This was posted 1 year 6 months 29 days ago, and might be an out-dated deal.

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10% off $100 & $250 Mastercard Gift Cards ($5 & $7 Activation Fees Apply) @ Coles

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10% off $100 & $250 Mastercard Gift Cards ($5 & $7 Activation Fees Apply) @ Coles
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AssociatedTaegukgi @ Best Aussie Online Marketplace Deals on 15/10/2022 - 09:00 imgur.com (7364 clicks)
Last edited 04/04/2023 - 18:13 by 2 other users

Time to stock up again.

$100 gift card = $5 activation fee
$250 gift card = $7 activation fee

Woolworths will have a promo on Myer gift cards.

10% OFF $100 & $250 Coles Mastercard Gift Cards

Limit 5 Gift Cards per customer. 10% discount will be applied to the value of the card including the applicable activation fee. Total cost for $100 gift card is $94.50 ($90 for card and $4.50 for activation fee) and for $250 gift card is $231.30 ($225 for card and $6.30 for activation fee). Offer valid only in store at Coles Supermarkets (excludes Coles Online, Coles Express and purchases via giftcards.com.au), subject to store availability. Excludes $50 Coles Mastercard Gift Cards. While stocks last, no rainchecks. Please note Coles Mastercard Gift Cards will have a minimum 4 hour activation delay. Coles Mastercard Gift Cards cannot be used to purchase any other gift card sold at Coles. Offer valid from 19/10/22 to 25/10/22. Refer to individual gift card for terms and conditions. Coles Mastercard gift cards are issued by Heritage Bank Limited ABN 32 087 652 024 AFSL/ACL No. 240984 pursuant to a license from Mastercard International Incorporated. For Coles Mastercard Gift Card Terms of Use and Conditions, go to www.colesmastercardbalance.com.au.

Offers valid until Tuesday 25 October 2022

Full credit to Best Aussie Markdowns member

Financial Gift Card MasterCard Prepaid Credit/Debit Card

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closed Comments

    • SydOzber on 04/11/2022 - 11:04
      +3

      I agree. I referred to the digital version of that paper and my interpretation is same as yours. Can we all collectively raise a complaint with Heritage ?

      https://www.fscarddisclosures.com/C1951_1701_VMC_Coles_Austr…

      If they wish to enforce this rule, they can do it for new cards as the card agreement is linked to first 8 digits of the card but not to already sold cards - https://www.mybalancenow.com/#/cardholderAgreement

      • Bdawg on 04/11/2022 - 12:01
        +11

        Never have so many been so disappointed that they can't pay their taxes.

    • sylvester328 on 04/11/2022 - 13:01

      I wonder if we can tell whether the transaction is blocked by Heritage or the merchant. I can't use it to pay for my Bupa health insurance.

      • t25 on 04/11/2022 - 14:04
        +1

        That’s rather concerning! First it was ATO now it is PHI. Soon they will block it at any merchants of their choosing.

        • Neoika on 04/11/2022 - 18:55
          +1

          Yes, they can. However, no one will buy it any more. It already happened to Only One VISA that has been rebranded several times to have a new appearance.

      • SydOzber on 05/11/2022 - 05:51

        Has anyone tried their luck with any other health insurance company ? Is it just Bupa for now ?

  • Dr Cheapo on 04/11/2022 - 13:27
    +3

    I wouldn't bother with these things again, not worth the hassle

  • cpkcpk on 04/11/2022 - 14:44
    +1

    Heritage Bank must have made a significant $$ lost with people using the discounted Coles MCs to pay ATO, council rates, utilities bills, private health insurance etc. I used the cards to prepay my private health insurance for 14 months in advance (and beat the price rise), Sydney Water and ATO….within 3 days of purchasing, the entire balance was used up and this is NOT what Heritage bank were hoping for. A bit like the Hiver card with the now withdrawn 5% rebate….people will take maximum advantage of the (perceived) loophole. .. til it is closed and then the next one is found…..

  • dcool75 on 04/11/2022 - 20:01

    Now that the ATO and Wise loophole is closed what’s the best option to get rid of these?

    • Neoika on 04/11/2022 - 20:12

      Incomm Payments may be one of the 312 subs in this deal as Mad Max said here.

    • mmd on 04/11/2022 - 20:27

      can anyone confirm if wise is definitely closed?

    • a1234my on 04/11/2022 - 23:28

      Is it ato and others close OR heritage that close it?

  • fedex11 on 04/11/2022 - 23:38
    +2

    I wasn’t able to add this card to shopback app. Error message ‘unable to verify card with the bank’. Looks like it’s use is more restricted now.

