Coles Low Rate Platinum Mastercard
The Product is a low interest rate credit card that provides individuals with a line of credit facility, the ability to earn Flybuys Points and complimentary insurances
- Purchase rate
- 13.49%
- Annual fee
- $58.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase Interest on purchases | 13.49% | — | — |
| Cash advance Interest on cash advances | 20.74% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual Fee Charged yearly | Ongoing | $58.00 |
| Late Payment Fee 15 · $30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account. | Late payment | $30.00 |
| Domestic Cash Advance Fee A Domestic Cash Advance Fee will apply of A$1.95 per transaction amount under A$65.00, and 3.00% of the transaction amount for any transaction equal to or over A$65.00, debited to your Account on the Transaction Date. | Cash advance | 3% of transaction |
| International Cash Advance Fee An International Cash Advance Fee will apply of A$5.00 per transaction for Cash Advance outside of Australia, debited to your Account on the Transaction Date, in addition to the International Transaction Fee per transaction. | Cash advance | $5.00 |
| International Transaction Fee An International Transaction Fee will apply of 3.00%, debited to your Account on the Transaction Date, of which a service and assessment fee of 1.10% is payable by us to Mastercard, for any Retail Purchase or Cash Advance transaction in Foreign currency once converted to Australian dollars; and/or Australian dollars (or any other currency). | Transaction |
Features
- Additional cards — up to 4
- Insurance included — Complimentary Insurance
- Balance transfers — Eligibility criteria and terms and conditions apply
- Interest-free period — 55 days
- Digital wallet — Apple Pay
- Digital wallet — Samsung Pay
- Digital banking
- Online Service Centre
- Digital banking
Eligibility
- Minimum age — 18 years
- Residency status — Must be an Australian resident
- Individuals only
Constraints
- Maximum limit — $60,000.00
- Minimum limit — $1,000.00
More Information
Published by Coles Credit Cards under the Consumer Data Right · Last updated 28 April 2026 · Product ID 8520f466-2c02-4af7-83fa-8ae13162a034 · View on CDR.gov.au · View Source Data (JSON)