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Coles Low Rate MasterCard

Coles Low Rate MasterCard

1.6 from 542 reviews · View Details

Pros

  • Low $58 Annual Fee

  • Low 12.99% p.a. Interest Rate on purchases

Cons

  • flybuy Points can only be earned at Coles Supermarkets at a rate of 0.5 flybuy points per $1

  • 2.5% International Transaction Fee

Reviews

3.0

8 reviews
5
(3)
4
(0)
3
(2)
2
(0)
1
(3)
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Bhuwan

BhuwanSouth East Queensland, QLD

  • 7 reviews

Well bonus points make it worth having these card.

published

I have a very good experience with these card getting extra flybuys points makes having these card more valuable. I highly recommend everyone apply this coles mastercard. Thank you everyone

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateJanuary 2018
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
  • Special Purchases

The reviewer stated that an incentive was offered for this review

Chris B.

Chris B.Perth, WA

  • 2 reviews

Very happy with my Card

published

I have had this credit card for almost 3years, and the great interest rates and the fact that i get 55days interest free on purchases is so worth it. No Annual fee, and suits the purpose.
Sure you don't get any frequent flyer points, but i am okay with that. Never had any issues, and would highly recommend this.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateDecember 2016
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
  • Overseas/Travel
  • Special Purchases
Cheraag S.

Cheraag S.Greater Melbourne (Metropolitan), VIC

Standard No Annual Fee Card

published

Never had issues with the card. The good part is that you can get flybuys points on purchases.

The app however needs a lot of work to be user friendly.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateJuly 2018
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
  • Special Purchases
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Jamie L.

Jamie L.South East Queensland, QLD

Not a real credit card

published

Have just found out you can’t use it to buy lotto tickets , buy tickets from surf life saving and betting companies . Not a real credit card just half a card.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Main Point of ContactPhone
Card / Account Used For
  • Online Shopping
  • Special Purchases
C. Blair

C. BlairHunter Region, NSW

  • 12 reviews
  • 3 likes
  • Verified customer

No compliants here

published

Have had a Coles Low Rate Fee Free MasterCard for at least a couple of years now. I use it for all purchases, pay it off every month so I don’t pay interest. Have linked it to my Flybuys account so I accumulate points with every purchase. There are no negatives for me. I haven’t had to contact the company with any queries so can’t rate the company on their actions when queried on something.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Main Point of ContactOnline
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
  • Overseas/Travel
  • Special Purchases
karen55

karen55Greater Melbourne (Outer), VIC

  • 35 reviews
  • 24 likes
  • Verified customer

Great Card....Love It!

published

This is a great little card. No annual fees, low interest rate. I don’t pay any interest as I pay my card off every month. Can attach it to your flybuys account and receive 1 point for every $2 spent anywhere. No ongoing fees, can speak to someone 24/7 if you have a problem. Often have promotions running with flybuys which new customers can receive $100 in renumeration. BPay is usually paid by next day if done before 6pm day before, even on weekends. You are notified of all payments, and large transactions which great. Have not used it overseas.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateFebruary 2017
Main Point of ContactPhone
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
  • Special Purchases

The reviewer stated that an incentive was offered for this review

Sharon J.

Sharon J.Illawarra, NSW

How hard is it to close a coles credit card?

published

Very hard apparently after numerous emails an "online chat" and then a phone call, Coles will reverse the annual fee which was charged 2 months after a request to close the account. The process is you have to pay the fee, then they will refund the fee and send a cheque after the next billing cycle! Well played Coles thankyou for inconveniencing your customers

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Main Point of ContactOnline
Card / Account Used For
  • Special Purchases
Michelle

MichelleSouth East Queensland, QLD

  • 2 reviews
  • 1 like

Apalling customer service attitudes

published

Advised change of address.
3 months later ordered new card.
Sent to old address.
Cancelled and reissued. They advised will send via express post. Advised 1 to 4 days delivery.
4 days later rang and asked for a tracking number to check with Australia Post. Advised they don't have this info.
Spoke with Account Manager who advised will track it and ring me the next day.
No phone call received.
Spoke to another Account Manager called Enzo said there's nothing further they can do.
Got the impression that he couldn't give a rats and wouldn't try to help. I was very insulted by the tone of voice and lack of care and understanding about my situation.
Has anyone else had issues with them?

Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Main Point of ContactPhone
Card / Account Used For
  • Everyday Expenses
  • Online Shopping
  • Special Purchases
See all Coles Low Rate MasterCard reviews

Questions & Answers

ebonnieforster

ebonnieforsterasked

How do I make payments on my card balance without setting up a direct debit for the due date?

No answers
June S.

June S.asked

How to cancel this card please

No answers
ian t.

ian t.asked

how do i cancel my direct debit authorities

No answers

Get an answer from our members and Coles representatives

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