Collect 1 point per $2 on eligible spend. Coles Low Rate Mastercard - Low rate of 12.99% p.a. Is a Fixed Payment Option available to me? You don't need a good credit history or a bank account to get started. For the coles rewards mastercard, you earn additional 2 points per dollar spent, but you don't get those points until credit card payments change from pending to settled. Please enable JavaScript and try again. you are eligible for a Fixed Payment Option; your purchases have not been billed yet on your monthly statement. 0000040913 00000 n Each purchase must not have appeared on your statement yet. You can still enjoy interest free days on your other purchases made outside the Fixed Payment Option when you continue to pay your closing balance off in full for each statement period less any Fixed Payment Option outstanding^. From 27 December 2018, this will be from the day after the Payment Due Date. Apply by 30 June 2021. To find out more about the impact of COVID … Contactless payments: Mastercard Tap & Go technology allows you to use this card for payments of less than $100. Please note that the minimum amount that can be assigned to a Fixed Payment Option is $500 per transaction and a maximum of 5 retail purchases can be assigned to a single Fixed Payment Option. From 27 December 2018, this will be from the day after the Payment Due Date. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance. However, when it comes to standalone Visa/Mastercard credit cards that earn points into flexible points programs with decent points earn rates, the options are very limited, and the Coles Rewards Mastercard deserves to be considered for its relatively low annual fee, a solid points earn rate from spend, and no international transaction fee on purchases when shopping online or overseas. You can have more than one Fixed Payment Option as long as each request is equal to or over $500. When will my first Monthly Instalment repayment be? Pay just 12.99% p.a. You can register for Card Services Online by clicking 'REGISTER' at, Managing your ~If your Fixed Payment Options are cancelled, the full outstanding balance of your Fixed Payment Options will also revert to:i. the retail purchases rate for Transaction Instalment Plans and Statement Instalment Plans and ii. We also reserve the right to cancel your Fixed Payment Option. Great value on prepaid mobile phones plans, data and tablets plans. Your browser does not support JavaScript! The minimum Retail Purchase or Cheque Request amount you can assign to the Fixed Payment Option is $500. Now that coles mastercard does not pay points for BPAY transactions, the only other way to pay the bill get points is to process the credit card payment with the biller each time (or set up a direct debit if the biller allows this – I already have this in place for all bills that allow it). As you repay the amount, your credit becomes available again to use for your next big purchase. If your Fixed Payment Option is cancelled, the full outstanding balance of your Fixed Payment Option will also revert to the standard Annual Percentage Rate applicable (the retail purchases rate is applicable for Transaction Instalment Plans and Statement Instalment Plans and the cash advance rate is applicable for Cash Instalment Plans). You will see a summary of your Fixed Payment Option on the next monthly statement received after you have set up a Fixed Payment Option. There are multiple benefits associated with having a Fixed Payment Option. 0000021055 00000 n Does my Minimum Payment Due include my Monthly Instalment Amount? Collect 1 point for every $2 you spend at Coles Supermarkets on your Coles Low Rate Mastercard. for details on how to pay your Fixed Payment Option off early. × Close Close As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate (APR) applicable to your account. 0000014367 00000 n 0000033831 00000 n Select an amount up to your available credit limit. Apply by 30 June 2017, make a purchase within 30 days, and get $100 off a single shop at Coles; Free Delivery upon spending $100 on Coles Online and paying with your Coles Mastercard; Access to 2 Years Price Protection via "Account Cover Plus" - I will dedicate a section to this below, as this is the primary highlight of the card Coles unsecured credit products are issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL and Australian credit licence 238098 (Citigroup) and distributed by Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708 (Coles). Coles may receive commission for the … The credit limit is subject to Citigroup's credit criteria. Coles Mastercard Credit Cards With Flybuys rewards, low rates and no annual fee options, compare Coles Mastercards to find one that works for you. As you pay off your Fixed Payment Option amount, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. This includes enjoying a lower interest rate and paying less in monthly interest (if you are not paying your balance off in full each statement period), as well as taking advantage of budget certainty with the ability to make fixed Monthly Instalment payments over a longer period of time. Instead, this innovative checkout option uses advanced payment technology and … Rewards privileges. No, you cannot allocate any portion of your outstanding balance to a Fixed Payment Option. Thats why you see Coles MasterCard entries in the flybuys statement, that refers to *sum* of all transactions settled on a day. 0000035329 00000 n Select from the repayment terms available and save on interest with a fixed lower rate*. Fixed Payment Options A Fixed Payment Option is a Special Promotion with the following additional terms and conditions: • Your Available Credit will be reduced by the amount attributable to the Fixed Payment Option; • an establishment fee or early termination fee may apply; • while it continues, the Fixed Payment Option will have a different APR 0000015387 00000 n As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your credit limit at the standard Annual Percentage Rate applicable to your account. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance. 0000024467 00000 n Yes, you can change it to a shorter term if you wish, however this will increase your Monthly Instalment repayment amount. #The calculator shows the estimated fixed Monthly Instalment amount at 12.99% p.a. © 2020 Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080, AFSL No. Each time you make a payment to your account at Australia Post outlets by cash, cheque or EFTPOS, you'll have to pay a $2.25 over-the-counter transaction fee. The interest free period applies when you pay your full closing balance from your last statement of account by the Payment Due Date (excluding any Fixed Payment Option balance which isnât due for payment by that Payment Due Date). When will I see my Fixed Payment Option on my statement? Repayments on a Fixed Payment Option. The Coles Mobile Wallet app lets you view and activate flybuys offers with your phone, while keeping track of your purchases for your convenience and control. This can be done at any time and does not involve any early repayment fees. After you have made a purchase, you can assign it to a Fixed Payment Option as long as it is not yet billed on your statement. How long do I have to assign purchases I have made to a Fixed Payment Option? My income also exceeds the minimum income necessary for the card ($25k). Yes. c. the sum of 1.00% of the Card Balance, Late Payment Fee (if any) and interest charged (excluding any interest included in amounts added back below as part of a Fixed Payment Option) for that month, plus any Instalment, initial interest charge, or related interest that is part of a Fixed Payment Option … My previous purchases to a Fixed Payment Option amount requested transfer you will be the. 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