Coles Credit Cards
ABN 12 004 044 937
Credit cards
Coles Credit Cards publishes 3 credit or charge card products in its product data; 3 are ranked on the comparison. Rates are per annum as published by the bank; a card's annual fee is the yearly figure, with a monthly card fee multiplied by twelve.
Where its cards rank
Coles Credit Cards's card for each customer segment and ranking on the credit card comparison, with its rank among the banks there.
| Card for | Ranking | Rank | Card | Purchase rate | Annual fee | Interest-free days | Credit limit | Balance transfer | Rewards | Conditions | Restrictions |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Personal | Low rate | 35 of 52 | Low Rate Mastercard | 13.49% | $58 | 55 | $1,000 to $60,000 | 0.00% for 18 months | Flybuys | corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 18 months with a 3% fee, reverting to the cash advance rate, for new c… | — |
| Personal | No fee | 9 of 10 | No Annual Fee Mastercard | 21.99% | $0 | 44 | $1,000 to $60,000 | 0.00% for 12 months | Flybuys | corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 12 months with a 5% fee, reverting to the cash advance rate, for new c… | — |
| Personal | Balance transfer | 12 of 22 | Low Rate Mastercard | 13.49% | $58 | 55 | $1,000 to $60,000 | 0.00% for 18 months | Flybuys | corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 18 months with a 3% fee, reverting to the cash advance rate, for new c… | — |
| Personal | Rewards | 1 of 24 | No Annual Fee Mastercard | 21.99% | $0 | 44 | $1,000 to $60,000 | 0.00% for 12 months | Flybuys | corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 12 months with a 5% fee, reverting to the cash advance rate, for new c… | — |
Cards
Ranked cards
Low Rate Mastercard credit card
purchase rate 13.49%; fee $58 a year; 55 interest-free days; credit limit $1,000 to $60,000; balance transfer 0.00% for 18 months, 3% fee, then 20.74%; rewards: Flybuys.
- corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 18 months with a 3% fee, reverting to the cash advance rate, for new cards applied for by 1 March 2027; its feed carries no offer
- credit limit $1,000 to $60,000
- must be an Australian resident for tax purposes with a regular income
- cash advance fee $1.95 minimum (or 3%) in Australia, $5 overseas; over-the-counter $2.25; paper statements $2
- 0% on balance transfers for 18 months with a 3% fee, reverting to the 20.74% cash advance rate; up to 80% of the limit; new cards only
- balance transfer offer for new cards only, not when closing or transferring from another Coles Mastercard
- balance transfer offer for applications by 1 March 2027
No Annual Fee Mastercard credit card
purchase rate 21.99%; fee $0 a year; 44 interest-free days; credit limit $1,000 to $60,000; balance transfer 0.00% for 12 months, 5% fee, then 21.99%; rewards: Flybuys.
- corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 12 months with a 5% fee, reverting to the cash advance rate, for new cards applied for by 1 March 2027; its feed carries no offer
- credit limit $1,000 to $60,000
- must be an Australian resident for tax purposes with a regular income
- cash advance fee $1.95 minimum (or 3%) in Australia, $5 overseas; over-the-counter $2.25; paper statements $2
- balance transfer offer for applications by 1 March 2027
- Flybuys points on the first $5,000 of eligible purchases each statement period
Rewards Mastercard credit card
purchase rate 21.99%; fee $99 a year; 44 interest-free days; credit limit $1,000 to $60,000; balance transfer 0.00% for 12 months, 5% fee, then 21.99%; rewards: Flybuys.
- corrected from the bank's own page: the issuer's page offers 0% on balance transfers for 12 months with a 5% fee, reverting to the cash advance rate, for new cards applied for by 1 March 2027; its feed carries no offer
- credit limit $1,000 to $60,000
- must be an Australian resident for tax purposes with a regular income
- cash advance fee $1.95 minimum (or 3%) in Australia, $5 overseas; over-the-counter $2.25; paper statements $2
- Flybuys points on the first $8,000 of eligible purchases each statement period
- 40,000 bonus Flybuys points for a new card with $3,000 spent in 90 days
- 0% on balance transfers for 12 months with a 5% fee, reverting to the 21.99% cash advance rate; new cards only
- balance transfer offer for applications by 1 March 2027
Ranked cards come first. "stale" means the bank has not updated the record for over 180 days. The "details" link opens the card's own page here, with every rate, fee, offer and feature its feed states; "source" opens our snapshot of the bank's product record.
We receive no payment from any lender for inclusion or ranking.
Data
This section is built from the bank's own published credit and charge card product data, refreshed daily. The same records are published as JSON with a source URL and the issuer's last-updated or document date on every row:
/au/finance/credit-cards/v1/brands/coles-credit-cards.json: this issuer's cards, its ranked entries first./au/finance/credit-cards/v1/rates.json: every bank's cards in one file./au/finance/credit-cards/v1/best.json: the banks ranked per segment and ranking kind./au/finance/credit-cards/v1/index.json: dataset index, including every per-bank file.- the bank's live CDR credit and charge card feed (needs an
x-vheader).
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