Coles credit cards

Coles offers a limited range of standard credit cards to suit different types of customers, including no-fee credit cards, low-rate credit cards and rewards credit cards.

Coles credit card rates range from moderately low to moderately high depending on the type of credit card chosen. As you might expect, its low-rate card comes with a lower interest rate than its other credit cards.

Similarly, Coles credit card fees range from low to moderate, based on the individual credit card.

When it comes to rewards, Coles credit card customers can earn flybuys points on eligible transactions, which can be redeemed for merchandise and cash back.

Coles also offers introductory balance transfer offers on its credit cards, and its interest-free period is moderate.

Coles credit cards come with a moderately low minimum credit card limit and a high maximum limit.

Coles credit cards offer the biggest advantages to customers who shop regularly at Coles supermarkets and its flybuys partners.

The rewards scheme is beneficial for earning points on all eligible transactions, which can be redeemed later for a discount at specific shops or for merchandise.

However, for people wanting a dedicated rewards credit card, Coles credit cards offer relatively limited rewards-earning potential, as points can only be redeemed through flybuys.

While Coles credit card interest rates can be moderately low, they aren’t the lowest on the market – so they also probably wouldn’t be the best choice for people looking for a low-rate card.

However, with a low-fee credit card available and an introductory balance transfer offer, Coles credit cards aren’t without their benefits for the right type of cardholder.