Coles credit card reviews

Coles
Coles's overall rating for credit cards

(as rated by the Mozo community)

6.6 / 10

based on 256 reviews

Price

Features

Customer service

Convenience

Trust

Featured credit card from Coles

Recent Coles credit card reviews

Coles

Coles Rewards Mastercard credit card 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

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Fiona, Queensland, reviewed almost 2 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

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Greg, New South Wales, reviewed almost 2 years 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

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Roxana, Queensland, reviewed almost 2 years 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

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Michael, Queensland, reviewed almost 2 years 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, Victoria, reviewed over 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

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Alvin, Victoria, reviewed over 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, New South Wales, reviewed over 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

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Patricia, Queensland, reviewed over 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

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Tee, Queensland, reviewed over 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

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Barbara, New South Wales, reviewed almost 3 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

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Sam, South Australia, reviewed almost 3 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

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Colin, Victoria, reviewed almost 3 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

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Florinda, Victoria, reviewed about 3 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

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Gillian, Queensland, reviewed about 3 years ago

Coles

Coles No Annual Fee Mastercard credit card review

Overall rating   7 / 10

no annual fee

no annual fee

Full review

no annual fee

    Price   7 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

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David, Victoria, reviewed about 3 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

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Sandra, Victoria, reviewed about 3 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

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Darren, New South Wales, reviewed about 3 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

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Melissa, Victoria, reviewed about 3 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

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Louisa, South Australia, reviewed over 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

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Chris, Queensland, reviewed over 3 years ago

Coles

Coles credit card review

Overall rating   7 / 10

Competitive

has fly buy points

Full review

has fly buy points

    Price   6 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Kathy, Victoria, reviewed over 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

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Arup, Victoria, reviewed over 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

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Ravi, Victoria, reviewed over 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

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Tim, South Australia, reviewed over 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

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Trudy, New South Wales, 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

  • MOZO EXPERTS CHOICE AWARDS 2018

    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. Note: point redemption rates will change as of 15 April 2019, please visit the Amex website for more information.

    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. Note: point redemption rates will change as of 15 April 2019, please visit the Amex website for more information.
    • 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

    6.6

    Based on 863 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • Woolworths Everyday Platinum Credit Card

    Woolworths Everyday Platinum Credit Card

    • Redeem your credit card points for Woolworths shopping cards
    • $50 Woolies eGift Card when you spend $150 a month for 3 months
    • $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 year

    Go to site

    More info

    • Redeem your credit card points for Woolworths shopping cards
    • $50 Woolies eGift Card when you spend $150 a month for 3 months
    • $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 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

    6.3

    Based on 181 Woolworths credit card reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2018

    Australian Military Bank Low Rate Visa Credit Card

    Australian Military Bank Low Rate Visa Credit Card

    • $0 additional cardholder fee
    • Up to 55 days interest free on purchases
    • Visa payWave for convenient contactless purchases under $100

    balance transfer rate

    0% p.a. for 12 months and then 11.99% p.a.

    purchase rate

    11.99% p.a.

    annual fee

    $49

    Go to site

    More info

    • $0 additional cardholder fee
    • Up to 55 days interest free on purchases
    • Visa payWave for convenient contactless purchases under $100
    • Balance transfer rate: 0% p.a. for 12 months and then 11.99% p.a.
    • Annual fee: $49
    • Purchase rate: 11.99% p.a.
    • Interest free days: 45
    • Interest rate on cash withdrawals: 19.99% p.a.
    • Fee for cash withdrawals: $4.50
    • Rewards description:
    Overall rating

    7.3

    Based on 45 Australian Military Bank credit card reviews

    Need more information?
    Go to site

    More info

  • Bankwest Breeze Platinum Mastercard

    Bankwest Breeze Platinum Mastercard

    • 0.0% p.a. on balance transfers for 13 months (2% BT fee applies)
    • Complimentary Credit Card Travel Insurance (T&Cs apply)
    • No foreign transaction fees on online and overseas purchases

    balance transfer rate

    0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

    purchase rate

    0% p.a. for 13 months then 12.99% p.a.

    annual fee

    $99

    Go to site

    More info

    • 0.0% p.a. on balance transfers for 13 months (2% BT fee applies)
    • Complimentary Credit Card Travel Insurance (T&Cs apply)
    • No foreign transaction fees on online and overseas purchases
    • Balance transfer rate: 0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)
    • Annual fee: $99
    • Purchase rate: 0% p.a. for 13 months then 12.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    7.3

    Based on 1027 Bankwest credit card reviews

    Need more information?
    Go to site

    More info

  • ANZ Low Rate

    ANZ Low Rate

    • $1,000 minimum credit limit
    • 0.0% p.a. on balance transfers for 15 months (T&Cs apply)
    • Up to 55 days interest free on purchases

    balance transfer rate

    0% p.a. for 15 months and then 21.74% p.a.

    purchase rate

    12.49% p.a.

    annual fee

    $58

    Go to site

    More info

    • $1,000 minimum credit limit
    • 0.0% p.a. on balance transfers for 15 months (T&Cs apply)
    • Up to 55 days interest free on purchases
    • Balance transfer rate: 0% p.a. for 15 months and then 21.74% p.a.
    • Annual fee: $58
    • Purchase rate: 12.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description:
    Overall rating

    6.7

    Based on 6066 ANZ 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 218 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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