Australian credit licence number 392145. Coles supermarkets australia pty ltd coles is an authorised representative of the issuer insurance australia limited abn 11 000 016 722 afsl 227681 and guild insurance limited abn 55 004 538 863 afsl 233791 and receives a commission for each policy sold and renewed. Coles unsecured credit products are issued by citigroup pty limited abn 88 004 325 080 afsl no.