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2000 Bonus Flybuys Points (Worth $10) on $100 & $250 Coles Mastercard Gift Card ($5 & $7 Fees Apply) @ Coles

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2000 Bonus Flybuys Points (Worth $10) on $100 & $250 Coles Mastercard Gift Card ($5 & $7 Fees Apply) @ Coles
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HamBoi69 on 15/03/2024 - 11:00 coles.com.au (1098 clicks)

Full credit to FreePoints

Next week's upcoming Coles gift card deal!

Bonus 2,000 Flybuys points on $100 and $250 Coles Mastercard gift cards

Limit 5 Gift Cards per Flybuys account. Offer valid from 20/3/24 to 26/3/24 and only available 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. To quality for this offer you must present your Flybuys card at the time of purchase. While stocks last, no rainchecks. BONUS POINTS can be awarded more than once for each Gift Card type including different denominations of the same Gift Card but can only be collected up to 5 times per Flybuys account. Gift Cards can't be used to purchase other Gift Cards at Coles. Standard Flybuys terms and conditions apply and are available at Flybuys.com.au. Coles Mastercard gift cards are issued by Heritage and People's Choice Limited trading as Heritage Bank ABN 11 087 651 125, AFSL/ACL No. 244310 pursuant to a license from Mastercard International Incorporated. For Coles Mastercard Gift Card Terms of Use and Conditions, go to www.colesmastercardbalance.com.au.

Enjoy!

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Comments

  • lufee on 15/03/2024 - 11:04
    +3

    Have they fixed the issue of increasing your targeted offer if you make a purchase?
    I had to wait almost a year to return to spending $50 a week, haha

    • samfisher5986 on 15/03/2024 - 11:16
      +11

      Why would they fix something they specifically designed to make the more money?

      • Bdawg on 15/03/2024 - 11:18

        It's not really appropriate/effective. If it were they could just hit every account with a 'spend $1,000,000 a week for 4 weeks to get 12 points' offer.

        • samfisher5986 on 15/03/2024 - 11:36

          They average your spending over X months and then give you a dollar figure above that to get you to increase your spending to get the reward.

          • Bdawg on 15/03/2024 - 11:38
            +2

            @samfisher5986: I'm aware of that. But a one of burst of $2000 worth of discounted giftcards shouldn't factor in to your average spend.

            • samfisher5986 on 15/03/2024 - 11:41

              @Bdawg: I don't see why not, they want you to buy more gift cards too.

              I understand you want to find a loophole in the system but they want you to spend more money.

              • Bdawg on 15/03/2024 - 14:05
                +1

                @samfisher5986: You're simply not comprehending. Artificially boosting the spend requirement of someone who spent a mass on gift cards is not going to slowly boil the frog.

                • samfisher5986 on 15/03/2024 - 16:12
                  -2

                  @Bdawg: I think Coles would know how to get people to spend more money more then you do.

        • doobey1231 on 15/03/2024 - 11:39
          +2

          Its not about preventing people from getting points, its about enticing that "little bit more" thought process in our mind.

          Get rewarded for spending $50 on a weekly shop, spend $80, great stuff! free money who doesn't love that.. Next week Coles updates the next promo to say "get rewarded for spending $100 on a shop". Your usual shop is still $80, but now you're thinking hey only $20 more and I can get those bonus points. So they have effectively upped your spend by 20 bucks by giving you that carrot at the end of the stick.

    • Geewhizz on 15/03/2024 - 11:23
      +1

      They're not going to do that. They want you to spend money. It took me something like 8 or 9 months to get my required spend back down to $50 from $140. I missed out on a fair few points during that time, but it was worth it to bring the spend back down.

      Your best solution might be to get another card for things like this.

    • coxymla on 15/03/2024 - 13:08
      +1

      Get another phone number from one of the amaysim cashback deals and sign up a second flybuys number for deals like this.

      You can convert the bonus points to flybuys dollars straight away and spend them at Coles/KMart/Officeworks/Target.

      • tbone74 on 15/03/2024 - 13:58
        +2

        Don't need another phone number. Just another email address.

  • Silmo on 15/03/2024 - 11:36
    +4

    Great timing, this could be a backup to reach the spending limit of new credit card :D

  • Davelovesdealz on 15/03/2024 - 11:50
    -1

    who is doing this after this week's vanilla gift cards….

