Coles No Annual Fee Mastercard
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CardIQ
Fair
Overall score, out of 100 · How this works
- Balance transfer51
- First timer70
- Frequent flyer29
- No annual fee60
- Rewards33
Customer reviews
Based on 77 reviews. We show 20 of them.
Most of the praise went to fees and rewards, with customer service the occasional sticking point.
Customer care representative was rude
But the representative was rude, did not listen to my query and hung up on me! I ended up being on hold again for 40 minutes, demanded to speak to supervisor and finally got my query resolved. I was quite angry after this episodei save a lot on this 'no annual fee' card
It’s a good credit card for rewards and I get $10 off for every 2000 points. It’s also a no-fee card. This is my first ever credit card and it is a really good card. I will recommend to my friends and family members to get this card.$100 dollar offer promised but not fulfilled
They promised to give me a $100 voucher with this card to use at Coles. They confirmed and re-confirmed my eligibility, then never provided it. Then, when I rang, they suddenly changed and said it was their mistake – I am not eligible. What a scam. And the approval process was…
Watch out for their interpretation of due date
Make sure you pay before the due date. Yes, at least three days before, they say! Otherwise interest will be charged. Customer service didn’t want to hear or see proof that payment had been made from my account on the due date. I will be cancelling the card and taking my…
Monster value
The first beauty of this card is that there is no annual fee. Another positive is that every time you shop there is a reward. When you receive the card and go make a big shop you’ll get $100 off! Another big plus is that, as a convenience, you can order at Coles online and if…
Great card, with no catches so far
There’s no annual fee, so no $ up front. It’s a great option compared to 0% balance transfer cards, as you don’t have to foot the $75+ fee for that service. Instead, this card offers the simple solution of no interest on purchases for ages, then reverts to a standard rate at the…
Very poor customer service
I only found out my Coles Credit Card had been put on hold when I went to pay for my click and collect Coles order. My card had been declined. No notice, no emails or texts were provided. I spent hours waiting on hold on the phone, trying to talk to a “non-customer service”…
This a a great card. There’s no annual fee. This card actually helps us to budget our spending. We can buy what we want or need and have plenty of time to pay it off, and never be out of cash.When we signed up, we got $100 free and used it to buy beverages for our wedding. I…
Plenty of flybuys, no need to carry flybuys card
We got this card for the flybuys points, pure and simple. We don’t use flybuys to get any gifts, but the occasional $10 off our grocery bill is appreciated. The card has your flybuys barcode on the back, thus eliminating the need for yet another card in the wallet. The web…
Awesome first-time credit card, with flybuys
Greatest first credit card ever — no fees, easy registration process. I would definitely highly recommend it to anyone. It’s trustworthy and the best card as it linked to flybuys — Number 1. Coles is very brilliant. You must get this credit card, especially first-time credit…
Pros & cons
What's good
- 12 months at 0% p.a. on balance transfers, longer than the 12-month median (5% transfer fee, reverts to 20.74% p.a.).
- No annual fee.
- No fee to add an additional cardholder.
Worth noting
- The 20.74% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
- Earns 1 Flybuys point per $2 on everyday spend, below the dataset average.
- Points earning is capped at 10,000 points a month.
- 3% foreign transaction fee on overseas spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Mastercard
- Card use
- Personal
- Credit limit
- $1,000 – $60,000
- Credit rating
- Good
- Rewards program
- Flybuys
Eligibility
- Instant approval
- No
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 20.74% p.a.
- Purchases
- 20.74% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- No annual fee
- Cash advance fee
- 3% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $30
Repayments
- Interest-free period
- Up to 44 days on purchases
- Minimum repayment
- 2% of the closing balance or $30, whichever is greater
Balance transfers
- Can't transfer from
- Coles, Kogan Money, MyCard, NAB, Qantas Money
- Limit
- Up to your available credit limit
- Period
- 12 months
- Promotional rate
- 0% p.a.
- Revert rate
- 20.74% p.a.
- Transfer fee
- 5%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Earn rate
- Everyday spend
- 1 Flybuys point per $2
- Bonus categories
- None
- Other purchases
- None
- Overseas spend
- None
- ATO/government
- None
- Reduced rate above monthly cap
- None
- Points cap
- Maximum 10,000 points per month
- Points expiry
- Points don't expire while your account is open and in order.
Sign-up bonus
- Bonus spend required
- —
- Sign-up bonus
- —
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
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Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Coles
- Program
- Flybuys