Coles no annual fee 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 19.99% p.a on purchases and collect flybuys points when you shop at Coles Supermarkets.


Coles No annual fee MasterCard Benefits

  • Offers 2 points for every $1you  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.
  • Also, flybuys  points is 1 points per $2 on eligible spend.

Coles No Annual Fee MasterCard Fees | Rates

  • Annual fee charge is -$0
  • Paper statement fee $2.00 / statement
  • Purchase interest Rate is 19.99%p.a
  • 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 – None

Criteria for Application

To apply for Coles No annual fee 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 No annual fee MasterCard

To activate the Coles  No Annual fee MasterCard via online

  • Go to Coles No annual Fee MaaterCard 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 No Annual fee 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 No Annual fee MasterCard

  • Go to the Login page of Coles No Annual fee  MasterCard
  • Enter your username and password
  • Click on “Login” link to access your account

To Recover Coles No annual fee 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 No Annual Fee MasterCard Bill Payment

  • Go to homepage of Coles No Annual fee 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 No Annual Fee MasterCard  Customer Service Number

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

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