This was posted 4 years 3 months 16 days ago, and might be an out-dated deal.

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Coles Rewards Mastercard: Bonus 100,000 flybuys Pts (after $3000 Spend), 50,000 Pts after First Year ($99 Annual Fee)

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Coles Rewards Mastercard: Bonus 100,000 flybuys Pts (after $3000 Spend), 50,000 Pts after First Year ($99 Annual Fee)
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Lsapnak on 09/01/2020 - 13:20 financialservices.coles.com.au (3422 clicks)
Last edited 09/01/2020 - 13:27 by 1 other user

Increased flybuys points from Coles credit card until 31st Jan.

Earlier it used to be 120k

100k first year and 50k after first anniversary payment

  • New customers who apply for a Coles Rewards Mastercard by 31 January 2020, enter their flybuys number in the application form and make purchases (excluding Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges) to the value of $3,000 or more on the new Coles Mastercard in the first 90 days of the Account approval date will, within 3 weeks of meeting the required $3,000 spend, be credited 100,000 flybuys BONUS POINTS to the flybuys account linked to the Coles Mastercard.

  • Plus, receive an additional 50,000 flybuys BONUS POINTS within 3 weeks of the first anniversary of Account approval date. Points will be forfeited if you close your Account before they appear in your flybuys account.

  • The Account needs to be in good standing for the flybuys BONUS POINTS to be awarded. Standard flybuys Terms and Conditions apply, see flybuys.com.au. This offer cannot be used in conjunction with any other offer.

Financial Credit Card Reward Points

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Coles Financial Services
Coles Financial Services
Flybuys
Flybuys

closed Comments

  • Maki on 09/01/2020 - 13:27
    +1

    It still says 20,000 Bonus Points for me?!

    • His_Holiness on 09/01/2020 - 14:16
      +7

      Try incognito or another browser. Showed 150,000 for me

      • gazer on 10/01/2020 - 14:00

        Tried this but I can still only see 120k…. anyone else got suggestions to get the full 150k? Maybe they had an app cap or similar?

        • desparito on 10/01/2020 - 14:23
          +2

          I am able to see 150K in Chrome, IE & Safari without incognito mode. Try anyother browser if you have

          • gazer on 10/01/2020 - 16:07
            +1

            @desparito: cheers - works in chrome, but not in IE and safari - weird eh!? Even without cookies enabled

          • directflight on 11/01/2020 - 11:14

            @desparito: Thanks mate. It didn't work for me on Firefox but Chrome yes. +1

  • fomal on 09/01/2020 - 14:47
    +3

    Good deal, basicly we get $500 coles gift card and $250 gift card for $99 / year

    • Helmutson on 09/01/2020 - 15:33
      +4

      Correct me if I'm wrong but it looks like you have to pay two $99 annual fees. I don't see any mention of first year beIN "fee free".
      Aside from that, this is a good deal. I already have this card as by base card as it is one of the best earn rate cards around. I might have to cancel mine and get the wife to reapply to get the 100k points.

      • fomal on 09/01/2020 - 18:03

        yes we need to pay $99/year for this

  • punkindrublic on 09/01/2020 - 14:59

    How long after cancelling an earlier card do they count 'new' applications?

    • Grippit on 09/01/2020 - 15:26

      I spoke to a rep about this in December last year, and they stated that there is no need to cancel existing card if you have one. All new applications were eligible … worth double checking though!

      • tsunamisurfer on 09/01/2020 - 18:40
        +1

        The T&C's state new customers only but not any other details.

        Edit : I just called them myself to ask and they also said it doesn't matter if you are already a customer. WTF…this means since I've already got my 100k points that I can reapply for another new card and set myself up for another 100k.

        I still think this is risky.

        • GrunkStrap on 09/01/2020 - 22:59

          what do you mean - reapply for another new card? Does that mean you have two of these cards then?

        • kehuehue on 10/01/2020 - 06:29

          Let us know if you tried to apply

          Pretty risky as tnc clearly says otherwise, their customer service tend to say stuff and not follow up with it

        • lordra on 11/01/2020 - 00:55

          Will you apply?

      • mkowarkski on 07/02/2020 - 22:48

        Customer serrice told me you will get what you applied for. So 20,000 :(

  • StonedWizard on 09/01/2020 - 15:11

    Apart from converting to Velocity points, what do people do with so many Flybuys points?

    • Jxdos on 09/01/2020 - 15:16

      Convert to cash 2000 = $10

    • MitchAustralia13 on 09/01/2020 - 15:21
      +1

      “Free” grocery shopping for a couple of months.

