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Coles Mastercard: $100 off a Single Coles Supermarket Shop, No Annual Fee

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Coles Mastercard: $100 off a Single Coles Supermarket Shop, No Annual Fee
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freemoneyhunter on 08/10/2017 - 17:46 financialservices.coles.com.au (2514 clicks)
Last edited 08/10/2017 - 19:53 by 1 other user

I was visiting my grandmother at the nursing home on Saturday and I saw this deal on the TV.

$100 off a single Coles Supermarket shop. Coles Mastercard

No annual fee ever.
Enjoy the benefits of a Coles Credit Card without paying an annual fee.
Annual fee

Purchase interest rate:

flybuys points:

$0

19.99% p.a.

1 point for every $2 everywhere, everyday#

$100 off a single Coles Supermarket shop
If you apply and are approved by 31 December 2017, and make a purchase in the first 30 days.*

Included NO annual fee. Ever.
Included Collect 1 point for every $2 you spend. Everywhere, every day. 1
Included $10 off your Coles supermarket shop instantly at the checkout every time you redeem 2,000 flybuys points.2
Included Free delivery at Coles online using your Coles Credit Card.3
Included Free Coles Mobile Wallet, lets you pay and collect flybuys points with your phone, while keeping track of your purchases for your convenience and control.
Included Coles Mastercard and flybuys card in one so you only have to carry one card instead of two.
Included Up to 62 days interest free on purchases when you pay your full balance off each month.4
Included 19.99% on purchases and cash advances.
Included Superior Security and fraud protection – the Falcon™ fraud management system and our zero liability guarantee give you peace of mind.
Included Convenience of Mastercard PayPass - for amounts under $100, simply Tap & Go with your Coles Mastercard, or enter a PIN for amounts over $100.
Included Access your account easily online.
Included Additional cards available with one convenient statement.
Included Platinum No Annual Fee Mastercard with even more benefits if you’re approved for a certain credit limit.
Included Protected by the Coles Shield Coles Shield - protection against fraud
The features listed on this page apply to new applicants only. Please see our existing customers page if you already have a Coles Mastercard.

Terms & conditions
* New customers who apply and are approved for a Coles Credit Card between Sunday 1st October and Sunday 31st December 2017 and make a purchase (excludes cash advances and cash equivalents) within the first 30 days of the card approval date will receive $100 off a single Coles Supermarket shop. $100 off will be activated on your flybuys account and available for use within 2 weeks of your first eligible purchase. $100 off will only be activated on the flybuys card quoted in the application process. To redeem the $100 off you must scan your flybuys barcode on the back of your new Coles Mastercard and spend a minimum spend of $100.05 after savings and discounts in one transaction at Coles Supermarkets or BI-LO (excluding smoking/tobacco product purchases and all gift cards). $100 off can only be used once and expires on 31st March 2018. Excludes Coles Express and Coles online.

1 flybuys points awarded for using a Coles Mastercard linked to your flybuys membership are in addition to flybuys points awarded by flybuys partners. Eligible transactions are explained in the Coles Mastercard Loyalty Terms and Conditions. Eligible transactions exclude cash advances, BPAY payments, credit fees or charges, credits, refunds, reimbursements, business purchases or balance transfers into your account. Standard flybuys Terms and Conditions apply, see flybuys.com.au. Note that partners’ earn rates vary. To upgrade to a Coles Mastercard to collect flybuys points everywhere call 1300 306 397.

2 2,000 flybuys points are required to redeem $10 off at the checkout each time. Excludes Coles Express and Coles Online. Minimum spend is $10.05 after savings and discounts in one transaction at Coles Supermarkets and BI-LO (excluding smoking/tobacco related product purchases and all gift cards).

3 Receive free delivery each time you spend $100 or more, after savings and discounts, with a Coles Credit Card at shop.coles.com.au. Offer can be withdrawn at any time. Offer excludes tobacco and tobacco related product purchases and remote delivery orders. To see if we deliver to your area, visit shop.coles.com.au and enter your postcode. Normal delivery terms and conditions apply.

4 To receive interest free days on your everyday Mastercard purchases, you must pay your balance in full every month.

5 See the Insurance Benefits section in the Conditions of Use for details. Merchandise Protection cover is provided by Hallmark General Insurance Company Limited (ABN 82 008 477 647 AFSL 243478).

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Credit facility provided by Wesfarmers Finance Pty Ltd ABN 58 601 282 455, Australian Credit Licence number 470916.

Money magazine awards: Credit Card Issuer of the Year 2016 and 2017. Coles No Annual Fee Mastercard won Best Non-Bank Transactor Credit Card, 2017.

