This was posted 1 year 6 months 25 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 19/10/2022 - 07:53

                  @yolow: Just put in your actual name

                  • yolow on 19/10/2022 - 07:54

                    @SydOzber: Thanks mate. So it is a matter of waiting 4-5 hours before the card gets activated now?

    • Bdawg on 17/10/2022 - 13:19
      +1

      Yes and also HECS/HELP student debt. I'm finally free!

  • King Tightarse on 15/10/2022 - 09:30
    +1

    Coles changed their POS terminals so that inception was not possible with the last Vanilla Giftcard deal https://www.ozbargain.com.au/node/724018.
    I wonder if it is also true for these?

    • Tenzin on 15/10/2022 - 09:41
      +3

      I used one of these to purchase a couple "For HIM" giftcards that were returning 2000 Flybuys the other month, via standard human-operated checkout.

    • WookieMonster on 15/10/2022 - 10:01
      +2

      I used a Coles Mastercard gift card to pay for a Vanilla Visa gift card deal during that deal you linked to and it worked.

      Who knows whether you can still use Coles Mastercard gift cards to pay for prepaid gift cards at Coles.

    • chyawala on 15/10/2022 - 10:29
      +2

      I heard someone tried and it is not possible to buy another. Invalid product mix error. Never been able to buy them as they were out of stock.

    • Ryder08 on 15/10/2022 - 11:09

      POS? Piece of s#!t terminals?

      • King Tightarse on 15/10/2022 - 11:11

        Lol yes that too. (Point Of Sale)

  • youngchinaman on 15/10/2022 - 09:37
    +2

    Great for paying bills at the post office. Effectively get your discount plus any reward points that you otherwise would not have received had you paid in person at the post office.

    • SydOzber on 15/10/2022 - 10:30
      -3

      These cards don't work at Post offices anymore

    • capslock janitor on 19/10/2022 - 13:10

      plus any reward points that you otherwise would not have received had you paid in person at the post office.

      can we pay creditcard bill with the gc?

      • Bdawg on 21/10/2022 - 16:21

        No, unless you can find some 3rd party to go through, I haven't had any luck.

  • payless69 on 15/10/2022 - 09:39

    Personally I prefer Coles to Woolworths.
    But the $100 card nets you only 5% after hard work with the 250 being it a risk to the high crime we currently experience.
    Using Woolworth mobile with perks is seriously an offer to consider?

    • capslock janitor on 15/10/2022 - 10:16

      What Woolies mobile oerks

      • muncan on 15/10/2022 - 11:17

        10% off one shop per month

  • zrmx on 15/10/2022 - 09:40
    +2

    For the last deal, the Coles I went to actually stored the cards at the service counter and they told me they didn't want people hiding them.

    So if you can't find them on the hooks of the gift cards section, speak and check with the staff.

  • Tenzin on 15/10/2022 - 09:46
    +2

    Last time this was on, Woolies came to the party with the 5% additional value on their cards deal, the same as in this expired post: https://www.ozbargain.com.au/node/729969
    Worth keeping an eye on, as you can purchase WW GCs with these Coles GCs.

    • JHoliday on 15/10/2022 - 10:55

      The Coles cards work on Woolies online Gc portal? Or you mean in store?

      • Tenzin on 15/10/2022 - 11:43
        +1

        It worked via the GC portal on WW website. WW eGift cards.

      • koakun on 21/10/2022 - 15:47
        +2

        Yes it works.
        I just purchased WW e-giftcard using this mastercard and received in 5min.

    • chyawala on 15/10/2022 - 11:13
      +1

      I believe people reported these cards do not work on there anymore.

      • JHoliday on 15/10/2022 - 13:33

        So two different responses.. would be good if someone could confirm if they were recently able to pay with these cards for Woolies Gc online

        • loulou1 on 23/10/2022 - 14:58

          I have tried through perks, racq and nrma today. No joy using any of these, but others have been able to.

        • attalisie on 24/10/2022 - 10:07

          I was able to using these on woolworths mobile portal

        • impoze on 24/10/2022 - 10:17

          works fine on woolies gc portal

  • PVS7 on 15/10/2022 - 09:55

    Thanks OP. Been waiting for the offer, as I ran out of the cards that I bought last time.

  • Flyinghigh on 15/10/2022 - 09:59
    +2

    It does not have theTap n Go functionality. Having to swipe and sign is very annoying time wasting.

