Coles No Annual Fee Mastercard: Earn Flybuys Points with a $0 Annual Fee

Explore an online credit card designed for smart everyday shoppers

Coles No Annual Fee

The Coles No Annual Fee Mastercard, issued by National Australia Bank Limited, is a zero-annual-fee rewards card created to help everyday shoppers stretch their budget further. When you get a credit card like this, you unlock seamless point collection alongside financial flexibility.

Coles No Annual Fee Mastercard: a credit card for everyday value and savings

If you are looking for the easiest credit card to get maximum reward value out of your supermarket shopping, this card delivers. Collect 1 Flybuys point per $2 on eligible spend, plus an extra point per $1 when scanning your Flybuys card at Coles.

Enjoy 24/7 Coles Shield fraud protection and 0% p.a. on balance transfers for 12 months with a 5% transfer fee (reverts to 21.99% p.a.). It is a convenient digital credit card choice to apply for credit card benefits online.

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Should I get a credit card from National Australia Bank Limited?

Issued by National Australia Bank Limited, a trusted institution that won two 2025–2026 Canstar Awards for outstanding value and rewards, this card provides strong financial backing. Choosing an unsecured credit card backed by a major Australian bank ensures high standards of security and reliability.

You can manage your account anywhere using the dedicated Coles Credit Cards App, which lets you track spend, check Flybuys balances, and view transaction history. It makes managing your digital credit card details simple, efficient, and completely secure.

How to get a credit card from National Australia Bank Limited

To be eligible for the Coles No Annual Fee Mastercard credit card, you need to meet the following requirements when completing your credit card application:

  • Be at least 18 years of age.
  • Be an Australian resident for tax purposes.
  • Have a valid Australian mobile number and email address.
  • Earn a regular income and meet minimum credit criteria.
  • Maintain a good credit rating.

How to apply for the credit card

Follow these simple steps to apply for credit card approval online:

  1. Select the online application link on the official Coles Credit Cards website.
  2. Review the interest rates, $0 annual fee terms, and 0% balance transfer promotion.
  3. Enter your personal details, tax status, contact details, and financial income.
  4. Provide necessary identity verification and supporting financial records.
  5. Submit your application for standard assessment by National Australia Bank Limited.

Frequently asked questions

How does interest work on the Coles No Annual Fee Mastercard credit card?

Purchases carry a 21.99% p.a. variable rate with up to 44 interest-free days when you pay in full by the due date. The card also features a 0% p.a. balance transfer offer for 12 months with a 5% fee. It is a great option when searching to get a credit card online.

How can I increase my Coles No Annual Fee Mastercard credit limit?

Credit limits range from $1,000 to $100,000 based on individual financial assessment. Request a limit increase anytime through the app or online portal. Approval depends on your credit profile when managing your digital credit card.

How do I pay off my Coles No Annual Fee Mastercard credit card?

Pay your balance using BPAY, direct debit, or the Coles Credit Cards App. Pay the full balance monthly to avoid interest charges entirely, making this an ideal free credit card apply choice.

How do I cancel a credit card from National Australia Bank Limited?

Contact customer support or submit a request through the Online Service Centre to close your account. Clear all outstanding balances before closing your unsecured credit card.

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