    • t25 on 04/11/2022 - 23:48
      +4

      Maybe time for us to lodge a bulk complaint with AFCA.

      They were previously able to be used at places where MasterCard was accepted. At this rate they might as well just block everyone and keep the money for themselves. Or if a business is popular, they can easily block it limiting us from accessing them.

  • Mr Joker on 05/11/2022 - 09:19

    Could someone detail the process of making a complaint to AFCA?

    I think it's defs worth to complain about this.

  • SydOzber on 05/11/2022 - 10:11
    +8

    Hi all,

    I have created a Change petition. Request all to please sign and also send the below email to Heritage and AFCA.

    Change Petition: https://www.change.org/p/heritage-bank-revert-back-card-usag…

    To: [email protected]; [email protected]
    Subject: Unblock merchants to use Coles Prepaid Master Cards

    Hi Heritage Bank/AFCA,

    Request you to please consider this change petition and take necessary action at the earliest.

    https://chng.it/tyxs9WstyD

    Thanks

    • fedex11 on 05/11/2022 - 10:53
      +3

      Considering this was so heavily advertised across the radio and national news, it’s definitely worth bringing the issue up to Heritage bank.

    • t25 on 05/11/2022 - 11:07

      Signed and shared.

      • SydOzber on 05/11/2022 - 11:10

        Thanks. In all honesty, irrespective of the disappointment that bills cannot be paid using this card… this is such a cheap act by an ADI

    • yolow on 05/11/2022 - 19:43
      +1

      You should start a new oz bargain forum thread, will get more attention imo.

    • SabreTooth23 on 05/11/2022 - 22:40

      Signed and shared.

    • Dealseeker21 on 05/11/2022 - 23:25
      +1

      Change.org won't do a thing

      Best course of action is for each person impacted to raise an AFCA complaint, which Heritage bank are are required to respond to each individual

      I'll be doing that shortly, and wait for the outcome in a month or so

      • SydOzber on 05/11/2022 - 23:37

        Thanks for your inputs. Below is the email I’ve been requesting everyone to send it to AFCA/Heritage.
        Please advise if you think we need to add more details.

        To: [email protected]; [email protected]
        Subject: Unblock merchants to use Coles Prepaid Master Cards

        Hi Heritage Bank/AFCA,

        Request you to please consider this change petition and take necessary action at the earliest.

        https://chng.it/tyxs9WstyD

        • Dealseeker21 on 05/11/2022 - 23:38
          +1

          Again waste of time, probably won't even get a reply from AFCA with a message like that

          Just go to https://www.afca.org.au/make-a-complaint and make a complaint indivdually

          Costs Heritage money as well for each complaint lodged

        • spc12go on 06/11/2022 - 14:16

          This will be the response from Heritage Bank

          Thank you for bringing your concerns to our attention and your time on the phone.

          As discussed, the Coles Mastercard is owned and operated by a company called Incomm. As the product owner, Incomm collect and manage your personal and transaction information. Heritage Bank is the card issuer, we act as a service provider to Incomm to carrying out the financial administration associated with the cards. As such, we do not have access to the account or transactional details for these cards.

          I have escalated your concerns with Incomm and they will contact you to discuss

          If you are unhappy with the outcome provided, you may request an independent review with the Australian Financial Complaints Authority (AFCA):

          Telephone: 1800 931 678
          Email: [email protected]
          Online: www.afca.org.au
          Mail: GPO Box 3
          Melbourne VIC 3001

          • YesPleaseThankYou on 06/11/2022 - 15:59
            +1

            @spc12go:

            As discussed, the Coles Mastercard is owned and operated by a company called Incomm. As the product owner, Incomm collect and manage your personal and transaction information. Heritage Bank is the card issuer, we act as a service provider to Incomm to carrying out the financial administration associated with the cards.

            I am sure Heritage Bank knows this, but allow me to point out that Incomm is not a member of AFCA, refer https://ocf.afca.org.au/. Herritage Bank is responsible for taking carriage of and 'owning' the complaint.

            I would only deal with Heritage and not some offshore company in the handling of this complaint.

            I am yet to use the cards I purchased, but if I also come across this issue, I will be raising the issue with Heritage Bank and or AFCA. Further, I am not going to wait around months for resolution. Heritage and simply refund the full face-value of the cards to me.

        • SydOzber on 15/11/2022 - 11:30
          +13

          UPDATE:

          I've received a response from AFCA yesterday saying that they've asked Heritage Bank to provide a response by 05 Dec 2022.
          Also received an email from Heritage Bank Customer Relations team with in an hour asking me for card details. They're now trying to make it look like a card specific issue.

