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Coles Reloadable Prepaid MasterCard $0 (Normally $10)

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Coles Reloadable Prepaid MasterCard $0 (Normally $10)
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jasperthegoat on 07/03/2016 - 20:48 financialservices.coles.com.au (5231 clicks)
Last edited 08/03/2016 - 09:33 by 1 other user
SAVE10

Great to combine with those who got emailed an offer to purchase this card and get 2000 bonus points

Similar to post previous posted

Minimum Load: $10

Load, spend and collect flybuys points
Load with your own money and stay in control of your finances. The Coles Reloadable MasterCard is the card that’s easy to buy and top up, again and again. You get the convenience and security of a MasterCard that you can use everywhere. Plus, you collect flybuys points everywhere you shop

Credits to JV from previous post:
Card Replacement Fee: $5.00 per replacement Card and $5.00 per upgrade.
Call Centre Fee: $4.00 per call
Balance Check Fee: $0.50 per call
Currency Conversion Fee: 3% of the total amount
Card Closure Fee: The amount of your remaining Available Balance
ATM Operator Fee: As quoted by the ATM.

Warning: According to comments, you may be charged a cash advance fee from your existing credit card provider if you pay for this using your credit card. Use a debit card just to be safe.

Financial Credit Card MasterCard

Related Stores

Coles Financial Services
Coles Financial Services

closed Comments

  • easternculture on 07/03/2016 - 20:50
    +1

    Cheers. Needed a few more

    edit: just got 2. might get one more

    • sween64 on 07/03/2016 - 21:28
      +3

      What do you use them for?

      • easternculture on 07/03/2016 - 21:29
        +24

        club catch trials lol

        • sween64 on 07/03/2016 - 22:01

          So you get the free MasterCard and put nothing on it?

          Edit: I guess not. Initial minimum load value is $10.

          You could put $10 on it, spend that $10 wherever you like then use it to sign up to trials.

        • fanny on 07/03/2016 - 22:09
          +1

          Why not ask bank for replacement cards of transaction accounts, there is no charge to change bank card!

        • easternculture on 07/03/2016 - 22:41
          +6

          @fanny:

          Why not have a few prepaid cards on standby?

          If you change your credit card number, then you have to update all direct debt payments with the new card which can be annoying when you have over 10 direct debits already.

          This is an easier way

        • mamsong on 08/03/2016 - 02:08
          +2

          @sween64: why not put $10 in the first card, and use that $10 to put in the second card and so on and on

          Each time you spend $10 on your card that will earn you 2000 point = $10

        • b-t on 08/03/2016 - 08:34
          +1

          @mamsong:

          Actually that's a cool idea. Can you do that? Has anyone tried?

        • mamsong on 08/03/2016 - 08:41
          +3

          @iPwnJ00:

          No, just try with the card obtain a while ago.

          At the confirm stage Coles finance said payment fail even though my balance is still $10.

          Somehow Coles financial control is smater than Woolies (sorry if offend anyone)

  • Flowerbomb on 07/03/2016 - 20:52
    +1

    Thanks! To those who have this, can this card be overdrawn with a $0 balance?

    Eg: if I sign up with presto, use this card to get a free month and forget to cancel the subscription, will there be an overdraw fee or affect my credit rating?

  • Neoika on 07/03/2016 - 21:06
    +1

    Question:Does Coles ATM charge this card any fee for balance enquiry?

    • jasperthegoat on 07/03/2016 - 21:29
      +1

      Should be free to withdraw from Coles ATM and do balance enquiries.

      • Neoika on 07/03/2016 - 21:33
        +1

        Thanks for pointing out.Actually,I had a similar comment in that deal and nobody answered so that I forgot about it.

      • illumination on 07/03/2016 - 21:43

        Withdraw? Surely you can't withdraw from this?

        • hal9000 on 07/03/2016 - 22:12

          yes you can

        • tunzafun001 on 10/03/2016 - 10:51

          @hal9000: No cash advance fee on cash withdrawl?

          If so, load up using a credit Card that earns points, withdraw cash, pay off credit card…repeat!

          Check the rewards earning credit card doesn't charge a cash advance fee first

        • [Deactivated] on 10/03/2016 - 12:30

          @tunzafun001:

          But is loading from my NAB Credit Card

          Is a payment from my NAB card to a Prepaid card classified by NAB as a cash advance?

