Coles No Annual Fee Mastercard

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.

Credit cardsBank updated 16 Sept 2026

Apply at Coles Credit Cards ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Purchase rate: 21.99%
Cash advance: 21.99%
Interest-free days: 44
Annual fee: $0
Foreign transaction fee: 3.00%
Rewards: Flybuys

How it compares

This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

Typical 12.49%

8%10%12%14%16%18%20%22%to 27.3%

This credit card: 21.99%Every other institution's lowest, 50 in all

Ongoing purchase rate, not introductory offers. One dot per institution, at its lowest credit card purchase rate anyone can apply for; hover or tap a dot for its name.

Rate	This credit card	Best anywhere	Typical institution	Where it sits
Any credit cardOngoing purchase rate, not introductory offers	21.99%	7.49%Unity Bank's Low Rate Visa Credit Card	12.49%of 51 institutions	49th lowest of 51, level with one other
No annual feeOngoing purchase rate	21.99%	10.99%American Express' Low Rate Credit Card from American Express®	14.84%of 10 institutions	9th lowest of 10, level with one other
Rewards cardOngoing purchase rate on a card that earns points	21.99%	12.99%Virgin Money Australia's Virgin Money Low Rate Credit Card	20.99%of 25 institutions	16th lowest of 25, level with one other
Interest-free daysDays without interest on purchases when the balance is paid in full	44 days	62 daysBeyond Bank Australia's Low Rate Credit Card	55 daysof 42 institutions	37th longest of 42, level with 4 others

Rates

Every rate Coles Credit Cards publishes for this credit card, 2 in all.

Type	Applies to	Term	Band	Rate	Comparison	Conditions
Cash advanceInterest on cash advances	-	-	-	21.99%	-	-
PurchaseInterest on purchases	-	-	-	21.99%	-	-

Rate changes

2 changes logged, newest first.

Date	Rate	Was	Now	Change
2 Oct 2026	Cash advance	20.74%	21.99%	up 1.25
2 Oct 2026	Purchase	20.74%	21.99%	up 1.25

Each change is logged the night it appears in the rates Coles Credit Cards publishes. See how every lender answered the RBA on the rate tracker.

Fees

7 fees published, grouped by when they're charged.

While you hold it1

Annual Fee
No fee

When you make a transaction4

Domestic Cash Advance Fee
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…
3.00% of transaction
International Cash Advance Fee
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 Transac…
$5
International Transaction Fee
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…
3.00% of transaction
Over-the-Counter Transaction Fee
You will be charged A$2.25 for each payment made to your Account at Australia Post outlets by cash or EFTPOS.
$2.25

If a payment is late or fails1

Late Payment Fee
$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…
$30 15 days after it's due

When particular things happen1

Paper Statement Fee
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…
$2

Features

Digital bankingFraud protectionBalance transfersInstalment plans44 interest-free days4 additional cardsApple PaySamsung PayGoogle PayFlybuysComplimentary insurance

Eligibility and limits

Minimum age 18
Residency: Must be an Australian resident
Available to individuals
Amount $1,000 to $60,000

Compare it with others

All credit cards Other Coles Credit Cards credit cards Everything Coles Credit Cards publishes

Put this product through a calculator

Published by Coles Credit Cards under the Consumer Data Right, last changed by them on 16 Sept 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.