          I've tried paying ATO last night and it went through ok(5 each via ATO and EasyPay), I tried again now(after the 12 hour gap) and all the 10 payments went through ok.

          Looks like Heritage Bank has now unblocked ATO. To cover up their mistake, Heritage may go back to AFCA and say that it was a technical issue.
          Thanks to everyone who signed the petition and sending emails out to Heritage and AFCA

          • t25 on 15/11/2022 - 11:43
            +3

            @SydOzber: Technical issue my arse. They tried to move the goal posts after they had pocketed the money, now it seems they are moving the goal posts again to its original position.

            Still makes them look dodgy AF.

          • Yola on 15/11/2022 - 12:24
            +1

            @SydOzber: Thank you on behalf of all of us.

          • yht on 15/11/2022 - 12:30
            +2

            @SydOzber: Thank you so much. I managed to pay off my ATO debts now

          • yolow on 15/11/2022 - 13:01

            @SydOzber: is it safe to say we still can buy these card again in feb 23?

            • SydOzber on 15/11/2022 - 13:07
              +2

              @yolow: I would personally avoid buying in large numbers after this experience.
              I'm sure they will plan to amend their T&C for the next lots to exclude Government payments(similar to automated fuel dispensers).

            • t25 on 15/11/2022 - 14:27

              @yolow: You can, but it will be at your own risk. Maybe just buy enough for places that you can use them immediately.

          • daanish on 15/11/2022 - 16:26
            +2

            @SydOzber: Thanks for leading the charge on this one! Managed to pay off the last of my tax bill and HECS debt this afternoon.

          • SydOzber on 15/11/2022 - 19:53
            +3

            @SydOzber: Just received a response from Heritage. It's funny how they think what they've done is still consistent to T&C

            Thank you for your email and for bringing your concerns to our attention.

            The card provider, InComm, has investigated your matter and what has occurred here is consistent with the card’s terms and conditions. However, I am pleased to inform you that as an outcome of the investigation these cards can now be used with ATO and BUPA.

            • YesPleaseThankYou on 15/11/2022 - 19:57
              +2

              @SydOzber: That response is complete rubbish.

              Heritage Bank can't keep handballing this to InComm. Heritage Bank should be very careful of reputational damage with arrangements like this.

              So glad we have AFCA.

              • SydOzber on 15/11/2022 - 20:00
                +1

                @YesPleaseThankYou: 100% Agree.

                That's my response. Now that the cards are unblocked, I am going to have some fun conversation exchanging emails with Heritage :)
                https://files.ozbargain.com.au/upload/137114/99487/email_res…

                • YesPleaseThankYou on 15/11/2022 - 20:04
                  +2

                  @SydOzber: Excellent — focus needs to be on Heritage.

                  You may need to steer AFCA into keeping discussion with Heritage Bank only.

                  If Heritage Bank wishes or needs to discuss matters with InComm, then that is its business, and of no concern to you/us.

                  Heritage Bank is engaging in blame shifting. Despicable.

                • yolow on 15/11/2022 - 23:06
                  +1

                  @SydOzber: Good work, mate! Lets us all know of the outcome.

          • uwuwu on 15/11/2022 - 21:54
            +2

            @SydOzber: yay great work spk

      • uwuwu on 05/11/2022 - 23:42
        +1

        I'm willing to put in a complaint too

        but which option did you select for 'Type of service'

        Credit?

        • Dealseeker21 on 05/11/2022 - 23:46
          +1

          Tick that you have complained already to the firm and make up a date in the last week
          State have not received a response

          I did Payment Systems then other complaint

          No reference

          No compensation

      • JIMB0 on 06/11/2022 - 08:13
        +1

        Better off starting a go fund me, unless they blocked that as well.

    • mmkardart on 15/11/2022 - 20:28
      +2

      You did it! We did it!

      Heritage: 'I am pleased to inform you that as an outcome of the investigation these cards can now be used with ATO and BUPA.'

  • bbking18 on 05/11/2022 - 14:48

    I am having problems adding these cards to my PayPal account during the past week, 2 out of 4 cards failed to link yo PayPal. Upon clicking save card I received an error message, which is pretty much saying this card has been linked to another PayPal account and please try to unlink the card first or try a different card. Then I checked card balance and to my relief still got full balance on the card. It doesn't make sense. When it happened to one card I thought it must be PayPal got a system glitch or something. But happened twice within the week is something else. I tried logout PayPal, login using different broswer but error message persisted.

