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$ 15000
$
%
$ 15000
$
%

Balance Transfer Savings

0% Purchase Savings

You could save

$0

Savings is an estimate of the amount saved on interest charges and annual fees, as a result of transferring an eligible balance to the 0% balance transfer card for the interest-free period.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as applicable balance transfer and annual fees, along with the following assumptions:
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

in 6 months

You could save

$0

Savings is an estimate of the amount saved on interest charges and annual fees during the interest-free period, as a result of making a purchase on a 0% purchase card, rather than on your existing card.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as the annual fee, along with the following assumptions:
• The purchase amount is incurred in the first month
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

More info links to a detailed product page on our site.

in months

$

p.a.
Annual Fee
p.a.
% p.a.
Purchase Rate
$

p.a.
Annual Fee
% p.a.
Purchase Rate
$
p.a.
Annual Fee
$

annual fees
Total Fees
Total Fees is a calculation based on the total annual fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation considers annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

Coles Rewards Review

Pros
  • 18 month balance transfer offer
  • Up to 55 days interest free period
  • Low annual fee
  • Coles Mobile Wallet Access lets you view and activate flybuys offers on your phone.
Cons
  • Balance transfer fee of 1.50%
  • Relatively high international transaction fee of 3%
  • No interest free days on purchases while carrying a balance transfer
Mobile Cardless PaymentsYes
Apple Pay
Samsung Pay
Card TypeMastercard
Minimum Credit Limit$2,000
Cash Advance Rate
Interest rate incurred for a cash advance
19.99% p.a.
Interest Free Period
The maximum period of time that no interest is charged on new purchases. May not be applicable if the account or closing balance is not paid in full by the due date.
Up to 55 days
Purchase Rate
The standard interest rate that applies to purchases on the card
19.99% p.a.
Balance Transfer Revert Rate
The interest rate that will be charged on any remaining debt after the balance transfer period ends. This value could be variable depending on the card product.
19.99% p.a.
Balance Transfer Fee
Fee incurred for processing a balance transfer
1.5%
Balance Transfer Months
Number of months the promotional balance transfer offer applies
18 months
Balance Transfer Rate
The interest rate applied to the balance transfer amount for a set period of time
0% p.a. for 18 months with a 1.5% balance transfer fee
Offer Ends31 Mar 2021
Annual Fee
An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years.
$99 p.a.
Rewards Programflybuys
Minimum Age18 years of age or over
Rewards Earn Rate per $ spent
The number of rewards points earned for each eligible dollar spent on the card
2 points per $
Annual Fee
An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years.
$99 p.a.
Cash Advance Fee$1.95 per transaction under $65, or 3% for transactions $65 and above.
Minimum Monthly Repayment
The minimum repayment that must be paid by the payment due date to avoid incurring late fees. Interest will still be charged on the remaining amount owing.
Yes see (i) for detail
i. the Card Balance if it is less than $30; or
ii. the greater of:
a. $30; or
b. 2.00% of Card Balance; or
c. the sum of 1.00% of the Card Balance, Late Payment Fee (if any) and interest charged (excluding any interest included in amounts added back below as part of a Fixed Payment Option) for that month, plus any Instalment, initial interest charge, or related interest that is part of a Fixed Payment Option for that month.
Late Payment Fee
Fee incurred if the minimum repayment is not paid by the due date
$30
International Cash Advance Fee$5
International Transaction Fee
Fee incurred for transactions made in foreign currency
2.5% of the transaction value
Additional ExtrasYes
Coles Mobile Wallet Access lets you view and activate flybuys offers on your phone.
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