Coles Credit Cards
Coles Rewards Platinum Mastercard
The Product is rewards credit card that provides individuals with a line of credit facility, the ability to earn Flybuys Points and access to complimentary insurances.
Credit cardsBank updated 28 Apr 2026
At a glance
- Purchase rate
- 20.74%
- Cash advance
- 20.74%
- Interest-free days
- 44
- Annual fee
- $99
- Foreign transaction fee
- 3.00%
- Rewards
- Flybuys
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceInterest on cash advances | — | — | — | 20.74% | — | — |
| PurchaseInterest on purchases | — | — | — | 20.74% | — | — |
§ 02 — Fees · 7
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Domestic Cash Advance Fee | Cash advance | 3.00% of transaction | — | 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… |
| International Cash Advance Fee | Cash advance | $5 | — | $5 per Transaction for a Cash Advance outside of Australia, debited to your Account on the Transation Date. |
| 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 circum… |
| Late Payment Fee | Late payment | $30 | 15 days after due | $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… |
| Annual Fee | Periodic | $99 | Every 1 yr | — |
| International Transaction Fee | Transaction | 3.00% of transaction | — | 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 Pu… |
| 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. |
§ 03 — Features
Digital bankingFraud protectionBalance transfersInstalment plans44 interest-free days4 additional cardsApple PaySamsung PayGoogle PayFlybuysComplimentary Insurance
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Must be an Australian resident
- · Available to individuals
- · Amount $1,000 to $60,000
§ 05 — Compare
§ 06 — Run the numbers
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Published by Coles Credit Cards under the Consumer Data Right, last changed by them on 28 Apr 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.