{
  "brand": "Coles Credit Cards",
  "brand_label": "Coles Credit Cards",
  "brand_slug": "coles-credit-cards",
  "legal_entity_abn": "12004044937",
  "public_base_uri": "https://api.openbanking.secure.coles.com.au",
  "logo_uri": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/images/Coles-credit-cards-stacked-logo.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-11-02T00:12:00Z",
  "at_a_glance": {
    "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"low_rate","rank":35,"of":52,"product_label":"Low Rate Mastercard","card_type":"credit","purchase_rate_pct":13.49,"annual_fee":58.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000.0,"max_credit_limit":60000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":18,"bt_fee_pct":3.0,"bt_revert_rate_pct":20.74,"rewards_program":"Flybuys","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"no_annual_fee","rank":9,"of":10,"product_label":"No Annual Fee Mastercard","card_type":"credit","purchase_rate_pct":21.99,"annual_fee":0.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":1000.0,"max_credit_limit":60000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":12,"bt_fee_pct":5.0,"bt_revert_rate_pct":21.99,"rewards_program":"Flybuys","conditions":"k2","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"balance_transfer","rank":12,"of":22,"product_label":"Low Rate Mastercard","card_type":"credit","purchase_rate_pct":13.49,"annual_fee":58.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":1000.0,"max_credit_limit":60000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":18,"bt_fee_pct":3.0,"bt_revert_rate_pct":20.74,"rewards_program":"Flybuys","conditions":"k1","restrictions":[],"record_stale":false},
      {"segment":"personal","kind":"rewards","rank":1,"of":24,"product_label":"No Annual Fee Mastercard","card_type":"credit","purchase_rate_pct":21.99,"annual_fee":0.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":44,"min_credit_limit":1000.0,"max_credit_limit":60000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":12,"bt_fee_pct":5.0,"bt_revert_rate_pct":21.99,"rewards_program":"Flybuys","conditions":"k2","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "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"
      ],
      "k2": [
        "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"
      ]
    },
    "unranked": {
      "products": 0
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category",
  "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "8520f466-2c02-4af7-83fa-8ae13162a034",
      "product_name": "Coles Low Rate Mastercard",
      "product_label": "Low Rate Mastercard",
      "product_slug": "low-rate-mastercard",
      "page": "/au/finance/credit-cards/cards/coles-credit-cards/low-rate-mastercard/",
      "product_url": "https://www.coles.com.au/credit-cards/low-rate",
      "terms_url": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/documents-and-forms/pdfs/coles-mastercard-terms-and-conditions-info.pdf",
      "fees_url": "https://www.coles.com.au/credit-cards/low-rate",
      "eligibility_url": "https://www.coles.com.au/credit-cards/low-rate",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The Product is rewards credit card that provides individuals with a line of credit facility abd the ability to earn Fluybuys Points on their shop purchases at Coles Supermarket.",
      "purchase_rate_pct": 13.49,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Interest on purchases",
      "cash_advance_rate_pct": 20.74,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 58.0,
      "fee_period": "annual",
      "fee_as_stated": 58.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.0,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": null,
      "balance_transfer": {
        "offers": [],
        "for_new_cards": true,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "fee_pct": 3.0,
        "revert_rate_pct": 20.74,
        "revert_to": "cash_advance",
        "promo_rate_pct": 0.0,
        "promo_months": 18
      },
      "rewards_program": "Flybuys",
      "rewards_programs": [
        "Flybuys"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "Complimentary Insurance"
      ],
      "digital_wallets": [
        "Apple Pay",
        "Samsung Pay",
        "Google Pay"
      ],
      "instalment_plan": true,
      "additional_cards": 4,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 60000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "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"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 35,
