---
title: "Coles No Annual Fee Platinum Mastercard — Coles Credit Cards"
description: "Credit & Charge Cards from Coles Credit Cards. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/coles-credit-cards/products/d2f29089-d0ee-44bc-bd6f-05f6419841b7
source: "CDR Compare"
language: en-AU
last_updated: 2026-04-28T00:12:00Z
---

# Coles No Annual Fee Platinum Mastercard — Coles Credit Cards

> Credit & Charge Cards from Coles Credit Cards. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

The Product is a no annual fee credit card that provides individuals with a line of credit facility, the ability to earn Flybuys Points and complimentary insurances.

## At a glance

- **Purchase rate:** 20.74%
- **Annual fee:** $0.00

## Apply

Applications are handled by the provider: [Apply at Coles Credit Cards](https://www.coles.com.au/credit-cards/no-annual-fee)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase (Interest on purchases) | 20.74% | — | — |
| Cash advance (Interest on cash advances) | 20.74% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Annual Fee — Charged yearly | Ongoing | $0.00 |
| 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 | 3% of transaction |
| Over-the-Counter Transaction Fee — You will be charged A$2.25 for each payment made to your Account at Australia Post outlets by cash or EFTPOS. | Transaction | $2.25 |
| Paper Statement Fee — You will be charged a Paper Statement Fee of A$2.00 each month we issue you with a paper statement, debited to your Account in the following Statement Period. This fee may be waived in limited circumstances.", | Event | $2.00 |

## Features

- **Additional cards** — up to 4
- **Insurance included** — Complimentary Insurance
- **Balance transfers** — Eligibility criteria and terms and conditions apply
- **Interest-free period** — 44 days
- **Digital wallet** — Apple Pay
- **Digital wallet** — Samsung Pay
- **Digital banking** (Online Service Centre)
- **Digital banking** (Coles Credit Cards App)
- **Bill payment (BPAY)** — Pay Your Account
- **Bill payment (BPAY)** — BPAY
- **Loyalty program** — Flybuys
- **Fraud protection** (Coles Shield)
- **Digital wallet** — Google Pay
- **Instalment plan** — Eligibility criteria and terms and conditions apply

## 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 from Coles Credit Cards

- [Overview](https://www.coles.com.au/credit-cards/no-annual-fee)
- [Terms & conditions](https://www.coles.com.au/credit-cards/no-annual-fee)
- [Eligibility](https://www.coles.com.au/credit-cards/no-annual-fee)
- [Fees & pricing](https://www.coles.com.au/credit-cards/no-annual-fee)

## Data provenance

- Published by Coles Credit Cards under the Consumer Data Right
- Product ID: `d2f29089-d0ee-44bc-bd6f-05f6419841b7`
- Last updated by the provider: 28 April 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/coles-credit-cards/d2f29089-d0ee-44bc-bd6f-05f6419841b7
- Provider page: https://www.cdrcompare.au/brands/coles-credit-cards
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000165

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/coles-credit-cards/products/d2f29089-d0ee-44bc-bd6f-05f6419841b7) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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