Important disclosure

Coles Supermarkets Australia Pty Ltd

Coles Rewards Mastercard

  • Balance transfer
  • Low annual fee
  • Instant approval
Purchase Rate

19.99%

p.a

Balance Transfer Rate

0%

p.a

Tags
  • Balance transfer
  • Low annual fee
  • Instant approval
Purchase Rate

19.99%

p.a

Balance Transfer Rate

0%

p.a

Annual Fee

$99

Pros and cons

For Rewards Mastercard

Benefits

  • Rewards Available through flybuys
  • Extra 75,000 points subject to eligibility conditions

Drawbacks

  • Higher than average ongoing variable purchase rate
  • Does not offer free supplementary cards

Coles Rate Credit card overview

For Rewards Mastercard

Details

Card Level

Standard

Card Type

MasterCard

Interest Free Days

55

Minimum monthly repayment

2% or $30

Minimum credit limit

$1k

Maximum credit limit

No set max

Free supplementary cards

Instant Approval

Target Market Determination

Visit Coles Supermarkets Australia Pty Ltd to view Target Market Determination.

Fees

Annual Fee

$99

Annual Fee Spend Waiver

Supplementary card annual fee

Late Payment Fee

$30

Over limit fee

$0

Duplicate statement fee

$0

Electronic Wallet Service

Important Rates

Rates

Purchase Rate

19.99%

p.a

Cash advance rate

19.99%

Cash advance fee

3% or $1.95

Balance Transfer

Balance Transfer Rate

0%

p.a

Transfer Limit

80%

of the approved credit limit

Balance Transfer Fee

1.5%

Overseas spending

Foreign Exchange Fee

$0

Overseas charges

$5

Estimated ATM Cost

$5

for AU $300 withdrawal

Rewards

Program name

flybuys

Rewards Available

Gift Card, Cash Back

Eligibility

Minimum age

18

Minimum income

Eligibility conditions

Permanent Australian resident

Residency

Other Restrictions

The International Transaction Fee for Retail Purchases is waived on the Coles Rewards Mastercard, however any Cash Advance in foreign currency, or a Cash Advance made outside of Australia, will continue to incur an International Transaction fee of 2.50% of the transaction value when converted to Australian dollars, plus any other fees applicable to an International Cash Advance from the date of the transaction.

Promoted credit cards

Promoted

Longer Balance Transfer

Foundation Visa Card

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee

Balance Transfer

3.99% p.a. 6 month introductory rate on balance transfers, purchases and cash advances.
Purchase Rate

3.99%

p.a

for up to 6 months, then 8.99%

Annual Fee

$45

Promoted

Lower Fee Balance Transfer

Lifestyle

  • Apple & Google Pay
  • Balance transfer
  • No annual fee
Purchase Rate

4.99%

p.a

for up to 5 months, then 12.84%

Annual Fee

$0

Promoted

Lower Purchase Rate

Orange One Low Rate

  • Apple & Google Pay
  • No annual fee
Purchase Rate

11.99%

p.a

Annual Fee

$0

Promoted

Lower Annual Fee

Low Rate Visa Credit Card

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee
Purchase Rate

10.49%

p.a

Annual Fee

$30