Coles MasterCard Options



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Coles have three options for their MasterCard offering.

From $0 Annual Fee up to $99 Annual Fee.

All allow you to earn Flybuy points to use at Coles Supermarkets,  or even swap for other points such as “Virgin Australia Velocity” Points.  The current rate for this is 2,000 Flybuys points for 870 Velocity Points.

2,000 Flybuys points would get you $10 off at the Coles Supermarket checkout.

Coles Rewards Mastercard.

$99 annual fee.
19.99% Interest Rate on purchases.
Up to 55 days interest free.
2 Flybuys points per $1 on eligible spend up to and including $3,000 and 1 Flybuys point per $1 spend thereafter.
Up to 11 January 2021 you get 2 Flybuys points per $1 on all unlimited eligible spend.

Coles Low Rate Mastercard.

$58 annual fee.
12.99% Interest Rate on purchases.
Up to 55 days interest free.
1 Flybuys point for every $2 spent at Coles Supermarkets.


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Coles No Annual Fee Mastercard.

No annual fee.
19.99% Interest Rate on purchases.
Up to 55 days interest free.
1 Flybuys point for every $2 eligible spend. This is NOT limited to just Coles Supermarkets.

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