  • Dark Zeus on 15/03/2024 - 11:54
    +10

    Hi,

    Just checking -

    For $100 + $5 fee + 2000 points ($10) = $105.00 ($5.00 profit)
    For $250 + $7 fee + 2000 points ($10) = $253.00 ($3.00 profit)

    Correct?

    • HamBoi69 on 15/03/2024 - 11:58
      +2

      Yes.

    • aaron3 on 17/03/2024 - 02:00
      +1

      Hang on I don't understand this. What are you saying is $253? I understand the deal as you paying $257 to receive a $250 Mastercard and $10 worth of flybuys points (if redeemed for dollars). Or paying $105 to receive a $100 Mastercard and $10 worth of flybuys.

      • Dark Zeus on 18/03/2024 - 21:31

        Purchase either $100+$5 fee or $250+$7 fee, you will get 2000 Fly Buy points respectively.

        • tatnal on 18/03/2024 - 23:12

          Is that 2000 flybuys points per $100/$250 giftcard up to 5 per account? So 10,000 flybuys points per card?

  • Xishnik on 15/03/2024 - 12:01
    +1

    Better off buying the current Visa cards.

    • HamBoi69 on 15/03/2024 - 12:22
      +3

      Yeah sure. For those in NSW and the ACT. Not for anyone else though.

      • Xishnik on 15/03/2024 - 12:24

        Oh true. I forgot the Visa deal was limited to those states only.

    • Bigboy97 on 15/03/2024 - 17:57

      That’s assuming you can bloody find any… still no luck after checking about 10 stores over the past few days

      Quite a few $100 but no $250s

  • JIMB0 on 15/03/2024 - 12:02

    Just in time to pay fees before the census date.

  • mrvaluepack on 15/03/2024 - 12:11

    Can these be used with ATO bills? I know there was some issues, have they fixed this yet?

    • SmiTTy on 15/03/2024 - 13:01
      +2

      I used these for ATO payments in the previous deal (giftcard portal) only a couple weeks ago… Unless they've changed it since then.

      • Brakus on 15/03/2024 - 13:59
        -1

        who do people keep paying the ATO? I do not understand this

        • SmiTTy on 15/03/2024 - 14:13
          +2

          For personal - either related to quarterly payments (eg payg instalments) or just income tax that is put on a payment plan

          I use payment plans to spread out the payments so I can wait for gc sales like this.

          • Brakus on 15/03/2024 - 16:37

            @SmiTTy: this is actually a smart idea

          • jobargain on 15/03/2024 - 18:31

            @SmiTTy: That's only for self employed right? I'm on PAYG and my taxes already taken out each pay

            • SmiTTy on 15/03/2024 - 18:55
              +2

              @jobargain: PAYG instalments can also be for employees. Sometimes you have other income (eg bank interest, dividends, capital gains, rental) that you need to pay tax on and that's only calculated at end of year. You end up having a bigger tax bill (if no other deductions) so you'll get slugged with a tax bill then.

              But because of that, the ATO doesnt want you owing a big tax bill the following year so they ask you to pay an amount quarterly for the next year. You can of course vary this amount or tell them that your income won't be as much and not have to pay it.

              The net is.. Its still a thing =(

        • WookieMonster on 15/03/2024 - 14:18
          +2

          Another explanation is voluntary HELP loan repayments (e.g. HECS debts).

          • Poor Ass on 15/03/2024 - 16:52

            @WookieMonster: kind of sucks after they got rid of the 10% and 20% discount when making bulk reapayments

        • Frozensage on 15/03/2024 - 16:08
          +1

          BAS every quarter

    • danielh on 11/04/2024 - 20:50
      +2

      If using the $250 card for ATO payments, enter in $249.50 as 50c will be the card fee which is tax deductible (if you care to claim it).
      If you are someone who has BAS or like me and are on a PAYG Installment program, you have to pay a predefined dollar amount each quarter as a sort of prepayment of anticipated tax. This is why some OzBargainers go a little crazy on these cards as we can use them to pay our quarterly ‘taxes’ with them at a 10% discount.
      It’s also good for those credit gift cards with odd amounts left in it and you cannot be stuffed trying to use it.

  • borgainerz on 15/03/2024 - 15:08
    +3

    I can't freaking believe they're charging an activation fee….

