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10% off Coles $100 & $250 Mastercard Gift Cards (Including Additional Applicable $5 or $7 Purchase Fee) @ Coles

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10% off Coles $100 & $250 Mastercard Gift Cards (Including Additional Applicable $5 or $7 Purchase Fee) @ Coles
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ironworthy on 17/10/2021 - 23:37 en-au-media.shopfully.cloud (4560 clicks)
Last edited 20/10/2021 - 15:27 by 2 other users

Deal is on again beginning week of 20 Oct and looks like only $100 and $250 eligible. $5 and $7 fee applies per respective amount and limit of 5 per customer

Coles Mastercard Gift cards cannot be used to purchase any other gift card sold at Coles.

Warning! Coles Prepaid MasterCard Compromised (Multiple) CHECK Your Cards NOW!

How to check if your card has been swapped out - The card ID MUST match the last 11 digits of the barcode.

Mod: Third-Party Gift Card Deals at Retailers - FAQ - Thanks to WookieMonster.

Other Gift Card Instagrampost MasterCard Prepaid Credit/Debit Card

Related Stores

Coles
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Coles Prepaid Cards
Coles Prepaid Cards

closed Comments

      • MrBr0 on 18/10/2021 - 07:12

        When did this card stop working for ATO?

        • xzp on 18/10/2021 - 08:31
          +5

          I just paid ato by this card. Everything was fine. Only 0.2 service fee for each payment.

    • DrRalph on 18/10/2021 - 11:08
      +1

      Yes.

    • puffinfresh on 21/10/2021 - 10:37

      Yes, they can be used to pay the ATO.

      • bongo007 on 21/10/2021 - 15:06

        Just tried and got this:
        Transaction declined
        Contact your card issuer. We were unable to process your payment.

        • puffinfresh on 21/10/2021 - 15:24

          On your first attempt? I only got that after 4 transactions - it seems they put a limit on them.
          Are you taking the processing fee into account? For example, you can pay $249.50 max from a $250 card because there is a 0.2% fee.

          • bongo007 on 21/10/2021 - 15:28

            @puffinfresh: Yes first attempt and yes only paying $249.50 :(

            Might have to try again later…

  • yuisakas on 18/10/2021 - 00:16

    Can I use this card at post office?My bill havent fully paid yet by the zip deal

    • Clarky77 on 18/10/2021 - 00:43

      Yes I'd like to know this as well! If you can pay bills with them I'm gonna be all over it.

      • samehada on 18/10/2021 - 00:49

        why not?
        www.postbillpay.com.au

        • Clarky77 on 18/10/2021 - 00:54
          +1

          All sorts of places don't accept prepaid cards for some reason or rather so it's definitely not a guarantee that's why I asked.I can pay my rent through Australia Post also but they usually only accept debit cards not credit cards for some reason, if I can pay my rent using these I'll be wrapped because I haven't found any hacks to discount that as yet lol
          OzBargainers should never pay full price even for rent.

          • samehada on 18/10/2021 - 01:12

            @Clarky77: it is not about the rent it is the fee and why should your landlord need to absorb the credit card fee for you to pay your rent.

            • justtoreply on 18/10/2021 - 08:22

              @samehada: Because the fee is fk all (say $10 per $500?) and they won't hesitate to raise the rent on you by much more than $10 every 6 months. Then when average rent costs drop they certainly won't offer you a decreased rent. It's a bit of fair-is-fair as I see it.

            • serpserpserp on 18/10/2021 - 11:10

              @samehada: Are you a little landlord?

    • DavyD on 20/10/2021 - 09:26

      No, I tried after purchase it straight away.

  • 1000060 on 18/10/2021 - 00:18
    +8

    Nice time coles. When will you process the refund?

  • sunnyc on 18/10/2021 - 00:21
    +2

    I have 9 $250 cards and none were compromised.

    • King Tightarse on 18/10/2021 - 00:22
      +13

      …yet

      • bob19 on 18/10/2021 - 04:22
        -4

        Just use it straightaway to buy another gift card if you are worried. For instance, Wollies ;)

    • thekensai on 18/10/2021 - 07:49
      +1

      do u need some help to make it happen?
      5314951040000001
      5314951040000002
      5314951040000003
      …
      let's see who hit the jackpot first

      • affinity on 18/10/2021 - 09:51
        +2

        Can't be for the $250, they start with
        5314 9510 5

        The $100s start with
        5314 9510 4

        6 digits and then the 1 check digit.

