Enjoy rewards, low rate, and no annual fee with the Coles No Annual Fee Mastercard. Offering you the promotion of paying 0% p.a. on balance transfers for 12 months which reverts to cash advance rate, this card helps you find your feet.
With this card, no interest-free days apply to Retail Purchases while you have a Balance Transfer if you apply for a Coles No Annual Fee Mastercard® by 31 January 2021.
Just as the name implies, you don’t pay annual for the life of the card. Additionally, you collect 1 point per $2 on eligible spend.

Coles No Annual Fee Mastercard Benefits & Features
- No interest free days apply to Retail Purchases while you have a Balance Transfer if you apply for a Coles No Annual Fee Mastercard® by 31 January 2021.
- Flybuys points – collect 1 point per $2 on eligible spend. Pay no annual fee ever.
- 55 days interest free on purchases when you pay your full balance of each month.
- Tap & Pay with Apple and Samsung Pay, the easy and secure way to use your card on the go.
- With the free Coles Mobile Wallet, you can view and activate Flybuys offers with your phone, as you keep track of your purchases for your convenience and control.
- $10 off your Coles Supermarket shop, every time you redeem 2,000 Flybuys points at the checkout.
- Your card is protected by the Coles Shield which is three layers of defense against credit card fraud and theft.
- Mastercard and Flybuys card in one, 2in1 card.
- The complimentary insurance feature protects the items you buy with your card if they are permanently lost, stolen or accidentally damaged.
- Get complimentary access to the card’s 24/7 worldwide concierge.
Coles No Annual Fee Mastercard Eligibility Requirements
Applyfor the Coles No Annual Fee Mastercard after meeting these requirements:
- To apply, you must be at least 18 years of age
- Earn a minimum income of $25,000 per year or more
- Be a permanent Australian resident
- Have a good credit rating
- Have an Australian mobile phone number
- You to have an email address, to enable you receive electronic statements, and other communications via email
- Should have existing flybuys membership number ready.
How to Apply
Once you have met the above mentioned requirements, use these steps to apply:
- Launch your web browser and visit Coles Financial Services Limited application portal
- Provide your personal details
- Provide your contact details
- Review, and agree to the Electronic Communication Consent Declaration
- Tap on the “Continue” link, to get to the next page of the application
Coles No Annual Fee MasterCard Activation
Make your card functional by activating it. To activate:
Online
- From your web browser, visit osc.coles.com.au and login 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
Visit the card website, to call the number provided there for activation, to enable you successfully activate your card.
Coles No Annual Fee MasterCard Login
To gain access to your credit card account;
- Launch a functional web browser
- https://www.secure.coles.com.au/apps/auth/signin
- Type in your Username and Password
- Tap on the “Login” link, to access your account.
Coles No Annual Fee MasterCard Username/Password Recovery
To recover your password or username:
- On the login page, click on the “Forgot your Username or Password” link
Password
- Enter your Username
- Enter your 16 digit card number, which is on your card, or on your statement.
Username
- Enter your 16 digit card number, which is on your card, or on your statement.
Coles No Annual Fee MasterCard Bill Payment
Make your bill payment via BPAY.
- From your web browser, visit osc.coles.com.au, and login with your username and password
- Tap on “My Payments” and tap on “New Bill Payment”
- Choose the credit card, you wish to pay your bill with, then, choose “New Bill Payee”
- Review the instructions and make your bill payment.
Coles No Annual Fee MasterCard Customer Service
Get access to the Coles No Annual Fee Mastercard customer care agent by calling the number provided on the card’s website, to get assistance.