Coles no annual fee master card is a good credit card for the basic usage of any user. It has no annual fee and you get flybuys points as a reward which can be used to by stuff from coles. I have used it overseas but it charges you the fee. Has a good policy for the fraud, I have been spoofed by fraud, but they credited my account instantly and sent me the new card immediately. I will recommend this credit card for the people who are new to the credit card.

Im really happy with this card. No annual fee and I earn flybuys points on most purchases. The app is easy to use to track my purchases and view statement

You would pay Standard fees.
Not Easy to transfer balance to credit card.
Rewards given by coles credit card is generally better other card
Generally satisfied with rewards and points scheme.
You should enjoy no annual fee.

It is easy to use overseas and locally. U can even take cash from it. No fees make our life easier and beautiful. ALSO U CAN GET POINTS WHEN U USE IT.

It earns you points not the highest but still. If you had it with price protection option much better. 60 days interest free period, not a lot of credit cards offer this now.

It's an "apply-use-pay" credit card for me, been with them for almost 4 years now.
Decent flybuys reward, convenient as it has flybuys barcode on the back of the card.
No annual fee, no overlimit charge. no complain so far.

One of the great thing about this credit card is that there are no annual fees, and it is linked to flybuys . I am now earning more flybuys points. We use it every time for our day to day activities

I like the fact that there are no fees and a 60 day interest free period. Aside from that, the features are relatively standard and what you would expect for a zero fee card. Good to use when shopping at Coles/Coles Express for boosted Flybuys which are simple to use when shopping at Coles (at the checkout), but if points are important to you it might be worthwhile signing up to a card with a points based sign up bonus. The app is a little laggy and customer service can be helpful on occasion - one issue I had took approx a month to sort out - so again nothing outstanding. Overall is ok and I'd recommend if you were looking for a card that never charges annual fees.

linked to flybuys points, which is not bad.
no annual fee ever, which is great.
can overpay if need to pay for something above credit card limit, which is useful.
helpful customer service.

Good credit card for earning Flybuys points. No Annual fees.
I use this card every day and for direct debits.
Need to spend $2 to get 1 Flybuys point.
Charges for International transactions.
Customer service is not good and probably overseas.
Need to call several times to rectify issues and long wait.
Recently changed my card number, issued new card without any explanation and caused inconvenience.

Never had any major issues with this card. It's easy to work out what payments are due and they send reminders as the due date nears if you haven't made a payment yet. Received flybuys points on purchases as well as bonus point offers. Earn rate was OK for a free card but has deteriorated as partners such as Medibank have left. Flybuys are easily converted to $10 off at Coles with this card. Used overseas with no issues.
Unfortunately after Citibank took over the service deteriorated in terms of the app functionality and fairly intensive phone calls to offer other financial services products.

I am always on a lookout for a zero fee credit card. I prefer not earning extra rewards vs. having to pay annual fees. So this Coles No Annual Fee MasterCard suits me just fine. The ability to earn flybuys points are an added bonus

A credit card that gives you flybuys points on any purchase without having to pay an annual fee. Its a steal! There are many cards out there will require an annual fee for some sort of reward system.
Downside: transaction fee charged on purchases in foreign currency

Very good price protection, and you don't pay extra for it as long as you pay your balance in time. Applying for this credit card was one of the best decisions I've made, and it's free!
Having the flybuys code on the card is also very convenient.

I have used the Coles no annual fee credit card for the past 8 years and it is my everyday card. I have all my direct debits set up and can login to the app to see all my transactions easily. Getting flybuys on all my purchases adds up over the year. If I have any issues I call the number on the back of my card and the customer service team does their best to help right away or if not they call me back within a few days. I frequently scan the flybuys barcode on the back of the card and rarely used my flybuys card as every 2000 points I can instantly redeem at Coles Supermarkets.

I have not had any problems using this card and I like that I earn flybuys on it. It was the "no annual fee" that prompted me to sign up for this card. There are probably other cards that offer more benefits, but for now I'm happy with it.

It is a perfect credit for people who mostly shop on Coles, Target, Kmart and other flybuys partners. It gives you 3 points (2 points for using credit card and 1 point for scanning flybuys card) per dollar spent on these stores. It is easy to pay your bills using direct debit facility.

I've had this card for few years now. It came with $100 off my first shopping at Coles. It had straight forward terms and conditions and I could also accumulate flybuy points for using it. I use it on a daily basis especially now when I can add it to my mobile wallet and use it to pay without having to carry the physical card. No fees for the life of the card. I would recommend it to anyone that needs no fee credit card.

I signed up for this card purely for the $100 off shop promotion. Basically you sign up for the card and once approved and you make a purchase you get $100 to spend at Coles that must be used in one shop. The other bonus is the no annual fee. So just by being approved and making a purchase you're already $100 ahead. You can also use the card to redeem flybuy points rather than having to go online to redeem them.

I didn't use it overseas so I can't comment on transaction fees / exchange rate. I would say there are probably better cards to use overseas like 28 Degrees.