          Normally If you pay another Credit Card say CBA with your NAB card it is a cash advance with no interest free by NAB (same with any card provider not putting NAB just example)

          If adding funds to Coles card is classified as a normal purchase , that would be great way to get points and leverage interest free deals and % cash back deals, while getting flybuys points

        • hal9000 on 10/03/2016 - 21:26

          @carlb: was the first loading/purchase? i don't think they will let you load from a credit card again.

        • [Deactivated] on 15/03/2016 - 19:42
          +1

          @tunzafun001:
          I've bought one and after the time wasters you 'cannot' use a credit card to reload the card

          You Must use a Bank Transfer or EFTPOS (Debit) card

          No Visa or Mastercard Credit type accounts

          Obviously the card will still have its place in my CC reoccurring bills like Subscriptions and Gym
          but not replace interest free card

        • tunzafun001 on 15/03/2016 - 20:56

          @carlb: Cheers.. So what's the max you can load on "initial purchase"?

        • [Deactivated] on 15/03/2016 - 22:15
          +1

          @tunzafun001:

          initially $10 I tried more but an
          "alert says $10 max you may add upto $1000 later"
          the latter is obviously by cash or debit only

          Yes you can take cash out at ATMs though

          https://store.colesprepaidcards.com.au/static/images/flybuys…

    • T-man on 07/03/2016 - 23:27
      +1

      You can withdraw at any Westpac ATMs, no fee

    • tunzafun001 on 07/03/2016 - 23:59

      So Coles Express balance check freebies are doable?

  • jv on 07/03/2016 - 21:17
    +6

    Credits to JV from previous post:

    I feel honoured…

    • avgbowlofpho on 07/03/2016 - 21:28
      +3

      Should be, with all the stupid stuff you comment about

      (no offence JV, your'e cool)

      • jv on 07/03/2016 - 21:32
        +12

        with all the stupid stuff you comment about

        I also post about deal that aren't stupid.

        I don't discriminate…

        • avgbowlofpho on 07/03/2016 - 21:33

          I also post "about deal" that aren't stupid

      • jv on 07/03/2016 - 21:33
        +22

        your'e cool

        you're cool…

        • avgbowlofpho on 07/03/2016 - 21:33
          -4

          you always pick up on grammar don't ya?

          (you're cool)

      • avgbowlofpho on 07/03/2016 - 21:34
        +2

        you're

        • altomic on 08/03/2016 - 00:05
          +3

          Yore

        • moooooooo on 08/03/2016 - 07:00
          +2

          @altomic: Yaw

        • nismo on 08/03/2016 - 07:23
          +3

          @moooooooo: missing an n

        • [Deactivated] on 08/03/2016 - 11:06
          +1

          Carter: It ain't 'you all', it's "y'all"!
          Lee: Yaw.
          Carter: Y'all!
          Lee: Yaw!
          Carter: Man you sound like a Karate movie, y'all!
          Lee: Yoll.

  • nephilim on 07/03/2016 - 21:23

    Is there a way of getting two cards like to one account like most travel cards?

  • No on 07/03/2016 - 21:27

    Thanks OP. Signed up so I can get the 2000 flybuys points. It might we worth adding to the description that you need to top up at least $10 on signup.

  • sween64 on 07/03/2016 - 21:29

    What are the advantages of this over a debit or credit card with a bank?

    • jasperthegoat on 07/03/2016 - 21:30
      +8

      Free trials which you may forget to cancel (e.g. COTD, Presto etc)

      • jv on 07/03/2016 - 21:35
        +8

        (e.g. COTD, Presto etc)

        …Spouse maintenance

        • [Deactivated] on 07/03/2016 - 21:38

          Child Support…

        • Flowerbomb on 07/03/2016 - 21:44
          +2

          @KaptnKaos: Nah, the child deserves to eat.

        • [Deactivated] on 07/03/2016 - 21:46
          +5

          @Cronut:

          Some spouses could be considered as children…

        • chyawala on 07/03/2016 - 22:28
          +1

          @KaptnKaos: are you saying children have spouses?

      • sween64 on 07/03/2016 - 22:08

        Initial minimum load value is $10. I don't think it's worth my hassle.

    • peterpeterpumpkin on 07/03/2016 - 21:48
      +4

      Or say…a train. Which I could also afford.

  • BargainOmaniac on 07/03/2016 - 21:47

    Arghh… Just ordered one for my wife on Sunday. Feeling disgusted..

    • jv on 07/03/2016 - 21:51

      Is her birthday coming up?

