Coles Low Rate Mastercard

Benefits & Flybuys Points Calculator
Review the benefits of the Coles Low Rate Mastercard and calculate how many Flybuys Points you can earn based on the spend amounts you enter.
Last Updated 2022-07-05

The Coles Low Rate Mastercard allows you to earn Flybuys Points spending at Coles while also enjoying a lower interest rate on card purchases. The card also offers 0% p.a. on balance transfers which is fantastic if you're looking to move some of your debt to the card to pay it off interest free.

Card Details At-A-Glance

Issued By
Annual Fee
Foreign Transaction Fee

Coles Low Rate Mastercard earning rate

1X/$2 Coles Supermarket

The Coles Low Rate Mastercard earns 1 Flybuys point for every $2 on purchases at Coles Supermarket.

Coles Low Rate Mastercard benefits

  • Tap & Pay with Apple Pay and Samsung Pay
  • Protected By The Coles Shield
  • Complimentary Purchase Insurance
  • Access to 24/7 Local Concierge
  • Up To 55 Interest Free Days
  • Mastercard & Flybuys Card All-In-One

Coles Low Rate Mastercard points value

Redemption option Redemption value in cents
Transferring points to partners 1 - 1.5
Redeeming points at checkout 0.5
Redeeming points towards Flybuys Travel 0.5

Flybuys Points are worth 0.5 cents each when redeemed at checkout and when used towards travel through Flybuys Travel. Points can also be transferred to Virgin Australia Velocity which can give your points values of up to 1.5 cents or more.

Coles Rewards Mastercard points transfer

Flybuys Points earned with the Coles Rewards Mastercard can be transferred to Virgin Australia Velocity. This redemption option offers the most value as you'll be able to earn as much as 1.5 cents or more per point when redeeming for flights.


Flybuys points calculator

Input your monthly and yearly spend amounts to calculate how many Flybuys points you can earn with the Coles Low Rate Mastercard. Compare the results side by side up to two credit cards to find out which cards are best for you.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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