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 about 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 about 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

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Michael (QLD), reviewed about 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

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Marica (VIC), reviewed over 1 year 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 almost 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

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Justine (NSW), reviewed almost 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 almost 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 almost 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 almost 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 about 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 about 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 about 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 about 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 over 2 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 over 2 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 over 2 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 over 2 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 over 2 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 over 2 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 over 2 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 over 2 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 over 2 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

  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Explorer® Credit Card

    American Express Explorer® Credit Card

    • Receive 100,000 Membership Rewards® Points (T&Cs apply)
    • $400 in Travel Credit each year
    • Up to 2 Membership Rewards points per $1 spent

    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

    $395

    Go to site

    More info

    • Receive 100,000 Membership Rewards® Points (T&Cs apply)
    • $400 in Travel Credit each year
    • Up to 2 Membership Rewards points per $1 spent
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $395
    • Purchase rate: 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

    Need more information?
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  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • 75 bonus Status Credits when you buy and fly return with Qantas by 31 May 2018. Apply and be approved by 24 Jan 2018

    balance transfer rate

    No current offer

    purchase rate

    19.99% p.a.

    annual fee

    $425 $0 in the first 1 year

    Go to site

    More info

    • 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases in the first 3 months
    • No annual fee for the first year
    • 75 bonus Status Credits when you buy and fly return with Qantas by 31 May 2018. Apply and be approved by 24 Jan 2018
    • Balance transfer rate: No current offer
    • Annual fee: $425 $0 in the first 1 year
    • 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?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Qantas Ultimate Card

    American Express Qantas Ultimate Card

    • Receive 100,000 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 100,000 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

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2016

    Woolworths Everyday Platinum Credit Card

    Woolworths Everyday Platinum Credit Card

    • $50 Woolworths eGift card after you make your first purchase (T&C’s Apply)
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $0 annual fee for the first year (saving $49)

    balance transfer rate

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

    purchase rate

    19.99% p.a.

    annual fee

    $49 $0 in the first 1 year

    Go to site

    More info

    • $50 Woolworths eGift card after you make your first purchase (T&C’s Apply)
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $0 annual fee for the first year (saving $49)
    • Balance transfer rate: 0% p.a. for 14 months and then 21.99% p.a.
    • Annual fee: $49 $0 in the first 1 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%, minimum $5
    • Rewards description: Woolworths Money Shopping Card sent every 4 months if enough points have been accrued.
    Overall rating

    5.8

    Based on 82 Woolworths credit card reviews

    Need more information?
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  • MOZO EXPERTS CHOICE AWARDS 2016

    28 Degrees Platinum Mastercard

    28 Degrees Platinum Mastercard

    • Award winning credit card
    • $0 overseas fees on purchases
    • 24/7 Worldwide Concierge Service

    balance transfer rate

    4.99% p.a. for 6 months and then 21.99% p.a.

    purchase rate

    21.99% p.a.

    annual fee

    $0

    Go to site

    More info

    • Award winning credit card
    • $0 overseas fees on purchases
    • 24/7 Worldwide Concierge Service
    • Balance transfer rate: 4.99% p.a. for 6 months and then 21.99% p.a.
    • Annual fee: $0
    • Purchase rate: 21.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, min $4
    • Rewards description:
    Overall rating

    7.3

    Based on 161 28 Degrees credit card reviews

    Need more information?
    Go to site

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