    • pennypincher98 on 15/10/2022 - 11:16

      I thought sign was phased out in 2014? Regardless, this is great news if true. Not being able to Tap n Go means less chance of it being comprised (unless online transactions).

      • WookieMonster on 15/10/2022 - 11:41
        +4

        Signature verification was phased out in Australia for nearly all Australian-issued cards in 2014.

        However, if you look at the industry website set up to promote the phase-out of signature verification in most scenarios signature verification is still permitted in the following scenarios:

        1. Transactions conducted by cardholders with cards issued by banks outside Australia.

        2. Transactions conducted overseas by cardholders with cards issued by Australian banks (especially since you may come across a merchant overseas that does not accept PIN verification).

        3. Magnetic stripe transactions (generally on payment cards that do not have a chip, for example some prepaid cards and prepaid gift cards)

        4. Signature only cards. These cards may be issued by certain financial institutions to accommodate special needs of individual cardholders and are subject to specific criteria.

        OnlyONE Visa gift cards (with no PIN attached to the gift card), Coles Mastercard gift cards and Vanilla Visa gift cards fall under (3), which is the reason you can still sign to verify using those prepaid gift cards.

        Coles Mastercard gift cards do not come with a PIN when it is sold to you, so its default verification method is signature verification. However, if you want to set a PIN, all you need to do is when the EFTPOS terminal prompts you for a PIN (assuming it does that), you can punch in any four numbers of your choosing and the card issuer will use that as the card's PIN going forward. Once you set a PIN, signature verification is no longer an option.

        • pennypincher98 on 15/10/2022 - 11:47

          Interesting info.

          if you want to set a PIN, all you need to do is when the EFTPOS terminal prompts you for a PIN (assuming it does that), you can punch in any four numbers of your choosing and the card issuer will use that as the card's PIN going forward.

          So your options are either: online with seemingly no restrictions or in store with a PIN that you choose yourself while purchasing (or signature with nothing to compare to). Both don't seem secure.

          • WookieMonster on 15/10/2022 - 12:02

            @pennypincher98:

            online with seemingly no restrictions

            That is true in the fact that there is basically no fraud detection capabilities used by card issuer to stop any "suspicious" activities. It's the reason that a lot of Coles Mastercard gift cards were recently hit with fraudulent transactions from a massage parlour (and no one except whoever was doing those fraudulent transactions was happy in the end).

            You will run into some online merchants who will not accept Coles Mastercard gift cards due to the lack of security features, but that is generally the exception rather than the rule.

            in store with a PIN that you choose yourself while purchasing

            After you set the PIN, you cannot change the PIN at the EFTPOS terminal. Considering you set the PIN yourself (and it is not set by the card issuer), it would ordinarily not be written anywhere on the card, so at least you have that? Having said that, you only need the details on the card to log into the online portal and change the PIN to something else, so there is a workaround…

            I would argue that the OnlyONE Visa gift card (the version that comes with a PIN) is slightly less secure, because the PIN is printed on the back of the card, so anyone with access to the card knows the PIN!

            signature with nothing to compare to

            If a merchant follows the proper process, they would compare the signature you provide with the signature on the back of the card (and even with the signature on any ID you may be carrying on you) before deciding whether to approve or decline the transaction.

            Having said that, if you go to Woolworths or BIG W and opt for signature verification, the checkout will never ask you to provide a signature! It will approve the transaction assuming that you provided the correct signature.

            • trixieb on 15/10/2022 - 16:59

              @WookieMonster: @WookieMonster I'm assuming all fraudulent transactions were purchased online including massages, which is unusual for a massage parlour.

              • WookieMonster on 15/10/2022 - 18:59
                +1

                @trixieb: My presumption is that they were all online transactions or MOTO transactions.

                A little-known fact is that you can do MOTO (mail-order/telephone-order) transactions on most EFTPOS machines. The only details required for a MOTO transaction are the 16-digit card number and the expiry date. (Yes, there is no requirement to provide a CVC2 number for MOTO transactions, as these transactions existed before CVC numbers started being printed on cards.) I suspect that is how the “massage parlour” would have accepted payments.

  • Savas on 15/10/2022 - 10:09
    +1

    Damn… I just paid some bills yesterday.

  • yht on 15/10/2022 - 10:15

    Good timing as I need to pay taxes !

  • ozblogger on 15/10/2022 - 10:16

    Pay using one bought from last time, possible right ?

    • sh4hp on 15/10/2022 - 10:22
      +1

      Possible yes, if it hasn't been emptied by hackers yet.