    Does anyone have the same experience? I couldn't figure it out. If anyone was able to succesfully linked this card to his/her PayPal account why wouldn't they used the full balance asap?

    • DOGGYWOWWOW on 06/11/2022 - 01:01

      Happened to me before, solved by deleting some other cards. Think its got to do with too many cards being linked.

      • bbking18 on 06/11/2022 - 14:22

        Mine is definitely has nothing to do with linking too many cards. For one I only linked a few cards and removed them as soon as I used them. Second, the error message was different. It would tell you that too many cards linked to your PayPal account please remove some and try again. In my case, error message was this card has been linked to another PayPal account… I was really worried until I checked the card balance and full balance was on card. Straight away I used the full balance.

        • samehada on 07/11/2022 - 18:38

          That is probably because card number was reused with different exp and CVV. That should be how prepaid MC/Visa works.

          • bbking18 on 07/11/2022 - 20:02

            @samehada: Ok, but when add card to PayPal expire date and CVV are also required.

            • samehada on 07/11/2022 - 21:38

              @bbking18: "which is pretty much saying this card has been linked to another PayPal account and please try to unlink the card first or try a different card"

              The error is already self explanatory for you. You can only link the same card number for 1 Paypal account. Someone else must have already linked this same card number in a different batch with different exp date and CVV and has not unlinked it yet.

              With only 6digits card number which is only 1 million cards, how do you think there are so many cards that has been sold?

              • bbking18 on 08/11/2022 - 14:39

                @samehada: Yes, I do know only 6 digits card number are unique, but I thought PayPal would use not only card number but also expire date and CVV as well. But I think you are right. As soon as PayPal recognize the card number they send out error message straight away.

                • WookieMonster on 08/11/2022 - 14:52

                  @bbking18: Keep in mind that the BIN for Coles Mastercard gift cards was previously assigned to a different bank (and it looks like the previous bank was an overseas bank).

                  If someone neglects to unlink from their PayPal account an expired debit/credit card using the same card number as the card number you have, that probably explains the reason PayPal thinks the card you have is already linked to another account.

                  • bbking18 on 08/11/2022 - 14:56
                    +1

                    @WookieMonster: Thanks WookieMonster. I did panic a bit as I don't have a lot of experience in this. I quickly used the card to pay directly on merchant's website rather than PayPal.

  • HeyHi on 05/11/2022 - 15:08

    Doesn't work with aus post bill pay either. Hope someone is not left with 100s of the card with no where to use.

    • dcool75 on 05/11/2022 - 15:12

      I have 25 of 250’s and 25 of 100’s. Don’t know where to use these now :|

      • Neoika on 05/11/2022 - 15:46
        +2

        Here. Post them here and we'll help you out.

      • fatice on 05/11/2022 - 15:49

        Petrol? Or buys a car to use the petrol?

        • dcool75 on 05/11/2022 - 16:54

          I will need to buy a parking to buy a car :D

        • a1234my on 05/11/2022 - 17:00

          Costco petrol fail too

      • uwuwu on 05/11/2022 - 16:04

        woolworths gc for grocery shop?

        • TEER3X on 13/11/2022 - 20:08
          +1

          fails now

    • bbking18 on 05/11/2022 - 15:56

      Oh wow unbelievable. When did you try? Lucky I didn't buy many. I used up all mine.

    • SydOzber on 05/11/2022 - 19:24

      I paid NRMA comprehensive and ACN renewal at PO on Thursday evening.

      If someone else can try and we are sure about it, I’ll edit the change petition to include this as well

    • Dealseeker21 on 05/11/2022 - 23:29

      Still works for Aus Post bill pay here

  • Alekhine on 05/11/2022 - 15:59
    +3

    Signed
    Very unethical of Heritage bank

  • Yola on 05/11/2022 - 16:04
    -2

    Signed. Very well written. Thank you spk.

    • t25 on 05/11/2022 - 18:37
      +5

      I wonder if cross posting to Coles FB page would cause a bit more publicity/controversy. We need to use every resources we can at our disposal to pull Heritage Bank in line otherwise Coles and Heritage Bank will just take advantage of the promotion.

      • SydOzber on 05/11/2022 - 19:22
        +2

        Agree. I was also thinking to reach out to the media person who has published the 7 news article.

    • SydOzber on 05/11/2022 - 19:43
      +6

      Thanks mate, 6000+ clicks on the deals and only 6 votes so far.
      Request all members(even if you have used all the cards or didn’t participate in this deals) to please support. Unless there are atleast 100 signatures and emails sent out.. Heritage wouldn’t take it very seriously

      • impoze on 06/11/2022 - 08:47

        Signed

  • [Deactivated] on 10/11/2022 - 11:58

    Mine wouldn't work through Langtons, my wine broker couldn't get the system to accept it.

