Coles No Annual Fee MasterCard – No-annual – Fee credit card

Coles No Annual Fee MasterCard, just as the name implies, is a no-annual-fee credit card from Coles Financial Services. This card enables cardholders to earn flybuys points on all eligible purchases. When you accrue up to 2,000 flybys points, you get to save $10 instantly at a Coles Supermarket checkout. Cardholders also enjoy free delivery when they spend $100 or more at Coles online. Apply for this credit card today and get a response in 60 seconds.

Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard Benefits

  • Firstly, cardholders collect 1 point per eligible spend
  • Secondly, charges no annual fee for card usage
  • Thirdly, get $10, off your Coles supermarket shop instantly at the checkout every time you redeem 2,000 flybuys points
  • Offers free delivery at Coles online, Via your Coles credit card
  • It’s Free Coles Mobile Wallet App enables you to view and activate flybys offers with your phone, and at the same time, keep track of your purchases for your convenience and control
  • Combines Coles MasterCard and flybuys card in one, enabling you to carry just one card instead of two.
  • Gives up to 55 days interest-free, on purchases for 15 months. With an ongoing interest rate of 19.99% p.a. on purchases and cash advances
  • Shop with peace of mind, as the Coles Shield and MasterCard Zero Liability Guarantee secures and protects you from fraud
  • You can easily access your account online
  • Offers additional cards, with one convenient statement
  • Enjoy complimentary access to Coles 24/7 worldwide concierge
  • It’s a complimentary insurance package, protects the items you purchase with your card, in case they’re permanently lost, stolen, or accidentally damaged.

Coles No Annual Fee MasterCard Fees/Rates

  • Annual Fee – $0
  • Introductory Offer – 0% p.a. for 15 months
  • Ongoing Interest Rate – 19.99%
  • International Cash Advance Fee – $5
  • International Transaction Fee – 2.50%
  • Late Payment Fee – $10.00
  • Over-the-Counter Transaction Fee – $2.25
  • Paper Statement Fee – $2.00 per statement.

How to Apply for Coles No Annual Fee MasterCard

Eligibility Requirements

  • Applicant must be at least 18 years of age
  • Must earn a minimum income of $25,000 per year or more
  • Should be a permanent Australian resident
  • A good credit rating is required
  • Posses an Australian mobile phone number
  • An email address is needed to enable you to receive electronic statements, and other communications through email
  • Should have existing flybys membership number ready.

How to Apply

  • Go to Coles Financial Services Limited Application Portal
  • In the fields provided, enter the following details; Title, First name, Middle name, Last name.
  • In the contact details section, enter the following details; Mobile phone, Email.
  • Read thru, and agree to the Electronic Communication Consent Declaration
  • Tap on the “Continue” link, to complete the first phase of the application.

How to Activate Coles No Annual Fee MasterCard

To activate your newly acquired Card;


  • Scroll to and log in using your username and password
  • Choose your Coles Pay Tag
  • Navigate to “Manage My Card”, and tap on “Activate”, to activate your card.

Via Coles Mobile Wallet App

Download the Coles Mobile Wallet App, and follow the prompts, to activate your card.

Via Phone
Call at 1300 306 397, to activate your card.

How to Login Coles No Annual Fee MasterCard

To gain access to your credit card account;

  • Scroll to Login Page
  • Type in your Username and Password
  • Tap on the “Login” link, to access your account.

How to Recover Coles No Annual Fee MasterCard


  • On the login page, click on the “Forgot your Username or Password” link.


  • Enter your Username
  • Enter your 16 digit card number, which is on your card, or on your statement.


  • Enter your 16 digit card number, which is on your card, or on your statement.

How to Make Coles No Annual Fee MasterCard Bill Payment

You can make your bill payment via BPAY. To do this;

  • Go to, and log in with your username and password
  • Tap on “My Payments” and tap on “New Bill Payment”
  • Choose the CC, with which you wish to pay your bill, thereafter, choose “New Bill Payee”
  • Go through with the instructions and make your bill payment.

Coles No Annual Fee MasterCard Customer Service Number

Call: 1300 306 397, to gain access to a customer care agent.

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