The Coles Rewards Mastercard is a credit card you can use anywhere Mastercard is accepted.
It is made for people who shop often at Coles and want to collect Flybuys points faster.
Main Features
- Earn Points
- 2 Flybuys points for every $1 you spend (up to $3,000 each month).
- After that, 1 point for every $1 you spend.
- Use points for money off your Coles shop or turn them into rewards.
- Annual Fee: $99 per year
- Interest-Free Days: Up to 44 days if you pay your full bill on time
- Interest Rate: Around 20.74% p.a. if you don’t pay in full
- Extra Benefits:
- 10% off one Coles shop every month (up to $50 off).
- Works with Apple Pay, Google Pay, and Samsung Pay.
- Free insurance like Purchase Protection and Extended Warranty.
- No fees on overseas purchases.
Who Should Use This Card?
- People who shop often at Coles., Bunnings, Target, Liquoerland, Kmart
- Flybuys collectors.
- People who always pay their bill in full.
- Anyone wanting to save extra money on groceries each month.
Who Should Avoid It?
- If you don’t shop at Coles much.
- If you don’t pay your bill on time (the interest is high).
- If you want a card with no yearly fee.
Final Thoughts
The Coles Rewards Mastercard is good for regular Coles, Bunnings, Target, Liquoerland, Kmart shoppers who pay off their card in full each month.
You earn points faster, save on groceries, and get extra benefits. But if you don’t pay on time, the interest can cost more than the rewards.
