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The Coles Mastercard credit card returns 2% cashback at Coles supermarkets and 1% at Coles Express — no caps, no points to redeem. At $99/yr, it is the best card for Coles loyalists who spend $100+/week on groceries.
Coles Credit Cards at a Glance
CashbackColes Mastercard
2% at Coles, 1% Coles Express. $99/yr. Best for Coles loyalists.
Why the Coles Mastercard credit card Stands Out
✓ What makes it worth it:
- 2% cashback at Coles supermarkets — uncapped
- 1% at Coles Express
- Cashback credited automatically as statement credit
- No points program to manage
- Mastercard acceptance everywhere
✗ What to consider:
- $99 annual fee — need $5,000+ at Coles to break even
- Only 0.5% on other purchases
- No travel insurance
- 19.99% purchase rate
- Only valuable if you shop at Coles regularly
Verdict: Who Should Get This Card?
The Coles Mastercard pays for itself if you spend $95+/week at Coles ($5,000/yr). Above that, it is pure profit. If you split groceries between Coles and Woolworths, the ANZ Cashback World at 1% everywhere may be simpler.
Ready to apply? Go directly to Coles:
✓ Official Coles website • ✓ Secure application • ✓ Takes 5-10 minutes
How much do I need to spend at Coles to break even? ▼
At 2% cashback, you need $4,950/yr at Coles to earn $99 back and cover the annual fee. That’s about $95/week.
Does cashback work at Coles Online? ▼
Yes — online Coles orders earn the same 2% cashback as in-store purchases.
Can I earn cashback on Coles gift cards? ▼
No — gift card purchases are excluded from cashback. Regular groceries, liquor, and household items qualify.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change — verify current details directly on the Coles website before applying.
