Coles Credit Cards
Coles No Annual Fee Mastercard
Coles Credit Cards · cred and chrg cards
Provider last updated this product 2026-04-28.
Go to provider
You'll complete your application on
Coles Credit Cards's website. Confirm the rate and fees with them
before applying.
The Product is a no annual fee credit card that provides individuals with a line of credit facility and the ability to earn fluybuys point without paying an annual fee.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 20.74% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Interest on purchases | |||||||
| CASH ADVANCE | 20.74% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Interest on cash advances | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Annual Fee | PERIODIC | $0 | - |
| Late Payment Fee | LATE_PAYMENT | $30 | $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account. |
| Domestic Cash Advance Fee | CASH_ADVANCE | 3.00% | A Domestic Cash Advance Fee will apply of A$1.95 per transaction amount under A$65.00, and 3.00% of the transaction amount for any transaction equal to or over A$65.00, debited to your Account on the Transaction Date. |
| International Cash Advance Fee | CASH_ADVANCE | $5 | An International Cash Advance Fee will apply of A$5.00 per transaction for Cash Advance outside of Australia, debited to your Account on the Transaction Date, in addition to the International Transaction Fee per transaction. |
| International Transaction Fee | TRANSACTION | 3.00% | An International Transaction Fee will apply of 3.00%, debited to your Account on the Transaction Date, of which a service and assessment fee of 1.10% is payable by us to Mastercard, for any Retail Purchase or Cash Advance transaction in Foreign currency once converted to Australian dollars; and/or Australian dollars (or any other currency). |
| Over-the-Counter Transaction Fee | TRANSACTION | $2.25 | You will be charged A$2.25 for each payment made to your Account at Australia Post outlets by cash or EFTPOS. |
| Paper Statement Fee | EVENT | $2 | You will be charged a Paper Statement Fee of A$2.00 each month we issue you with a paper statement, debited to your Account in the following Statement Period. This fee may be waived in limited circumstances.", |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 20.74% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18
- residency status - Must be an Australian resident
- natural person
Limits
- max limit - 60000.00
- min limit - 1000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-04-28T00:12:00Z · Product ID: d2f29089-d0ee-44bc-bd6f-05f6419841b7