Ready to apply for credit card benefits that go beyond the basics? With the Coles Rewards credit card, you can unlock Flybuys points, exclusive offers, and added perks to enhance your everyday spending.
Besides earning Flybuys points quickly, as long as you maintain a decent spending range, you’ll also get: access to Coles promotions, up to 55 days interest-free, and extra insurance.
Here are the ideal profiles for applying for the Coles Rewards credit card:
✅ Frequent Coles shoppers: Perfect for those who shop regularly since they’ll generate more points.
✅ Reward seekers: Do you love earning points? You’ll definitely get the most out of your spending.
✅ Online and international shoppers: The low fee for international transactions, including overseas cash advances, is another great reason to apply.
Who’s Eligible to Apply for the Coles Rewards Credit Card?
The requirements are pretty standard, similar to most credit card application processes:
- Minimum age: You must be 18 or older to apply.
- Location: Approval is limited to permanent residents of Australia, so you’ll need to prove a fixed address in the country.
- Stable finances: While the exact figure isn’t specified, you must have a regular income source to show you can meet repayments.
- Good credit rating: The company will review your financial history, which includes whether you’ve had trouble making payments or if you have other debts, for example.
If you meet these criteria, you’re ready to start your application. Now, let’s look at what you need to have ready to successfully complete the process!
Essential Documents and Information
- Proof of income: This could be a recent payslip, bank statement, or tax return to confirm your earnings.
- Official ID: A driver’s licence or passport will be required to verify your identity.
- Employment details: Information about your current employer, including the company name, your job title, and how long you’ve worked there.
- Existing Flybuys membership number (if you have one)
About the Initial Limit: What to Expect
The limit varies widely, depending on your income, debt history, and repayment capacity.
As a result, we can’t say what your personal credit limit will be — only the company will inform you after review, as this is sensitive information.
While they don’t specify an exact amount, the issuer does state that the minimum limit when applying for the credit card is $1,000, and it can go up to $100,000.
How to Apply for the Coles Rewards Credit Card
To get started, enter your personal details and contact information. Make sure to carefully review everything before saving, as you won’t be able to go back once it’s saved.
Tap CONTINUE to move on to the financial details stage. Provide information about your occupation and income.
You’ll then receive the credit card offer. At this point, it’s important to read through the contract terms, okay? If you agree, finalise the application by submitting it.
Wait for the outcome, which will arrive via email or SMS.
Useful Contacts
You can use the app or website to browse the FAQs, or reach customer support through the help centre anytime, 24 hours a day, 7 days a week: 1300 306 397 or (+61) 1300 306 397 if you’re overseas.