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A Coles Rewards MasterCard is the fastest way to earn flybuys points. Apply today.

Quick features guide

  • 2 points per $1 you spend everywhere - that’s on top of the usual flybuys points1 from other partners. For example when you shop at Coles Supermarkets with your new Coles MasterCard you will collect 3 points for every dollar you spend when you scan the flybuys barcode on your card.
  • MasterCard and flybuys card in one so you only have to carry one card instead of two.
  • Coles Mobile Wallet lets you pay and collect flybuys points with your phone, while keeping track of your purchases for your convenience and control.
  • Low $49 annual fee.
  • Up to 62 days interest free on purchases when you pay your full balance off each month
  • Get $10 off your Coles Supermarket shop, instantly at the till, every time you redeem 2,000 flybuys points2.
  • Superior Security and fraud protection – the Falcon™ fraud management system and our zero liability guarantee give you peace of mind.
  • Convenience of MasterCard PayPass - for amounts under $100, simply Tap & Go with your Coles MasterCard, or enter a PIN for amounts over $100.
  • Free delivery every time you spend $100 or more and pay with your Coles MasterCard at Coles online3.
  • Interest rate is 19.99% p.a on purchase and cash advances.
  • Access your account easily online.
  • Additional cards available for family or friends with one convenient statement.
  • Platinum MasterCard with even more benefits if you’re approved for a certain credit limit.

Rewards calculator

New to flybuys or just want to see how quickly your points could stack up with your everyday spend? See our flybuys rewards calculator.

Rates and Fees

Fee/charge Amount More information
Annual fee $49 NA
Interest rate 19.99% p.a The interest you pay on purchases and cash advances.
Cash advance fee 3% of the cash advance/cash equivalent transaction or $1.95 - whichever is greater A cash advance fee will be charged to your account on each occasion you obtain a cash advance or carry out a cash equivalent transaction.  Some ATMs may charge an additional usage fee.  This usage fee can be avoided by using Westpac ATMs.
International ATM Fee $4 in addition to the cash advance fee This is charged on each occasion you withdraw cash from an automatic teller machine outside Australia.
International (OTC) Fee $5 in addition to the cash advance fee This is charged on each occasion you withdraw cash outside Australia via an over the counter transaction.
International transaction fee 2.5% on all purchases and cash This is charged when you obtain funds or make a purchase outside of Australia or in a foreign currency.
Late fee $20.00 This is charged if you do not pay any amount that is due and payable (e.g. your minimum monthly payment) by the due date.
Australia Post payments $2.00 This is the cost incurred from making a payment at Australia Post.
Paper statement fee 50 cents per statement You can avoid this fee by opting to receive statements online. Simply login to the Online Service Centre and switch for online statements.

Platinum Rewards MasterCard


You can enjoy the same great features and even more with our Platinum Rewards MasterCard if you’re approved for a credit limit over $6,000 when you apply. 

These benefits include complimentary access to our 24/7 worldwide concierge service, as well as Merchandise Protection Insurance, which protects the items you buy with your card from if lost, stolen or damaged.


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1 flybuys points awarded for using a Coles MasterCard linked to your flybuys membership are in addition to flybuys points awarded by flybuys partners. Eligible transactions are explained in the Coles MasterCard Loyalty Terms and Conditions. Eligible transactions exclude cash advances, credit fees or charges, credits, refunds, reimbursements, business purchases or balance transfers into your account. Standard flybuys Terms and Conditions apply, see Note that partners’ earn rates vary. To upgrade to a Coles MasterCard to collect flybuys points everywhere call 1300 306 397. 

2 2,000 flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express, Coles Local and Coles Online. Minimum spend is $10.05 after savings and discounts in one transaction at Coles Supermarkets and BI-LO (excluding smoking/tobacco related product purchases, Coles Group gift cards and iTunes cards).

3 Receive free delivery each time you spend $100 or more, after savings and discounts, with a Coles MasterCard at Offer can be withdrawn at any time. Offer excludes tobacco and tobacco related purchases and remote delivery orders. To see if we deliver to your area, visit and enter your postcode. Normal delivery terms and conditions apply.

Coles Rewards MasterCard awarded 5 Stars by CANSTAR for outstanding value in 2014 based on General Rewards and Cash/Voucher Rewards with a $12,000 annual spend and awarded 5 Stars by CANSTAR for Credit Cards and Innovation in 2012.


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