      • drakarn_123 on 10/01/2020 - 10:52
        +1

        couple of months? $500 would pay for my groceries for 3 weeks if i'm lucky xD

        • plal on 19/01/2020 - 02:31

          Don't understand how this converts to $500. If 2k points equals $10, then 100k ÷ 2k = $50. Am i doing something wrong? Thats not including 50k bonus points in 2nd year.

    • The J man on 09/01/2020 - 15:24
      +1

      Used to redeem Flybuys for JB HiFi gift cards, but they got rid of those around 18 months ago unfortunately.

      • everunman on 09/01/2020 - 16:19

        also they could convert to ebay vouchers but they have gone too

        • 31mop on 09/01/2020 - 19:34

          I just used them to book a flight. Was same price booking direct.

    • FeZZa21 on 09/01/2020 - 21:11
      +1

      Convert to gift card and use it towards a ps5 ;)

  • ricerocket on 09/01/2020 - 15:18

    Anyone still waiting for their bonus points? I hit minimum spend over 3 weeks ago and iirc, they're supposed to give the points "within 3 weeks"

    • neo on 09/01/2020 - 16:07
      +2

      My points came through pretty quickly. Best to give them a call.

      • everunman on 09/01/2020 - 16:20
        +1

        same here

    • Drakesy on 09/01/2020 - 17:56

      mine took about a month, but came through eventually

    • Soluble on 10/01/2020 - 09:48

      Mine came through after the first statement.

    • mkowarkski on 10/01/2020 - 15:33

      I got 100000 points after spending enough

    • Roosterman65 on 29/01/2020 - 00:12

      I had to contact them several times after the 3 week timeframe to finally get my points. Worth it though as they messed up and gave me 200,000.

  • jace88 on 09/01/2020 - 15:46
    +1

    My read of this is you need to pay annual fee twice.

    Collect up to 150,000 BONUS POINTS*
    When you apply for a Coles Rewards Mastercard® by 31 Jan 2020. Receive 100,000 BONUS POINTS when you spend $3,000 in the first 90 days from approval, plus get 50,000 BONUS POINTS after your first year.

    I'm not sure if this is better (2 points per $1; or 4 points per $2) and worth signing up for the annual fee vs. just keeping it simple with the No Annual Fee Mastercard (1 point per $2). Maybe I need to do a spreadsheet to work out estimated spend!

  • arctan on 09/01/2020 - 16:18
    +1

    It's managed by citibank and they don't support Google pay. Instead they decide to go with Samsung pay.

    • [Deactivated] on 09/01/2020 - 20:24

      Thanks for pointing this out

  • donotuse on 09/01/2020 - 18:11

    My ofer is for 150,000 points

  • adamiscoolization on 09/01/2020 - 18:58

    to the value of $3,000 or more on the new Coles Mastercard in the first 90 days of the Account approval date

    I don't spend 3K in 3 months, would a 3k PayPal transaction to a 2nd account work?

    Is there any other way to spend 3k that's not actually losing money throughout like buying $3000 worth of visa gift cards or something?

    • FeZZa21 on 09/01/2020 - 21:21
      +1

      Spread it across your utility providers or pay one of them 3k then request cheque for the 3k credit once you close your card.

    • directflight on 11/01/2020 - 11:18

      You can pay extras into stuff like your utilities, prepay your insurance cover, private school fees accounts, buy gift cards and then there are more creative ways too

  • ozmustang on 09/01/2020 - 19:35
    -4

    No interest free period. So you pay interest of 19.99 from day 1. Do the calcs, they give from one hand and take it back through interest from another. Tou have to spend 3000 to get the points. No for me.

  • ozmustang on 09/01/2020 - 19:36

    Anyone who wants to apply should read the tnc's first.

  • prolo on 09/01/2020 - 19:49

    55 day interest free period iirc

  • ozmustang on 09/01/2020 - 20:01
    -3

    Nopes.tnc's dont say that

  • Helmutson on 09/01/2020 - 21:49
    +3

    I currently have this card as my base card for when I'm not spending for a sign on bonus with another card.

    1. It definitely has a 55 day interest free period. Never paid a cent in interest in the 3 years I've had it.

    2. 2 Flybuy point per $1 spend is an effective 1c per $ earn rate which is as good as non-Amex credit cards get these days.

