Coles credit cards
3 credit cards. Ranked by bonus net of first-year fee · of 66 bonus cards.
40,000 pts ≈ $200
- Annual fee
- $99
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- Flybuys
- Base earn rate
- 1 Flybuys pts per $
- Purchase rate
- 21.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Apply by 3 November 2026, get approved, and spend $3,000 or more on eligible Retail Purchases within the first 90 days of 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
- Purchase rate
- 21.99% p.a.
- Cash advance rate
- 21.99% 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
- Rewards Mastercard$101 net3 Nov 20261 day left
Issuers usually renew or reprice an offer at expiry; the changelog records what actually happened.
October 20261 change
- 1Thu
- Coles Rewards Mastercardbase earn rate 2 → 1 per $—
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare credit cards · Card report
Notes on Coles credit cards
to leave a note.
As of 2 November 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 39th of 66 bonus cards. Its cards last changed on 30 September 2026. From the provider's Consumer Data Right feed, refreshed nightly.