Rewards Mastercard | Coles Credit Cards (2023)

Flybuys points and rewards calculator

Using your Coles Rewards Mastercard

Use our calculator to add up your Flybuys points or Dollars off your Coles shop. Enter your shop amount in the fields below to calculate how much you could earn.

(Video) MLIFE Rewards Mastercard

To obtain a copy of the Target Market Determination (TMD) related to this product click here.

Terms and conditions

Credit card criteria

Spend and credit criteria, fees and charges, terms and conditions apply. Individuals must be 18+. Offers available to new customers only and is not available with any other offer. 

(Video) Walmart Credit Card Review 2022 - Walmart Mastercard & Walmart Rewards Store Card

*Your total Balance Transfers may not exceed 80% of your Credit Limit. The 0% p.a. interest rate applies to balances transferred with this offer for a period of 12 months. The 12 months promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within 90 days from approval to receive this offer. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 19.99% p.a. for a Coles Rewards Mastercard®. Please note you are not entitled to any Interest Free Period on Retail Purchases whilst you have a Balance Transfer. This means that all transactions will be charged interest at the applicable Annual Percentage Rate from the date of transaction. This offer is valid until31 July 2023. Post this advertised date; NAB reserves the right to continue, withdraw or change the offer at any time without notice. This offer cannot be used in conjunction with any other offer and is not available when closing/transferring from another Coles Mastercard. For important information to consider before taking up a Balance Transfer,please click here for Balance Transfer information.

+To be eligible to receive up to 100,000 Bonus Flybuys Points, you must apply for a Coles Rewards Mastercard by 31 July 2023. Include your Flybuys number on your application to receive this offer. This offer cannot be used in conjunction with any other offer. Your Coles Rewards Mastercard needs to be in good standing for the Bonus Flybuys Points to be awarded. Points will be forfeited if you close your Account before we instruct Flybuys to credit them to your Flybuys Membership Account. Standard Flybuys Terms and Conditions apply and are available 60,000 Flybuys bonus points: You will receive the 60,000 Bonus Flybuys Points, when you spend $4,000 or more on eligible retail purchases (excluding Cash Advances, Balance Transfers, Special Promotions, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges, refunds and chargebacks) in the first 90 days of the Account approval date. You will receive the Bonus Flybuys Points within 4 weeks of meeting the required $4,000 spend, credited to the Flybuys Membership Account linked to your Coles Mastercard. Additional 40,000 Flybuys bonus points: You will receive an additional 40,000 Bonus Flybuys Points within 12 weeks of your Account being open for 12 months, provided the card has been activated by you, credited to the Flybuys Membership Account linked to your Coles Mastercard.

3Terms and conditions apply to the use of Apple Pay. Apple Pay is available on compatible Apple devices. Apple, the Apple logo, Apple Pay, Touch ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

4Terms and conditionsapply to the use of Samsung Pay. Samsung Pay is available on compatible Samsung devices. Samsung, Samsung Pay, Galaxy S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

(Video) Bilt Credit Card Review - Beginner's Guide to EVERY Benefit You Need to Know

5Terms and conditionsapply to the use of Google Pay. Google Pay is available oncompatible Android mobile devices.Google, Android, Google Pay and Google Wallet are trademarks of Google LLC.

6The contactless terminal must have an NFC reader. For certain merchant terminals, a transaction limit may apply.

7 The International Transaction Fee for Retail Purchases is currently waived on the Coles Rewards Mastercard, however any Cash Advance in foreign currency, or a Cash Advance made outside of Australia, will continue to incur an International Transaction Fee of 2.50% of the transaction value when converted to Australian dollars, plus any other fees applicable to a Cash Advance from the date of the transaction. 

⁸Complimentary insurance covers are provided to your Account by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (“Allianz Global Assistance”) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (“Allianz”). AWP has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Access to the benefit of cover under the Coles Mastercard Platinum Complimentary Insurance Terms and Conditions is provided to eligible NAB cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Coles credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian credit licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. You must check whether or not it is appropriate, in light of your own circumstances, to act on this advice. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the Coles Mastercard Platinum Complimentary Insurance Terms and Conditions Information Booklet which can be found may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance. For general enquiries call Allianz Global Assistance who issues and manages the Group Policy on behalf of Allianz.

(Video) *WATCH ME APPLY* Bilt Credit Card (Bilt Mastercard Application)

9 Concierge is a complimentary service available to the Primary Cardholder of a Coles Platinum credit card. Refer to the Coles Mastercard Rewards Terms and Conditions. Concierge Services are provided by Aspire Lifestyles (Americas), Inc.

