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Coles No Annual Fee Mastercard

The Coles No Annual Fee Mastercard offers 20,000 bonus Flybuys Points. Ongoing benefits include Flybuys Points earned on eligible purchases, and no annual fee.

Updated 27 November 2023

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Expert Review

The Coles No Annual Fee Mastercard is Coles' low fee product. This is also the only credit card Coles offers in the low fee category. Featuring a relatively low points earn rate which is uncapped, the card provides an entry level option for earning Flybuys Points. Further, the product has no annual fee, which is Coles' lowest standard annual fee, including up to 55 interest free days. Of the 200+ credit cards reviewed by Stay or Go, this card is one of only a limited number that offer an ongoing $0 Annual Fee.

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.

Bonus Points and discounted introductory purchase rate.
For a limited time the Coles No Annual Fee Mastercard has a bonus Flybuys Points offer, where you could receive 20,000 bonus Flybuys Points in the first year. The card also comes with a 0% p.a. Purchase rate offer for 6 months. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
With a Coles No Annual Fee Mastercard you enjoy no annual fee - ever. Plus you'll collect Flybuys points on eligible spend."
- Coles

Earn Flybuys Points

0.5points per $1 spent

Account Fees

$0 annual account fee

Additional Cardholder Fees

No additional cardholder fee

Up to 4 additional cardholders

Transaction Fees

2.50% international transaction fee

Other fees may apply.


19.99% p.a. variable purchase rate

19.99% p.a. variable cash advance rate

Up to 55 interest free days on purchases


Purchase Protection Insurance

Bonus Points Offer

20,000bonus points

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

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^ 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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