Canstar award: Coles No Annual Fee Mastercard received 5 Stars for Outstanding Value in the General Rewards $12,000 annual spend category, in 2017.

Financial Credit Card

Related Stores

Coles Financial Services
Coles Financial Services

closed Comments

  • argonbay on 08/10/2017 - 17:51
    +93

    +1 for visiting your grandma

    • pifts on 08/10/2017 - 22:03
      +20

      "freemoneyhunter, why aren't you talking to me? Is something wrong?"

      "Hold up g'ma, just need to submit this sick deal onto ozbargain"

      • freemoneyhunter on 09/10/2017 - 19:14
        +2

        Actually I signed her up to the deal while I was there, $100 bonus for….her. :)

  • teacherer on 08/10/2017 - 18:00

    Which nursing home?

    • freemoneyhunter on 08/10/2017 - 18:03
      +1

      The one next to Panthers at Penrith

  • fruit on 08/10/2017 - 18:30

    Is this for new customers only?

    • freemoneyhunter on 08/10/2017 - 18:38
      +4

      What do you mean, it says the offer period is between 1st Oct and 31st Dec.

    • montorola on 08/10/2017 - 21:10
      +4

      Yeah thanks for letting us know!!!

  • Wilburre on 08/10/2017 - 18:49
    +1

    I don't have a landline number at home or at work, how do I appyly for this?

  • soangry on 08/10/2017 - 18:51
    +1

    It's new. Last month new applicants only get 20000 flybuys points for the black card with $99 annual fee. Targeted offer was 30000 flybuys points for the same black card.

  • JetBombat on 08/10/2017 - 19:17

    $50 to grandma's day out fund on the next visit

    • freemoneyhunter on 08/10/2017 - 19:43
      +1

      She is pretty much chair ridden, has been in palliative care for last 6 months. We used to take her out to the coffee club near there when we visited.

  • Dano33 on 08/10/2017 - 19:23
    +7

    Ironically my grandma often includes unnecessary details in her stories as well ;)

    • kahn on 08/10/2017 - 19:47
      +29

      One trick is to tell 'em stories that don't go anywhere - like the time I caught the ferry over to Shelbyville. I needed a new heel for my shoe, so, I decided to go to Morganville, which is what they called Shelbyville in those days. So I tied an onion to my belt, which was the style at the time. Now, to take the ferry cost a nickel, and in those days, nickels had pictures of bumblebees on 'em. "Give me five bees for a quarter," you'd say.

      Now where were we? Oh yeah: the important thing was I had an onion on my belt, which was the style at the time…

      • freemoneyhunter on 08/10/2017 - 20:09

        That's mean, it's the old folks job to do that :)

  • wei13 on 08/10/2017 - 19:31
    +3

    1 point for every $2 spend is about 0.25% return. If you usually spend more than $13200 a year on your credit card you'll actually be better off getting the Coles Rewards Mastercard with the $99 annual fee.

    • serpserpserp on 08/10/2017 - 20:02
      +2

      Yeah but this card is free so you'd just use it for the freebie stuff and cancel (if you don't use Coles Online for the free delivery).

    • OldBugger on 08/10/2017 - 20:19
      +10

      Apply for the free card, once it is approved, ask to be upgraded to the rewards card free for the first year.

      When the year is up, downgrade to the fee free card again. Then when the deal is available again, ask to be upgraded again and waive the first year.

      It is what I did.

      Ensure you are getting Merchandise Protection. It is the best part of the card and easily beats all other cards in this regard.

      • stirlo on 08/10/2017 - 21:16
        +1

        I second this. 100% get the “account cover plus” 2 years price protection means I just got a $220 refund on the iPhone 7+ I bought last year on launch day. Every year Apple drops the price of last years model so it’s free money :)

        • OldBugger on 08/10/2017 - 21:30

          Nice work. I guess that's the upside of an iphone, they still sell them two years on. 😉 The usual electronics I buy are not stocked after a year but I've still made some worthy claims with price protection.

          The best I've done with the Coles card is when I claimed for a cracked screen on a $350 Samsung Tab. Repair quote was over $500. Coles insurer reimbursed me $350 with no fuss. I never did get the repair done. The Tab still works fine to this day.

        • ozzyoi on 24/10/2017 - 16:10

          how did you get $220 off?

        • stirlo on 24/10/2017 - 16:58
          +1

          @ozzyoi: I paid full price at Apple store on launch day. 1 year later Apple dropped the price (like they do every year) and I claimed the $220 difference

      • Wilburre on 08/10/2017 - 22:42

        does this card have that?

