Coles credit card reviews

Coles
Coles's overall rating for credit cards

(as rated by the Mozo community)

6.8 / 10

based on 156 reviews

Price

Features

Customer service

Convenience

Trust

Featured credit card from Coles

Recent Coles credit card reviews

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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

Less

Greg (NSW), reviewed over 1 year ago

Coles

Coles No Annual Fee Mastercard credit card review

Overall rating   10 / 10

Low fees

Great customer service and low fees.

Full review

Great customer service and low fees.

    Price   10 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

Less

Roxana (QLD), reviewed over 1 year ago

Coles

Coles No Annual Fee Mastercard credit card 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

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

Less

Michael (QLD), reviewed over 1 year ago

Coles

Coles Low Rate Mastercard credit card 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 (VIC), reviewed almost 2 years ago

Coles

Coles No Annual Fee Mastercard credit card review

Overall rating   10 / 10

Very good service over the phone. Looked after us

Fantastic car insurance. Whenever I have any query, they are always very quick in response. Waiting time on the phone is also efficient. When I don't quite understand what they are saying, always very patience in explaining the full details to...

Full review

Fantastic car insurance. Whenever I have any query, they are always very quick in response. Waiting time on the phone is also efficient. When I don't quite understand what they are saying, always very patience in explaining the full details to me. There was one time when I went overseas and paid the wrong sum, they were happy to waive off the late fees and interest. Very good and understandable service.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Alvin (VIC), reviewed about 2 years ago

Coles

Coles No Annual Fee Mastercard credit card review

Overall rating   10 / 10

Great card

Great card

Full review

Great card

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Justine (NSW), reviewed about 2 years ago

Coles

Coles Rewards Mastercard credit card review

Overall rating   10 / 10

Best ever

Love the fact it linked in with flybuys

Full review

Love the fact it linked in with flybuys

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Patricia (QLD), reviewed about 2 years ago

Coles

Coles Rewards Mastercard credit card review

Overall rating   5 / 10

Use for rewards program & pay by due date

Pros: best and easiest rewards program, up to 30 days interest free, online access to account & statement. Cons: high interest charges plus excessive late charges. customer service is sometimes off shore - don't understand the accents.

Full review

Pros: best and easiest rewards program, up to 30 days interest free, online access to account & statement. Cons: high interest charges plus excessive late charges. customer service is sometimes off shore - don't understand the accents.

    Price   3 / 10

    Features   9 / 10

    Customer service   3 / 10

    Convenience   5 / 10

    Trust   3 / 10

Less

Tee (QLD), reviewed about 2 years ago

Coles

Coles No Annual Fee Mastercard credit card review

Overall rating   10 / 10

No annual fee ever. Means what it says.

At last I've found a credit card that does all it is advertised to do. No annual fees, low interest, very happy.

Full review

At last I've found a credit card that does all it is advertised to do. No annual fees, low interest, very happy.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   6 / 10

Less

Barbara (NSW), reviewed over 2 years ago

Coles

Coles Rewards Mastercard credit card review

Overall rating   6 / 10

Good service.

Trustworthy bank, but website not that user friendly.

Full review

Trustworthy bank, but website not that user friendly.

    Price   5 / 10

    Features   5 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   6 / 10

Less

Sam (SA), reviewed over 2 years ago

Coles

Coles No Annual Fee Mastercard credit card review

Overall rating   9 / 10

A credit card with no annual fees

High interest rates may not suit everyone. Ideal for low frequency user with good financial controls.

Full review

High interest rates may not suit everyone. Ideal for low frequency user with good financial controls.

    Price   7 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Colin (VIC), reviewed over 2 years ago

Coles

Coles Rewards Mastercard credit card review

Overall rating   7 / 10

Good offer

I like it because of the flybuys points offered which I can then redeem by buying in Coles supermarket

Full review

I like it because of the flybuys points offered which I can then redeem by buying in Coles supermarket

    Price   5 / 10

    Features   7 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   6 / 10

Less

Florinda (VIC), reviewed over 2 years ago

Coles

Coles Rewards Mastercard credit card review

Overall rating   9 / 10

Overall, a credit-card with which you are safe.

While the interest on the card is pretty much the same as any other credit-card, the company is so very careful with their security that I would not ever have a concern with them, I am sure. They have the best security team I have ever dealt with...

Full review

While the interest on the card is pretty much the same as any other credit-card, the company is so very careful with their security that I would not ever have a concern with them, I am sure. They have the best security team I have ever dealt with in regards to credit-cards.