10TheInterest Free Period applies to Retail Purchases, interest, fees and charges when you pay your full Closing Balance from your last statement by the Payment Due Date (excluding any Fixed Payment Option balance which isn’t due for payment by that Payment Due Date). NoInterest Free Period is available on Cash Advances or Balance Transfers. Please note you are not entitled to theInterest Free Period whilst you have a Balance Transfer.

Redeeming and earningFlybuysPoints

2An eligible purchase is an Eligible Transaction as defined in the Coles Mastercard Rewards Terms and Conditions found means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, bank fees and charges such as interest and ATM charges, transactions made using Flybuys Points and government related transactions. The number of Flybuys Points awarded is calculated by reference to the Australian dollar amount of the transaction. Flybuys Points awarded for using a Coles Mastercard linked to your Flybuys Membership Account are in addition to Flybuys points awarded by Flybuys partners and will be allocated by Flybuys in accordance with the Flybuys terms and conditions found

ᗮWhenyou scan yourFlybuysbarcode you will collect 1Flybuys point per $1 spent at Coles, excluding purchases of all gift cards, iTunes cards, charitable donations, tobacco and tobacco-related products and Coles Online delivery fees. This point is independent of your Coles Mastercard. StandardFlybuysterms and conditions apply and can be found at

(Video) MGM Rewards Credit Card - Put it on Black

^Flybuys dollars Redemption: Flybuys dollars can only be redeemed in increments of $10. Flybuys dollars may be used in-store at Coles Supermarkets, Liquorland, First Choice Liquor, First Choice Liquor Market, Coles Express, Kmart, Target, Officeworks and mycar only. Flybuys Points can be converted to Flybuys dollars in multiples of 2,000 points only. 2,000 points equates to $10 Flybuys dollars. Flybuys dollars cannot be used for online purchases. Flybuys Points and Flybuys dollars have no cash or monetary value. Click here for the Flybuys dollars terms and conditions. Standard Flybuys and Flybuys Rewards terms and conditions also apply.


~The Canstar 5-Star Rating for Outstanding Value Rewards Credit Cards in 2020 and 2021 was awarded to the Coles Rewards Mastercard.


Rewards Mastercard | Coles Credit Cards? ›

The MasterCard Rewards program offers a wide range of reward options, from Pay with Rewards, cash as a credit to your account and gift cards/certificates to merchandise and air travel.

What is a Mastercard Rewards card? ›

The MasterCard Rewards program offers a wide range of reward options, from Pay with Rewards, cash as a credit to your account and gift cards/certificates to merchandise and air travel.

Where can I use Mastercard reward card? ›

Accepted at locations everywhere Debit Mastercard and Visa debit cards are accepted.
  • Use Online. The Reward Card is a simple, safe and convenient method of making online payments. ...
  • ATM Access. Flexibility to use your Card at ATMs and get cash back at the point of sale (if your card allows cash access). ...
  • Use Everywhere*

What is the difference between a credit card and a Rewards credit card? ›

Rewards credit cards offer you some type of "reward"—typically cash back, points, or travel miles—for every dollar you spend, sometimes up to certain limits. Depending on the card, you can then use your rewards in a variety of ways.

How do I use my Mastercard rewards card? ›

Redeem for travel rewards, cash back3, gift cards or name brand merchandise.
To redeem rewards:
  1. Log in to Account Access.
  2. Select your Account, and within the top navigation select “Rewards & Benefits”.
  3. Click “Redeem rewards at Rewards Center” to reach the rewards center and start redeeming.

What is the highest level Mastercard card? ›

The highest Mastercard tiers are World Mastercard and World Elite Mastercard. These tiers offer the most and best benefits. Keep in mind, Mastercard is a card network, not a card issuer.

What is the credit limit on a Mastercard? ›

Mastercard credit limits depend on the card, and they can range from a couple hundred dollars to many thousands of dollars. There is no set minimum or maximum Mastercard credit limit, as credit lines are left entirely up to the discretion of individual credit card issuers.

Can I use my Mastercard as a credit card? ›

MASTERCARD CREDIT CARDShop and travel with confidence

Use your Mastercard® credit card for everyday purchases — at stores, online and even places that don't accept cash or checks, like hotels. Your Mastercard gives you the freedom to support the lifestyle you choose.

