Coles No Annual Fee Mastercard

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

Updated 18 May 2022

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.

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. purchase rate

19.99% p.a. cash advance rate

Up to 55 interest fee days on purchases


Purchase Protection Insurance

Bonus Points Offer

20,000bonus points

0% for 12 monthson balance transfers, reverts to 19.99% p.a.

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

points per
$1 spend*
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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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