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You could also get approved or denied quickly if you apply over the phone or in person. If you apply by mail, youll have to wait for your application to get there and for the decision to be mailed back. However you apply, issuers must give you an approval decision within 30 days of receiving your complete application.
NAB is the credit provider and issuer of Coles credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian credit licence 238098) (Citi).
Customers with a Coles Mastercard or Coles Platinum Mastercard collect Flybuys Points for spend on their card at the following Flybuys Participating Retailers: Coles Supermarket. Coles Express. Liquorland. Liquorland Direct. First Choice Liquor. K-mart (excluding K-mart Photo Centre) Target. Target Country.
The Coles Gift Card is redeemable at Coles Supermarkets and Coles Central stores nationwide. Coles Gift Cards are not redeemable on Coles Online or at Coles Express or Liquorland. Not redeemable for cash or payments of credit or store accounts. Gift cards cannot be used to purchase gift cards.
To be eligible for a credit card, youll need to be an Australian citizen over 18 and earn a minimum of $15,000 each year. Once youve applied for a credit card, you should get a response fairly instantly.
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The card is also accepted wherever Mastercard is, so you can use your card for the weekly grocery shop or at overseas boutiques. There is a 2.5% overseas transaction fee for all international purchases and cash advances (including a visit to the ATM), whether made in person or online.
You may be required to verify information. If there are any discrepancies between your application and credit report, the issuer may contact you to verify your income, monthly housing payment or any of the other information included on your application.
Speaking of points, the Coles Rewards Mastercard is linked to the Coles flybuys scheme, earning you 2 flybuys points per $1 on eligible spending for the first $3,000 (and 1 point per $1 thereafter). Once youve clocked up 2,000 flybuys points you can redeem $10 off your shopping at Coles Supermarkets.
Enjoy 0% on Purchases for 15 months plus no annual fee ever! Enjoy 0% p.a. on Purchases for 15 months. Applies to Retail Purchases (excludes Cash Advances).
The Coles No Annual Fee Mastercard is linked to the flybuys program so youll collect 1 point per $2 on eligible spends, plus youll also earn the usual points at select partners. Youll also be able to earn an additional 1 point per dollar spent at Coles and other Flybuys partners when your card is scanned.

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