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

        • samehada on 21/10/2022 - 23:41
          +1

          The only workaround is "time". You can alternate tap and pay b/w your card and your wifes card with different amount. System usually decline after like 7-8 taps per day.

          And you also need to tap from Google Pay/Apple Pay to avoid Least Cost Routing.

          And after 3-4 taps Google Pay will give you error that you need to get out of the app and go back in again to get it to work.

          • SydOzber on 21/10/2022 - 23:58

            @samehada: Thanks mate, much appreciated.

          • SydOzber on 22/10/2022 - 00:30

            @samehada: Hi again, I've added it to Apple pay and unlike Hiver, I don't see an option for the user to select between Visa/Eftpos.

            I'm lucky all the transactions I made today were eligible for cashback(assuming it's categorised as Visa) and I've already received the bonus.

        • WookieMonster on 21/10/2022 - 23:49

          The only workaround is patience. Tapping your card multiple times in a short period of time can be an indication of someone trying to fraudulently use your card. I mean, if you accidentally dropped your wallet/purse and someone dishonest picked it up and lifted your HSBC card, the first thing they would probably do is go to a store and tap-and-go as many transactions as they can before the card issuer (or you as the cardholder) block the card.

          I would also be careful with HSBC and the 2% cashback offer and this deal, as HSBC have written in their cashback terms and conditions that they will not provide cashback to you if they think you are not acting "within the intent and spirit of the cashback offering". (Refer to page 12 of the terms and conditions.) They could determine you are "abusing" the offer by putting through multiple $99 transactions in a short period of time to get around the $100-per-transaction limit. I'm not sure whether this is something that has actually happened to someone before, but it wouldn't overly surprise me if this has happened in the past…

          • SydOzber on 21/10/2022 - 23:57
            +1

            @WookieMonster: Thanks mate, much appreciated.

          • t25 on 22/10/2022 - 00:31
            +1

            @WookieMonster: I was warned by ING previously (back in the days of 5% paywave), in fact I was even booted off the promo verbally but my transactions still went through with cashback.

            Also got a warning for making too many $200 withdrawals/day ($2200/day in $200 blocks)

    • shoppe on 15/10/2022 - 12:16

      You can buy the $100 ones, no need to split. But only one at a time.

      • Techefy on 15/10/2022 - 12:32
        +3

        hsbc wants us to pay less than 100$, i.e. 99.99. So….

        • HereToSave on 15/10/2022 - 12:47

          Yeah you have to split it. It does work. If you’re buying the $100 you may as well get the $250 as it’s already at about 7%

        • Techefy on 15/10/2022 - 17:52

          thanks all

          • shoppe on 15/10/2022 - 19:08
            +3

            @Techefy: 🖐️ $100 + $5 =$105 *0.9 = $94.50

            The $100 card costs only $94.50, no need to split.

            If only the $100 cards are available, you basically get the same discount, using the HSBC 2% back.

            • Techefy on 15/10/2022 - 19:40

              @shoppe: Oh man, thanks for that, I was in the mindset of cashbackking 😄

          • capslock janitor on 19/10/2022 - 10:23

            @Techefy: Let us know how u go w the splittin

    • souths123 on 15/10/2022 - 13:19

      sure you can, just select amounts just under $99 on the first two payments. I used mixed payment all the time to get my 5 card payments out of the way for ING (I do 5 x $0.01)

      • Techefy on 15/10/2022 - 17:51

        Thanks, just wanted to know whether splitting is allowed with gift card purchases

        • souths123 on 15/10/2022 - 19:36

          I can't see it would be any different to other purchases

  • drhip on 15/10/2022 - 11:05
    -1

    Can you use these to BPAY your own account?

    • CyberMurning on 15/10/2022 - 11:09
      +1

      Well if you have regiatered for bpay then maybe? I mean are you a business ?

      • drhip on 15/10/2022 - 11:10

        Not at all :(

        • CyberMurning on 15/10/2022 - 11:16
          +7

          Then you misunderstood what is bpay

  • mrvaluepack on 15/10/2022 - 11:19

    Thanks, just in time to pay my ato tax bill.

    • peteryoung on 02/11/2022 - 08:42

      It appears the card issuer may have blocked ATO ? Have been paying every day for the last 5 days but it’s declined today?

      • mrvaluepack on 02/11/2022 - 09:50

        Ooo intersting. I completed all of my 100+ cards already.

      • daanish on 02/11/2022 - 10:17

        I think this might be correct. I was about to finalise my ATO payments today and both through the ATO login and the Gov EasyPay my cards are being declined.

