Coles Low Rate MasterCard is issued by Coles Financial Services. It is a two cards in one as it serves as MasterCard and Flybuys card. Cardholders enjoy low interest rate of 12/99% p.a on purchases and collect flybuys points when you shop at Coles Supermarkets.


Coles Low Rate MasterCard Benefits

  • Offers one points for every $2 you  spend at Coles low Rate Supermarket
  • Receives up to 55 days interest free on purchases, as you pay full balance off each months.
  • It provides Coles shield and MasterCard Zero liability guaranteed which protect you from fraud.
  • Has insurance cover if you lost, stolen or accidentally damage your card.
  • Ease access to your account online and through the app
  • Cardholders enjoy 24/7 worldwide coverage.
  • Gives 0% p.a. on purchases for 15 months.
  • Annual fee charge is low

Coles low Rate MasterCard Feeds | Rates

  • Annual fee charge is $58
  • Paper statement fee $2.00 / statement
  • Purchase interest Rate is 12.99%
  • Cash Advance – 19.99%
  • International Cash Advance Fee – $5?Last payment Fee – $10.00
  • Over the counter transaction fee is $2.25
  • International transaction fee – 2.5%

Criteria for Application

To apply for Coles low rate MasterCard, the applicant must the following requirements:

  • Must be up to 18 years and above
  • Earned a minimum income of $25,000/year
  • A permanent Australian Resident
  • Has a good credit card rating
  • Must have a government valid ID card
  • Possess an Australian mobile phone number
  • Should have existing flybuys membership number ready.

How to Apply

  • Go to Coles financial services limited application portal
  • Enter your title, first name, middle and last name
  • Key in your contact details such as mobile phone number, email address
  • Read and agree to the Electronic Communication Consent declaration
  • Click on the “continue” to complete the first phase of the application.

How to Activate Coles Low Rate MasterCard

To activate the Coles Low Rate MasterCard via online go to Coles Low Rate MasterCard homepage:

  • Enter your username and password
  • Choose your Coles pay tag
  • Navigate to “manage my card”
  • Click on “activate” to activate your credit card.

To activate the Coles Low Rate MasterCard via Mobile Wallet App:

  • Download the Coles Mobile Wallet App and the instruction to activate your card.
  • Or call at 1300 306 397 to activate your card.

How to Login Coles Low Rate MasterCard

  • Go to the Login page of Coles Low Rate MasterCard
  • Enter your username and password
  • Click on “Login” link to access your account

To Recover Coles Low Rate MasterCard Username/Password

  • Go to Login page
  • Click on “Forgot your username or password” link
  • Enter your username
  • Type in 16 digits card number
  • Click “Continue” to access your account

How to make Coles Low Rate MasterCard Bill Payment

  • Go to homepage of Coles Low Rate MasterCard
  • Enter you r username and password
  • Click on “My Payment “ and tap on “New Bill Payment”
  • Select the Credit Card which you wish to pay your bill
  • Choose “New Bill Payee”
  • Then make your bill payment

Coles Low Rate MasterCard Customer Service Number

  • Call at 1300 306 397 for general information and enquiry.

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