        It is a worry that would be easily solved if they enforced ALL retailers of any kind to require the CVV when the transaction is not done with the physical card in hand.

  • J2945702 on 18/10/2021 - 00:26
    +8

    Not a chance Coles, fix your problem first please!

  • Robin2012 on 18/10/2021 - 00:27

    great

  • TanedaR on 18/10/2021 - 00:29

    https://www.ozbargain.com.au/node/654897
    Has anyone received their refund from Coles?

    • samehada on 18/10/2021 - 00:45
      +7

      maybe why we have new sales, they need new fund to refund you 😂

      • asc on 18/10/2021 - 07:11

        Pyramid scheme

      • justtoreply on 18/10/2021 - 08:26
        +1

        This is legit something that happens (with smaller companies that need cash flow and are about to go bankrupt)

        • samehada on 18/10/2021 - 08:35
          +1

          airlines are the example, they didn't refund my cancelled ticket during COVID-19 for 9 months.

  • King Tightarse on 18/10/2021 - 00:35
    +5

    We should pass this on to channel 9 ACA.
    So dodgy of Coles to promote these when they know they are hacked

  • WookieMonster on 18/10/2021 - 00:36
    +27

    I generally don’t like downvoting comments or deals on OzBargain, but I feel obliged to downvote this deal due to two known issues with this product (which is in line with the voting guidelines).

    1. Tampering

    • A fraudster will take an unactivated card from the shelf, carefully open the cardboard packaging to replace the unactivated card with a used card, seal the cardboard packaging and put it back on the gift card shelf.
    • The packaging can sometimes be opened without making any noticeable cuts, tears or bends on the packaging itself. From my experience, certain expiry dates are more susceptible than others.
    • The last 11 digits of the barcode on back of the packaging must match the Card ID printed on the back of the Coles Gift Mastercard. If they do not match, please immediately alert the Customer Support Centre on 1300 095 072.

    2. Recent BIN Attacks

    • A fraudster will use software to automatically generate Coles Gift Mastercard card numbers and test these combinations to see which card numbers are valid and if the cards are active.
    • Although any card that can be used for online purchases is susceptible to BIN attacks, Coles Gift Mastercards are particularly susceptible (as I have discussed here), due to a limited number of expiry dates in use, a comparatively small number (3,000,000) of known card number combinations, as well as some merchants not requiring the CVV for purchases.
    • It is not easy to defend yourself against this kind of attack, as Coles Gift Mastercards purchased at Coles are activated immediately after purchase, plus you can only block or unblock a Coles Gift Mastercard by calling their phone number during operating hours. I spoke to Coles Gift Mastercard a few days ago, and they stated that this feature is not available on the public-facing website, as that is actually only available on a separate internal system. Although the rep stated that it could be coming to the public-facing website sometime in the future, I am not going to hold my breath.

    If you are going to purchase these prepaid gift cards, please retain copies of your proof of purchase (i.e. the receipt printed at the checkout). A copy of the proof of purchase is required if you fall victim to either of these issues and ask the Coles Gift Mastercard team for assistance.

    • samehada on 18/10/2021 - 00:48
      +3

      why Google didn't fix their damn problem, how did they allow transaction without 3D-secure i.e CVV code.

      Mastercard/Visa should get their shit system right, all online payment system MUST have 3D-Secure enabled, same as enforcing PIN instead of the stupid signature.

      • WookieMonster on 18/10/2021 - 01:03
        +5

        I’m admittedly probably throwing too much crap at Coles Gift Mastercards. You’re right in saying that it’s really a perfect storm of factors:

        • Coles Gift Mastercards being automatically activated after purchase.
        • Coles Gift Mastercards making it difficult to block or unblock a Coles Gift Mastercard.
        • Coles Gift Mastercards having a small number of expiry dates.
        • Coles Gift Mastercards having a relatively small number of known card combinations.
        • Some merchants not asking for CVVs.
        • Some merchants not properly protecting themselves against BIN attacks, making it easy for fraudsters to test which Coles Gift Mastercards have funds.

        why Google didn't fix their damn problem, how did they allow transaction without 3D-secure i.e CVV code.