  • pepsicles on 15/10/2022 - 11:26

    Can you use these on been it for bpay?

  • [Deactivated] on 15/10/2022 - 11:30

    Good timing for the Pixel 7 Pro/Optus deal.

    I normally wouldn't, but it'd be an easy $70 saving!

  • USER DC on 15/10/2022 - 11:53
    +2

    Exactly What I needed to pay my taxes, good on me for not having paid my taxes in full yet.

    And ready to spend all so not much chances of getting hacked hopefully.

    • Poor Ass on 15/10/2022 - 13:54

      Cc surcharge right?

      • USER DC on 15/10/2022 - 16:04

        Still better than paying direct cash

      • Yola on 15/10/2022 - 21:44

        The surcharge to ATO is only 50c for $250 card, well worth it and less than for CC's.

        • peteryoung on 02/11/2022 - 08:41
          +1

          It appears the card issuer may have blocked ATO ? Have been paying every day for the last 5 days but it’s declined today?

  • zah on 15/10/2022 - 12:24
    +2

    Can you call and block these until you’re ready to use them? With the old grey-colour cards, you could.

  • fauxtographies on 15/10/2022 - 12:34
    +1

    Can you buy these using a credit card, or will it count as a cash advance?

    • Master Bates on 15/10/2022 - 12:36
      +2

      It will show up as a regular Coles purchase, your CC provider won’t know what you bought.

      • fauxtographies on 15/10/2022 - 12:36
        +1

        Many thanks!

      • sh4hp on 15/10/2022 - 13:55

        Does that work for cash outs at the counter as well, or that is a cash advance?

    • daanish on 15/10/2022 - 12:43
      +2

      As far as your credit card is concerned you spent x dollars at Coles. They don't know if you bought cards from this deal, groceries, laundry supplies or anything else so it won't be a cash advance.

  • hawkeye93 on 15/10/2022 - 12:41
    -3

    Last time I bought these, i loaded them to Transferwise and then withdrew to my bank account. Easy peasy and much safer than leave it there to be hacked.

    • daanish on 15/10/2022 - 12:44

      Didn't a few people have issues doing this? I think it was a case of it worked for a couple of cards and then there was a lockout period or subsequent cards weren't accepted by Transferwise.

    • capslock janitor on 15/10/2022 - 15:27

      how load to TW?

      • CyberMurning on 15/10/2022 - 15:28

        Means transfer or pay your own tw account

  • Ash-Say on 15/10/2022 - 13:04
    +4

    Really missing Hiver cashback.

    Recently signed up and lasted only 1 month.

  • Peck on 15/10/2022 - 13:08

    I've been lucky not to have the MC Gc's hacked.
    Re scams; I wonder whether the Indian Call centres are aware of these Gc's! Tiktoc has them asking for Target GC's but poss. 'Target USA'.
    Those who had cards hacked - were you able to determine how long it was after your purchase?

  • Davelovesdealz on 15/10/2022 - 13:14

    Can I use these to pay a credit card bill?

    • capslock janitor on 19/10/2022 - 13:11
      -1

      i wanna know too
      such as BPaying the CC statement, etc
      edit - seems like not online /

      how about paying it at the postie??

  • zelliot on 15/10/2022 - 13:22

    Can I use multiple of these to pay a tax bill?

    • Slo20 on 15/10/2022 - 13:48

      Yes. ATO accepts these.

    • WookieMonster on 15/10/2022 - 13:58
      +7

      You can only redeem a maximum of 5 cards per day on the ATO online portal, although you can redeem another 5 cards per day via the Government EasyPay portal.

      The ATO charges a 0.2% surcharge for payments from these Coles Mastercard gift cards, so the maximum amounts you can send are:

      • $99.80 from a $100 Coles Mastercard gift card
      • $249.50 from a $250 Coles Mastercard gift card
      • zelliot on 15/10/2022 - 14:20
        +1

        Thanks for that! I think I'm going to give this a go (if I can find any cards LOL).

      • mmd on 15/10/2022 - 15:28
        +1

        Any tips on how to get rid of the remaining balance if it's less than $1?
        https://www.ozbargain.com.au/node/729382

        Colesworth?
        Greater than $1 - buy amazon giftcards

        • Miss B on 15/10/2022 - 15:36
          +5

          Split payment at supermarket

        • 90percent on 15/10/2022 - 16:44
          +1

          If I'm not wrong, the remaining 20c/50c would go towards the surcharge and there would not be a remaining balance if you are paying the ATO

      • SydBoy on 16/10/2022 - 13:48

        hi, can we use this one to pay centrelink debt ?