  • BargainBenno on 15/10/2022 - 10:24

    Is there a limit to how many 250 ones you can buy at once? Like 20?

    • Cluster on 15/10/2022 - 10:27
      +1

      Five

    • sh4hp on 15/10/2022 - 10:28

      3 before they flag as scam alert, 5 per transaction usually.

      But I've noticed nowadays that after 3, they usually require the store assistant to be there to let each one after that through. So they literally need to stand next to you to scan their ID in after each card scan.

      • Miss B on 15/10/2022 - 11:20
        +3

        When I bought a few of the Vanilla ones, the person serving said they had to give me a scam brochure and check that I wasn't buying them to pay a scammer. I don't know if it's true or not, but she was saying a couple of days earlier there was someone on the phone with a scammer while buying them and they stopped her from buying them. I guess some people must get scammed or the scammers wouldn't keep trying.

        • sh4hp on 15/10/2022 - 13:49
          +1

          Yup. I went through the same talk with them too

    • Diana0777 on 15/10/2022 - 10:28

      5 in any one transaction per person.

    • FOX on 15/10/2022 - 10:29
      +7

      Don’t worry about this, you won’t find that many to even start with……

      • Miss B on 15/10/2022 - 11:22

        Try poor areas and country towns, works for me.

    • cryptowiz on 15/10/2022 - 10:32
      +1

      There's normally a limit of 5 cards per person per day at Coles. Every time my wife and I buy these cards, we are asked by the checkout assistant if we know about scams and are then handed and asked to read a leaflet about scamming that the government put out. We explain that we are just buying the cards to get cheaper groceries and they put the transaction through but the same thing happens the next day when we go back.

  • sh4hp on 15/10/2022 - 10:25

    Has anyone had experience "parking" this fund on a pre-order etc purchase (to use it ASAP) and then when the time comes cancel and put it onto your own bank card? Because google pay/samsung pay randomises your card number anyway, so that's an excuse if they ask for the actual card.

    • Aureus on 15/10/2022 - 10:41

      They will always send the money back to your gift card. Also these cards apparently don't work on Google Pay.

      • BargainBenno on 15/10/2022 - 10:42

        What about apple pay?

        • Aureus on 15/10/2022 - 10:45
          +1

          According to jimojr earlier in the thread, no.

  • AzuAzu on 15/10/2022 - 10:43
    +1

    Too lazy to search previous deals.

    Anyone kind enough to clarify if these cards can be used to buy gc on shopback?

    Thanks in advance.

    • Neoika on 15/10/2022 - 10:46
      +2

      Yes, but there is a hidden limit / cooldown period. I don't think you can use 5 different cards on one day.

    • CyberMurning on 15/10/2022 - 11:08
      +1

      Wow 100pct money laundering

      Today just bought $1000 shopback swap giftcard then tomorrow swap to coles, in 4 days swap to Mastercard, day after swap again to shopback swap giftcard

      Am i still innocent boy?

      • Neoika on 15/10/2022 - 11:18

        If you think it is worth doing, then do it. As I said there is a limit, you have to do it in a slow pace.

        • CyberMurning on 15/10/2022 - 11:19

          I will have only 4x 250$.. max

      • HereToSave on 15/10/2022 - 12:44
        +4

        You can’t buy them with Coles gift cards from Shopback

      • MrrMagic on 15/10/2022 - 17:40

        Dont think coels gift cards work for these?

  • firestint on 15/10/2022 - 10:55
    +1

    Not worth it. Need to deal with people hiding the cards in store and then the fear that you cards get hacked and stolen fraudulently.

  • ugtastic on 15/10/2022 - 10:56

    Will Amex pay full points for these as a grocery purchase?

    • t25 on 15/10/2022 - 11:13

      Pretty sure yes. Amex will see you bought $231.3 (or whatever amount) in "groceries".

      • CyberMurning on 15/10/2022 - 11:15
        -1

        Yup. Amex is good they have not many restrictions like other bank. Last time i call to confirm something they said well we are not banks

    • joffaa on 15/10/2022 - 16:26

      Yes. 100%.

  • nfr on 15/10/2022 - 11:01

    Are these cards accepted eveywhere just like regular Mastercards?

    • WookieMonster on 15/10/2022 - 11:14
      +5

      No.

      Prepaid gift cards (such as the one in this deal) lack security features that some merchants will mandate before accepting payment (e.g. 3-D Secure). Prepaid gift cards tend to seen as a less secure payment method, as they are not tied to a specific cardholder who had their identity verified when the card was activated.

