No annual fee and a 20.74% p.a. purchase rate as of 18 September 2026. The fee ranks 1st lowest of 100 cards tracked by BankMate. There is no sign-up bonus on offer.
Annual fee over time
Annual fee- Coles No Annual Fee Mastercard
Changes
No changes recorded for this product since tracking began on 10 September 2026.
Fees
- Annual fee
- None
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Late payment fee
- $30
Earning
- Rewards program
- Flybuys
- Base earn rate
- 0.5 Flybuys pts per $
Interest
- Purchase rate
- 20.74% p.a.
- Cash advance rate
- 20.74% p.a.
- Interest-free days
- Up to 44
- Balance transfer
- 0.00% for 12 months
Perks
- Complimentary travel insurance
- No
- Purchase protection
- No
- Concierge
- No
- Network
- Mastercard
Eligibility
- Minimum credit limit
- $1,000
- Maximum credit limit
- $60,000
About this product
The Product is a no annual fee credit card that provides individuals with a line of credit facility, the ability to earn Flybuys Points and complimentary insurances.