Coles No Annual Fee Mastercard Tops Aussie No-Fee Cards with 20,000 Flybuys and 0% on Purchases for 6 Months

Coles No Annual Fee Mastercard: a practical pick for Aussie shoppers

Coles No Annual Fee Mastercard is a standout no-fee card in Australia that mixes everyday value with clear rewards. With 20,000 bonus Flybuys points on offer and an introductory 0% on purchases for six months, it is aimed at shoppers who want benefits without paying an annual fee.

For regular Coles, Kmart or Target shoppers the card brings immediate utility: bonus points that convert to Flybuys dollars or Velocity Points, and interest-free breathing room on larger buys. The card is straightforward and easy to manage through Coles’ online banking and app.

Rewards and how to maximise Flybuys value

The headline reward is the 20,000 Flybuys points bonus after spending $3,000 in the first three months. Beyond that, cardholders earn Flybuys on eligible spend with a consistent earn rate, and points can be redeemed at Coles supermarkets or converted into Velocity Points for flights.

To squeeze the most value from the Coles No Annual Fee Mastercard, use it for regular grocery and household spending and time larger purchases within the 0% on purchases window. Linking your Flybuys account and watching Coles promotions boosts returns further for savvy Aussies.

Costs, fees and what to watch for

Although there is no annual fee, cardholders should note the standard purchase rate of 19.99% p.a. after the six-month 0% period, a 2.5% foreign transaction fee and late payment charges. Cash advances and overseas withdrawals attract additional fees, so it is best used for planned purchases rather than cash.

Keeping balances paid off before the introductory period ends avoids interest and protects the effective value of the Flybuys earned. The card suits disciplined users who can clear balances monthly or within the interest-free offer.

Eligibility, application and final take

To apply you must be an Australian citizen or permanent resident, over 18 and have a reasonable credit history. The online application is quick and new applicants receive the bonus points and the 0% on purchases offer when they meet the spend criteria.

Overall, the Coles No Annual Fee Mastercard is one of the strongest no-fee cards for everyday Aussie shoppers who want Flybuys rewards and a short-term interest-free period. If you shop regularly at Coles partners and can manage repayments, it delivers solid value without the drag of an annual fee.