Are store cards different from a normal credit card?

They're branded for a retailer but issued by a bank and run on Visa or Mastercard, so they work anywhere. The difference is the rewards tie-in with the store, often with higher rates and fees than a no-frills card.

Store credit cards

Compare Australian store credit cards branded for department stores and other retailers.

Extra points for spending at the linked retailer
Cardholder discounts and special offers
Free additional cardholders on many cards

Written by Andrew BoydReviewed by Vidhu Bajaj and David Boyd

Featured

Coles Rewards Mastercard

75 reviews

40,000 bonus points
12 months at 0% p.a. on balance transfers

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How many points could you earn?

Enter your monthly spend to see estimated annual points for each card below.

Compare 10 store credit cards

Credit card comparison table with rates, fees, rewards and apply links.
Card	Name and rating	Rewards program	Earn rate	Purchase rate	Annual fee	Est. points / yr
	Bankwest More Platinum Mastercard 5 reviews	Bankwest More Rewards Program	2 pts per $1Capped	14.99% p.a.	$160	122,000 ptsWorth $732	60 second approval
	Bankwest More World Mastercard 4 reviews	Bankwest More Rewards Program	2.5 pts per $1Uncapped	14.99% p.a.	$270	140,000 ptsWorth $840	60 second approval
	Kogan Money Credit Card	Kogan Rewards Program	1 pt per $1Uncapped	21.99% p.a.	$0	36,000 ptsWorth $180
David JonesStandard •••• •••• •••• •••• Credit Card CompareMastercard	David Jones Icon Credit Card	David Jones Credit Card Points	0.5 pts per $1Uncapped	25.74% p.a.	$0	18,000 ptsWorth $108	Application
	Coles Rewards Mastercard 75 reviews	Flybuys	2 Flybuys points per $1Capped	20.74% p.a.	$99	112,000 ptsWorth $560
	Coles No Annual Fee Mastercard 77 reviews	Flybuys	1 Flybuys point per $2Capped	20.74% p.a.	$0	18,000 ptsWorth $90
	Bankwest More Classic Mastercard 7 reviews	Bankwest More Rewards Program	1.5 pts per $1Capped	14.99% p.a.	$100	74,000 ptsWorth $444	60 second approval
	Coles Low Rate Mastercard 18 reviews	Flybuys	1 Flybuys point per $2Capped	13.49% p.a.	$58	18,000 ptsWorth $90
David JonesGold •••• •••• •••• •••• Credit Card CompareMastercard	David Jones Premiere Credit Card	David Jones Rewards	1 pt per $1Uncapped	24.99% p.a.	$99	36,000 ptsWorth $216	Application
David JonesPlatinum •••• •••• •••• •••• Credit Card CompareMastercard	David Jones Prestige Credit Card	David Jones Rewards	1 pt per $1Uncapped	24.99% p.a.	$295	36,000 ptsWorth $216	Application

Store by the numbers

Cards compared

Cards earning rewards

19.77% p.a.

Average purchase rate

13.49% p.a.

Lowest purchase rate

Coles Low Rate Mastercard

$108

Average annual fee

What is a store credit card?

Store cards link to a retailer's loyalty program and reward you for shopping there, while working like a normal credit card with interest rates and fees to compare. The best-known examples pair Coles with Flybuys and Woolworths with Everyday Rewards.

How store credit cards work

They're branded for a retailer but issued by banks and run on Visa or Mastercard. You earn points on purchases, often with bonus points at the linked store, redeemable for gift cards, products or discounts, and some pay cashback instead. Rates and annual fees tend to be higher than other cards, though promotions like 0% introductory purchase rates appear.

They suit frequent shoppers at the linked retailer who pay in full and avoid interest. To get value, use the card for routine spending, skip cash advances, and redeem rewards regularly, since points can be capped or expire. Spending just to earn rewards isn't worth it. If you'd rather earn across retailers, compare rewards cards or Flybuys cards.

Store credit card FAQs

Frequent shoppers at the linked retailer who pay the balance in full. They earn faster at that store, but suit you less if you want rewards across many retailers, tend to carry a balance, or need features like a balance transfer.

Pros

Sign-up bonuses can be sizeable, often enough to cover a return flight or kick-start a rewards balance once you meet the spend.
Earn points on everyday spend, so the shopping you do anyway builds toward flights, gift cards or cashback instead of earning nothing.
Some cards keep purchase rates well below the market average, softening the cost in any month you carry a balance.
Plenty of cards here charge no annual fee, so they cost nothing to hold as a backup or low-use card.

Cons

Earn caps apply on a number of cards, throttling points once you pass a monthly or yearly threshold.
Purchase rates tend to sit above the market average, so carrying a balance on one of these costs more than on a low-rate card.
The premium cards here carry high annual fees, so they only pay off if you use enough of the perks to cover the cost.

Questions and answers

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Sources

Credit Card Compare: Australian credit card statistics