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Coles Rewards Mastercard

The Coles Rewards Mastercard offers . Ongoing benefits include Flybuys Points earned on eligible purchases.


Updated 14 April 2025


Fact checked and verified. Updated 14 April 2025
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Expert Review

The Coles Rewards Mastercard is one of Coles' entry level Flybuys products. Featuring a relatively high points earn rate which is Coles' highest and uncapped, the card provides great value. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 5% for earning $100 back in value, such as on a gift card, for an average spend of $5,000 per month. Further, the product has a $99 annual fee, including up to 55 interest free days.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include no additional cardholder fees.

To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
Our Coles Rewards Mastercard® was awarded Canstar’s 5-Star Rating for Outstanding Value Rewards Credit Cards in 2020 and 2021, Mozo’s Experts Choice Award for best Rewards Credit Card for 2020, and Money magazine's best Non-Bank Credit Card issuer of the Year for 2021."
- Coles
Rewards

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Earn Flybuys Points

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2points per $1 spent up to $3,000, then 1 up to $8,000 per statement

Fees
Account Fees

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$99 annual account fee

Additional Cardholder Fees

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No additional cardholder fee

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Up to 4 additional cardholders

Transaction Fees

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3.00% international transaction fee

Other fees may apply.

Rates

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20.74% p.a. variable purchase rate

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20.74% p.a. variable cash advance rate

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Up to 55 interest free days on purchases

Features
Insurance

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Purchase Protection Insurance

Offers
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TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the Coles website.

Alternative Credit Cards
More information
^ Credit card reward programs can be difficult to compare due to tiered and capped points earn rate structures. To simplify comparison, we estimate the number of points you could earn per $1 spent, assuming $5,000 of spend on eligible purchases each month.
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