      • BargainOmaniac on 07/03/2016 - 21:59
        +1

        No.. Just don't want her to use my credit card for online shopping :)

  • curryblender on 07/03/2016 - 21:47
    +4

    Great deal
    I have about 10 relatives on mine bought these for their kids from last time I posted the bargain.

    We load $100 once a month.
    It has gone well

    I personally have no kids but a little brother of 12yrs, trialled it on him and it worked very well. He even saved half of the money for this month.

    Better then cash and he can also buy stuff from online rsther than asking me put my paypal password evertime

  • peterpeterpumpkin on 07/03/2016 - 21:49

    Main disadvantages?

    • hal9000 on 07/03/2016 - 22:18
      +1

      the card issuer has kinda bad rep

      • illumination on 07/03/2016 - 22:29
        -1

        GE Money? I thought they were well regarded.. especially here on Ozbargain

        • hal9000 on 07/03/2016 - 23:29
          +3

          not ge for this card. it's indue, as per this comment: https://www.ozbargain.com.au/node/231320?page=1#comment-3402…

          it is classified as fraudulent merchant by some banks.

        • [Deactivated] on 07/03/2016 - 23:32

          How is Indue Ltd related to GE Money?

        • T-man on 07/03/2016 - 23:32

          Indue, I had really bad experience with them. They deactivated my card and were very rude to me. Personally, I am not going to use this card ever again, so risky the card getting deactivated with funds on it.

        • [Deactivated] on 07/03/2016 - 23:33
          -1

          @divious:

          Did you go to the FSO?

        • T-man on 07/03/2016 - 23:34

          @KaptnKaos:

          They are not a member of FSO, you cannot do anything. Fortunately, I could manage to withdraw all the money and chopped the card up.

        • [Deactivated] on 07/03/2016 - 23:39

          @divious:

          That's a shame :( not making a good reputation of themselves…

          BTW, non-FOS members are likely a member of CIO. From what I understand, entities holding an AFSL must be registered with at least one dispute resolution scheme.

        • hal9000 on 07/03/2016 - 23:53

          @KaptnKaos: it's not.

        • TtiGeR on 08/03/2016 - 12:55
          +1

          @hal9000:

          I think it is, according to the PDS.

          If we’ve investigated your complaint and you’re not satisfied with the outcome, you have the right to contact the Credit and Investments Ombudsman at:
          PO Box A252
          Sydney South
          NSW 1235
          www.cio.org.au
          Telephone: 1800 138 422 or 02 9273 8400
          Fax: 02 9273 8440

        • hal9000 on 08/03/2016 - 15:56

          @TtiGeR: oh i was addressing this comment: https://www.ozbargain.com.au/comment/3518863/redir

  • fanny on 07/03/2016 - 21:49

    Can top up with cash at Coles supermarket?
    The FAQ say you cannot, is it true?

    • [Deactivated] on 07/03/2016 - 21:56
      +1

      True.

      • fanny on 07/03/2016 - 22:01

        Why this man say he can reload with cash?
        https://www.ozbargain.com.au/node/231320#comment-3402557

        • [Deactivated] on 07/03/2016 - 22:05
          +5

          From OP's link:

          Top up again and again

          Use your own money to top up your card again and again with no ongoing monthly or load fees. You can top up your card online or by direct transfer from your bank account. A $10 top up minimum applies.

          I know what I'd believe.

        • CVonC on 07/03/2016 - 22:30

          @KaptnKaos:

          so those are the only ways to top up?

          no Bank@AustPost convenience?

        • [Deactivated] on 07/03/2016 - 22:40
          +1

          @CVonC:

          Unfortunately there's no access via Auspost.

        • heal on 08/03/2016 - 20:40

          @KaptnKaos:

          From the t&c

          Purchasing a Top-up Voucher
          You may be able to load value onto your Card by purchasing a Top-up Voucher from one of selected Coles stores. Once you’ve purchased your Top-up Voucher, please login to the Prepaid Service Centre and follow the prompts to “Load” or “Top-Up” using a Top-Up Voucher. If successful, we’ll immediately add the value of the Top-Up Voucher to your Available Balance.

          I have never seen a top up voucher in Coles. Perhaps they have them at the service desk

        • hal9000 on 09/03/2016 - 20:09

          @heal: couldn't find the option to use the voucher in account panel.

  • netizen on 07/03/2016 - 21:50

    Is this better than Australia Post's Load and Go?

