HomeCredit CardsColesRewards Mastercard

Coles Rewards Mastercard

The Coles Rewards Mastercard offers 75,000 bonus Flybuys Points. Ongoing benefits include Flybuys Points earned on eligible purchases, and no international transaction fees.

Updated 27 November 2023

Already have a credit card?

See if there's a better deal in 60 Seconds

Get Started
Expert Review

The Coles Rewards Mastercard is one of Coles' entry level Flybuys products. Featuring a relatively high points earn rate which is Coles' highest and uncapped, the card provides great value. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 5% for earning $100 back in value, such as on a gift card, for an average spend of $5,000 per month. Further, the product has a $99 annual fee, including up to 55 interest free days. And for anyone who is planning on travelling or making purchases online from international companies, this product charges no foreign transaction fees, which can create significant savings.

Considering its key features, this card is most suitable to someone who wishes to be rewarded for their spend. Other benefits include no foreign transaction fees, which are commonly around 3 p.a., this product is great for anyone who makes overseas purchases online, or anyone planning on travelling overseas and no additional cardholder fees.

Bonus Points.
For a limited time the Coles Rewards Mastercard has a bonus Flybuys Points offer, where you could receive 75,000 bonus Flybuys Points in the first year. To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
Our Coles Rewards Mastercard® was awarded Canstar’s 5-Star Rating for Outstanding Value Rewards Credit Cards in 2020 and 2021, Mozo’s Experts Choice Award for best Rewards Credit Card for 2020, and Money magazine's best Non-Bank Credit Card issuer of the Year for 2021."
- Coles

Earn Flybuys Points

2points per $1 spent up to $3,000, then 1 per statement

Account Fees

$99 annual account fee

Additional Cardholder Fees

No additional cardholder fee

Up to 4 additional cardholders

Transaction Fees

No 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

75,000bonus points

Already have this credit card?

See if there's a better deal in 60 Seconds

Get Started

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

Alternative Credit Cards
More information
^ 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.
Copyright © 2023 Stay or Go Pty Ltd
Stay or Go Pty Ltd (“Stay or Go”) provides information about and compares credit products in the Australian market and is authorised to do so as the holder of Australian Credit Licence 527092. We do not compare every credit product in the Australian market. We are not a credit provider and we do not provide credit assistance. When we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. When you apply for a credit product via our website, you are not applying with us, you are applying directly with the credit provider and will be redirected to their website. We endeavour to ensure that the information on this website is current and accurate however, before entering into any credit product with a credit provider displayed on our website, you should confirm the fees, rates, product information, and eligibility criteria with the credit provider and read the Target Market Determination (TMD) available via their website. All information on this website is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether this advice is right for you and we encourage you to seek independent financial advice. The use of any trade name or trademark on this website is for identification, comparison and reference purposes only and does not imply any association with the trademark holder or their brand. Please refer to our Terms of Use for more details.