Rating based on 57 reviews

Coles Credit Card

  • Compare credit cards
  • Competitive interest rates
  • Low-interest starting from 12.99%

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Coles homepage
Author Coles. Screenshot of Coles website.
[Accessed March 17, 2023]

About Coles

As one of the largest retailers in Australia, Coles provides a variety of food, groceries, liquor, fuel and general merchandise to millions of consumers weekly.

They are part of the Wesfarmers group and have a growing network of 2200 retail outlets around the country.

Top of the range credit solutions

Coles is a frontrunner in providing Australians with dedicated credit cards and quality rewards. Their cards are linked to Flybuys rewards, allowing clients to earn points that they can redeem to pay for future flights.

A dedicated provider of financial services

Coles has been operating in Australia and New Zealand for more than 80 years, gaining valuable insight into the market. They take care of many clients' finances and always provide products that fit their budget and will benefit them in the future. This involves processing online loan applications, issuing authorizations, billing, and providing customer support.

Coles mobile app-  easy to use

With the Coles mobile app, clients can :

  • Browse through what stores have to offer
  • Build a shopping list that customers can later share with family and friends
  • Shop online and get groceries delivered straight to the door,

Coles Services

Credit cards open up many opportunities because they give you access to credit, allowing clients to take that well-deserved holiday or do those necessary repairs.

There is a range of cards available for clients to choose from, each with unique benefits and rewards. The company offers a card that allows clients to earn Flypoints every time they use the card to purchase.

Coles no annual fee credit card

Another great benefit of some of Coles credit cards comes without an annual fee. Those who know that they will be able to make their payments on time will significantly save this option because they won't pay interest or annual card fees.

Using the online application process

There's no need to go to the bank to get a credit card, clients can now compare and apply for their card using the Coles online application form. This saves applicants time, effort and money because they don't have to leave the house and can apply at any time of the day.

Compare cards

Customers can use an online tool where they can compare different credit cards for different uses. For a low-rate option, clients can opt for a COles low-rate Mastercard, and for no annual fee, there is the Coles no annual fee credit card. There are many types of regards offered by the company, and this unique tool allows clients to explore and find what fits their needs best.

Coles – Credit card

  • Loan Type Credit cards
  • Interest Rate from 12.99%

Benefits of Coles

  • No annual fee
  • Get your card delivered for free
  • An interest free period up to 62 days
  • Convenient shopping solutions

Coles Credit Cards - Getting credit has never been easier

Those that opt for a Coles credit card in Australia get instant access to versatile and flexible credit card solutions and an instant credit facility.

The company constantly looks for new and innovative ways to improve its quality and service delivery to clients.

They make managing your finances easy

Coles has a consumer service that consists of an experienced staff that delivers expert advice. They are always available to answer any questions and queries clients might have about their credit card account.

A responsible lender

Coles enforces responsible lending and offers all clients helpful tips that ensure that they take on as much credit as they can afford online. Part of the reason why the company provides their loyal customers with rewards is that they believe in rewarding those that have successfully managed to use their credit well.

Earn 1 point for every $2 spent

If clients shop at selected Coles supermarket stores, they receive instant discounts on their purchases. All they need to do is complete the simple application form for this particular credit card offer and start earning points for every $2 spent.

Coles offer Flybuy points for every $1 spent.

Clients also earn Flybuys reward points for every $1 spent and 2 Flyboys points per $1 when they spend up to $3000 in each statement period.

Interest-free credit cards

Coles rewards their customers for paying off their entire balance each month by providing them with 55 days interest-free on purchases. Clients get charged 0% interest per year on purchases within their first year; after that, they pay 19.99% per year.

man holding thumbs up

Coles is a trusted & reliable provider of credit cards

In our review, Coles adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Coles is a registered credit provider in Australia: ACL 238098

Customer Reviews & Testimonials

February 2019

Coles only brings their customers the best – I can vouch for this. Their cards are linked to flybuys making accumulating points even easier. They really do deliver an all-round amazing experience...

Jeremy W
— Sydney —

May 2019

You will not have to pay an annual fee with one of their credit cards! It is not a scam; I love being able to save money that can be put to better use on the things that I love.

Jessie G
— Wellington —

Coles Contact

Contact Number


  • not available


Physical Address

Postal Address

  • Insurance Australia Limited PO Box 16042 Collins St West, Victoria, 8007, Australia

Opening Hours

  • Monday 08:00 – 21:00
  • Tuesday 08:00 – 21:00
  • Wednesday 08:00 – 21:00
  • Thursday 08:00 – 21:00
  • Friday 08:00 – 21:00
  • Saturday 08:00 – 18:00
  • Sunday 08:00 – 18:00