      In the case of 3-D Secure, it allows a merchant to ask the card issuer to verify whether the authorised cardholder is the person attempting to make the payment (and the card issuer will usually do this by asking the cardholder to provide a 2FA code).

      In my experience:

      • You cannot use them as a payment method on Reward Gateway (a discounted gift card portal) or Everyday Pay, as it will fail the 3-D Secure check.

      • You cannot directly use them as a payment method on the Woolworths Group gift card portal. You can only use it on the portal if the prepaid gift card is tied to PayPal and then you use PayPal as the payment method.

      • Earlier this week, I tried to use a prepaid gift card at a restaurant that gets you to purchase items from their menu via a QR code at the table, but I kept on getting "authentication failed" messages on the payment page.

      Additionally, you cannot use prepaid gift cards for any recurring payments (e.g. subscriptions).

      • nfr on 15/10/2022 - 13:29
        +1

        Thanks for explaining. Looks like it's no biggie if I miss the deal.

        • WookieMonster on 15/10/2022 - 13:55
          +6

          You can still use these prepaid gift cards at heaps of merchants, but I would personally only purchase enough to pay for goods or services in the near term, including:

          • Other gift cards (e.g. Coles, Woolworths, Ultimate, TCN)
          • Bills (e.g. private health insurance, utilities)
          • ATO debts (including HECS debts)

          I would not hold onto them for long periods of time, because they are more vulnerable to BIN attacks than other types of cards (e.g. credit cards). There have been recent discussions of fraudulent transactions on Coles Mastercard gift cards if you want to see what some people had to go through.

          • Skinnydog on 20/10/2022 - 10:00

            @WookieMonster: @WookieMonster what is the best way to buy any discounted TCN or Ultimate gift card using these cards?.. I bought these for purchasing at JB

            I tried using amazon and my order is stuck :(

            • WookieMonster on 20/10/2022 - 11:35
              +1

              @Skinnydog: Have you tried Shopback? I believe they sell (some?) Ultimate gift cards with cashback. Just be mindful that there are limits to the number of cards you can redeem in a period of time, so you will need to be patient.

      • trixieb on 15/10/2022 - 16:51
        +1

        @WookieMonster Can I please clarify if this is a different portal to the Woolworths gift card 5% extra value? I was able to use the Coles Mastercard gift card to pay for the Woolworths 5% extra value, and also buy Woolworths gift cards from RAC which seems to use the same Woolworths portal as the 5% extra value. Thanks.

        • WookieMonster on 15/10/2022 - 18:54

          Nope. The RAC portal and the public portal selling the extra 5% value gift card have the same back-end, so I consider them basically the “same” portal in terms of accepted payments.

          Maybe I was unlucky! I was having problems with the checkout page when trying to purchase an extra 5% value gift card using a Coles Mastercard gift card, as the checkout page was stuck in a loading page (and I tried twice). This also happened to me a few weeks ago when I tried to use a Vanilla Visa gift card to pay for a discounted Woolworths Supermarkets gift card via Student Edge. As soon as I switched to PayPal, I had no problems.

          Maybe you’ll have more luck than me?

  • Techefy on 15/10/2022 - 11:03

    Can we split the payment and pay using hsbc debit card to get further 2% discount?

    • WookieMonster on 15/10/2022 - 11:19
      +4

      It depends on the type of checkout you go to:

      • Self checkout: the only type of split payment possible is to first pay using cash, then pay the remaining balance owed on one card. No change will be given, so you need to provide the exact amount of cash you actually want to spend. If you press the Mixed Payment button on the checkout screen, you will get an error message telling you to go to the service desk. A staff member will need to come over to clear the error message.

      • Standard checkout (including the service desk): it is at the discretion of the staff member operating the checkout. I once used 13 different cards to pay for gift cards at a Coles standard checkout. The staff member thought it was funny, although the person behind me waiting to use the checkout was getting fed up with me (and fair enough).

      • Techefy on 15/10/2022 - 11:36
        +1

        Thanks for the info mate

      • SydOzber on 21/10/2022 - 23:29

        Hi mate, any workarounds on how to get HSBC card working for multiple transactions ? I was trying to split pay three gift cards in multiples of $99 and went through ok.

        Tried to get another 2 gift cards soon after and when I tried paying the $99 the transaction got declined. Luckily, had my wife's HSBC card and that went through ok.

        I'm suspecting its due to multiple $99 charges on my account. What is everyone doing - change amounts for every transaction ?

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