Coles Credit Cards
Coles Credit Cards
Coles No Annual Fee MastercardBalance transfers · Additional cards · Insurance
$0annual fee
44interest-free days
Flybuysrewards program
20.74%purchase rate p.a.
Compare Credit cards
Credit cards
Annual fees and interest rates, with nowhere to hide. Free, no sign-up.
Why do you want a new card?
Points on your spending. Ranked by annual fee - the price of the points - and you can pick a program in the filters.
Points only pay off if you clear your balance monthly — if you carry a balance, that matters more than any program ›
Not sure which? The 60-second guide ›
How to choose a credit card — the 60-second version
| Your situation | Use this view | Ranked by |
|---|---|---|
| Pay in full monthly | I pay my balance in full | annual fee |
| Carry a balance | I carry a balance | cost per year |
| Moving card debt | I'm moving debt | 0% window |
| Chasing points | I want rewards | annual fee |
| Not sure / browsing | Show everything | purchase rate |
Start with one fact about yourself: what happens to the balance each month. Every number on a credit card matters differently depending on the answer.
You pay in full every monthIf the balance is paid in full every month — the purchase rate never applies to you. The numbers that do: the annual fee (the card's actual yearly cost), interest-free days (how long purchases sit unbilled — 44 vs 55 days is the published range; the count only applies when the previous statement was paid in full), and whether it earns points. This is the "I pay my balance in full" view, ranked by fee.
You carry a balanceIf a balance is carried — the purchase rate is most of the card's cost, and points arithmetic works against you: interest on a carried balance typically exceeds the value of points earned on the spending. The number built for this case is cost per year — fee plus interest on an example carried balance — shown in the "I carry a balance" view, ranked by that figure.
You're moving existing card debtIf the plan is moving existing card debt — three numbers together, never one: the 0% window (how long transferred debt sits interest-free), the transfer fee (usually a percentage of the amount moved, charged up front), and the revert rate (what the remaining balance is charged after the window ends). A long window with a high transfer fee and revert rate can cost more than a shorter, cheaper one — the "I'm moving debt" view shows all three side by side.
| Number | What it is | When it costs you |
|---|---|---|
| 0% window | how long transferred debt sits interest-free | after the window ends |
| transfer fee | usually a percentage of the amount moved | charged up front |
| revert rate | what the remaining balance is charged | after the window ends |
If points are the goal — the annual fee is the price of the points, which is why that view ranks by fee. Earn rates are tiered and capped differently per card; the published structure is on each card's Details page. Program names (Qantas, Flybuys, bank programs) are shown per card — points in different programs aren't directly comparable numbers.
Just want a simple everyday card?You clear the balance every month, so interest never applies - the annual fee is the whole cost. The everyday card: lowest fee first.
In every viewTwo facts that apply to every view: cards with restricted eligibility (business customers, minimum income, membership) are excluded from the default list and counted at the end of it — "include specialty credit cards" restores them, labelled. And cards don't publish comparison rates, so the purchase rate is not a total-cost figure — fees sit beside it as their own column.
Factual information only — not a recommendation. Confirm any figure with the provider before applying.
annual fee▲interest-free days
rewards programpurchase rate p.a.
What's this?
A card's interest-free days are the most a purchase can sit unbilled: a statement period plus the days to that statement's due date, counted from the first day of the period, so a purchase made later in the period has fewer. The count applies only while the previous statement's closing balance was paid in full by its due date; once a balance is carried, purchases attract interest from the day they are made until the balance is cleared again. Providers publish the maximum, and that is the figure shown.
Coles Credit Cards
American Express
American Express · non-bank lender
The Qantas American Express Discovery CardAdditional cards · Insurance · Digital wallet
$0annual fee
44interest-free days
Qantas Frequent Flyerrewards program
23.99%purchase rate p.a.
Bank of China
Balance transfers · Additional cards · Unlimited txns
$40annual fee
50interest-free days
Rewards Pointsrewards program
19.99%purchase rate p.a.
Coles Credit Cards
Coles Credit Cards
Coles Low Rate MastercardBalance transfers · Additional cards · Insurance
$58annual fee
55interest-free days
Flybuysrewards program
13.49%purchase rate p.a.
Bank of China
Bank of China
Bank of China Global UnionPay CardBalance transfers · Additional cards · Unlimited txns
$60annual fee
50interest-free days
Rewards Pointsrewards program
19.99%purchase rate p.a.
Bank of Melbourne
Bank of Melbourne
VertigoExtra repayments · Balance transfers · Additional cards
$84annual fee
55interest-free days
ShopBack partnerrewards program
13.99%purchase rate p.a.
BankSA
BankSA
VertigoExtra repayments · Balance transfers · Additional cards
$84annual fee
55interest-free days
ShopBack partnerrewards program
13.99%purchase rate p.a.
St.George Bank
St.George Bank
Rainbow Vertigo CardExtra repayments · Balance transfers · Additional cards
$84annual fee
55interest-free days
ShopBack partnerrewards program
13.99%purchase rate p.a.