    Price   8 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Gillian (QLD), reviewed over 2 years ago

Coles

Coles Rewards Mastercard credit card review

Overall rating   9 / 10

Down down deeper and down

Great rewards once built up.

Full review

Great rewards once built up.

    Price   8 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   7 / 10

Less

Sandra (VIC), reviewed over 2 years ago

Coles

Coles credit card review

Overall rating   9 / 10

No annual fee

I like that there is no annual fee on my card. Have to pay via bank transfer or at Target, would be handy if you could pay your credit card at Coles, Kmart or Liquorland.

Full review

I like that there is no annual fee on my card. Have to pay via bank transfer or at Target, would be handy if you could pay your credit card at Coles, Kmart or Liquorland.

    Price   6 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

Less

Darren (NSW), reviewed over 2 years ago

Coles

Coles credit card review

Overall rating   7 / 10

Stopped transactions when suspected fraud

LOVE the double fly buy points. Customer service very polite. Have also waived yearly fee.

Full review

LOVE the double fly buy points. Customer service very polite. Have also waived yearly fee.

    Price   5 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   6 / 10

    Trust   7 / 10

Less

Melissa (VIC), reviewed over 2 years ago

Coles

Coles Rewards Mastercard credit card review

Overall rating   9 / 10

Can't get any better than Coles! Great all rounder

Coles MasterCard is a wonderful and exciting addition to the competitive market of credit cards. Earning additional flybuys points is a positive incentive with each transaction made. Their easy to use online website to maintain and monitor your...

Full review

Coles MasterCard is a wonderful and exciting addition to the competitive market of credit cards. Earning additional flybuys points is a positive incentive with each transaction made. Their easy to use online website to maintain and monitor your credit card account is paramount!

    Price   9 / 10

    Features   10 / 10

    Customer service   8 / 10

    Convenience   10 / 10

    Trust   9 / 10

Less

Louisa (SA), reviewed almost 3 years ago

Coles

Coles credit card review

Overall rating   10 / 10

Easy to use

No annual fee.

Full review

No annual fee.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Chris (QLD), reviewed almost 3 years ago

Coles

Coles Rewards Mastercard credit card review

Overall rating   8 / 10

Points stack up for lovely rewards

The reward points are generous and the variety of rewards are good .

Full review

The reward points are generous and the variety of rewards are good .

    Price   7 / 10

    Features   9 / 10

    Customer service   5 / 10

    Convenience   4 / 10

    Trust   10 / 10

Less

Arup (VIC), reviewed almost 3 years ago

Coles

Coles Rewards Mastercard credit card review

Overall rating   9 / 10

A good service with Flybuys.

Pretty good service & I hope it will continue.

Full review

Pretty good service & I hope it will continue.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Ravi (VIC), reviewed almost 3 years ago

Coles

Coles No Annual Fee Mastercard credit card review

Overall rating   10 / 10

No annual fee

Saves me money.

Full review

Saves me money.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Tim (SA), reviewed almost 3 years ago

Coles

Coles No Annual Fee Mastercard credit card review

Overall rating   8 / 10

Great customer service. Good rewards high interest

Good if paid in full each month. Fly buys reward program good. Interest rates very high if unpaid monthly account.

Full review

Good if paid in full each month. Fly buys reward program good. Interest rates very high if unpaid monthly account.

    Price   0 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Trudy (NSW), reviewed almost 3 years ago

Coles

Coles Low Rate Mastercard credit card review

Overall rating   6 / 10

Not a credit card I would recommend. Too expensive

I took advantage of an interest free period, but would not recommend the Coles m/card.

Full review

I took advantage of an interest free period, but would not recommend the Coles m/card.

    Price   5 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   6 / 10

Less

Elizabeth (NSW), reviewed almost 3 years ago

Coles

Coles credit card review

Overall rating   3 / 10

Terrible insurance

Insurance is terrible, as well as one of the highest interest rates. Insurance cover is less than its monthly fee, let alone the monthly minimum. However it does provide FlyBuys which can quickly accumulate to spending $$ in store.

Full review

Insurance is terrible, as well as one of the highest interest rates. Insurance cover is less than its monthly fee, let alone the monthly minimum. However it does provide FlyBuys which can quickly accumulate to spending $$ in store.