        • OldBugger on 08/10/2017 - 22:44

          Yep, just ask for it. It doesn't cost anything if you pay off your credit card by statement date.

          https://financialservices.coles.com.au/credit-cards/about-ou…

        • Wilburre on 08/10/2017 - 22:48

          @OldBugger: 1% of closing balance capped at 50, so pay your balance in full and get free insurance?

        • OldBugger on 08/10/2017 - 22:52

          @Wilburre: correct. Just ensure you know when the statement date is. I've been caught quite a few times especially when a debit was made a day before.

        • ShortyX on 08/10/2017 - 23:20

          @OldBugger: I always thought that you still paid the 1% (up to $50) because the balance still ‘closes’ at the end of the billing period, even if that balance is paid in full. Are you saying if the balance is paid in full every month, the insurance is free? Are you sure it’s not hidden in the transactions listing somewhere as a debit?

        • OldBugger on 08/10/2017 - 23:30

          @Stix: yes, no premium is payable if paid in full. See page 7: https://financialservices.coles.com.au/~/media/financial-ser…

        • ShortyX on 08/10/2017 - 23:42
          +1

          @OldBugger: Ah gotcha - so the balance has to be zero WHEN the statement is produced, not before a payment is due.

        • OldBugger on 08/10/2017 - 23:57
          +1

          @Stix: That's it

        • Filbert on 09/10/2017 - 21:15

          @OldBugger:
          Ok but that also means that you lose the 1 month interest free period between when the statement is issued and when it is due.
          But that is only a small saving of say $6.40 on a monthly spend of $3k compared to $30 by paying off early.
          I recently got the black card after giving westpac altitude the flick after 20+ years.
          Thanks for pointing this out.

        • lordra on 10/10/2017 - 08:43

          @Filbert: I didn't get this. So for example, I spend $1k on the card on 1/10. The statement/cycle is meant to close on the 28/10. By the 27/10, I need to clear the $1k in full? Rather than, wait for it to be generated, & use the full 62 days to not make any payments? How much is the premium?

        • lordra on 10/10/2017 - 10:55

          @John Kimble: Thank you, I did read that. So if the statement gets generated for $1k, then I pay $10 (1%) of the statement as the premium. Hmmm. So I don't get the 62 day interest-free, rather a 28 day? That's a bit of a hassle, how do you manage it @oldbugger?

        • John Kimble on 10/10/2017 - 11:50

          @lordra: what do you mean? He just pays it early.

        • lordra on 12/10/2017 - 12:54

          @John Kimble: Gotcha, he has to pay it BEFORE the statement cycle ends & his statement is generated so no 62 days free interest.

      • lufee on 08/10/2017 - 23:52

        Do you think they will still upgrade me free for a year if you had this card for more than a year?

        • OldBugger on 09/10/2017 - 00:04

          I was on the fee free for quite a while, possibly a year. I was on the rewards before that. Then a similar deal was advertised and I asked to be placed on it. They didn't give me the $100 voucher but they did upgrade me and waived the first year.

        • lufee on 09/10/2017 - 02:15

          @OldBugger: cool will try that, also does your account no stays the same? For price protection

        • OldBugger on 09/10/2017 - 09:55

          @lufee: yes all the same. You can even use the same card although they send you out a new one, you don't have to use it.

      • iamtapu on 09/10/2017 - 06:26

        Good idea.
        But is it in the T&C that an upgrade to the 99$ annual fee card will be provided with the firts year fee waived?
        Or is it something you managed to get by talking to coles.

        And also, is bpay and direct debit is the only way to pay the card? Can it be paid at coles Counter?

      • iSamurai on 09/10/2017 - 08:18

        I tried that. They said they’ll charge the annual fee upon first purchase after upgrade. It used to work before.

        • OldBugger on 09/10/2017 - 10:13

          Bugger. The last time I tried it was only earlier this year.

        • drose1 on 01/11/2017 - 15:49

          how hard did you try?

        • iSamurai on 01/11/2017 - 16:49

          @drose01: A few days prior to the fee was due, I rang up and said I don't want to pay the annual fee. They offered the no annual fee card which I said no, could you please waive the fee instead? They didn't budge so I said I'm considering cancelling. Still didn't budge, and I was like okay, get me onto the no annual fee card for now… :/

          So I got onto the no annual fee card, then rang them back and said, I'd like to upgrade to the rewards card. they were like sure, but the fee will be charged at the first purchase and subsequent anniversaries. And I was like eh… nevermind.