          "of": 52,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "balance_transfer",
          "rank": 12,
          "of": 22,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.openbanking.secure.coles.com.au/cds-au/v1/banking/products/8520f466-2c02-4af7-83fa-8ae13162a034",
      "source_snapshot": "/au/finance/credit-cards/v1/source/coles-credit-cards/8520f466-2c02-4af7-83fa-8ae13162a034.json",
      "snapshot_at": "2026-11-07T23:42:42Z",
      "bank_last_updated": "2026-11-02T00:12:00Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/documents-and-forms/pdfs/coles-credit-cards-key-facts-sheet.pdf",
      "correction": {
        "checked": "2026-11-07",
        "note": "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",
        "fields": [
          "balance_transfer"
        ],
        "quotes": {
          "balance_transfer": {
            "text": "0% p.a. on Balance Transfers for 18 months. 3% Balance Transfer fee applies.",
            "url": "https://www.coles.com.au/credit-cards/low-rate",
            "citation": {
              "quote": "0% p.a. on Balance Transfers for 18 months. 3% Balance Transfer fee applies.",
              "url": "https://www.coles.com.au/credit-cards/low-rate#:~:text=0%25%20p.a.%20on%20Balance%20Transfers,3%25%20Balance%20Transfer%20fee%20applies.",
              "document_sha256": "087d80988540e3a5ed919ba1c2847525a00126ba97d87c5007b4e559f94b9bfe",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "balance_transfer": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_fee_pct",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.coles.com.au/credit-cards/low-rate#:~:text=0%25%20p.a.%20on%20Balance%20Transfers,3%25%20Balance%20Transfer%20fee%20applies.",
          "quote": "0% p.a. on Balance Transfers for 18 months. 3% Balance Transfer fee applies."
        }
      ]
    },
    {
      "product_id": "d2f29089-d0ee-44bc-bd6f-05f6419841b7",
      "product_name": "Coles No Annual Fee Mastercard",
      "product_label": "No Annual Fee Mastercard",
      "product_slug": "no-annual-fee-mastercard",
      "page": "/au/finance/credit-cards/cards/coles-credit-cards/no-annual-fee-mastercard/",
      "product_url": "https://www.coles.com.au/credit-cards/no-annual-fee",
      "terms_url": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/documents-and-forms/pdfs/coles-mastercard-terms-and-conditions-info.pdf",
      "fees_url": "https://www.coles.com.au/credit-cards/no-annual-fee",
      "eligibility_url": "https://www.coles.com.au/credit-cards/no-annual-fee",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "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.",
      "purchase_rate_pct": 21.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Interest on purchases",
      "cash_advance_rate_pct": 21.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 0.0,
      "fee_period": "annual",
      "fee_as_stated": 0.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.0,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": null,
      "balance_transfer": {
        "offers": [],
        "for_new_cards": true,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "fee_pct": 5.0,
        "revert_rate_pct": 21.99,
        "revert_to": "cash_advance",
        "promo_rate_pct": 0.0,
        "promo_months": 12
      },
      "rewards_program": "Flybuys",
      "rewards_programs": [
        "Flybuys"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "Complimentary insurance"
      ],
      "digital_wallets": [
        "Apple Pay",
        "Samsung Pay",
        "Google Pay"
      ],
      "instalment_plan": true,
      "additional_cards": 4,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 60000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "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"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "no_annual_fee",
          "rank": 9,
          "of": 10,
          "hidden_by_default": null
        },
        {
          "segment": "personal",
          "kind": "rewards",
          "rank": 1,
          "of": 24,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.openbanking.secure.coles.com.au/cds-au/v1/banking/products/d2f29089-d0ee-44bc-bd6f-05f6419841b7",
      "source_snapshot": "/au/finance/credit-cards/v1/source/coles-credit-cards/d2f29089-d0ee-44bc-bd6f-05f6419841b7.json",
      "snapshot_at": "2026-11-07T23:42:42Z",
      "bank_last_updated": "2026-11-02T00:12:00Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/documents-and-forms/pdfs/coles-credit-cards-key-facts-sheet.pdf",
      "correction": {
        "checked": "2026-11-07",
        "note": "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",
