How to apply for your Coles Rewards Mastercard

The Coles Rewards Mastercard is ideal for those looking to earn rewards on everyday purchases. This card allows you to earn Flybuys points on eligible purchases, offering you valuable rewards that can be redeemed for discounts at Coles, vouchers from partner retailers, or even special experiences.

Whether you’re shopping for groceries, booking essentials, or managing everyday expenses, this card maximizes your rewards with every dollar spent, while also offering flexible payment options and seamless transactions through Apple Pay, Google Pay, and Samsung Pay.

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Advantages of Coles Rewards Mastercard

The Coles Rewards Mastercard has a number of great features that are attractive to frequent shoppers.

Earn Flybuys Points faster

With the Coles Rewards Mastercard, your Flybuys points accumulate quickly, as it is directly linked to your Flybuys account. For every eligible purchase, you earn up to 2 Flybuys points per dollar spent. These points can be redeemed for discounts at Coles, vouchers from partner brands, or even exclusive experiences, turning your daily purchases into valuable rewards.

Up to 44 days interest-free on purchases

Also enjoy up to 44 days interest-free on your purchases, as long as the full balance on your statement is paid by the due date. This benefit from the Coles Rewards Mastercard offers a grace period, allowing you to spread out your payments without incurring interest.

Secure and easy payments

Enjoy the convenience of the Coles Rewards Mastercard with Apple Pay, Google Pay, and Samsung Pay. These digital wallets make paying for purchases as easy as tapping your phone or smartwatch. No need for a physical card, and your transactions are secured with additional layers of protection, helping to prevent fraud.

Flexible instalment plans

The Coles instalment plans offer flexibility by allowing you to break down your purchases into manageable monthly payments without the worry of early repayment fees. You can convert purchases of $50 or more before your statement date, or even convert billed purchases over $500, offering you more control over your finances and helping with budgeting for items such as courses or home improvements.

Exclusive discounts at Coles

Get more out of your shopping with the Coles Rewards Mastercard. By subscribing to Coles Plus Saver for free, you can save up to $50 each month on your Coles purchases. That’s extra money to either save for a larger goal or use for more essential items without affecting your budget (seasonal promotion).

Who can apply?

The eligibility requirements for Coles Rewards Mastercard are:

• Be at least 18 years old.
• Be an Australian resident.
• Have a consistent income and clean credit history.
• Have an Australian mobile number and a valid email address.
• Have your existing flybuys membership number ready.

The minimum credit limit is $1,000 and the maximum credit limit is $100,000 – based on the information provided and credit assessment, the credit limit will be assigned.

About Coles Bank

Coles Group Limited is one of Australia’s largest retailers and owner of Coles Bank. Coles, which was founded in 1914, has diversified into financial services, insurance and loyalty programs.

Coles Bank provides the following financial products:

• Reward credit cards and cashback offers.
• Flexible plans for home and car insurance.
• Small loans and payment solutions.
• IFA is one of Australia’s leading retailers, serving millions of customers as a trusted partner.
• So if you need to know how to apply for coles rewards master card.

How to apply for the Coles Rewards Mastercard follow these steps

Go to the Official Coles Website – click here.

• Make sure you are eligible and you meet the basic requirements.
• Complete the online application form with the required information.
• Provide required documents, like ID and income proof.
• The first step is to wait for approval You’ll hear back within a few days.
• Receive your card and activate it to tap into rewards!

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How to activate your Coles Rewards Mastercard?

Here’s what to do to activate your card once you have received it:

• Open the Financial Services app or the Coles website.
• Input your card details and mark your identity.
• Set a PIN for security.
• Hooray, your card is ready to go!

Coles Rewards Mastercard: pros and cons

The Coles Rewards Mastercard offers several advantages, including earning up to 2 Flybuys points per dollar on eligible purchases, which can be redeemed for discounts and special experiences. You can also enjoy up to 44 days interest-free on purchases when the balance is paid in full, and benefit from flexible installment plans that allow you to convert purchases into fixed monthly payments.

The card is compatible with Apple Pay, Google Pay, and Samsung Pay, offering convenience and security for contactless payments.

However, it comes with a 3% foreign transaction fee and an annual fee. Points are mainly earned from eligible purchases, and if the balance isn’t paid in full, high interest rates apply.

Fees and charges

Here’s a look at some key fees associated with the Coles RewardsMastercard:

• Annual fee: $99.
• Interest rate: On balance transfers and purchases at 20.74% per annum.
• International transaction fee: 3% on all purchases and cash advances.
• Late payment fee: $30 for each missed payment.
• International cash advance fee: $5
• Domestic cash advance fee: $1.95 for each amount under $65.00 and 3% for transactions equal to or greater than $65.00.

Visit the Coles Bank website for current rates and terms.

Support for shopping (online and in-store)

For online shopping assistance, call us at 1800 455 400:

• Monday to Friday: 6 AM – Midnight.
•  Saturday and Sunday: 7 AM – 10 PM.
• You can also send a text message to 0429 989 656.

For in-store shopping support, call us at 1800 061 562:

• Monday to Friday: 8:30 AM – 6 PM.
• Saturday and Sunday: 8 AM – 4:30 PM.

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Final thoughts

The Coles Rewards Mastercard is ideal for Australians who are hoping to earn flybuys points on their everyday spending, but be sure to check the rates and whether it suits your financial needs.

Want to apply for a Coles Rewards Mastercard? Head over to the official website and start earning rewards today!