        • WookieMonster on 16/10/2022 - 14:04

          No idea!

        • daanish on 25/10/2022 - 11:17
          +2

          In case anyone else is searching this or if OP never tried, yes - can use it to repay a Centrelink debt and surprisingly the Centrelink payment portal didn't charge any additional card fees so it was a straightforward $250 card pays off $250 of debt.

          • SydBoy on 25/10/2022 - 13:57

            @daanish: thanks, it did work for me as well…. i tried later but forgot to put it here. … i had collected centrelink debt for over 3 years and sorted all out now.. with 7% discount as well… !

            i was going to pay $100 per month to the suckers forever but then decided to keep it clean as i wasn't sure if it impact my credit rating as i was trying look for property in next year (if i can afford obviously).

  • tc423 on 15/10/2022 - 13:34

    can you purchase these cards with visa/mastercard giftcard?

  • Poor Ass on 15/10/2022 - 13:53

    Time to go treasury hunting these hidden gift cards in the freezer isle

    • sh4hp on 15/10/2022 - 13:57
      +1

      For you to know this…. Either you've hid it there or you've found it there!

      • Poor Ass on 15/10/2022 - 14:00

        Nah it's well known to be Ozbargain's favourite hiding spot in Coles

  • mt2000 on 15/10/2022 - 14:01

    Thanks OP

  • lonewolf on 15/10/2022 - 15:11
    +3

    Umm, I am shocked. So there is a pattern of some of these cards getting hacked and Coles hasnt fixed the issue or more importantly, havent come to the party with a quick and efficient method of refunding / providing replacement credit / cards to the customers with hacked cards. If its a known issue, Surely they are liable to fix the problem.. Surely they cant be selling a product with the idea that a certain percentage of cards will be hacked and the customer has to take that risk everytime they buy the card?

    • lastdawn on 15/10/2022 - 15:26
      +1

      not only that, Ozbargain shouldn't be promoting these kind of deals or allowing these deals to be posted. For new members, this leaves a bad impression that deals are being advertised here that will result in hassle & stress.

      • lonewolf on 15/10/2022 - 15:29

        Yes thats true, especially if its a known issue that the company hasnt really resolved and even worse paid back the customers that were rorted.

        • capslock janitor on 15/10/2022 - 15:47

          what percentage gets hacked?

          • cwongtech on 15/10/2022 - 16:06
            +4

            @capslock janitor: First time compromised from my sample size, 3% (from combined 100 cards)
            Second time compromised, 15% (from 20 cards)

            Seems like it's getting higher.

      • Matt P on 15/10/2022 - 22:30

        Same could be said for EDR points offers. Such a high rate of fraud in that program

        • lastdawn on 16/10/2022 - 08:22
          +1

          Id say based on what Ive been reading EDR points are being refunded if youve been hacked? Ie. Woolworths is taking responsibility

        • lonewolf on 17/10/2022 - 13:06

          OH really? I didnt realise EDR accounts were being hacked.

    • thekensai on 15/10/2022 - 16:01
      +3

      probably coles isn't in the position of 'fixing' this shit? i assume any prepaid cards, no matter sold by coles woolies or aldi would be hacked the same way? the way i see it, visa/mastercaed got to stop this fiasco of letting prepaid cards be used online without the cvc

      • lonewolf on 15/10/2022 - 16:04

        True, although Coles being the retailer / name on the card, its up to them to put pressure on their supplier to fix the issue. We cant really contact Mastercard to fix it as its a Coles provided card. At least thats usually what i have been told in terms of rights of the customer. You need to contact the seller and its up to them to resolve the issue for you and then work it out with their supplier.

  • Ash-Say on 15/10/2022 - 16:19

    Mount druitt store has none left. Probably also hidden somewhere.

    • maverick1 on 16/10/2022 - 22:05

      No stock left in Roselands either.

  • ilovefullprice on 15/10/2022 - 16:31

    Can Flybuys dollars be used on these?

  • FOX on 15/10/2022 - 16:49
    +1

    My local’s $250 ones already all “disappeared” lol, only the $100 ones left.

    • USER DC on 15/10/2022 - 18:46

      probably for a good reason aka staff to put them aside behind counter hopefully

    • Tleyx on 16/10/2022 - 00:27

      Did you ask for a raincheck?

  • nsingh21 on 15/10/2022 - 16:54
    +2

    Can Coles gift cards be used as a payment method to buy these Mastercard gift cards?

    I have successfully done it in Woolies, never tried at Coles.

    • toobzy on 15/10/2022 - 22:55

      How did you do it in woolies?

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