St.George Bank
St.George Bank
VertigoExtra repayments · Balance transfers · Additional cards
$84annual fee
55interest-free days
ShopBack partnerrewards program
13.99%purchase rate p.a.
Bendigo Bank
Bendigo Bank
Platinum Rewards Credit CardBalance transfers · Additional cards · Insurance
$89annual fee
55interest-free days
Bendigo Bank Rewardsrewards program
19.99%purchase rate p.a.
ANZ
Balance transfers · Additional cards · Insurance
$94annual fee
44interest-free days
ANZ Rewards Pointsrewards program
22.49%purchase rate p.a.
American Express
American Express · non-bank lender
The American Express Velocity Escape Plus CardAdditional cards · Insurance · Digital wallet
$95annual fee
55interest-free days
Velocity Frequent Flyerrewards program
23.99%purchase rate p.a.
Coles Credit Cards
Coles Credit Cards
Coles Rewards MastercardBalance transfers · Additional cards · Insurance
$99annual fee
44interest-free days
Flybuysrewards program
20.74%purchase rate p.a.
Bank of China
Balance transfers · Additional cards · Unlimited txns
$100annual fee
50interest-free days
Rewards Pointsrewards program
19.99%purchase rate p.a.
American Express
American Express · non-bank lender
American Express Essential® Rewards Credit CardAdditional cards · Insurance · Digital wallet
$108annual fee
55interest-free days
Amex Membership Rewardsrewards program
23.99%purchase rate p.a.
Great Southern Bank
Great Southern Bank
Platinum Credit CardAdditional cards · Insurance · Digital wallet
$144annual fee
55interest-free days
Cashbackrewards program
19.99%purchase rate p.a.
Bendigo Bank
Bendigo Bank
Qantas Platinum Credit CardBalance transfers · Additional cards · Insurance
$149annual fee
55interest-free days
Qantas Frequent Flyerrewards program
19.99%purchase rate p.a.
Bank of Melbourne
Bank of Melbourne
Amplify Qantas PlatinumExtra repayments · Additional cards · Insurance
$175annual fee
45interest-free days
Qantas Frequent Flyerrewards program
23.98%purchase rate p.a.
Bank of Melbourne
Bank of Melbourne
Amplify Rewards PlatinumExtra repayments · Additional cards · Insurance
$175annual fee
45interest-free days
Amplify Rewardsrewards program
23.98%purchase rate p.a.
BankSA
BankSA
Amplify Qantas PlatinumExtra repayments · Additional cards · Insurance
$175annual fee
45interest-free days
Qantas Frequent Flyerrewards program
23.98%purchase rate p.a.
BankSA
BankSA
Amplify Rewards PlatinumExtra repayments · Additional cards · Insurance
$175annual fee
45interest-free days
Amplify Rewardsrewards program
23.98%purchase rate p.a.
St.George Bank
St.George Bank
Amplify Qantas PlatinumExtra repayments · Additional cards · Insurance
$175annual fee
45interest-free days
Qantas Frequent Flyerrewards program
23.98%purchase rate p.a.
St.George Bank
St.George Bank
Amplify Rewards PlatinumExtra repayments · Additional cards · Insurance
$175annual fee
45interest-free days
Amplify Rewardsrewards program
23.98%purchase rate p.a.
Qudos Bank
Qudos Bank
VISA Platinum Credit CardDigital wallet · Digital banking · Card access
$189annual fee
55interest-free days
Qantas Frequent Flyerrewards program
18.99%purchase rate p.a.
Bank Australia
Bank Australia
Platinum Visa Credit CardAdditional cards · Digital wallet · Digital banking
$189annual fee
55interest-free days
Qantas Frequent Flyerrewards program
20.24%purchase rate p.a.
NATIONAL AUSTRALIA BANK
NATIONAL AUSTRALIA BANK
NAB Rewards Platinum CardBalance transfers · Additional cards · Insurance
$195annual fee
44interest-free days
NAB Rewardsrewards program
20.99%purchase rate p.a.
American Express
American Express · non-bank lender
American Express® Platinum Edge Credit CardAdditional cards · Insurance · Digital wallet
$195annual fee
55interest-free days
Amex Membership Rewardsrewards program
23.99%purchase rate p.a.
Bankwest
Bankwest
Bankwest Qantas Platinum MastercardBalance transfers · Additional cards · Insurance
$199annual fee
44interest-free days
Qantas Frequent Flyerrewards program
19.99%purchase rate p.a.
MyCard
MyCard
MyCard RewardsBalance transfers · Additional cards · Insurance
$199annual fee
44interest-free days
MyCard Rewards Programrewards program
22.49%purchase rate p.a.
CommBank
CommBank
Smart credit cardExtra repayments · Additional cards · Insurance
$228annual fee
44interest-free days
CommBank Yello Programrewards program
20.99%purchase rate p.a.
ANZ
Balance transfers · Additional cards · Insurance
$240annual fee
44interest-free days
Qantas Frequent Flyerrewards program
22.49%purchase rate p.a.