Can the All Rewards Mastercard be used anywhere? ›

The LOFT All Rewards Credit Card is a store card, and the LOFT All Rewards Mastercard can also be used anywhere that Mastercard is accepted. For both cards, cardholders earn 15% off on their first purchase at Ann Taylor,, Ann Taylor Factory Store, LOFT, or LOFT Outlet using the card.

Can I use my Mastercard at Walmart? ›

There are no surprises when it comes to what credit cards you can use at Walmart. Walmart accepts Visa, MasterCard and American Express cards. You can also use a variety of other payment methods with the retailer.
Major credit cards accepted at Walmart.
Credit card typeAccepted at Walmart
1 more row
Dec 7, 2022

Do rewards credit cards build credit? ›

Using a rewards card responsibly can be part of building credit and improving your credit score. And that's true of any credit card, whether it offers rewards or not.

What are the benefits of a Rewards credit card? ›

The pros and cons of rewards credit cards
  • You can earn cash back, points or miles on every purchase.
  • You can redeem rewards for money-saving opportunities like travel bookings, statement credits and online shopping credits.
  • Many rewards credit cards don't charge an annual fee.
Apr 17, 2023

Should I have 3 credit cards? ›

It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.

Can you withdraw money from a Rewards card? ›

You generally can get cash back from your credit card by making eligible purchases and then requesting your rewards as a statement credit, check or transfer to an eligible bank account. Depending on your card and the rewards program, you may also be able to set up automatic redemptions.

Do Mastercard rewards expire? ›

Credit card points and miles won't expire as long as your account remains open. However, points and miles earned with airline and hotel loyalty programs do typically expire following a lack of activity.

Does Mastercard charge an annual fee? ›

Beyond tiers, Mastercard holders can earn competitive rewards, benefit from no annual fees and even pay off debt with an intro 0% APR depending on which card you have.

Why Mastercard is better than Visa? ›

On entry level cards, there is very little difference between Visa and Mastercard, as both provide a similar suite of basic features. However, Mastercard includes impressive special luxury offers on its World and World Elite level cards, which can be attractive for big spenders.

Which is better Visa Platinum or Mastercard? ›

For most people, it doesn't really matter whether they get a VISA or a MasterCard. Both are equally secure and offer similar benefits. While VISA has a slightly higher market share and greater amount of transactions worldwide, both VISA and MasterCard are equally well-accepted by merchants.

What is the highest credit limit for Capital One Mastercard? ›

Almost all cardholders have credit limits between $1,000 and $10,000, with over a third at $3,000 or less. Then there's the Capital One QuicksilverOne Cash Rewards Credit Card, which is aimed at consumers with fair credit or worse. Top credit limits may range from $2,000 to $5,000.

How much should I spend if my credit limit is $1000? ›

A good guideline is the 30% rule: Use no more than 30% of your credit limit to keep your debt-to-credit ratio strong. Staying under 10% is even better. In a real-life budget, the 30% rule works like this: If you have a card with a $1,000 credit limit, it's best not to have more than a $300 balance at any time.

What credit limit can I get with a 800 credit score? ›

Despite those high balances, it's equally important to note that those with high credit scores also have high credit card limits. For those with 800-plus scores, their average credit card limits are $69,346. That's up from the $58,514 average we found in May 2021.

What credit limit is considered high? ›

A high-limit credit card typically comes with a credit line between $5,000 to $10,000 (and some even go beyond $10,000). You're more likely to have a higher credit limit if you have good or excellent credit.

Do you need good credit for a Mastercard? ›

There are Mastercard credit card offers for people with credit scores ranging from bad to excellent, as well as applicants with limited or no credit. The credit score required for each Mastercard is up to the banks and credit unions that issue cards on the Mastercard network.

How do you qualify for a Mastercard? ›

All credit cards will require you to be at least 18 years old, with enough income or assets to afford a card's monthly minimum payments, a valid identity and a U.S. mailing address.

Which banks are Mastercard? ›

Major Banks with Credit Cards on the Mastercard Network
  • Bank of America.
  • Barclays.
  • Capital One.
  • Chase.
  • Citibank.
  • Synchrony Bank.
  • U.S. Bank.
  • Wells Fargo.
Jul 18, 2022

Why do places not accept Mastercard? ›

The main reason you, as a business owner, might not accept certain credit cards is because they have higher fees, or interchange rates, than others. Interchange rates are set by the issuing bank of each card and can vary widely. Here are the minimum interchange rates for some popular card networks: Mastercard: 1.5%

Do a lot of places not accept Mastercard? ›

Is Mastercard accepted everywhere? Yes, Mastercard is accepted almost everywhere you can use a credit or debit card. Millions of merchants in more than 210 countries and territories take Mastercard. And that includes more than 10.7 million retailers in the U.S. alone.

