Do not select this option if you answer YES to any of these questions:
1 Have your financial circumstances changed beyond temporary COVID-19 impacts, for example due to injury, illness or relationship breakdown?
2 Has your household income diminished to the point that you will not be able to cover your living expenses and financial obligations, even with deferred repayments?
3 Have your financial circumstances changed indefinitely due to unemployment and lack of employment prospects?
If you answered YES to any of these questions, a payment deferral may not be suitable for you. Instead, please click here to learn more about the Financial Hardship support that we may be able to offer you.

Coles unsecured credit products are issued by Citigroup Pty Limited, who have provided you with information about how you can manage your repayments during this time. The information on this page is provided by Citigroup Pty Limited for the purpose of supporting you in these challenging times.

Complete this form if your circumstances have changed due to COVID-19, and you would like to defer your repayments for three months on your Coles Mastercard or Coles Personal Loan account(s).

Important information

The following terms and conditions apply to the COVID-19 payment deferral program:

  • If you have Account Cover Plus, you may be eligible to make a claim on that policy. A claim on an Account Cover Plus policy wouldn’t preclude you from applying for the payment deferral program.
  • You are not required to pay any amounts (including any Instalment Plan or Fixed Payment Option (FPO) instalments) for three consecutive statement periods.
  • During the payment deferral period, we will not charge you late payment or overlimit fees that would otherwise be payable on your account.
  • You will be charged interest on your daily unpaid balance at the applicable Annual Percentage Rate (APR) in accordance with your product Terms and Conditions. Click here for the Coles Mastercard Terms and Conditions and here for Coles Personal Loan Terms and Conditions.
  • We will not report any missed payments to the credit bureau during the period of your payment deferral.
  • If approved, the payment deferral will apply to all Credit Cards, Personal Loans and unsecured credit accounts you hold with Citigroup Pty Limited.
  • If you have a Coles Personal Loan with an active Instalment Plan, your loan term will be extended by a period equal to the duration of your payment deferral period.
  • If you have an Instalment Plan, also called a Fixed Payment Option (FPO):
    • Any instalments that were due in the statement you received prior to the commencement date of your deferral period, and which remain unpaid, will be added to your outstanding balance and interest will be charged at the applicable APR in accordance with your product Terms and Conditions.
    • During the payment deferral period you will be charged interest at the applicable FPO rate on the outstanding principal component of your FPO balance.
    • This interest will appear on your first monthly statement after the deferral period ends as a separate transaction. No interest will be charged on this transaction amount.
    • At the end of the payment deferral period, your monthly FPO payments will resume with the same number of remaining monthly instalments to be paid at the same amount.
    • Please refer to your first statement after your payment deferral period for details of your remaining instalments and the interest amount applied which will appear as a separate transaction.
  • You will be able to continue to spend on your card during the payment deferral period, provided you are up to date in your repayments at the point of applying for a deferral and you have an available credit limit.
  • You will need to resume your payments as shown on your first statement after your deferral period ends.
  • If you have a credit card, during the processing of your assistance, your card will be suspended from use for a period of up to 48 hours while we are putting your deferral in place. This may also mean you have recurring payments from your credit card rejected during this time. We apologise for any inconvenience this may cause. This 48 hour suspension period does not apply to debit cards.

Please answer all questions. This will help us to identify your account and process your application quickly. Please note, the details entered here are for identification purposes only - if you would like to update your contact details, please log in to the Online Service Centre.

This application will apply to your Coles Mastercard, Coles Personal Loan and any other unsecured credit products you hold with Citigroup Pty Limited.

Please provide the last 4 digits of your card number:
Please provide the last 4 digits of any Coles Mastercard or Coles Personal Loan debit card you hold. This is for identification purposes only. If approved, your payment deferral will apply to all unsecured credit products you hold with Citigroup Pty Limited.
Please provide the full name of the primary account holder.
Please provide an email address to help us identify you. If you receive emailed statements, please provide the email address that your statements are sent to.
If we require more information about this application, we will call this number, so please ensure it’s your best daytime contact number.
Please tell us briefly about your situation.