  • yht on 10/11/2022 - 13:40

    What a BS from both Heritage Bank and Incomm. Almost 3 weeks since lodging the dispute form, I chat with Heritage Bank, given 1800 number to call that belongs to Visa Debit helpline even though I said it is for Mastercard prepaid. They only able to send email to Incomm about my cases, nothing that they can do. Trying to wash their hand !
    Then I rang to the 07 number on the card and was advised that I have been sending to US Incomm instead of AUS. WTF ? The form only mentioned to the US email address and nothing else. How would I know it is gone to US ? Wasting 3 weeks for nothing !

    • YesPleaseThankYou on 10/11/2022 - 13:49
      +1

      Lodge a complaint with AFCA. Simple.

    • SydOzber on 10/11/2022 - 19:20

      What was the expiry date of the cards that were hacked, please - 03/27 or 06/27 ?

      • Yola on 10/11/2022 - 19:26

        I recall someone mentioning a 03/27 $100 card but it would not surprise me if there were some from both batches.

  • [Deactivated] on 10/11/2022 - 15:27

    Can someone explain where I can use these cards now?

    Can I still pay my council rates?

    Langtons is a wine retailer and wouldn't accept it.

    How are these prepaid credit cards if we can't use them as is.

    I'll sign whatever I need too, or email but we need a more detailed post.

    I doubt many people have checked back in.

    • yht on 10/11/2022 - 15:37

      I used it to pay AAMI insurance, council rates, electricity bills, petrol, cafe, restaurant, supermarket

      • [Deactivated] on 10/11/2022 - 17:27

        Yeah, I was hoping to use for large wine orders.

        I hate the idea of remembering how much I got on there, and then doing split payments at servos etc

    • capslock on 10/11/2022 - 15:45

      I used it to pay car rego, council rates, health insurance, water bill, electricity bill, internet bill, phone bill, fast food, takeaway, gift cards at Shopback, Cashrewards and Woolies. Pretty much most of my daily expenses.

      I don't understand how anyone can have difficulty using these.

      • fatice on 10/11/2022 - 16:50

        How did you pay the car rego with them? The online payment system does not take split payment.

        • [Deactivated] on 10/11/2022 - 17:26

          He may pay 3 months at a time.

          • t25 on 10/11/2022 - 19:09

            @[Deactivated]: Previously I paid at the post office in $250 blocks (Western Australia) for a whole year (approximately five cards). However, with the blocking of select merchants I am not sure if it will still work today.

            • [Deactivated] on 10/11/2022 - 19:19
              +2

              @t25: That's the issue.

              What does work?

              How the hell can you sell a MasterCard that suddenly has limited availability and how is this legal?

              It's BS

              • t25 on 10/11/2022 - 22:10
                +4

                @[Deactivated]: It shouldn’t be legal. Coles/Heritage Bank needs to be held accountable.

                Advertised as “accepted where MasterCard is accepted” and at one point in time was actually able to be used at most places.

  • TEER3X on 13/11/2022 - 20:13
    +1

    pretty sure i was able to buy discounted woolies giftcards on their website (clicking through RACV member website first), but now transaction fails every time. it's not a website issue because the moccona MC's still work

    i have a few of these coles ones left, wouldn't mind converting them to amazon GC's if possible or any other suggestions?

    • WookieMonster on 13/11/2022 - 21:47
      +3

      Assuming you have a PayPal account, have you tried linking a Coles Mastercard gift card to your PayPal account, then when you check out on the Woolworths Group gift card portal, select PayPal and choosing the Coles Mastercard gift card as the payment source? That should get around any restrictions Woolworths Group have (probably) put in place for Coles Mastercard gift cards.

      wouldn't mind converting them to amazon GC's if possible or any other suggestions?

      You should be able to use a Coles Mastercard gift card to purchase an Amazon gift card on the Amazon website. (It worked for me a few weeks ago.)

      Alternatively, you should be able to use it to purchase Amazon gift cards on Prezzee (via PayPal) or Giftz.com.au, or discounted gift card portals selling discounted Amazon gift cards (e.g. HCF Thank You). You may even be able to use it to purchase an Amazon gift card at Coles (but I have not tested this myself).

      • TEER3X on 14/11/2022 - 12:20
        +1

        Thanks Amazon gift cards through Amazon work. I'll try the PayPal thing for sure.

        Don't think I'll be buying any more of these in future offers

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