        "fields": [
          "balance_transfer"
        ],
        "quotes": {
          "balance_transfer": {
            "text": "0% p.a. on Balance Transfers for 12 months",
            "url": "https://www.coles.com.au/credit-cards/no-annual-fee",
            "citation": {
              "quote": "0% p.a. on Balance Transfers for 12 months",
              "url": "https://www.coles.com.au/credit-cards/no-annual-fee#:~:text=0%25%20p.a.%20on%20Balance%20Transfers%20for%2012%20months",
              "document_sha256": "8e8eae6cada7452c9407962df312ab0f4d60b0783a8a2cfd0d3bc04e4ff69df0",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "balance_transfer": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "bt_promo_rate_pct",
            "bt_promo_months",
            "bt_fee_pct",
            "bt_revert_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.coles.com.au/credit-cards/no-annual-fee#:~:text=0%25%20p.a.%20on%20Balance%20Transfers%20for%2012%20months",
          "quote": "0% p.a. on Balance Transfers for 12 months"
        }
      ]
    },
    {
      "product_id": "52d7855f-39b1-4dd4-af37-e1d3d2da67e4",
      "product_name": "Coles Rewards Mastercard",
      "product_label": "Rewards Mastercard",
      "product_slug": "rewards-mastercard",
      "page": "/au/finance/credit-cards/cards/coles-credit-cards/rewards-mastercard/",
      "product_url": "https://www.coles.com.au/credit-cards/rewards",
      "terms_url": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/documents-and-forms/pdfs/coles-mastercard-terms-and-conditions-info.pdf",
      "fees_url": "https://www.coles.com.au/credit-cards/rewards",
      "eligibility_url": "https://www.coles.com.au/credit-cards/rewards",
      "card_type": "credit",
      "scheme": "mastercard",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "The Product is rewards credit card that provides individuals with a line of credit facility, the ability to earn Fluybuys Points and access to complimentary Mobile Phone insurance.",
      "purchase_rate_pct": 21.99,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": "Interest on purchases",
      "cash_advance_rate_pct": 21.99,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 44,
      "annual_fee": 99.0,
      "fee_period": "annual",
      "fee_as_stated": 99.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "Annual Fee",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": 3.0,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": 3.0,
      "cash_advance_fee": null,
      "late_payment_fee": 30.0,
      "additional_cardholder_fee": null,
      "balance_transfer": {
        "offers": [],
        "for_new_cards": true,
        "for_existing_customers": null,
        "ongoing_rate_pct": null,
        "fee_pct": 5.0,
        "revert_rate_pct": 21.99,
        "revert_to": "cash_advance",
        "promo_rate_pct": 0.0,
        "promo_months": 12
      },
      "rewards_program": "Flybuys",
      "rewards_programs": [
        "Flybuys"
      ],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [
        "Complimentary insurance Complimentary mobile phone insurance - effective from 1 October"
      ],
      "digital_wallets": [
        "Apple Pay",
        "Samsung Pay",
        "Google Pay"
      ],
      "instalment_plan": true,
      "additional_cards": 4,
      "additional_cards_offered": true,
      "min_credit_limit": 1000.0,
      "max_credit_limit": 60000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "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"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://api.openbanking.secure.coles.com.au/cds-au/v1/banking/products/52d7855f-39b1-4dd4-af37-e1d3d2da67e4",
      "source_snapshot": "/au/finance/credit-cards/v1/source/coles-credit-cards/52d7855f-39b1-4dd4-af37-e1d3d2da67e4.json",
      "snapshot_at": "2026-11-07T23:42:42Z",
      "bank_last_updated": "2026-11-02T00:12:00Z",
      "document_links_source": {
        "terms_url": "found by hand 2026-11-01: terms and conditions",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.coles.com.au/content/dam/coles/coles-financial-services/credit-cards/documents-and-forms/pdfs/coles-credit-cards-key-facts-sheet.pdf",
      "correction": {
        "checked": "2026-11-07",
        "note": "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",
        "fields": [
          "balance_transfer"
        ],
        "quotes": {
          "balance_transfer": {
            "text": "0% p.a. for 12 months on Balance Transfers. 5% Balance Transfer fee applies.",
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}