To obtain a copy of the Target Market Determination (TMD) related to this product clickhere.
Terms and conditions
Credit card criteria
Spend and credit criteria, fees and charges, terms and conditions apply. Individuals must be 18+. Offers available to new customers only and is not available with any other offer.
1You will receive 50,000 Bonus Flybuys Points when you apply for a Coles Rewards Mastercard by 30 June 2024, are approved and then spend $3,000 or more on eligible Retail Purchases (excluding Cash Advances, Balance Transfers, Special Promotions, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges, refunds and chargebacks) in the first 3 months of the Account approval date (spend period). Please note, purchases must be processed and charged to your account within the spend period. You will receive the Bonus Flybuys Points within 4 weeks of meeting the required $3,000 spend, credited to the Flybuys Membership Account linked to your Coles Mastercard. Include your Flybuys number on your application to receive this offer. This offer cannot be used in conjunction with any other offer. Your Coles Mastercard needs to be in good standing (for example – your account is not in default, suspended or closed) for the Bonus Flybuys Points to be awarded. This offer is not available when closing or transferring from another Coles branded credit card account or in conjunction with any other Coles branded credit card offer. Points will be forfeited if you close your Account before we instruct Flybuys to credit them to your Flybuys Membership Account. Standard Flybuys terms and conditions apply and are available atflybuys.com.au.
2The promotional rate of 0% p.a. will apply to Retail Purchases (excludes Cash Advances) for 6 months from the date your Account is approved, and you will need to pay the Minimum Payment Due each month. At the end of the promotional period, any outstanding Retail Purchase Balance and any new Retail Purchases will attract the applicable Annual Percentage Rate for Retail Purchases, currently 19.99% p.a for a Coles No Annual Fee Mastercard. Annual Percentage Rates are variable and subject to change. From 1 July 2024 the variable Annual Percentage Rate for Retail Purchase and Cash Advance will change to 20.74% p.a. This offer is valid until 30 June 2024. Post this advertised date; NAB reserves the right to continue, withdraw or change the offer at any time without notice. This offer is not available if you have recently closed or currently hold another Coles Credit Card. Payments will be applied to your account as per the Credit Card Terms and Conditions and Other Important Information at coles.com.au/mastercard-important-information.
3Your total Balance Transfers may not exceed 80% of your Credit Limit. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 15 months and a one-off Balance Transfer Fee of 1.5% of the Balance Transfer amount, which applies. The 15 month promotional period commences when the Balance Transfer is processed and you must make the Balance Transfer request within 3 months from approval to receive this offer. The Balance Transfer Fee of 1.5% of the Balance Transfer amount will be charged once your Balance Transfer is processed. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance and Balance Transfer fee will revert to the variable Annual Percentage Rate for Cash Advances, currently 19.99% p.a. for a Coles Low Rate Mastercard. Please note, you will be charged interest on Retail Purchases while you have a Balance Transfer. This means that all spend will be charged interest at the applicable Annual Percentage Rate from the date of the transaction.From 1 July 2024, the variable Annual Percentage Rate for Cash Advance will change to 20.74% p.a. This offer is valid until 30 June 2024. Post this advertised date NAB reserves the right to continue, withdraw or change the offer at any time without notice. This offer cannot be used in conjunction with any other offer and is not available when closing/transferring from another Coles Mastercard. For important information to consider before taking up a balance transfer, please click here for Balance Transfer information.
+The Interest Free Period applies to Retail Purchases, interest, fees and charges when you pay your full Closing Balance from your last statement by the Payment Due Date (excluding any Fixed Payment Option balance which isn’t due for payment by that Payment Due Date). No Interest Free Period is available on Cash Advances or Balance Transfers. Please note, you will be charged interest on Retail Purchases while you have a Balance Transfer.
Redeeming and earningFlybuysPoints
*For the Low Rate Mastercard, Flybuys Points are earned on Coles Spend which means Eligible Transactions at Coles Supermarkets. For the No Annual Fee Mastercard and Rewards Mastercard, Flybuys Points are earned on an eligible purchase which is an Eligible Transaction and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges, transactions made using Flybuys Points and government related transactions. Both Coles Spend and Eligible Transactions are defined in the Coles Mastercard Rewards Terms and Conditions found atwww.coles.com.au/mastercard-important-information. The number of Flybuys Points awarded is calculated by reference to the Australian dollar amount of the transaction. Flybuys points awarded for using a Coles Mastercard linked to your Flybuys Membership Account are in addition to Flybuys points awarded by Flybuys partners and will be allocated by Flybuys in accordance with the Flybuys terms and conditions found atflybuys.com.au.
