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Coles Financial Services is an Australian-based credit card provider owned by Citigroup Inc., a banking and financial services corporation headquartered in New York.

Coles Financial Services provides a limited range of credit cards, as well as prepaid cards and insurance products.

As an online-only credit card providers, Coles Financial Services offers customer service through their online Credit Card Service Centre, via phone or by email. Applications can be completed online.

Coles Credit Cards rates

About Coles credit cards

Coles offers a limited range of standard credit cards to suit different types of customers – including no-fee credit cards, low-rate credit cards and rewards credit cards.

Coles credit card rates range from moderately low to moderately high depending on the type of credit card chosen. As you might expect, its low-rate card comes with a lower interest rate than its other credit cards.

Similarly, Coles credit card fees range from low to moderate, based on the individual credit card.

When it comes to rewards, Coles credit card customers can earn flybuys points on eligible transactions, which can be redeemed for merchandise and cash back.

Coles also offers introductory balance transfer offers on its credit cards, and its interest-free period is moderate.

Coles credit cards come with a moderately low minimum credit card limit and a high maximum limit.

Coles credit cards review

Coles credit cards offer the biggest advantages to customers who shop regularly at Coles supermarkets and its flybuys partners.

The rewards scheme – especially on the rewards card – is beneficial for earning points on all eligible transactions, which can be redeemed later for a discount at specific shops or for merchandise.

However, for people wanting a dedicated rewards credit card, Coles credit cards offer relatively limited rewards-earning potential, as points can only be redeemed through flybuys.

While Coles credit card interest rates can be moderately low, they aren’t the lowest on the market – so they also probably wouldn’t be the best choice for people looking for a low-rate card.

However, with a low-fee credit card available and an introductory balance transfer offer, Coles credit cards aren’t without their benefits for the right type of cardholder.

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Looking to get your first credit card? You might be confused as to exactly where to go to apply for one. Here’s where to go when you are ready to put in that application.

The bank: Your bank is a great place to start, provided that you have a good banking history. Since you already have a financial history, you have more chance of your application being approved.

Credit card provider: Another option is to apply for a credit card directly from the issuer, such as Visa, Mastercard or Amex. This will most likely be an online application, so do your research and apply for a suitable card for your circumstances.

Major retailers: Coles, Woolworths, Myer and David Jones all have credit cards available. But watch out for the interest rate and annual fees – these cards are designed to help you spend more in store.


^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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