Take a look at the different types of credit cards that Coles has to offer:
Do you generally end up carrying a balance on your credit card? Then a smart way to manage your money is to get a card with a low interest rate. For best value, check out a Coles Credit Card that comes with an everyday low rate interest rate on eligible purchases and lets you earn flybuys points every time you shop at Coles Supermarkets.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
|---|---|---|---|---|
|
12.99% p.a. |
0% p.a. for 15 months and then 19.99% p.a. (1.50% balance transfer fee) |
$58 |
55 |
If you’re looking for a low fee card, you can choose a Coles Credit Card that comes with no annual fee ever. In addition to the saving that you’ll make on the annual fee, you’ll also earn flybuys points on your eligible everyday spends and get interest free days on purchases when you pay off the full balance every month.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
|---|---|---|---|---|
|
12.99% p.a. |
0% p.a. for 15 months and then 19.99% p.a. (1.50% balance transfer fee) |
$58 |
55 |
|
|
0% p.a. for 6 months then 19.99% p.a. |
No current offer |
$0 |
55 |
With a Coles Rewards Credit Card, you’ll not only earn reward points for every eligible dollar you spend, you’ll also have access to other benefits like complimentary access to 24/7 worldwide concierge service as well as Purchase Protection Insurance, which protects the items you buy with your card in case they're lost, stolen or damaged.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees |
|---|---|---|---|---|
|
0.5 points per dollar on Mastercard, uncapped |
0% p.a. for 6 months then 19.99% p.a. |
No current offer |
$0 |
|
|
2 points per dollar on Mastercard, up to $3,000 per month, then |
19.99% p.a. |
0% p.a. for 6 months and then 19.99% p.a. |
$99 |
Mozo users have rated Coles credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
321 Reviews
For me, one of the standout features of the Coles Credit Card is its low fees. This includes annual fees, transaction fees, and overseas usage fees, so I like to use it when I travel. I also have a low limit of $2000 which is easy to pay. With the wallet app I can easily manage my transactions, track spending, and make payments on the go. They also have pretty good security with pins, messaging when transaction over $100 and also asking for 2FA. While the Coles Credit Card excels in affordability and convenience, its customer service is not so great. I feel this across the board. Slow response times and unhelpful assistance are common, which can be frustrating. Overall think this is a great card and I have used it for years.
Read full reviewFor me, one of the standout features of the Coles Credit Card is its low fees. This includes annual fees, transaction fees, and overseas usage fees, so I like to use it when I travel. I also have a low limit of $2000 which is easy to pay. With the wallet app I can easily manage my transactions, track spending, and make payments on the go. They also have pretty good security with pins, messaging when transaction over $100 and also asking for 2FA. While the Coles Credit Card excels in affordability and convenience, its customer service is not so great. I feel this across the board. Slow response times and unhelpful assistance are common, which can be frustrating. Overall think this is a great card and I have used it for years.
I have been using my Coles Credit Card for nearly 2 years. I collect Coles Flybuys points every time I use it no matter where I use it (yes even at Woolworths). I like the convenience of my Flybuys Number on the reverse of this card. Plus no annual service fee. The only Cons are the lack of receiving a monthly statement and customer service team is overseas based.
Read full reviewI have been using my Coles Credit Card for nearly 2 years. I collect Coles Flybuys points every time I use it no matter where I use it (yes even at Woolworths). I like the convenience of my Flybuys Number on the reverse of this card. Plus no annual service fee. The only Cons are the lack of receiving a monthly statement and customer service team is overseas based.
I enjoy the flybuys points and can accumulate them very quickly with this credit card. I've never had any problems using it. The times I have had to use customer service they have always been able to resolve my problems quickly.
Read full reviewI enjoy the flybuys points and can accumulate them very quickly with this credit card. I've never had any problems using it. The times I have had to use customer service they have always been able to resolve my problems quickly.
pro no annual fee hard 2 get a credit increase
Read full reviewpro no annual fee hard 2 get a credit increase
I missed my first payment despite contacting them via chat every day from the due date to confirm everything was in order. Bad advice. They did reverse the late fee which is positive. They would not, however, reverse the loss of interest free days. When i said i wanted to dispute this I was told I would recieve a call from an account manger within a couiple of days. Four days later and nothing. SO I decided to cal, them and speak to someone. Not possible, just ended up in voice mail loop. Verdict: CRAP!
Read full reviewI missed my first payment despite contacting them via chat every day from the due date to confirm everything was in order. Bad advice. They did reverse the late fee which is positive. They would not, however, reverse the loss of interest free days. When i said i wanted to dispute this I was told I would recieve a call from an account manger within a couiple of days. Four days later and nothing. SO I decided to cal, them and speak to someone. Not possible, just ended up in voice mail loop. Verdict: CRAP!
Once you’re done comparing the different Coles Credit Cards and picked the one that suits your financial needs the most, you can hit the ‘Go to site’ button on Mozo to reach the Coles Financial Services website.
Applying for a Coles Credit Card from the website directly is quite simple. You’ll see an online form, which will require you to fill in some personal and financial information such as your contact details, identity proof and employment status. Fill in the form carefully and remember to review it before submitting. You’ll get a response on your application from Coles in under 60 seconds.