Coles Rewards Mastercard: a credit card for savvy grocery shoppers
This card maximizes every dollar spent at checkout. Earn 2 Flybuys points per $1 on eligible spending at Coles (up to $8,000 per statement period), plus 1 extra point when scanning your linked barcode. Using an online credit card like this simplifies household savings through an unsecured credit card.
Beyond groceries, earn 1 Flybuys point per $1 everywhere else up to $8,000 per statement period. You also get Mobile Phone Insurance up to $1,650 yearly when paying postpaid bills automatically. Ready to build rewards? Submit a free credit card apply request or learn how to get a credit card today.
Should I get a credit card from National Australia Bank Limited?
National Australia Bank Limited (NAB) issues Coles Credit Cards with full regulatory backing. The range recently won two 2025–2026 Canstar Awards for Outstanding Value in Rewards categories. Choosing an unsecured credit card from NAB provides genuine financial security for consumers seeking creditcards.
Manage your account easily via the Coles Credit Cards App to monitor spend and track Flybuys points. You are protected 24/7 by Coles Shield fraud detection against unauthorized transactions. This setup makes managing a digital credit card or checking the easiest credit card to get simple.
How to get a credit card from National Australia Bank Limited
To submit your online apply for credit card request for the Coles Rewards Mastercard, you need to meet these criteria:
- Be 18 years or older and an Australian resident for tax purposes.
- Hold a valid Australian mobile phone number and active email address.
- Receive a regular income and maintain a good credit rating.
- Qualify for the minimum required credit limit of $1,000.
How to apply for the credit card
Follow these steps to finish your credit card application online:
- Visit the official Coles Credit Cards website and select the Rewards Mastercard.
- Review current interest rates, annual fees, eligibility terms, and promotional conditions.
- Complete the secure form with your personal details, income, and employment information.
- Link your Flybuys membership number to ensure you receive your bonus points offer.
- Provide required identification documents and submit your application for review by NAB.
Frequently asked questions
How does interest work on the Coles Rewards Mastercard credit card?
The card charges a 21.99% p.a. purchase rate with up to 44 interest-free days when paying balances in full. Balance transfers feature 0% p.a. for 12 months with a 5% fee. Managing an online credit card or digital credit card responsibly helps avoid interest costs.
How can I increase my Coles Rewards Mastercard credit limit?
Request a limit increase via the Coles Credit Cards App or Online Service Centre for NAB to evaluate. Approval on an unsecured credit card depends on credit assessments when you apply for credit card updates.
How do I pay off my Coles Rewards Mastercard credit card?
Pay via BPAY, direct debit, or online transfer to cover minimum or full statement balances each month. Managing an instant credit card via mobile lets you schedule automated payments easily for your creditcards.
How do I cancel a credit card from National Australia Bank Limited?
Clear all remaining balances, update recurring direct debits, and notify customer support to complete cancellation. Submit your request via official channels after you get a credit card account fully settled, regardless of whether it was the easiest credit card to get online.