AU

Coles No Annual Fee Mastercard review: Great perks!

Are you looking for a card with great benefits and no annual fee? If so, read our Coles No Annual Fee Mastercard review to see the pros and cons!

Coles No Annual Fee Mastercard: 0% intro p.a.!

Read our Coles No Annual Fee Mastercard review to see its benefits. Source: The Mister Finance.
Read our Coles No Annual Fee Mastercard review to see its benefits. Source: The Mister Finance.

Do you want a credit card that doesn’t charge an annual fee? How about one that gives you rewards every time you use it? Read our Coles No Annual Fee Mastercard review to learn more!

Coles No Annual Fee Mastercard

How to get a Coles No Annual Fee Mastercard?

Do you need a card with perks and intro p.a. offers? If so, read on to learn how to apply for the Coles No Annual Fee Mastercard!

Credit ScoreNot disclosed.
P.A.*0% intro p.a. on balance transfers for 6 months. Then, 19.99% p.a.;
0% intro p.a. on purchases for 15 months. Then, 19.99% p.a.;
19.99% p.a. on cash advances;
Up to 55 days interest-free.
*Terms apply.
Annual FeeNo annual fee.
Fees*$1.95 per cash advance transaction under $65.00, and 3% of the transaction amount for a transaction equal to or over $65.00 (valid for amounts debited to your account on the transaction date);
$5 fee for international cash advances;
2.50% international transaction fee on all retail purchases and cash advances;
$30 late payment fee;
No additional cardholder fee.
*Terms apply.
Welcome bonusThere is no welcome bonus available besides the 0% intro p.a. offers.
Rewards*Earn 1 Flybuys point per $2 on qualifying purchases;
$10 off your Coles supermarket shop (valid for when you redeem 2,000 Flybuys points in-store at the checkout).
*Terms apply.

The Coles No Annual Fee Mastercard is perfect for Australians who are looking for rewards and no annual fee. Plus, there’s a 0% intro p.a. on purchases for the first 15 months.

Also, you can even earn points while making eligible purchases at supermarkets and others! So, it’s easy to get started with this card! Therefore, read our Coles No Annual Fee Mastercard review to learn more!

How does the Coles No Annual Fee Mastercard work?

You can get incredible perks with the Coles No Annual Fee Mastercard. For example, you’ll get a 0% intro p.a. on purchases for 15 months and a 0% intro p.a. on balance transfers for 6 months!

Also, you’ll get all these incredible benefits for no annual fee!

Coles No Annual Fee Mastercard benefits

Get rewards points on your supermarket purchases. Source: Freepik.
Get rewards points on your supermarket purchases. Source: Freepik.

This card can have great features for those who don’t want to pay a credit card annual fee. So, you can get the 0% intro p.a. on purchases and balance transfers and earn points and discounts!

However, this card also has some downsides. So, read our lists of the pros and cons of the Coles No Annual Fee Mastercard review!

Pros

  • Good card benefits with the possibility to earn points and discounts;
  • Insurance available;
  • Intro p.a. offers;
  • No annual fee.

Cons

  • This card is only available for permanent Australian residents with proof of income and address;
  • There is a $30 late payment fee;
  • You’ll need to have a Flybus membership to get an easier application;
  • This card is not available for those with not-so-good credit ratings.

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How good does your credit score need to be?

You’ll need a credit score of at least a good rating to have a chance of qualifying for this card. So, we recommend you have at least a good credit score to get the best rates and a higher chance of approval.

How to apply for Coles No Annual Fee Mastercard?

You can easily apply for this card online through the official website. However, you need to provide some of your personal information.

Plus, you need to fit the requirements, such as a good score and regular income! Learn more about the application process on the following link.

Coles No Annual Fee Mastercard

How to get a Coles No Annual Fee Mastercard?

Do you need a card with perks and intro p.a. offers? If so, read on to learn how to apply for the Coles No Annual Fee Mastercard!

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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