    Price   2 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Rita (NSW), reviewed almost 3 years ago

Coles

Coles No Annual Fee Mastercard credit card review

Overall rating   8 / 10

Great benefits with no fee

Love the fact I got $50 off my shop for joining, it's now $100! I also love if you pay with your credit card and spend over $100 on your weekly shop, delivery is free. You also get flybuy points on everything you spend.

Full review

Love the fact I got $50 off my shop for joining, it's now $100! I also love if you pay with your credit card and spend over $100 on your weekly shop, delivery is free. You also get flybuy points on everything you spend.

    Price   5 / 10

    Features   9 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   10 / 10

Less

Karen (QLD), reviewed almost 3 years ago

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Credit card comparisons on Mozo - rates updated daily

  • Citi Platinum (Bonus Points Offer)

    Citi Platinum (Bonus Points Offer)

    • Get your life moving with 0% p.a. for 24 months on balance transfers (1.5% BT fee applies)
    • A reduced annual fee of $49 in the first year ($149 thereafter)
    • 1 point per $1 spend on eligible Domestic Spend (up to $10,000 per statement period)

    balance transfer rate

    0% p.a. for 15 months and then 21.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.99% p.a.

    annual fee

    $149 $49 in the first year

    Go to site

    More info

    • Get your life moving with 0% p.a. for 24 months on balance transfers (1.5% BT fee applies)
    • A reduced annual fee of $49 in the first year ($149 thereafter)
    • 1 point per $1 spend on eligible Domestic Spend (up to $10,000 per statement period)
    • Balance transfer rate: 0% p.a. for 15 months and then 21.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $149 $49 in the first year
    • Purchase rate: 20.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74% 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

    5.7

    Based on 379 Citi credit card reviews

    Need more information?
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  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 75,000 bonus Qantas Points and $200 back to your new ANZ Frequent Flyer Black card when you make one eligible purchase in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
    • Mozo Experts Choice award 2017
    • Available with Apple Pay

    balance transfer rate

    No current offer

    purchase rate

    19.99% p.a.

    annual fee

    $425

    Go to site

    More info

    • 75,000 bonus Qantas Points and $200 back to your new ANZ Frequent Flyer Black card when you make one eligible purchase in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
    • Mozo Experts Choice award 2017
    • Available with Apple Pay
    • Balance transfer rate: No current offer
    • Annual fee: $425
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.9

    Based on 1932 ANZ credit card reviews

    Need more information?
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  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Qantas Ultimate Card

    American Express Qantas Ultimate Card

    • Receive 55,000 bonus Qantas Points (T&Cs apply)
    • Earn 1.5 Qantas Points per $1 spent on eligible purchases
    • Complimentary domestic and international travel insurance

    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

    $450

    Go to site

    More info

    • Receive 55,000 bonus Qantas Points (T&Cs apply)
    • Earn 1.5 Qantas Points per $1 spent on eligible purchases
    • Complimentary domestic and international travel insurance
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $450
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

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  • Featured product

     

    Suncorp Clear Options Platinum (Suncorp Rewards)

    Suncorp Clear Options Platinum (Suncorp Rewards)

    • 0% p.a. for 18 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 18 months and then 21.99% p.a.

    purchase rate

    20.74% p.a.

    annual fee

    $129

    Go to site

    More info

    • 0% p.a. for 18 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 18 months and then 21.99% p.a.
    • Annual fee: $129
    • Purchase rate: 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

    7.0

    Based on 138 Suncorp credit card reviews

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  • HSBC Platinum Credit Card

    HSBC Platinum Credit Card

    • 0% p.a. on balance transfers for 22 months. Conditions apply
    • Offer available to new customers who apply by 31 December 2017
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases

    balance transfer rate

    0% p.a. for 22 months and then 21.99% p.a. (2.00% balance transfer fee)

    purchase rate

    19.99% p.a.

    annual fee

    $129 Refunded when you spend over $6,000 p.a, $0 in the first year

    Go to site

    More info

    • 0% p.a. on balance transfers for 22 months. Conditions apply
    • Offer available to new customers who apply by 31 December 2017
    • Earn 1 Rewards Point on every dollar you spend on eligible purchases
    • Balance transfer rate: 0% p.a. for 22 months and then 21.99% p.a. (2.00% balance transfer fee)
    • Annual fee: $129 Refunded when you spend over $6,000 p.a, $0 in the first year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, min $4.00
    • Rewards description: Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    5.5

    Based on 139 HSBC credit card reviews

    Need more information?
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Want more? Compare all 217 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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