✅ 0% p.a. on Balance Transfers for 15 months – A great way to consolidate your credit card debt¹
✅ Competitive 13.49% p.a. interest rate on purchases – One of the lowest rates available¹
✅ $58 annual fee – A cost-effective option for everyday spending
✅ Up to 55 interest-free days – More time to manage your payments smartly⁷
Why our team recommends the Coles Low Rate Mastercard
If you’re looking for a simple and affordable credit card, the Coles Low Rate Mastercard is a solid choice. Its low interest rate on purchases makes it ideal for those who carry a balance occasionally, while the 0% p.a. balance transfer offer provides an opportunity to clear existing debt.
The reasonable $58 annual fee keeps costs in check, and you can enjoy the flexibility of interest-free days on purchases. Plus, with digital wallet compatibility, making secure payments with your phone has never been easier. Whether you need a backup card or a daily-use option, this card is designed to be budget-friendly and reliable.
Author’s opinion
The Coles Low Rate Mastercard is a great entry-level credit card for those who prefer lower fees over extra perks. While it doesn’t offer rewards points or premium benefits, it excels at keeping costs down. The 0% balance transferoffer is a standout feature for anyone wanting to consolidate debt and save on interest.
For those who prefer a card with rewards, Coles also offers a Rewards Mastercard, which might be worth considering. However, if you prioritize low rates and straightforward features, this card is a fantastic choice.
Want to know more about the card?
Click the button below to explore more details about the Coles Low Rate Mastercard, including its full list of features, fees, and terms. You’ll also find step-by-step guidance on how to apply.