American Express
American Express · non-bank lender
The Qantas American Express Premium CardAdditional cards · Insurance · Digital wallet
$249annual fee
44interest-free days
Qantas Frequent Flyerrewards program
23.99%purchase rate p.a.
Bankwest
Bankwest
Bankwest More World MastercardBalance transfers · Additional cards · Insurance
$270annual fee
44interest-free days
More Rewardsrewards program
14.99%purchase rate p.a.
NATIONAL AUSTRALIA BANK
NATIONAL AUSTRALIA BANK
NAB Qantas Rewards Premium CardBalance transfers · Additional cards · Insurance
$295annual fee
44interest-free days
Qantas Frequent Flyerrewards program
20.99%purchase rate p.a.
Bank of Melbourne
Bank of Melbourne
Amplify Qantas SignatureExtra repayments · Additional cards · Insurance
$295annual fee
45interest-free days
Qantas Frequent Flyerrewards program
23.98%purchase rate p.a.
Bank of Melbourne
Bank of Melbourne
Amplify Rewards SignatureExtra repayments · Additional cards · Insurance
$295annual fee
45interest-free days
Amplify Rewardsrewards program
23.98%purchase rate p.a.
BankSA
BankSA
Amplify Qantas SignatureExtra repayments · Additional cards · Insurance
$295annual fee
45interest-free days
Qantas Frequent Flyerrewards program
23.98%purchase rate p.a.
BankSA
BankSA
Amplify Rewards SignatureExtra repayments · Additional cards · Insurance
$295annual fee
55interest-free days
Amplify Rewardsrewards program
23.98%purchase rate p.a.
St.George Bank
St.George Bank
Amplify Qantas SignatureExtra repayments · Additional cards · Insurance
$295annual fee
45interest-free days
Qantas Frequent Flyerrewards program
23.98%purchase rate p.a.
St.George Bank
St.George Bank
Amplify Rewards SignatureExtra repayments · Additional cards · Insurance
$295annual fee
45interest-free days
Amplify Rewardsrewards program
23.98%purchase rate p.a.
UNITY BANK
UNITY BANK
Platinum Visa Credit CardAdditional cards · Unlimited txns · Free txns
$299annual fee
50interest-free days
Qantas Frequent Flyerrewards program
19.99%purchase rate p.a.
MyCard
MyCard
MyCard PremierBalance transfers · Additional cards · Insurance
$300annual fee
44interest-free days
MyCard Rewards programrewards program
22.49%purchase rate p.a.
Bankwest
Bankwest
Bankwest Qantas World MastercardBalance transfers · Additional cards · Insurance
$320annual fee
44interest-free days
Qantas Frequent Flyerrewards program
19.99%purchase rate p.a.
ANZ
Balance transfers · Additional cards · Insurance
$320annual fee
44interest-free days
ANZ Rewards Pointsrewards program
22.49%purchase rate p.a.
MyCard
MyCard
MyCard Premier QantasBalance transfers · Additional cards · Insurance
$350annual fee
44interest-free days
Qantas Frequent Flyerrewards program
22.49%purchase rate p.a.
ANZ
Balance transfers · Additional cards · Insurance
$370annual fee
44interest-free days
Qantas Frequent Flyerrewards program
22.49%purchase rate p.a.
American Express
American Express · non-bank lender
American Express® Platinum Reserve Credit CardAdditional cards · Insurance · Digital wallet
$395annual fee
55interest-free days
Amex Membership Rewardsrewards program
23.99%purchase rate p.a.
American Express
American Express · non-bank lender
The American Express® Explorer Credit CardAdditional cards · Insurance · Digital wallet
$395annual fee
55interest-free days
Amex Membership Rewardsrewards program
23.99%purchase rate p.a.
CommBank
CommBank
Ultimate credit cardExtra repayments · Additional cards · Insurance
$420annual fee
44interest-free days
CommBank Yello Programrewards program
20.99%purchase rate p.a.
NATIONAL AUSTRALIA BANK
NATIONAL AUSTRALIA BANK
NAB Qantas Rewards Signature CardBalance transfers · Additional cards · Insurance
$420annual fee
44interest-free days
Qantas Frequent Flyerrewards program
20.99%purchase rate p.a.
64 specialty credit cards are hidden
Include specialty credit cardsShowing the first 50 of 53 - use the filters to narrow down.
LookFirst does not compare every provider or product in the market. Important information
Non-bank lenders began publishing product data under the Consumer Data Right on 13 July 2026. Some of their products are voluntary to publish (consumer leases, reverse mortgages, margin loans, novated, fleet and other non-standard vehicle finance, and any product with under 1,000 customers), some lenders hold exemptions from the ACCC, and lenders below the size threshold are not obliged to publish at all, so some lenders and products are not here.
Ranked for paying in full: you pay no interest when you clear your balance each month, so cards are ordered by annual fee alone, with the purchase rate as tiebreaker. Cards that don't publish a fee are listed last, marked not stated - confirm with the provider. Carry a balance some months? Switch above to include interest.
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