Coles Mastercard: What You Need To Know Before Applying

Coles Mastercard: What You Need To Know

You probably know the Coles Mastercard jingle pretty well (it's hard to forget!), but did you know there are actually a number of different Coles Mastercards on offer?

Four of them, in fact!

With assorted products come varied features, so it's important to know exactly what each one offers before you commit to one - and that's where we come in!

In this guide, we point out what you need to know about the Coles Mastercard products and what you stand to gain by signing up.

Now, let's take a look at the different types of Coles Mastercards...


Coles Prepaid Mastercard

A Coles Prepaid Mastercard is a fantastic gift idea, and also very handy for people who want to stick to a budget. This doesn't require an application process - just get yourself to Coles and buy one!

Coles Mastercard: What You Need To Know Before Applying 2018

  • You can buy either $50 or $100 Coles Prepaid Mastercards
  • Available at any Coles Supermarket or Coles Express
  • Use it at any store that accepts Mastercard (in store, online or over the phone)
  • A $5 purchase fee applies (on top of card value) when you buy the prepaid card
  • More information

Coles Reloadable Mastercard:

The Coles Reloadable Mastercard has been discontinued for new costumers. If you still have a Coles Reloadable Mastercard, you can use it normally and still manage your account via the login page.

Coles Rewards Mastercard

This is the best choice for people who want to earn more Flybuys points because it offers shoppers two Flybuys points for every dollar spent on eligible items. It's also particularly great for travellers given that there are no international transaction fees on purchases.

  • Annual Fee: $99
  • Interest Rate: 19.99% p.a.
  • Credit Limit: from $2000
  • Flybuys: 2 points for every $1 spent on eligible items
  • Shopping Discounts: save $10 when you redeem 2000 Flybuys points
  • Free Delivery at Coles Online: using this card for orders of $100 or more
  • Eligibility: Australian resident, 18 years or older, income of at least $25,000 p.a.
  • More information

Coles Mastercard: What You Need To Know Before Applying 2018

Coles No Annual Fee Mastercard

The Coles No Annual Fee Mastercard is a good option for shoppers who want to earn Flybuys points and avoid annual credit card fees.

  • Annual Fee: none
  • Interest Rate: 19.99% p.a.
  • Credit Limit: from $2000
  • Flybuys: 1 point for every $2 spent on eligible items
  • Shopping Discounts: save $10 when you redeem 2000 Flybuys points
  • Free Delivery at Coles Online: using this card for orders of $100 or more
  • Eligibility: Australian resident, 18 years or older, income of at least $25,000 p.a.
  • More information

Coles Low Rate Mastercard

The Coles Low Rate Mastercard also allows shoppers to earn Flybuys points. With this card, the nominal annual fee is offset by a lower interest rate than the No Annual Fee Mastercard.

  • Annual Fee: $58
  • Interest Rate: 12.99% p.a.
  • Flybuys: 1 point for every $2 spent at Coles Supermarkets
  • Shopping Discounts: save $10 when you redeem 2000 Flybuys points
  • Free Delivery at Coles Online: using this card for orders of $100 or more
  • Eligibility: Australian resident, 18 years or older, income of at least $25,000 p.a.
  • More information

Coles Mastercard Application

Applying for any of the three Coles Mastercards above is very simple, and can be done via the Coles Mastercard application form found online.

Step 1 - Choose the Coles Mastercard that is right for you

Step 2 - Click on GET STARTED underneath the applicable card

Step 3 - Enter your personal details and your Flybuys number (optional)

Coles Mastercard: What You Need To Know Before Applying 2018

Eligibility Checklist:

  • to be an Australian citizen
  • to be over 18 years of age
  • to earn at least $25,000 per year
  • have an Australian mobile phone number
  • have a good credit rating

Coles Mobile Wallet

The Coles Mobile Wallet App is a very convenient app, and it's something well worth having if you are a Coles Mastercard holder.

Coles Mastercard: What You Need To Know Before Applying 2018

The FREE app allows you to see the status of your Coles Mastercard, and your Flybuys points. No matter where you are, you can see purchases made, points earned, and plan your finances and shopping better. More information.


Are you a Coles Mastercard holder? What are your favourite benefits of the card? leave us a comment!

TOPICS:   Money   Shopping

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