      • h4zey on 09/10/2017 - 12:43

        why did they waive the first year fee? did you do this over the phone?

    • MITM on 08/10/2017 - 21:37

      $13,200pa = >$250pw. That’s not me.

      • ShortyX on 08/10/2017 - 23:22
        +1

        Pay everything on credit card (where available without surcharges) and pay it off in full each month?

    • bender000 on 09/10/2017 - 08:42
      +1

      Exactly. @ 2 flybuys points per $1 works out to be something like 1% cashback if you put all your expenses through it. Works for us
      Well its not cash, but flybuys = coles/kmart dollars, which is basically cash if you have a family lol

  • DU99 on 08/10/2017 - 20:14
    -3

    is that the ad with 4 stupid guys in it..did the same earlier in the year..it's nothing new..do a search

  • BargainKen on 08/10/2017 - 21:16

    Well that's next week's groceries sorted.

  • 18 on 08/10/2017 - 21:24
    +3

    Might be off-topic, but I signed up for this exact promotion in about June this year. However, after I followed all the prerequisites of having to make a purchase and such, I have not yet received my $100 giftcard yet. I called them about it two months ago and told them about my issue, and apparently they 'escalated' it, but I have not heard anything since. What actions can I take? The only reason I signed up was because of this promotion.

    Cheers!

    • soangry on 08/10/2017 - 21:31
      +1

      Same thing happened to me few years ago, for $50. Few phone calls but nothing happened.

    • John Kimble on 08/10/2017 - 22:11

      What gift card?

      • 18 on 08/10/2017 - 22:36

        I meant the "$100 of a single coles supermarket shop".

    • OldBugger on 08/10/2017 - 22:34
      +1

      Don't rely on their 'escalations'. I've had limited luck with these with Coles. Try the Financial Services Ombudsman. Whether you use this as leverage or actually file a dispute is up to you.

      • 18 on 08/10/2017 - 22:37

        Thanks for the advice. I will give them a call on Monday.

    • KMeister on 08/10/2017 - 22:43

      read this,

      New customers who apply and are approved for a Coles Credit Card between Sunday 1st October and Sunday 31st December 2017 and make a purchase (excludes cash advances and cash equivalents) within the first 30 days of the card approval date will receive $100 off a single Coles Supermarket shop. $100 off will be activated on your flybuys account and available for use within 2 weeks of your first eligible purchase. $100 off will only be activated on the flybuys card quoted in the application process. To redeem the $100 off you must scan your flybuys barcode on the back of your new Coles Mastercard and spend a minimum spend of $100.05 after savings and discounts in one transaction at Coles Supermarkets or BI-LO (excluding smoking/tobacco product purchases and all gift cards). $100 off can only be used once and expires on 31st March 2018. Excludes Coles Express and Coles online.

    • Dont Care on 08/10/2017 - 22:45
      -4

      That's off topic. Go to A current affair.

    • lordra on 10/10/2017 - 08:51

      According to KMeister, you've probably already 'spent' this the first time you shopped at coles.

  • Dont Care on 08/10/2017 - 22:41
    -4

    Not a great deal. Why would anyone want to do their groceries at coles. Much better value at Aldi.

  • FeZZa21 on 08/10/2017 - 23:09
    +1

    +1'ed for visiting grandma

  • Lucky13 on 09/10/2017 - 05:36

    Pretty high interest rate. 62 days interest free as long as you pay it off every month.

    The Story of John Smith by Lucky13.

    John can attribute the beginning of his financial problems to the day he got that credit card…

    • wfdTamar on 09/10/2017 - 07:04
      +1

      Outrageously high interest rate considering the record low rates over the last few years. Just never use a credit card for credit.

  • Windows7forever on 09/10/2017 - 06:12

    Silly question - but do you get free travel insurance with this card?
    If not, what would be the cheapest CC with free travel insurance?
    I have not been O/S for 5 years and desperately want to plan a cheap holiday, hopefully with free insurance.
    I won't be doing anything radical or dangerous so just need basic cover.
    Cheers.

    • Heybargain on 09/10/2017 - 08:36
      +1

      No it does not

      Try Amex platinum edge which does but annual fee

  • wfdTamar on 09/10/2017 - 07:01

    Agreed the optional price protection is definitely worth it. Could only be bettered if it allowed protection from anyone’s price, not just the place you purchased from. Anyone know of any cards that do that?

    You also get a higher flybuys point rate with their better cards which can cover the annual fee.

    I do find their service is terrible. I had to replace my card due to fraudulent transactions and it took 4 promises and 3.5 months for them to get the new card to me after they had cancelled the existing card.

