40,000 Bonus Flybuys Points with $3K Spend in 90 Days on Coles Rewards Mastercard
Apply for the Coles Rewards Mastercard and spend $3,000 within 90 days to earn 40,000 bonus Flybuys points. The card has no annual fee and allows point transfers to Velocity rewards. Ideal for users who pay their balance in full each month to take advantage of up to 44 interest-free days. Offer ends 2 Nov 2026.
Original title
40,000 Bonus Flybuy Points with 3K Spend in 90 Days Coles Reward Mastercard
Quick take
- Frequent travellers building Velocity status
- Coles shoppers who can manage credit responsibly
- New customers seeking zero-cost reward opportunities
- Users unable to repay balances in full monthly
- People with low credit card usage or minimal interest in points redemption
- Those unlikely to reach $3,000 spend within three months
- No annual fee means pure upside if you meet the spend threshold
- 40,000 points equate to roughly $200 value when used effectively across groceries or travel
- Track your 90-day window carefully from approval date, not application date
- Returns do not count toward qualifying spend; keep receipts for verification if needed
- Price
- Reward offer
- Value per hour
- $384
Applying creates a hard enquiry on your credit file. Several applications in a short time can hurt your credit score and home loan approval.
See all risk notes ↓Fill in your profile and we'll tell you whether you can do this (state, visa status, banks, memberships).
Set up my profile →How to do it
- 1Apply for the Coles Rewards Mastercard via the official website or partner bank channel.
- 2Ensure your application is submitted before the deadline of 2 Nov 2026.
- 3Accumulate $3,000 in eligible purchases within 90 days of account opening.
- 4Receive 40,000 Flybuys points upon meeting the spend requirement, redeemable for Velocity miles or other rewards.
Conditions
- Eligible for new applicants only; existing holders of similar cards may not qualify.
- Application must be completed by the stated expiry date.
- Spending target must be met within 90 days from account activation.
- Maintain good standing to avoid forfeiture of rewards due to late payments or breaches.
Risks
- High riskApplying creates a hard enquiry on your credit file. Several applications in a short time can hurt your credit score and home loan approval.
- CautionYou need to spend $3,000 within the time limit. Don't spend extra just to reach it.
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