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Earn value with perks and interest-free periods
The Coles No Annual Fee Mastercard gives Australians a cost-free way to manage credit while earning perks. It’s a straightforward option that turns everyday purchases into Flybuys points.
This card is the result of a partnership between Coles and NAB, combining retail convenience with trusted financial backing to deliver a practical and user-friendly credit solution.
It’s ideal for those who appreciate ease, affordability, and dependable service. Let’s explore how it might fit your financial habits and spending routine.
| Feature | Details |
|---|---|
| Credit Score | Not specified; standard credit assessment applies |
| Annual Fee | $0 – No annual fee ever |
| APR | 20.74% p.a. on purchases and cash advances |
| Rewards | Earn 1 Flybuys point per $2 on eligible purchases up to $5,000 per month |
Credit Card
Coles No Annual Fee Mastercard
Key Benefits of the Coles No Annual Fee Mastercard
A notable advantage of this card is earning Flybuys points on qualified spending, allowing users to get more from purchases they already make.
Cardholders can also benefit from up to 44 interest-free days, provided they repay their full balance by the statement’s due date, helping them better manage short-term cash flow.
A $1,000 minimum credit limit makes this card accessible to a wide group of consumers, including those new to credit or rebuilding their financial standing.
Users can enjoy added convenience with compatibility across major digital wallets including Apple Pay, Samsung Pay, and Google Pay.
Coles No Annual Fee Mastercard: Strengths and setbacks
Understanding where the Coles No Annual Fee Mastercard excels — and where it might fall short — can help you decide if it’s a practical fit for your needs.
Favorable attributes
- No annual fee commitment: Use the card without worrying about yearly charges that eat into your budget.
- Points from purchases: Earn Flybuys points for spending on eligible transactions, making shopping more rewarding.
- Generous interest-free period: Benefit from up to 44 days with no interest if you pay off the balance on time.
- Support for digital wallets: Tap and pay securely with Apple Pay, Google Pay, and Samsung Pay.
Unfavorable attributes
- Elevated purchase interest rate: The 20.74% p.a. rate can lead to high costs if balances aren’t paid in full monthly.
- Limited rewards potential: For heavy spenders, the return rate may feel modest compared to higher-tier cards.
- No special balance transfer deals: There are no introductory offers for consolidating debt from other cards.
- Approval based on credit history: Standard financial checks apply, and applicants with low scores may not qualify.
Guidelines for submitting your request for Coles No Annual Fee Mastercard
Applying for the Coles No Annual Fee Mastercard is a simple process, and you can choose between digital and phone-based assistance for added support.
Conditions to qualify
You must be 18 years or older and reside permanently in Australia to apply for the card, ensuring eligibility under Australian credit law.
Financial stability is essential. Proof of regular income and manageable existing debts will be required to support your application.
Your credit profile will be evaluated to confirm your borrowing behaviour. A solid repayment history increases your approval chances.
Only new customers can apply under this offer, and applications cannot be combined with other Coles Mastercard promotions.
How to submit your application
Visit the Coles Mastercard website for a fast, fully digital application process suited for self-service applicants.
You can also call an authorised centre if you prefer step-by-step guidance during your application.
Gather your identification, employment details, and income documents before beginning to speed up the process.
Adding your Flybuys number during the application ensures points are credited once your card is activated.
Online application steps made easy
If you choose to apply online, Coles makes it easy to complete everything from home.
- Go to the Coles Mastercard site and select the No Annual Fee option.
- Click the application button to launch the secure form.
- Enter your name, contact details, and employment information.
- Provide your income, asset, and liability details as needed.
- Link your Flybuys account to begin earning points instantly.
- Carefully review each section before final submission.
- Wait for a response—many applicants receive one within minutes.
- Approved cards are sent by mail and ready to activate once received.
Credit Card
Coles No Annual Fee Mastercard
Reviewing alternative financial options: Commbank Low Rate Credit Card
If cutting down on interest is your top priority, the Commbank Low Rate Credit Card could be more suitable than the Coles alternative.
It delivers a personalised rate starting from 10.99% p.a., helping reduce finance charges for users who carry balances.
The card also includes up to 55 interest-free days and benefits like extended warranty and purchase protection insurance.
Although there’s a $6 monthly fee, it is balanced by perks like cashback rewards and smart budgeting tools through CommBank’s app.
Explore our next article to learn more about this option and see if the CommBank Low Rate Credit Card fits your lifestyle.
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