Rating based on 35 reviews

Coles Credit Card

  • Low rate
  • No annual fee
  • Low-interest up to 19.99%

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Coles homepage
Author Coles. Screenshot of Coles website.
[Accessed May 24, 2023]

About Coles

A logical and extremely well-met offering from this Australian group, Coles credit cards are a pleasure to apply for online.

The site is modern, sleek and eminently upmarket. It has a number of pleasing features with a look and feels that welcomes visitors. The company has clearly employed its inside knowledge of the Australian consumer mind to great effect online.

Online and upbeat

The site is a scroll-down with various inputs to click-through along the way. Easy to navigate, brisk and user-friendly, Coles is very capably extending the tool of a credit card into a market it knows only too well.

Generating an “all in one place” feel alongside its supermarket presence, their card is particularly well received by consumers.

Decisions, decisions

Astutely offering a limited number of cards that encapsulate all on offer, each card thus feels laden with benefits. Presenting as an upmarket and savvy choice, Coles’ credit cards are well worth perusing when shopping for a credit card online.

Coles Services

The Coles No Annual Fee Mastercard does as its name implies. There is no annual fee for holding one of these.

Offering 0% interest on balance transfers for 6 months, this card also accrues 1 point for every $2 spent anywhere. The purchase interest rate is set at 19.99%.

Coles rewards MasterCard

The Coles Rewards Mastercard comes with a rewards program, the same 19.99% interest on purchases but also, in its case, a flip-over of structure, where a client will earn 2 points for every $1 spent. This has proved to be the most attractive credit card in the range for Australians.

Low rate Mastercard

The Coles Low Rate Mastercard is close behind and, in reality, these figures fluctuate throughout the year as each card has its own merits. Offering a very low rate of 12.99% per annum, it does accrue a 19.99% cost on cash advances. While offering 1 point for every $2 spent, this spend must occur at a Coles Supermarket to qualify.

Other benefits include earning up to 6 x more points in-store as a credit card and insurance client, free delivery for Coles online purchases of $100 or more and a $10 rebate when one redeems 200 “Flybuy” points at checkout.

A lender of choice

With such a thorough and all-encapsulating offer from an existing retail presence into the regular and accustomed Australian market, it’s not hard to see why the company’s cards have landed so well with consumers.

Coles – Credit card

  • Loan Type Credit cards
  • Interest Rate 19.99%

Benefits of Coles

  • Get your card delivered for free
  • An interest free period up to 62 days
  • Convenient shopping solutions
  • No annual fee

A simple, reliable and competitive credit card

Applying for a Coles credit card via the online loan application takes around 10 minutes. Anyone 18 or older and a resident of Australia can apply.

The required per annum income is set at $25 000 and one needs the usual documentation to complete the application process. There is a more detailed click-through accompanying each card and all offer online. Applying its accrued knowledge of the Australian consumer, gleaned over many years, Coles has hit the sweet spot the first time around with their credit card offering.

Comprehensive insurance

Coles Shield offers insurance cover that is hard to beat, there is a mobile app that facilitates payments on the go and a Coles credit card enables the Flybuy benefits and a credit card facility to be merged into one.

Modern and attractive

Modern and attractively rendered, Coles is a viable credit option, especially for the large percentage of Australians who earn in the designated minimum range and above.

A personal finance tool

While some credit cards offered in the global marketplace are onerous in their stipulations regarding minimum income, Coles very cleverly recognises that a credit card is a personal finance tool and, to a large extent offers cards for all income levels.

Getting the mobile wallet

Yes, they know it would be great if you were able to check on your loans on a daily basis and even make sure how much you will have to pay back on either a weekly or monthly basis. Now they have the app for you where you are able to do just that and more. This app has you in mind and that is why they have designed it for you. The best part is you can get the app on your Android phone or an Apple. All you have to do is download your app from the Google play store or the Apple play store. All you have to do in the first easy steps is register for your app online and then get started and you will be able to keep tabs on all of your banking interests.

Talking about Fly Buys

They are offering you the ability to get rewarded when you have a card with them and the best part is the more products you have with them the more Flybuys points you will get. Once you have gotten enough points it will turn into a dollar value that you can use for taking cash off a product you would like to buy or to pay back on your account. So get started today and they will assist you in the best way

man holding thumbs up

Coles is a trusted & reliable provider of credit cards

In our review, Coles adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ Coles is a registered credit provider in Australia: ACL 238098

Customer Reviews & Testimonials

February 2019

We get more flybys because we have insurance with Coles and a few more products that help us with our day to day lives and the bonus is you are paying one company for your insurance as well.

Deon E
— Perth —

March 2019

Great advice given by the company and their staff I have gotten all the help I need when setting up my app on my phone.

Hailey G
— Sydney —

Coles Contact

Contact Number


  • not available


Physical Address

Postal Address

  • GPO Box 940, Melbourne, 3001, Australia

Opening Hours

  • Monday 08:00 – 21:00
  • Tuesday 08:00 – 21:00
  • Wednesday 08:00 – 21:00
  • Thursday 08:00 – 21:00
  • Friday 08:00 – 21:00
  • Saturday 08:00 – 20:00
  • Sunday 08:30 – 20:00