Can I use my Mastercard credit card at any ATM? ›

A: Yes. You may withdraw cash against the balance on most Mastercard prepaid and gift cards at any ATM. However, not all prepaid and gift card issuers allow ATM or foreign transactions. Be sure to check with your card issuer to ensure that these types of transactions are permitted.

What is the difference between Walmart Rewards card and Mastercard? ›

The main difference between a Walmart Store Card and a Walmart Mastercard is where you can use it. The Walmart Store Card can only be used at Walmart and its partners. The Mastercard can be used basically anywhere. As a result, the Mastercard also offers rewards for purchases made at other stores.

How much is the limit for Walmart Mastercard? ›

Credit limits for a Walmart credit card can range from $150 to over $5,000. Several factors go into determining your credit limit, including your annual income and credit history. Where can I use a Walmart credit card? The Capital One® Walmart Rewards™ Mastercard® can be used anywhere Mastercard is accepted.

Does Costco accept Mastercard? ›

What Credit Cards Does Costco Not Accept? Costco Warehouses and gas stations do not currently accept cards from any network other than Visa. This means Costco Members shopping in-store cannot pay with American Express, Mastercard or Discover—nor any other non-Visa credit card.

Should I pay off my credit card in full or leave a small balance? ›

It's a good idea to pay off your credit card balance in full whenever you're able. Carrying a monthly credit card balance can cost you in interest and increase your credit utilization rate, which is one factor used to calculate your credit scores.

What items should you not purchase with a credit card? ›

10 Things You Should Never Buy With a Credit Card
  • Mortgage Payments. ...
  • Small Indulgences. ...
  • Cash Advances. ...
  • Household Bills. ...
  • Medical Bills. ...
  • College Tuition. ...
  • Your Taxes. ...
  • Automobiles.
Feb 4, 2023

Should I use my credit card for gas? ›

Paying with a credit card rather than a debit card or cash gives you more security in the event of fraud. But another reason to consider using a credit card is that some types of purchases result in a hold on your funds. Examples include gas stations, hotels, and rental cars.

What are the 3 main types of credit card rewards? ›

Cash back, miles and points. The most common rewards cards offer one of three types of benefits: cash back, travel miles or rewards points.

Are rewards programs worth it? ›

Rewards programs are an effective way to save money while shopping — especially if you tend to frequent the same stores over and over again. While they offer a range of benefits to savvy shoppers, they can sometimes feel like more hassle than they're worth, especially when credit is involved.

Are cashback cards worth it? ›

Cash back rewards cards are worth it because they can help you save money as long as you pay off your balance each month. It is also worth noting that the best cash back credit cards with the highest rewards rates and signup bonuses sometimes have annual fees.

Does cancelling a card hurt credit? ›

Credit experts advise against closing credit cards, even when you're not using them, for good reason. “Canceling a credit card has the potential to reduce your score, not increase it,” says Beverly Harzog, credit card expert and consumer finance analyst for U.S. News & World Report.

Is 20 credit cards too many? ›

There's no such thing as a bad number of credit cards to have, but having more cards than you can successfully manage may do more harm than good. On the positive side, having different cards can prevent you from overspending on a single card—and help you save money, earn rewards, and lower your credit utilization.

How many credit cards is too bad? ›

Key takeaways: There isn't a set number of credit cards you should have, but having less than five credit accounts total can make it more difficult for scoring models to issue you a score and make you less attractive to lenders.

Is Rewards cash free money? ›

Many rewards credit cards offer cash back, and you may even find some debit cards that offer cash back on certain purchases. Cash back is not free money, but rather a reward for making purchases on expenses like gas, groceries, restaurant meals or even streaming services.

Can I transfer money from a rewards card to my bank account? ›

Yes, it's usually possible to transfer from a prepaid card to a bank account. Almost all general-use prepaid card issuers, including big names like Visa and American Express, permit the practice.

Can I transfer money from credit card to bank account? ›

You can transfer money from credit card to bank account using offline methods such as signing a cheque, RTGS, NEFT or through an ATM.

How do I claim my Mastercard rewards? ›

Log in to your online account with your user ID and password. Find the accounts page and click the rewards tab. Select your redemption option. Redeem your rewards.

