Coles Credit Cards No Annual Fee Mastercard

credit card

No Annual Fee Mastercard is a credit card from Coles Credit Cards, as the bank publishes it in its product data. Its purchase rate is 21.99% and its card fee $0 a year. It ranks 9th of 10 issuers for a personal card with no annual fee, by purchase rate; and 1st of 24 issuers for a personal card with a rewards programme, by annual fee. The feed calls it "Coles No Annual Fee Mastercard".

What the feed states

Purchase rate

21.99%

Cash advance rate

21.99%

Interest-free days

up to 44

Card fee

$0 a year (Annual Fee)

Foreign transaction fee

3% of the transaction

Cash advance fee

3%

Late payment fee

$30

Balance transfer offer

0.00% for 12 months (5% fee, then 21.99%); for new cards

Rewards programme

Flybuys

Complimentary insurance

Complimentary insurance

Digital wallets

Apple Pay, Samsung Pay, Google Pay

Instalment plans

offered

Additional cardholders

up to 4

Credit limit

$1,000 to $60,000

Minimum age

18

Scheme

Mastercard

Conditions and offers

• 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

About this card

The Product is a no annual fee credit card that provides individuals with a line of credit facility and the ability to earn fluybuys point without paying an annual fee.

Data

• Coles Credit Cards's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-11-07.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/coles-credit-cards.json: this issuer's cards as JSON; Coles Credit Cards's page lists them.
• The bank last updated this record on 2026-11-02; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at Coles Credit Cards

• Low Rate Mastercard credit card, 13.49%, $58 a year
• Rewards Mastercard credit card, 21.99%, $99 a year