        Funny you mention that. Within the last few days, a payment processor has actually stopped accepting all cards without 3D Secure (which includes the Coles Gift Mastercard and other prepaid gift cards). However, Google isn’t on that list…

        • samehada on 18/10/2021 - 01:09

          Coles MC giftcard do have CVV. It has nothing to do with 3DSecure, some payment gateway just don't want to accept prepaid card.

          The hacking problem is with Mastercard/Visa, online payment is always classed as high risk same as MOTO which is "card not presents" transactions. They should enforced 3DSecure for these transactions.

          Which prepaid cards have lock/unlock feature, even your bank debit cards doesn't have it with many big banks.

          • WookieMonster on 18/10/2021 - 01:15
            +1

            @samehada:

            Coles MC giftcard do have CVV. It has nothing to do with 3DSecure, some payment gateway just don't want to accept prepaid card.

            I never said “Coles Gift Mastercards don’t have CVVs”, because they obviously do. I’m saying that some merchants don’t ask for the Coles Gift Mastercard’s CVV when processing an online or over-the-phone payment, which I think is dodgy.

            Which prepaid cards have lock/unlock feature, even your bank debit cards doesn't have it with many big banks.

            I believe the Australia Post Gift Card implemented a lock/unlock feature on their web portal after they were continually embarrassed by A Current Affair.

            • samehada on 18/10/2021 - 01:21
              +1

              @WookieMonster: that crap AusPost GC system block WW payment. All you need to do is placing an order for WW discount gc and their stupid system just block the card.

              They classified this as high risk and do not allow and there is no way to bypass it. Their system is one of the worst one.

              Only1Visa is another crap one, it doesn't have PIN and you can't pay at many self checkout terminal because they don't have the signature option anymore.

              For packaging, Vanilla GC hs the most secure packaging. I don't understand why Coles don't learn from this.

            • magster on 18/10/2021 - 01:21
              -1

              @WookieMonster: Where do I lock/unlock Auspost gift cards? I only see transaction history when I log in.

              • asc on 18/10/2021 - 08:55

                @magster: I can't see block feature either.

            • asc on 18/10/2021 - 07:16

              @WookieMonster: I confirm it has not although their staff n a few forumers claim consumers can block the card through web portal. I can't see the settings to do that. Anyone?

        • ATangk on 18/10/2021 - 10:59

          Is this why I cant use the gift cards to buy woolworths gift cards online anymore?

          • WookieMonster on 18/10/2021 - 11:08

            @ATangk: That would be the most likely explanation.

            I know that the Woolworths Group gift card portal did 3D Secure checks for when I have used a Mastercard or Amex that support 3D Secure in the past, so Woolworths Group have probably started requiring it recently to reduce their exposure to fraudulent transactions.

          • samehada on 18/10/2021 - 11:41

            @ATangk: it is Auspost system that block WW giftcard purchase and since WW use the same system for online order I think it is also blocked.

            Unless they changed it, Auspos system not only decline the transaction they also block the card if you made discount Wish gc purchase. You can use this trick to put a block on Auspost Prepaid Mastercard GC. You will have to call them to unblock.

            • ATangk on 18/10/2021 - 11:51

              @samehada: Is your comment only referring to Auspost gift cards? I'm talking about using a Coles Prepaid MC.

              • samehada on 18/10/2021 - 12:05

                @ATangk: The last time I tried it worked, not sure if they changed it.

              • 1000060 on 18/10/2021 - 12:06

                @ATangk: Coles cards are Ok for now to buy woolworths gc, but no one knows what Coles will do to “enhance” their security after this hack. Maybe even less places you can spend than Auspost ones soon.

                • ATangk on 18/10/2021 - 12:07

                  @1000060: I tried again, didnt work?

                  • 1000060 on 18/10/2021 - 12:08

                    @ATangk: Already patched then. It was working last Friday.