  • thriver on 09/10/2017 - 08:00
    +9

    Love this card for the 'account cover plus - Price protection'.
    Last month I claimed $450 as Price protection refund for iPhone 6S that I bought two years ago using this card.

    And yes I always pay the balance before the statement gets generated to avoid 1% premium for the account cover plus insurance. So basically it's a free insurance.

    • niknah on 09/10/2017 - 13:17

      This maybe better than the $100 deal. Computer parts almost always drop in price within two years.

      • thriver on 10/10/2017 - 09:30

        Yeah $100 is sweet little add on bonus :)

  • KaraZorEl on 09/10/2017 - 10:09

    "Included Free delivery at Coles online using your Coles Credit Card" - This wins me over! Unless there is a minimum order value..

    • KaraZorEl on 09/10/2017 - 10:13
      +1

      "Receive free delivery each time you spend $100 or more" - So I'm gonna give this a pass.

    • John Kimble on 09/10/2017 - 10:14

      $100

  • kongkee on 09/10/2017 - 10:19
    -1

    What's the cancellation process on this one?

    • John Kimble on 09/10/2017 - 10:25

      Involves beer pong. WTF?

    • kickling on 09/10/2017 - 11:25
      +1

      Ring the ph number on the back of the card, or the phone number from Coles financial online

      • kongkee on 09/10/2017 - 13:17

        Thanks. No cancellation fees?

        • kickling on 09/10/2017 - 17:56

          Nope, none

        • tempura on 10/10/2017 - 08:32

          @kickling:
          Nice, so no catch; why wouldn't everyone jump to this bandwagon? pretty much $100 free hit on Coles grocery

        • kickling on 10/10/2017 - 10:28

          @tempura: I dunno. Great deal to me because I do shop at Coles. Basically free $100 cash in my books.

  • kickling on 09/10/2017 - 11:24

    Just wondering, I actually had this card last year and only cancelled it a few weeks ago. I'm assuming I am not a new customer as of now, i.e. You can only ever be a new customer once?

    • John Kimble on 09/10/2017 - 11:33

      Check the T+Cs?

      Eg the CBA $250 cash back was for new cardholders, they defined as not having one in the last 12 months.

      Offer excludes all existing cards, switches from other card types and is not available to customers who currently hold, or have held, any of the above card types in the 12 months prior to 1 May 2017.

      https://www.commbank.com.au/personal/credit-cards/250-cash-b…

      • kickling on 09/10/2017 - 18:01

        Yeah, I can't find it or must be blind… might enquire directly

    • kickling on 09/10/2017 - 18:13
      +1

      Answering my own question for the benefit of everyone… the hotline customer service say that yes, as long as you don't hold a Coles card then you are a new customer. No matter if you had one and already cancelled. And yes, you'll be eligible for any current promotion.

      • baron33 on 14/11/2017 - 11:16

        So It means I can cancel my card today and then apply for a new one tomorrow to get the offer?

        • kickling on 14/11/2017 - 15:33

          That's the feedback i got from them, and yes I double checked to make sure they didn't mean anything else.

          I'll be applying for one soon.

  • Gadaph on 09/10/2017 - 13:41
    +1

    Just been approved.

    A nice saving on delivery too.

    Thanks, OP!

  • tempura on 09/10/2017 - 14:53
    +1

    Heya Folks, this deal is very interesting but what's the catch? Is there any cancellation fee in cancelling the credit card after purchase (and of course after paying it off) ?

    • Heybargain on 11/10/2017 - 08:52

      No cancellation fee

    • John Kimble on 11/10/2017 - 09:18

      Never heard of a credit card that has a cancellation fee. Can you name some?

  • tempura on 09/10/2017 - 14:58

    And I assume by New Customer, everything must be New as in you must not own FlyBuys in the past?

  • wildstone on 09/10/2017 - 19:17

    Is there balance or purchase offer for this card? I seem to remember that it did last time.

  • lordra on 10/10/2017 - 13:52
    -2

    Any Promotion codes for this?

  • DEvok on 11/10/2017 - 20:07

    So it is 62 days interest free does this mean that I don't have to repay anything for 62 days Interest free?

    • Filbert on 11/10/2017 - 21:28

      The ‘up to’ 62 days interest free is really only for something purchased on the first day of the statement cycle.
      i.e. Purchase on 1/9 cycle finishes on 30/9, statement for this period due to be paid on 31/10.
      So a better description is from 28 to 62 days interest free. But the marketing dept probably canned that and went for up to 62 days interest free.

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