    • ozmustang on 09/01/2020 - 22:34
      -1

      Please note you are not entitled to the Interest Free Period on Retail Purchases, fees and charges whilst you have a Balance Transfer. This means that all spend will be charged interest at the applicable Annual Percentage Rate from the date of the transaction.

      • Randolph Duke on 10/01/2020 - 07:56

        Most credit cards are like this, particularly those with no honeymoon bt period. Also, and why assume everyone will be doing a balance transfer?

    • lordra on 14/01/2020 - 07:37

      Better than some banks'savings accounts too!

  • bigbadboogieman on 09/01/2020 - 21:49
    +2

    Seems gone are the good ol days when Coles No Annual Fee for life credit card came with $100 Flybuys credit.

    • endolphin on 10/01/2020 - 01:49

      Not sure I follow when this current offer is miles better than that. 5.5x better in fact.

      • TheHummingBird on 10/01/2020 - 08:14

        Previous offer had no annual fee. So it was better for those who intended to keep the card long term.

      • bigbadboogieman on 10/01/2020 - 08:22

        How is it miles better when you're getting $150 in Flybuys after paying $99 in annual fee over more than 12 months and $3K spend when previously you got $100 without paying anything, $100.01 spend (basically make a purchase to activate offer and get $100 off your grocery bill of $100)?

        • endolphin on 10/01/2020 - 13:25
          +1

          What? I just closed this card, after having it open for a grand total of 5 weeks. A quick $400 net profit.

          The bonus here covers the next SIX years annual fee, for those wanting to keep long term (remembering that another 50k flybuys lands in year 2).

          A paltry $100 bonus is below my threshold for bothering to apply for a new card.

          • bigbadboogieman on 10/01/2020 - 13:38

            @endolphin: $400 … i think I might be missing something. 2000 FlyBuys = $10. How do you get to $400?
            P.S. even a single dollar isn't paltry for a true OzB.. ;)

            • endolphin on 10/01/2020 - 13:43

              @bigbadboogieman: I can't actually believe I have to spell this out. It is literally in the title of this deal. 100k flybuys points = $500 in Coles voucher (technically this is only worth $475 but I digress).

              Another 50k in year 2 = $250 which obviously more than offsets the second annual fee (although I didn't see any value in waiting another year for that, so I swiftly closed).

              • bigbadboogieman on 10/01/2020 - 18:32

                @endolphin: Whoops my bad - wrong calc. This is a better deal if you don't care about credit checks and don't intend to keep the card in the long term.

              • expatOz on 11/01/2020 - 03:08

                @endolphin: Why 475?

                • lnem2 on 11/01/2020 - 09:49

                  @expatOz: Because you can but Coles gift cards at 5% discount.
                  Therefore $500 - 5% = $475

  • dtales on 09/01/2020 - 22:04

    Anyone know what income is needed for eligibility?

    • osh89g on 09/01/2020 - 22:38
      +4

      25,000. Shows up when you press apply now.

      • dtales on 10/01/2020 - 00:41

        Thanks!

  • Flyingdoc on 09/01/2020 - 22:51
    +3

    Awesome card for overseas spend - no foreign transaction fees.

    • bohn on 10/01/2020 - 10:55

      AND earns points on overseas spend!
      Great for holidays. I used to only use 28Deg for holidays, good for no transaction fees, but no points.

  • frewer on 09/01/2020 - 22:54

    I only see 120k points, however it is still a good deal.

  • [Deactivated] on 09/01/2020 - 23:24
    +1

    Apply if you want a ding on credit file and a rejected application

    • dtales on 10/01/2020 - 00:41

      Rejected application? Does it happen much with Coles?

      • Jared17 on 10/01/2020 - 01:30

        I got rejected. Despite meeting the income requirement

        • Randolph Duke on 10/01/2020 - 07:58
          +1

          There’s a bit more to it than that.

      • [Deactivated] on 10/01/2020 - 08:21
        +1

        Citi manages the cards and is notorious for application rejection.

    • desparito on 15/01/2020 - 13:05

      My application got approved today. Bit strange that i had to call them up to check on status. The call landed in India and the rep verified few details on my application and was told that the application was forwarded to another team for review. After 30 mins got approval mail for 15k limit. Called up CC to confirm the bonus approved was 100K (1st year) + 50K (after 1st year).

      Would suggest to call them up if you havent received any emails.

      BTW… i hold a Citi Signature Qantas card from the last offer. I dont think that made any difference to my Coles CC application

  • Captainawesomepants on 09/01/2020 - 23:54

    I feel the kogan deal was better / simplier for most people
    $500 credit
    no annual fees - $1 spent = 1 cent to spend at kogan ?

    although kogans customer service experience was… enlightening..