                • samehada on 18/10/2021 - 12:08

                  @1000060: What Coles should do is block all transactions that doesn't pass through CVV number. That will stop this kind of brute force attack.

                  • 1000060 on 18/10/2021 - 12:10

                    @samehada: True, but they may apply other restrictions as well like Auspost. Which will be a disaster for online purchases.

                  • ATangk on 18/10/2021 - 12:17

                    @samehada: Even transactions with CVV numbers are being blocked though, so its a bit annoying everywhere.

    • samehada on 18/10/2021 - 00:55
      +5

      I think you still missed another point. Probably keep the card for a few months even after you used up. many ppl just throw away the card after spent all and guess what order cancelled and the shop refunded back to your card. Now you can say goodbye to your money.

      This is my real case, I have paid extra for my water bill then I got a call from Water company, I have told them to just keep it on my bill and do not refund it. A month later I login to my account and I don't see the credit anymore and to my shocking they have refunded back to my prepaid card which I have already thrown away. I was extremely pissed because it was $600.

      • WookieMonster on 18/10/2021 - 01:01
        +6

        I would not call that an issue with the product, that’s an issue with the person using the product. I have a stack of used Coles Gift Mastercards sitting next to me for that exact reason… I guess I may be more diligent than the average Coles Gift Mastercard user.

        • samehada on 18/10/2021 - 01:03

          you will never know what will happen, sometimes you received your order then used it and it has issues then you got your refund and now you no longer have the card.

          • jasonb on 18/10/2021 - 01:47
            +1

            @samehada: Depends what you use them for. I'd never buy a physical product with them. Have plenty of bills to pay.

            That experience with the water company is obnoxious to say the least. I've put plenty of utility bills into credit using cards from promos like this and never an issue.

          • aoiro on 18/10/2021 - 07:04
            +6

            @samehada: I take a photo of the front and back of the card and file it away under used. If I get a refund on it I can use up the balance online, no physical card necessary. Some merchants, like Amazon giftcards lets you choose the specific amount.

            I won't be buying any this round though, due to the hack.

            • samehada on 18/10/2021 - 08:28
              +2

              @aoiro: you can put in spreadsheet with card number, easier to search

        • endolphin on 18/10/2021 - 10:27
          +1

          Yep. I have a box full. Probably 400 odd, and all with receipts.

  • Koipanda on 18/10/2021 - 00:46

    I bought over 10 $100 cards from the ZIP sale… Guess its time to buy more!

    • Mandalorians on 18/10/2021 - 07:05
      +3

      you should spend them asap or hacker will spend them

    • sydney_kings on 18/10/2021 - 09:01

      It wouldn't have been much of a saving considering there's a cost associated to each of the cards. Why not at least get the $250 card instead?

      • UrMumsOnlyFan on 18/10/2021 - 09:44
        +1

        Probably because they weren't able to find stock of $250 cards.

        • Koipanda on 18/10/2021 - 13:22

          Yea there was no stock for those. $5.50 per card isn't bad and if you stack with Shopback GC it's pretty good. No hard with required.

  • Homr on 18/10/2021 - 00:52
    -3

    can we go to ATM and withdraw cash?

    • WookieMonster on 18/10/2021 - 00:54
      +1

      No

      • Homr on 18/10/2021 - 00:55

        How will the $7 fee work?

        Is it $7 per $250 gift card? or for the whole purchase?

        • Clarky77 on 18/10/2021 - 01:00

          Per card

        • plmko on 18/10/2021 - 01:03

          The card is $257.

        • WookieMonster on 18/10/2021 - 01:09
          +4

          The $7 gift card purchase fee is what you pay for Indue (the card issuer) to activate the gift card and “manage” the funds on there. (I say manage in quotation marks, as some OzBargainers will beg to differ…) You only pay this $7 gift card purchase once at the time of purchase.

          The 10% off referenced in this deal is applied on the sum of both the $250 face value of the card and the $7 gift card purchase fee (i.e. the 10% off is applied to $257), so you’ll only pay $231.30 for a $250 Coles Gift Mastercard.

