We have found this card to be very generous with their rewards. We generally get about $800 - $1000 from this mastercard. Teamed up with flybuys it is a great way to rack up those flybuys points. The rewards system is far better than our previous credit card. We pay on time each month so the interest rate does not effect us. The BPAY option is easy to use to pay off the bill. Their customer service has always been helpful and prompt. The annual fee is worth paying for the rewards we make, which we save for Christmas. Overall A++ if you are looking for a good rewards credit card.

- This card was offering a generous deal of 120,000 bonus points when picking it up before Jan 2020 and spend $3,000 within the first 90 days of getting it (which is what i spend on groceries and bills alone).
- As a regular Coles shopper being able to utilise the 2 Flybuys points per $1 spent is fantastic to reduce my spending on groceries and they offer great deals from time to time.
- This card can also be used over seas too which offers fantastic benefits as it offers no international transaction fees.

I recently got this card and i pretty much happy with it. Its a good choice for someone who is coles shopper like me. You can also convert your points into Velocity flyers points. Overall am happy with the rewards I get with this card.

I havent used it overseas yet.

Good for everyday use. Sign up was easy surprisingly. Moreover you can convert your Flybuys point into Velocity flyer points.
I havent used it overseas. Overall I like this product and its good for coles shopper.

It does everything I need and I havent had any problems yet with it. It does the job well and also allows me to spend it at different stores, I am very happy

Good everyday credit card despite initial difficulties with application. I like the fact that Flybuys points can be converted to Velocity Frequent Flyer points, great for someone who shops at Coles! No international transaction fees.

Love the low fee and love the flybuy points you get from shopping at coles using the card. Never had an issue with service. Paperless statements easy to manage. No complaints.

I simply apply this for the balance transfer offer. I am quite happy with it but quite frustated at the start of the process. Got a call numerous times a day at the wrong time and told the guy that I will call back but he keeps calling.

This is my daily use card and have been using for quite many years now with absolutely no issues.
The flybuys points which based on your usage can not only cover the annual fee but can be used in many other ways - travel, meaningful redemptions like household goods etc...
I love the security feature which alerts you if your were card was used overseas and ofcourse as others had mentioned, no international transaction fee is an amazing feature of this card.
The customer service has been fantastic although I have only had to call them 2-3 times in the last few years.
Overall, happy with the card though I do realise other credit cards offer much comprehensive rewards than this one.

Love the double flybuys points, they really stack up quickly with the 2 for 1 Rewards cards. I also get these $100 gift card offers if I spend X dollars in the month which have been great!
New Live Chat feature is really good, and no international fees so it's a great card for travel. Apple pay just launched - love that

Great and amazing experience of using my card overseas.
Quite happy with rewards available and easyness to access that.
So easy to accumulate the points and so easy to redeem them on flybuys card.

I am having this card for more them 4 years now. Never had any problems and there is a coles credit card app you can install and track your spendings and it's also linked to flybuys so you will be able to track the offers and activate at the same time.

I didn't use this card overseas
Never used for balance transfer
Simply amazing card for rewards
yes very easy. fly buys Reward system is great,. you can use the points to buy from reward book or use them to shop at Coles Super market or Coles Express

I have no annual fee on this card and always pay the full amount before the due date thus not incurring any interest. It is attached to flybuys where I earn points for purchases. I always seem to have enough flybuy points to redeem $10 on a Coles shop. I have not used this card overseas, but I am happy with this credit card.

Excellent card - you get double flybuys points on every transaction made and no international transaction fees. Currently has a great deal - 120,000 Bonus Points and spend $3,000 in 90 days

Earning so many flybuys points using this card, it gives me the option to redeem for $10 off my shop in Coles which I do at least twice a week.

- I signed up to take advantage of the 120,000 Bonus Points when you apply by 31 January 2020 and spend $3,000 in the first 90 days from approval
- I do my weekly grocery shopping at Coles and often utilise Flybuys deals, so having my Flybuys membership barcode on the back of this card is very convenient.
- Collecting 2 Flybuys points per $1 eligible spend has boosted my Flybuys earnings rate.
- I plan to use this card overseas instead of a global currency card as it has no international transaction fees.