As of 18 September 2026, Coles has three credit cards tracked by BankMate, one of them carrying a sign-up bonus. The Coles Rewards Mastercard's 40,000 pts are worth about $200, or $101 after its $99 first-year fee, which ranks 45th of 51 bonus cards.
- Top bonus, net of fee
- $101
- Coles Rewards Mastercard · $200 less $99
- Market rank
- #45
- of 51 cards with a bonus
- Cards
- 3
- 1 with a bonus · 1 program
- Last change
- —
- None recorded yet
Offers and when they end
Bonus value net of first-year fee · expiry from the issuer's terms- Rewards Mastercard$101 net30 Sept 202612 days left
Issuers usually renew or reprice an offer at expiry; the changelog records what actually happened.
What changed
No changes recorded for Coles's credit cards since tracking began on 10 September 2026.
Cards
Ranked by bonus net of first-year fee · of 51 bonus cards40,000 pts ≈ $200
- Annual fee
- $99
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- Flybuys
- Base earn rate
- 2 Flybuys pts per $
- Purchase rate
- 20.74% p.a.
- Cash advance rate
- 20.74% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Apply by 30 September 2026, get approved, and spend $3,000 or more on eligible Retail Purchases within the first 90 days of account approval (40,000 bonus Flybuys points). Include your Flybuys number on your application.
- Annual fee
- None
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- Flybuys
- Base earn rate
- 0.5 Flybuys pts per $
- Purchase rate
- 20.74% p.a.
- Cash advance rate
- 20.74% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
- Annual fee
- $58
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- Flybuys
- Grocery spend
- 0.5 pts per $
- Purchase rate
- 13.49% p.a.
- Cash advance rate
- 20.74% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report
Notes on Coles credit cards
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