    • abadacus on 10/01/2020 - 07:21

      How long did it take for your application to go through?

  • bohn on 10/01/2020 - 08:16

    150k has been around for awhile, as per https://www.ozbargain.com.au/comment/7875400/redir
    I just got the 100k,.. I had a few issues and got the annual fee reversed which is good. Be sure to contact them if you have any issues. Some have been given points as well to compensate.

  • jcdc3067 on 10/01/2020 - 08:59

    Is it correct to assume you would end up receiving 3 points per dollar if you use this card, and your flybys card at Coles?

    My reading of their terms suggest you would. Point 1 - " flybuys points awarded for using a Coles Mastercard linked to your flybuys membership are in addition to flybuys points awarded by flybuys partners."

    • Soluble on 10/01/2020 - 09:52
      +1

      Yes you get 3 points per $ spent anywhere that gives you flybuys points. (Kmart, target, Coles)

  • MatrixM on 10/01/2020 - 14:28

    Thinking of getting my dad on this but he retired recently, so what happens income-wise?

  • mkowarkski on 10/01/2020 - 15:38

    I applied in Oct and was approved.
    Also got the 100000 points recently. At that time the offer was 20000 points for the second year.
    Will I get 20000 or 50000????

    • bohn on 10/01/2020 - 16:13

      20000!!!!

      I also applied in Oct, but used the 150k link in the comments of the previous deal.
      Also saved a screenshot of it in case I need it.

  • LeTravel James on 10/01/2020 - 16:26

    When you apply by 31 January 2020. Receive
    100,000 BONUS POINTS when you spend $3,000
    in the first 90 days from approval plus
    20,000 BONUS POINTS after your first anniversary.*

    Seems like they have changed the anniversary bonus to 20000 already?

    • bohn on 10/01/2020 - 16:31

      been discussed.
      try a different browser.
      right now I get 120k in FF and chrome, and 150k in Waterfox.

      • LeTravel James on 10/01/2020 - 17:24

        Thanks! No idea why I didn't read the first comment lol

  • donotuse on 11/01/2020 - 16:11

    How much Flybuys Dollars is this equivalent to? $750?

  • alamodey on 12/01/2020 - 11:28

    Can you use flybuy points to redeem for Opal credit?

  • cnrmlj on 12/01/2020 - 11:35

    I received an email offering 100k up front and then 40k after 1 year. Now discovered this. Should have come here before applying for the email offer.

  • DardyMate on 14/01/2020 - 03:17
    +1

    Bad experience with Coles.

    1) Requested for additional credit card, confirmed with Coles Live Chat that it will be sent to the address of the additional card holder after it was confirmed within 7 days. 2 weeks later, haven't arrived yet to the addtional card holders address. So I checked my mail box after and it was sent there instead.

    2) Paid my CC debt of $3,7xx.xx on 20th Dec, due on 13th Jan. After I paid it, I was automatically asked to do a direct debit, so I did it (why not, less hassle). Good thing I checked my bank account today, which the direct debit is linked to. Another $3,7xx.xx (same exact amount) taken from my bank account.
    - Live chat is not 24/7
    - Phone call provided was only for self-service banking and lost/stolen credit card.
    - I just went to lost/stolen credit card option and clarified that it wasn't.
    - Been offered to pay back $3,7xx.xx WITHIN 15 DAYS.

    • bohn on 14/01/2020 - 07:34

      I had a bad experience with them too.
      The Coles dept is worse than the regular Citi people.
      Did they refund your annual fee? You should ask for that at least.

      • DardyMate on 14/01/2020 - 13:12

        I kept on saying I wasn't too happy of their offer of returning the first paid amount within 14 days ONLY. I further complained and they offered to refund the interest charged to the overdrawn account. I further complained and When I asked to speak with the manager, they offered to refund the annual fee. Such hassle dealing with them.

    • lordra on 14/01/2020 - 07:35

      Same. Poor form. I figured that you need to bring it down to zero balance before the statement generates in order for this not to happen.

      • DardyMate on 14/01/2020 - 13:14
        +1

        Definitely the same as I thought it would be. Even received a confirmation from CFS when I paid and clarified with customer service that when I paid the total amount needed within the statement month, it will clear out the debt I owe.

        • lordra on 14/01/2020 - 18:57

          My card still has the payment protection on it so I'm hanging onto it for now.

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