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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 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

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Fiona, Queensland, reviewed over 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 over 2 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

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Roxana, Queensland, reviewed over 2 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

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Michael, Queensland, reviewed over 2 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

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Marica, Victoria, reviewed about 3 years ago

Coles

Coles No Annual Fee Mastercard No Annual Fee Mastercard 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 3 years ago

Coles

Coles No Annual Fee Mastercard No Annual Fee Mastercard 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 3 years ago

Coles

Coles Rewards Mastercard Rewards Mastercard 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 3 years ago

Coles

Coles Rewards Mastercard Rewards Mastercard 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 3 years ago

Coles

Coles No Annual Fee Mastercard No Annual Fee Mastercard 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 over 3 years ago

Coles

Coles Rewards Mastercard Rewards Mastercard 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 over 3 years ago

Coles

Coles No Annual Fee Mastercard No Annual Fee Mastercard 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 over 3 years ago

Coles

Coles Rewards Mastercard Rewards Mastercard 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 over 3 years ago

Coles

Coles Rewards Mastercard Rewards Mastercard 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, Queensland, reviewed over 3 years ago

Coles

Coles No Annual Fee Mastercard No Annual Fee Mastercard 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

Less

David, Victoria, reviewed almost 4 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

  • Qantas Money Qantas Premier Everyday

    Qantas Money Qantas Premier Everyday

    • 0% purchase rate for first 9 months (19.99% afterwards)
    • 20,000 bonus points if you apply by 30 May 2019 and spend $3,000 in the first 90 days
    • 0% balance transfer rate for 9 months (21.99% afterwards).

    balance transfer rate

    0% p.a. for 12 months and then 21.99% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $49 $29 in the first year

    Go to site

    More info

    • 0% purchase rate for first 9 months (19.99% afterwards)
    • 20,000 bonus points if you apply by 30 May 2019 and spend $3,000 in the first 90 days
    • 0% balance transfer rate for 9 months (21.99% afterwards).
    • Balance transfer rate: 0% p.a. for 12 months and then 21.99% p.a.
    • Annual fee: $49 $29 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 $3.00
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Need more information?
    Go to site

    More info

  • Featured product

     

    Virgin Money Virgin Australia Velocity Flyer Card - Bonus Points Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Bonus Points Offer

    • Earn up to 60,000 bonus Velocity Points. Conditions apply
    • 0% p.a. for 18 months on balance transfers
    • Half the annual card fee in the first year.

    balance transfer rate

    0% p.a. for 18 months and then 20.99% p.a.

    purchase rate

    20.74% p.a.

    annual fee

    $129 $64 in the first year

    Go to site

    More info

    • Earn up to 60,000 bonus Velocity Points. Conditions apply
    • 0% p.a. for 18 months on balance transfers
    • Half the annual card fee in the first year.
    • Balance transfer rate: 0% p.a. for 18 months and then 20.99% p.a.
    • Annual fee: $129 $64 in the first year
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Fee for cash withdrawals: 2.7%, Min $2.70
    • Rewards description: Points are credited to the Velocity Frequent Flyer program.
    Overall rating

    5.8

    Based on 203 Virgin Money 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

    6.7

    Based on 413 Suncorp credit card reviews

    Need more information?
    Go to site

    More info

  • ME frank Credit Card

    ME frank Credit Card

    • Experts Choice Winner - No Annual Fee Credit Card
    • Low rate of 11.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases

    balance transfer rate

    No current offer

    purchase rate

    11.99% p.a.

    annual fee

    $0

    Go to site

    More info

    • Experts Choice Winner - No Annual Fee Credit Card
    • Low rate of 11.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases
    • Balance transfer rate: No current offer
    • Annual fee: $0
    • Purchase rate: 11.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 11.99% p.a.
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    8.0

    Based on 204 ME credit card reviews

    Need more information?
    Go to site

    More info

  • Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate and Balance Transfer Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate and Balance Transfer Offer

    • 0.0% p.a. on balance transfers for 6 months
    • 0.0% p.a. on purchases for up to 14 months
    • Receive a $129 Virgin Australia gift voucher each year

    balance transfer rate

    0% p.a. for 6 months and then 20.99% p.a.

    purchase rate

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

    annual fee

    $129 $64 in the first year

    Go to site

    More info

    • 0.0% p.a. on balance transfers for 6 months
    • 0.0% p.a. on purchases for up to 14 months
    • Receive a $129 Virgin Australia gift voucher each year
    • Balance transfer rate: 0% p.a. for 6 months and then 20.99% p.a.
    • Annual fee: $129 $64 in the first year
    • Purchase rate: 0% p.a. for 14 months then 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Fee for cash withdrawals: 2.7%, Min $2.70
    • Rewards description: Points are credited to the Velocity Frequent Flyer program.
    Overall rating

    5.8

    Based on 203 Virgin Money 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 228 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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