    • jv on 07/03/2016 - 21:53

      Load and Go

      Isn't that for pensioners?

    • fanny on 07/03/2016 - 21:55
      +8

      L&G is better, it is truly anonymous

      • CVonC on 07/03/2016 - 22:14

        but there's a $6.95 outlay?

      • paulaus on 08/03/2016 - 09:18

        But dont you need to put a name and address when you apply and prove your details like show a license and if you use a false one what happens if you lose the card.

  • fanny on 07/03/2016 - 21:54
    +3

    This card not good for anonymous, it is linked to your real credit card and home address!

    • Flowerbomb on 07/03/2016 - 22:27
      +4

      yeah i can't pay and send a glitter bomb to my enemies.

  • freewilly on 07/03/2016 - 21:55

    Anyone know if this would work for a new uber account?

    • sween64 on 07/03/2016 - 22:03
      +6

      All you need is a new phone number, previous credit cards can be used.

      • 0p on 07/03/2016 - 23:08
        +3

        You also need a different device.From my experience you may create a new account but uber blocks promotions on every third phone number per IP address.

        Edit:Two accounts per IP address then third account with blocked promotions
        So your essentially wasting a perfectly good phone number by even trying…

        Edit2:Disposable Australian number service hushed
        Hushed Review

        • sween64 on 08/03/2016 - 08:39

          IP address isn't dependent on the device. It is set by the ISP…

        • 0p on 08/03/2016 - 20:19

          @sween64:
          I'm pretty sure you almost never have a static IP address unless you choose to do so. Yes your ISP provides an IP address but they have to purchase it from the Internet Assigned Numbers Authority?
          You may also use a Virtual Private Network to change your IP address.
          Plus your IP address Isn't determined by ISP from my short reading…

          Your router will be given it's own IP address (for example 192.168.0.1) the other computer(s) will connect to, this is known as the default gateway. It will also have a subnet class (normally 255.255.255.0).
          Each computer has it's own unique IP either generated off that (for example 192.168.0.102, 192.168.0.103, etc) or are manually added. If these aren't different you will have issues when both computers connect at the same time. The same subnet class is needed to join the network.

          Interesting read…

        • sween64 on 08/03/2016 - 22:21

          @0p:

          That's the IP address as seen from the local network.

          The IP WAN address is set by the ISP. My cable home internet external IP has not changed for 3 years.

          My external IP on my phone when connected to via mobile data will change dependent on which SIM is inside (ie Optus or Telstra etc).

          The Router connects to the internet and gets it's own unique IP address for online access. Internet sites such as whatismyipaddress.com can automatically detect my IP address when accessed through the Web browser.

          That's the external IP aka Public IP.

        • 0p on 08/03/2016 - 22:25

          @sween64:
          Alright man you win!
          Take all my envelopes

        • sween64 on 09/03/2016 - 00:10

          @0p:

          Disregarding IP nomenclature. What's the best way to create new uber accounts to continuously use new customer promo codes?

        • [Deactivated] on 15/03/2016 - 22:21

          @sween64:
          In your phone go into the Settings of Android or iPhone
          and under storage delete all the settings for uBer app
          Then when you open uber again, you will be asked to set it up with your new details

        • sween64 on 16/03/2016 - 09:54

          @carlb: What details do you have to change? Phone number? Email? Credit card?

        • [Deactivated] on 16/03/2016 - 10:23
          +1

          @sween64:
          You cant register with the same email twice.

          It didn't complain when i cleared my phones Uber and created uber in my wifes email and continued to use my credit card and mobile number.

        • sween64 on 16/03/2016 - 10:55

          @carlb: Did you successfully use a new customer promo code?

        • [Deactivated] on 16/03/2016 - 13:52

          @sween64:
          at the time in January it was
          refer a friend both get $10 ride credit

          so we both got that twice
          but haven't bothered to do anymore since the ride isn't very expensive to bother

        • sween64 on 16/03/2016 - 15:04

          @carlb: I prefer that $20 or $30 off codes. Makes my $45 trip home from the city very reasonable. Thanks for the tips.

    • jdogg on 08/03/2016 - 00:44

      It doesn't.

  • sarah965 on 07/03/2016 - 22:19
    +1

    can you purchase 2 card linked to one flybuys account ? to get double the reward?

    • [Deactivated] on 08/03/2016 - 03:19
      +1

      Yes.

      • ghostloverxj on 08/03/2016 - 13:12

        how many cards can I purchase? I can get 2000 points for each card?

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