first 12 months
    • Receive 100,000 bonus Velocity Points when you apply online by 12 February 2020, are approved and spend $3,000 on your new Card within the first 3 months.
    • Enjoy 2 complimentary Virgin Australia lounge passes each anniversary year at selected domestic airports
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $375
    • Purchase rate: 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Points automatically transferred to your Velocity account
    Overall rating

    6.6

    Based on 873 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • NAB Low Rate Card

    NAB Low Rate Card

    • 0% purchase rate for the first 6 months
    • Up to 55 days interest free on purchases
    • Secure online application and fast response

    balance transfer rate

    0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

    purchase rate

    0% p.a. for 6 months then 13.99% p.a.

    annual fee

    $59

    Go to site

    More info

    • 0% purchase rate for the first 6 months
    • Up to 55 days interest free on purchases
    • Secure online application and fast response
    • Balance transfer rate: 0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
    • Annual fee: $59
    • Purchase rate: 0% p.a. for 6 months then 13.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    6.7

    Based on 4197 NAB credit card reviews

    Need more information?
    Go to site

    More info

  • Suncorp Clear Options Platinum (Suncorp Rewards)

    Suncorp Clear Options Platinum (Suncorp Rewards)

    • 0% p.a. for 14 months on balance transfers
    • 3x Reward Points on everyday Eligible Transactions in the first 6 months (T&Cs apply)
    • Up to 55 days interest free on retail purchases (T&Cs apply)

    balance transfer rate

    0% p.a. for 14 months and then 21.99% p.a.

    purchase rate

    0% p.a. for 14 months then 20.74% p.a.

    annual fee

    $129 $49 in the first year

    Go to site

    More info

    • 0% p.a. for 14 months on balance transfers
    • 3x Reward Points on everyday Eligible Transactions in the first 6 months (T&Cs apply)
    • Up to 55 days interest free on retail purchases (T&Cs apply)
    • Balance transfer rate: 0% p.a. for 14 months and then 21.99% p.a.
    • Annual fee: $129 $49 in the first year
    • Purchase rate: 0% p.a. for 14 months then 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3.50%, min $3.50
    • Rewards description: Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    6.6

    Based on 418 Suncorp credit card reviews

    Need more information?
    Go to site

    More info

  • Citi Platinum - Purchase Rate Offer

    Citi Platinum - Purchase Rate Offer

    • Low Annual Fee at $49 for the first year then $149 each year after.
    • 0% per annum for 13 months on purchases and balance transfers.
    • Complimentary International Travel Insurance.

    balance transfer rate

    0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)

    purchase rate

    0% p.a. for 13 months then 21.49% p.a.

    annual fee

    $149 $49 in the first year

    Go to site

    More info

    • Low Annual Fee at $49 for the first year then $149 each year after.
    • 0% per annum for 13 months on purchases and balance transfers.
    • Complimentary International Travel Insurance.
    • Balance transfer rate: 0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)
    • Annual fee: $149 $49 in the first year
    • Purchase rate: 0% p.a. for 13 months then 21.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 22.24% p.a.
    • Fee for cash withdrawals: 3.5%, min $3.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
    Overall rating

    5.2

    Based on 1263 Citi credit card reviews

    Need more information?
    Go to site

    More info

**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.

Want more? Compare all 226 credit cards in the Mozo comparison engine.

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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.

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