    • samehada on 18/10/2021 - 01:01
      -1

      in your dream

  • bird380 on 18/10/2021 - 01:10
    +6

    Well, Coles known the issue, but still promoting this card…

    • popsiee on 18/10/2021 - 06:43
      +3

      Hehe They want to clear em lol :)

    • Neoika on 18/10/2021 - 08:15
      +4

      All promos were set months ago.

  • webtherapist on 18/10/2021 - 01:14
    +1

    thanks F I used all of them, 10K worth lol

  • Inyokuchi on 18/10/2021 - 01:59

    To anyone having issues with the compromising gift card, have you tried topping it to your virtual credit cards? Does that work?

    • ozvince on 18/10/2021 - 09:47
      +4

      I've tried to top up my Revolut account but it didn't work.

  • Dr Cheapo on 18/10/2021 - 05:32
    +2

    2 of mine were hacked since the last deal, lost $200. Be warned, I wouldn't touch this with a ten foot pole

  • MrrMagic on 18/10/2021 - 07:17

    Time to work the magic.

  • MrrMagic on 18/10/2021 - 07:17

    Coles didn't refund?

    • cloudy on 18/10/2021 - 10:02
      +1

      Not yet, they promised 5 days but after 8 days still nothing…

  • meowsers on 18/10/2021 - 07:18
    +9

    I clear these out super fast by overpaying my rates. Council then refunds me via bank transfer.

    No processing fee for me.

    • popsiee on 18/10/2021 - 07:26
      +8

      You had better start up a money laundering / washing biz .

      Seriously you have a dumb council there but that is nothing new .

    • MrrMagic on 18/10/2021 - 09:28

      You sir have changed my life. I purchased 54k worth on the last promotion.

  • cloudie9 on 18/10/2021 - 07:43
    +2

    A saving of $18 for the $250 card after taking account into the $7 fees plus high risks of getting hacked! Probably stay away from the hassles…

  • asc on 18/10/2021 - 07:44

    Can car insurance, car rego, 3rd party Greenslips be prepaid in advance with these?

    • capslock on 18/10/2021 - 07:58
      -1

      no

      • wearabloodymask on 18/10/2021 - 08:13

        Completely depends on who you are with.
        Government you cant prepay but insurance companies 100%. A lot you do online as advanced payment.

        Last time i did this deal i paid heaps of bills in advance - telstra - optus - medibank - suncorp

        • WookieMonster on 18/10/2021 - 08:20
          +1

          It actually boils down to whether the payment processor for a merchant accepts a Mastercard with no 3D Secure.

          Apparently Woolworths Insurance recently stopped accepting cards with no 3D Secure.

        • capslock on 18/10/2021 - 08:45

          OP specifically asked about car related bills which you cannot pay in advance.

  • OzBrogains on 18/10/2021 - 08:46
    +4

    Got mine hacked minutes after buying. Refund took a long time to get back.

    • King Tightarse on 18/10/2021 - 08:54

      Did they refund the face value or purchase price?

      • OzBrogains on 18/10/2021 - 09:04
        +2

        Purchase price but I needed to push hard for that. Was a very stressful experience!

        • thekensai on 18/10/2021 - 09:32

          how long did it take for them to refund you?

  • Maglia Nera on 18/10/2021 - 08:55
    +1

    thanks but rather not give $$$ to hackers

  • [Deactivated] on 18/10/2021 - 09:04
    +2

    For a $100 MasterCard, the % off is only 5%.

    For a $250 MasterCard, the % off is only 7.2%.

    For that kind of discount, the risk isn’t worth it, unless you spend it ASAP.

    • [Deactivated] on 18/10/2021 - 10:34
      +5

      It's easier to work and an hour overtime, than even buying multiple cards.

      I absolutely love saving, but as I got older I realised it's actually easier to just earn more money than try save scraps.

      • leiiv on 18/10/2021 - 10:56
        +3

        It really depends on the amount and time spent to do it. Would you rather save $100 and spend 1 hour to do it, or earn $100 by working 1 hour? Remember that the $100 earned by working will be taxed at a minimum 19%, and maximum 45%.

        • bean_counter on 18/10/2021 - 11:00
          +1

          minimum 0% if assessable income within tax free threshold…..

      • Mad Max on 18/10/2021 - 12:50
        +2

        Or you could do both…earn more money and save scraps $$$

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