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Coles No Annual Fee Mastercard: 20,000 Bonus flybuys Points With An Eligible Retail Purchase In The First 30 Days

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Collect 20,000 BONUS POINTS when you apply for a Coles No Annual Fee or Low Rate Mastercard® and make an eligible retail purchase in the first 30 days

Offer valid until Sat 31 Oct 2020.
Terms and Conditions

  • Credit criteria, fees and charges, terms and conditions apply. Individuals must be 18+. New customers only who apply for a Coles No Annual Fee Mastercard by 31 October 2020. Your 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 14 months and to the one-off Balance Transfer Fee of 1.5% of the Balance Transfer amount, which applies. The 14 months promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within 90 days 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 Annual Percentage Rate for Cash Advances, currently 19.99% p.a. Please note you are not entitled to any interest free days on purchases whilst you have a Balance Transfer. This means that all transactions will be charged interest at the applicable Annual Percentage Rate from the date of purchase. This offer is valid until Saturday 31 October 2020. Post this advertised date; Citi 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.

1 To receive the 20,000 bonus points, you must make an eligible retail purchase on your new Coles Mastercard (excludes 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) in the first 30 days of the Account approval date. You will receive the bonus points within 3 weeks of the first purchase, credited to the Flybuys 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.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Coles unsecured credit products are issued by Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098 Australian credit licence 238098 and distributed by Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708. Coles receives commission for the introduction of credit business to Citigroup.

2,000 flybuy points = $10 off your shop at Coles
20,000 flybuy points = 10 x $10 off your shop at Coles

Related Stores

Coles Financial Services
Coles Financial Services
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closed Comments

  • Been waiting for a credit card deal. can cancel the citibank card and move back to coles lol

    • How many months do you wait before churning? I read it was 6 months before you open a new credit card but that’s really long.

      • Pretty sure it was less than 6 months, i was on woolworths card for a short while

        • Did you by any chance check if it impacted your credit score?

          • @Flowerbomb: Didnt notice, tried to check now but couldnt go back all the way to 2019 (finder.com.au)

  • +1

    Does anyone know if they do income verification? I always hate having to upload my paystub because it's so tedious even though I meet all their requirments.

    • +3

      Yes. They do have income verification. They check income, employment and residency.

      • yeah I got the No Annual Fee and they called my work/HR.

        Wish I applied for an Amex card too back when I had a job! :((

        • What? That’s really invasive. Isn’t a payslip enough.

          • @Flowerbomb: This was my first CC and I don't remember if they even asked for payslip. Guess they straight up called my work to find out/confirm lol..

            Yeah I thought it's a bit weird that the workplace knew some about my personal money affairs

  • “make an eligible retail purchase in the first 30 days”

    any limit on this purchase?

  • I just downgraded my Coles credit card from the rewards card to the no annual fee card. I'll have to contact them to see if I can get this offer.

    • +1

      Nope, new customers only..

      • What about customers that used to own this card in the past? I can’t remember if I had one already before

        • Sorry I didn't ask about that

  • Thanks OP.

    This actually seems like a very good card.

    No annual fee & flybuys point on spending. Nice.

    • +1

      $100 value and a credit file inquiry, still thinking if it is worth it.

      • you planning to take out any loans in near future? think should be right if you pay it off

        • not any loan, but another credit card with higher rewards

  • In the features: "Tap & Pay with Apple and Samsung Pay."

    This card doesn't work with Google Pay?

  • +1

    Flybuy points can be redeemed all at once too, doesn't have to be redeemed in $10.

    2 points can be converted to 1 Flybuy dollar, which can be used in Coles Supermarkets, Liquorland, First Choice Liquor, Coles Express, Kmart, Target, and Kmart Tyre & Auto Service

    • 2 points can be converted to 1 Flybuy dollar

      ???
      More likely to be 200 points for $1

      • Oh yea sorry haha 200 flybuy points can be converted to 1 Flybuy dollars

        • Can you convert 200 to $1? I think minimum points to redeem is 2000 points

  • +1

    I’ll give it a shot, as I’m dangerously low on credit cards right now.
    My last Citi card was <6 months ago… so testing if that 6 month auto-decline for Citi cards is still a thing.

    • testing if that 6 month auto-decline for Citi cards is still a thing.

      nice keep me posted lol

      • Approved, made first eligible payment yesterday.

        • Keep us posted of when you receive the 20,000 bonus points. T&C's says it should be within 3 weeks of the eligible purchase.

          • @Polikj: Will do. Made a couple more eligible payments tonight, for extra measure 🍺🍺

          • @Polikj: 20K points received on 25/9
            Still waiting for 75K on my previous Citi card

            • @muncan: Thank you for update! Can i spend this card even not partner with coles or flybuys if so how much points per 1$?

              • @kiwiic3: No idea mate, I’m only here for the bonus points. Picked up the 75K points for the other Citibank card today.

                • +1

                  @muncan: oh wow! thank you for sharing! 😃

  • +1

    Is this promo still on? Cant seem to find the 20000 points offer anymore.

    • I can't find anywhere it saying 20,000 pt offer any more 🥴

      • First paragraph?

  • Kogan Black way better than this.

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