The flybuys earned on this card makes it all worthwhile. The app is easy to understand, use and has inbuilt flybuys deals and the Helpdesk is fantastic ! Very very happy

Great to be used overseas as there are no foreign transaction fees. 2 points for every $1 spent-perfect for Coles shopper. Easy access to Flybuys code on the back of card. Easy to redeem and transfer points.

Upto 55 days interest free. Earn flybuys points for using the card. Also, no need to carry your flybuys card seperately as the barcode is printed on the card. No international transaction fees. While the card has no initial annual fee, once it does kick in, it is a bit on the higher end.

Great to receive bonus flybuys at select stores when using a card with no annual fees. Also handy to have flybuys barcode on the back. Easy to use with a chip for PayWave.

Exchane rate is great when you using credit card oversease with no international transfer fee
Yiu can pay credit card with bpay
You get 2 point for every dollar and you can redeem at coles.

As said the rewards are not very intriguing and are not as persuasive to keep using it. It works fine and does the credit card job, but would be nice to have a few more rewards coming

The card has no annual fees and you still get to earn flybuys points and get upto 55 days interest fee. Also card acts as a flybuys card as barcode is at back of card.

Good rewards valued at 1% (min) back as Coles money (via flybuys). No international transaction fees which is great. and upto 55 days interest free (some cards are 44 days and for a $3-4k monthly spend this can be around $40-50 a year saving if that money is paying off your load or earning high interest). Run by Citibank which isn't great but I have to say the service is better than citibanks service a few years ago. Annual fee is a bit high at $99 but sill a good card.

We got the card due to the promotion:no annual fee forever.The card can be used to flybuys points.we didn’t have a chance to use this card oversea yet.It was quite a easy process to transfer balance over.I’m quite satisfied with the rewards and it’s simple to redeem and earn them. The only problem is the login service on the app is frustrating.Sometimes it didn’t recognises me.

Love this mastercard.Gives great amount of FLybuy points.Every dollar you spend gives 2 flybuys points which is awesome.I almost have $650 in my flybuys account.Its awesome :) Thats 65 free $10 visits to Coles/ Kmart / Ebay.

Excellent card for rewards points and backed by a reputable financial institution. Very happy with the service offered and customer service has been outstanding. Competitive interest rate offered and long interest free period.

The earning points rate is the easiest to understand. There is no monthly cap and conversion to Velocity points when required is seamless.
The mobile app is quite helpful as it combines your flybuys points statements and offers all into one place.

I've had my Coles credit card for 3 years and I'm overall I'm very happy with the service. Reward points are issued to my flybuys account within a few days, and I can spend them in Coles or sometimes I get an eBay voucher for $50 or $100. I use the card to make purchases when abroad (I'm in Singapore right now) and I know I'll get a good exchange rate.
There were a few issues with statements being issued late when they were bought over by Citibank about a year ago, but they seem to have ironed out any problems.

Very simple card to use. I can easily check online my statements and current uses. Anytime, I've had queries they are very quick in helping me sort these out. Satisfied with getting flybuy points and very easy to use the points. No fees for this card, which suits me fine, as I basically use it for the convenience. You also get offered a free insurance.

I applied for this credit card, and then was asked to upload a number of documents. I then uploaded these documents and kept getting emails saying I required more documents but the online system would not allow me to upload the required documents. I then called the call centre and after 30 mins and 3 different people I finally got an email address to send through documents. I then get an email saying that my application wouldn't be progressing. Then 4 weeks later I get a call (please note that they constantly called my mobile and office phone in a 5 min period till I answered - and were not willing to leave a message). Only to be told that they still needed furhter documents from me. What a waste of time and overly harassing.

This is a good, low-fee rewards credit card option if you regularly shop at Coles. The best feature of this credit card is that they don't charge international transaction fees on overseas purchases, which makes it a great travel credit card.

This Credit Card suits my lifestyle because I pay it off fully each month. The points I earn, I use to get $10 off at a Coles supermarket each shop or trade Flybuy points to use at Kmart, Target, Liquorland or Coles itself That way my beer is free and the wife can't complain ! The Security of the Email statements (needs password to view) and SMS on Online purchases give confidence.