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Coles - No Annual Fee Mastercard

The Coles No Annual Fee Mastercard comes with an interest rate of 19.99%p.a. on purchases and up to 55 interest-free days on purchases. This credit card has an earn rate of 1 Flybuys point per 2 dollars spent on eligible purchases. There is a purchase rate of 0% for 6 months, which reverts to 19.99% thereafter.

Compare Credit CardsProduct Image For Coles - No Annual Fee Mastercard
It has a purchase rate of 0% for 6 months and an annual fee of $0.
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Annual Fee

$0 per year

Balance Transfer

19.99% p.a.

Purchase Rate

0% for 6 months reverts to 19.99% p.a.

Rewards Rate One

1 point(s) per AUD$2 On eligible purchases
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Details

Card Type
Mastercard
Minimum Repayment
2% or $30
per statement, whichever is greater
Interest Free Period
up to 55
days
Minimum Credit Limit
$1,000

Fees

Annual Fee
$0
per year
Late Payment Fee
$30
per statement
Cash Advance Fee
3% or $1.95
per transaction, whichever is greater
Additional Card Holder Fee
$0
Additional Card Holder Cap
up to 4
additional holders

Rates

Purchase Rate
0% for 6 months
reverts to 19.99% p.a.
Cash Advance Rate
19.99% p.a.

Balance Transfer

Balance Transfer
19.99% p.a.

Overseas Spending

Foreign Currency Conversion Fee
2.50%
per transaction
Overseas Cash Advance Fee
5%
per transaction

Eligibility

Minimum Age
18
years old
Temporary Residents
No

Rewards

Program
Flybuys
Types
Flybuys points

Reward Rates

Rewards Rate One
1 point(s) per AUD$2
On eligible purchases

Perks

Complimentary Travel Insurance
No
Airport Lounge Access
No

Who is the product designed for?

The target market for the Product is individuals who:

  • are seeking a line of credit facility for everyday spending to earn Flybuys Points and make use of complimentary insurance that has no annual fee.
  • are an existing Flybuys member or are seeking to be a Flybuys member.
  • meet eligibility criteria and serviceability requirements for the Product.
  • are unlikely to hold substantial balances for prolonged periods except to take advantage of reduced interest rates and instalment repayments on a Fixed Payment Option or a Balance Transfer (including holding a Balance Transfer for longer than the period during which a reduced interest rate applies).
Visit Coles to view Target Market Determination Effective From: 2023-10-03.

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