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 September 14, 2021]

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.

We are part of the Wesfarmers group and have a growing network of retail outlets around the country. Currently, there are over 2,200. This number includes the 620 express outlets which we run.

Bringing you the best

Coles Financial Services is dedicated to providing Australians with credit cards of the highest quality. Our cards are linked to flybuys and this makes the earning of more points even faster.

We work in cooperation with GE Money to deliver the best experience to the holders of our credit cards.

A dedicated provider of financial services

It has been operating in Australia and New Zealand for more than 80 years. They are responsible for managing credit card customer relationships.

This involves processing online loan applications, issuing authorisations, billing and providing customer support.

Coles Services

Credit Cards are the ideal tools for managing your budget and for getting well-deserved treats from luxury items to family holidays.

Coles offer a range of cards. There is a card suitable for virtually any lifestyle and budget.  You can opt for a credit card which enables you to earn flybuys points easily and quickly. The more points you have, the better the discounts will be. You will benefit greatly from one of the top reward programs around.

Coles credit card – No annual fee

You can choose a credit card that comes without an annual fee. You will never have to pay such a fee while using the card.

Save time, effort and money

With Coles credit cards, shopping is much easier and more convenient. You can readily compare the available credit options directly on our website to save time, effort and money.

You are the one who makes the final choice. As a Coles cardholder, you will use dedicated customer service based on experience and expertise.

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

Coles Credit Cards in Australia is here to help you with the selection in applying for a credit card. We offer a versatile and flexible credit card solution for clients needed and an instant credit facility.

With Coles credit cards in Australia, you get the best financial services offered. We constantly look for new and innovative ways to improve our quality and service delivery to our clients.

Offering premium brands and premium solutions to make your life a little easier.

We make managing your finances easy

With a consumer service of experienced staff on hand at any time to deliver advice and answer any questions and queries you may have relating to your credit card account.

When shopping at one of our preferred stores, your immediately get points just for swiping your card.

We give back to our clients

Our customers can enjoy good quality online personal loan products offering benefits to happy clients for over a century.

We know the financial industry well, our staff are knowledgeable and experts in assisting with whatever advice you may need.

A responsible lender

We enforce responsible lending and offer helpful lending tips to our valued clients. Should you wish to enquire about our incredible MasterCard deal, you can enjoy no annual fees.

You can earn Flybuy points with every purchase at selected stores and reap the benefits.

You get 1 point for every $2 spent

Shop at a Coles selected supermarket and get an instant discount on your purchases. Your application for this superior credit card offer is so simple, and quick.

A real easy online loan application on our site and you will have your application approved in minutes.

Before no time at all, having a Coles Credit Card in hand will open up a world of financially remarkable, valuable and affordable financial options to Australian families.

With a Coles MasterCard option you get:

  • NO annual fee
  • Free delivery at Coles online using your Coles Credit Card
  • Up to 62 days interest-free on purchases when you pay the full balance off each month
  • 19.99% on purchases and cash advances.
  • Security and fraud protection
  • The convenience of MasterCard PayPass
  • Access your account easily online
  • Additional credit cards available with one convenient statement
  • Platinum No Annual Fee MasterCard
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, as well as the National Consumer Credit Protection Regulations 2010, 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