• expired

Exclusive Coles Mastercard Offers: $100 off Shop, 0% Interest Periods and Annual Fee Savings @ Finder

90

Hi everyone!

Sharing three exclusive deals for Coles Mastercards, which are offering awesome introductory offers when you apply through Finder by 29 October 2020. Offers include $100 off a Coles Shop, 0% interest periods and $0 annual fees.

Please note:
These offers are only available to eligible applicants who apply through Finder. And you can compare all three offers at: https://www.finder.com.au/credit-cards/coles-credit-cards

Offers

Coles No Annual Fee Mastercard: 0% interest on purchases & balance transfers
  • Ongoing purchase & cash advance rates of 19.99%
  • $0 annual fee
  • Earns 1 Flybuys point per $2 spent on eligible transactions

Coles No Annual Fee Mastercard

Coles Rewards Mastercard: $0 annual fee for the first year & $100 off shop
  • Ongoing annual fee of $99 and purchase rate of 19.99% p.a.
  • $100 added to your linked Flybuys account when you spend $500 on eligible purchases within the first 60 days of approval
  • Balance transfer offer of 0% p.a. for 18 months with a 1.5% balance transfer fee, reverts to 19.99% p.a.
  • Earns 2 Flybuys points per $1 spent on eligible purchases and 1 additional point at select retailers.
  • 0% foreign transaction fees overseas and online with international merchants

Coles Rewards Mastercard

Coles Low Rate Mastercard: $100 off a Coles Supermarket shop
  • $100 added to your Flybuys account when you make an eligible retail purchase in the first 30 days of approval
  • 0% p.a. for 6 months on balance transfers, reverts to 19.99% p.a.
  • Ongoing annual fee of $58 and purchase rate of 12.99% p.a.

Coles Low Rate Mastercard

Eligibility criteria
  • Must be at least 18 years of age
  • Must have an annual income of at least $25,000
  • Australian citizen or permanent resident
  • Where available, you can request a balance transfer up to 80% of your available credit limit from credit cards, store cards and personal loans issued by another Australian financial institution

Related Stores

finder.com.au
finder.com.au
Third-Party
Coles
Coles
Coles Financial Services
Coles Financial Services

Comments

  • But what I really want is one with price protection again.

  • Just remember they've changed their FlyBuy points so you only get 2 points up to the first 3k, then 1 point after that…. still a good card though if you pay it off each month.

    • That is not in effect till Jan 12 2021. And to be specific you and I are referring to the Rewards Platinum Mastercard…

  • I have the no fee one already. Can I still apply for the rewards one?

  • Even though the Coles Rewards mastercard will be nerfed next year, if there is a bonus points flybuys promotion again I will go for it. Will see how the Velocity partnership plays out.

    Although being associated with Citi might give the application some question marks…

  • I just cancelled my coles rewards mastercard, it would reject all overseas purchases i tried to make even Amazon, i tried with my Latitude global and no issues,called them up and the back office person was no help, not worth the hastle for me anyway

    • Do you get your card locked everytime you make a purchase from overseas? Or does the merchant not see that your card is indeed a mastercard? Thought Citi was a global company…. weird.

      • it worked fine for 6 months, then notyhing was approved, their customer service say they have no record of me trying to charge when i clearly have, gave up and cancelled

  • Can't believe I got declined for this card…

    • in trying to replace this card with citi bank card, i was declined too, own my own house and no mortgage, work full time, essential worker etc, maybe banks are being wary due to unemployment rate now

      • Eligibility criteria

        Must be at least 18 years of age
        Must have an annual income of at least $25,000
        Australian citizen or permanent resident
        Where available, you can request a balance transfer up to 80% of your available credit limit from credit cards, store cards and personal loans issued by another Australian financial institution
        

        what's reason for rejrection ….

      • in trying to replace this card with citi bank card, i was declined too, own my own house and no mortgage, work full time, essential worker etc, maybe banks are being wary due to unemployment rate now

        Basically, under the new stricter lending criteria imposed by the Government, the banks now give a lot of emphasis on the amount of expenses that you show in the application. They now assume that you will immediately max-out your new credit card. So, you then need to show you have 'excess' income to gradually pay-off this 'new' & 'imaginary' debt every month.

        I've found that the trick is to put in total expenses that are reasonably below your income. That means that you show that have some 'uncommitted' income that you can use to pay off your card debt. They'll never actually ask you to verify your expenses, so you don't need to be 100% accurate, but the amount you show must be somewhat realistic given things like your mortgage and number of dependents you show in your card application.

        For example, if your new card limit is $5k, and your income is $4k per month, and you say that your expenses are $3k per month, then you have $1k 'excess' income that you can use to pay-off your card balance debt in 5 months. And, that will make you relatively low-risk.

        But, if you say in the application that your expenses are $3.8k per month, then you will have very little 'excess' income to pay off the 'new' $5k debt, and that'll make you high-risk and potentially get rejected.

    • Agree, the conditions for approval must be very, very strict.