Why did my credit card rewards disappear? ›

Any time your credit card gets refunded, the points, miles or cash back you earned on the original purchase will be subtracted from your rewards balance. You should see your rewards disappear once your refund is processed onto your credit card.

What is the best credit card for the average person? ›

Best Credit Cards for Fair/Average Credit in 2023
  • Zolve Azpire Credit Builder Card + Checking Account: Best for building credit with no interest.
  • OpenSky® Secured Visa® Credit Card: Best for no credit check.
  • Avant Credit Card: Best for no penalty APR.
  • Indigo® Platinum Mastercard®: Best for bankruptcy forgiveness.
May 17, 2023

Do you have to pay off a Mastercard every month? ›

It's Best to Pay Your Credit Card Balance in Full Each Month

Leaving a balance will not help your credit scores—it will just cost you money in the form of interest. Carrying a high balance on your credit cards has a negative impact on scores because it increases your credit utilization ratio.

Is my Walmart Rewards card a Mastercard? ›

Capital One Walmart Rewards® Mastercard® Card Overview

For fans of online shopping and Walmart stores, the Capital One Walmart Rewards® Mastercard® could be one of the best credit cards for groceries.

How do I check the balance on my Mastercard reward card? ›

1. Be sure to know your balance before you shop. Check your balance at or call 1-833-623-4266.

Do rewards cards have a limit? ›

Credit cards that offer bonus rewards in certain categories often limit the amount of spending eligible for their highest reward rates. Sometimes these limits are imposed on an annual basis; other times, the limits apply quarterly — that is, to three-month periods of the year.

Can I use Mastercard instead of credit card? ›

Most of what you get with a card comes from the issuer. Visa and Mastercard are both accepted just about everywhere that takes credit cards. With only a handful of exceptions, any place that takes one will take the other.

Do rewards cards build credit? ›

Using a rewards card responsibly can be part of building credit and improving your credit score. And that's true of any credit card, whether it offers rewards or not.

What is the credit limit on a Walmart Mastercard? ›

Credit limits for a Walmart credit card can range from $150 to over $5,000. Several factors go into determining your credit limit, including your annual income and credit history. Where can I use a Walmart credit card? The Capital One® Walmart Rewards™ Mastercard® can be used anywhere Mastercard is accepted.

Who qualifies for Walmart Mastercard? ›

The Walmart Credit Card requirements for approval include: Being 18+ years old. Having a credit score of at least 640 (fair credit). A monthly income that's at least $425 more than your monthly housing payment.

Why are banks changing from Visa to Mastercard? ›

According to the bank, the move is to improve customer service and not due to visa charge fees. Countless Royal Bank of Scotland account holders are to receive Mastercards to replace their current Visa debit cards - as Natwest follows in the footsteps of Santander and First Direct.

How do I use my Mastercard reward card online? ›

To Shop Online, select and enter the card information as you would a credit or debit card. Always ensure the balance is more than the entire cost of the purchase. Mastercard Gift Cards bring people together and help make occasions special.


1. The Bilt Mastercard // Get Approved INSTANTLY
(Joshua Butler - Credit Cards & Personal Finance)
2. MGM vs Caesars Credit Card 2022
(Money Growth Project)
3. DoorDash Rewards Mastercard Review | SPEECHLESS
(Noble Credit)
4. Credit Cards: Caesars Rewards vs M Life (MGM)
(Money Growth Project)
5. MGM Rewards MasterCard - Unboxing
(Finance Breakdown)
6. $2,000 Credit Card Approval - Pre-qualify With NO Hard Inquiry - Destiny Mastercard | Rickita
(Rickita Realtor & Credit Repair Expert)


Top Articles
Latest Posts
Article information

Author: Merrill Bechtelar CPA

Last Updated: 10/29/2023

Views: 6379

Rating: 5 / 5 (70 voted)

Reviews: 93% of readers found this page helpful

Author information

Name: Merrill Bechtelar CPA

Birthday: 1996-05-19

Address: Apt. 114 873 White Lodge, Libbyfurt, CA 93006

Phone: +5983010455207

Job: Legacy Representative

Hobby: Blacksmithing, Urban exploration, Sudoku, Slacklining, Creative writing, Community, Letterboxing

Introduction: My name is Merrill Bechtelar CPA, I am a clean, agreeable, glorious, magnificent, witty, enchanting, comfortable person who loves writing and wants to share my knowledge and understanding with you.