    • Poor Ass on 15/03/2024 - 16:47
      +7

      you must be new here

      • Brakus on 15/03/2024 - 18:25

        His name is an amalgamation of beginner and bargain

        • alidli on 15/03/2024 - 19:47
          +1

          Is yours is an amalgamation of brother and cousin? ✋

        • rokufan on 15/03/2024 - 22:28

          borgainerz = bargain + organizer ?

  • Ezio on 16/03/2024 - 01:13
    +2

    Will be stacking it with the CommBank offer, thanks.

    • rekke on 16/03/2024 - 13:18
      +1

      Thanks for sharing , have this too

    • cyansea on 16/03/2024 - 14:31

      my CommBank offer said Offer excludes voucher codes, gift cards and coupon deals. Sad

      • dumdum2 on 16/03/2024 - 16:50
        +2

        They don't know what you're buying, they can't enforce that

      • Ezio on 16/03/2024 - 20:29
        +2

        Don't worry, buying gift cards work.

      • rekke on 20/03/2024 - 15:28
        +1

        As far as I know, CBA does not have access to your Coles receipt

  • ilovefullprice on 16/03/2024 - 02:40

    Thanks OP.

  • simba-au on 16/03/2024 - 07:29
    -1

    not worth the effort when you have money in offset or TD earning more…

    Truely waste of time.

    Much better when they do 10% discount that is 7.3% net saving after deducting fee on $250 card.

    • Gmaster on 16/03/2024 - 08:12
      +4

      Not a waste of time if someone is building up their Velocity points to redeem for international Business Class flights. It all adds up.

  • cocomelon on 16/03/2024 - 09:51
    +4

    7.3% is instant savings, while mortgage offset is annual interest rate. If you have regular payment like council, water, phi you can reap your saving straight away.

  • ozbargainerlife1 on 17/03/2024 - 16:55

    is it 5 per day or 5 per week for one flybuys?

    • bigspike on 17/03/2024 - 18:21
      +1

      Deal says 5 per account. As in total.

  • cyan00FFFF on 17/03/2024 - 20:41

    Just checking, for in-store purchases these cards just require swipe + PIN, right? Or are they no PIN like the Vanilla ones?

    • SnoozeAndLose on 17/03/2024 - 20:43
      +2

      swipe + PIN

    • Gmaster on 18/03/2024 - 12:03

      swipe + no pin + signature for me.

      Some terminals required me to press 'credit' and when it prompts for a pin, just press okay.

    • WookieMonster on 18/03/2024 - 13:17
      +1

      These prepaid gift cards can redeemed in-person by swiping and then entering a PIN (if prompted for one).

      You can set a PIN the first time you are prompted for one at an EFTPOS terminal, and you can choose any four numbers as the PIN. Once the PIN is set, you need to use the same four numbers every other time you are asked for a PIN.

      If no PIN is set, you can opt for signature verification instead (much like a Vanilla Visa gift card).

  • atapajosj on 18/03/2024 - 18:03
    +2

    Some people complaints about the $5 fee for $100 Coles Gift Card.
    I'm happy to pay $5 per 1000pts velocity and use for flights. There is an offer now giving 30% discount if you buy the same points straight from the velocity website but the cheapest you can get is $24.30 per 1000pts velocity.
    I've just redeemed return flights 29/12 x 02/01/25 Perth - Sydney. High Season. Going to take the family to watch the fireworks. I used 14.100pts each way + $75fee. If I paid $5 per 1000pts, like the promotion, the flight costed me $150 each way included bags and seat selection.
    It's bargain or not?

  • trueozbargainer on 20/03/2024 - 00:23
    +1

    do these cards still easily get compromised? or have they fixed it?

    • JIMB0 on 20/03/2024 - 11:05
      -1

      I got one this morning that had $5 missing.

      • nightelves on 22/03/2024 - 23:16

        Why would they not take $100? That’s so random.

  • SabreTooth23 on 20/03/2024 - 01:36

    Sorry if already asked but can i use my 100$ vanilla gc to buy the 100$ coles gc? Will coles allow it?

    • WookieMonster on 20/03/2024 - 07:46
      +2

      I am assuming you have a Vanilla Visa gift card purchased from Coles (and not Woolworths)? If so, that will probably not work.

      • Coles updated their checkout systems in October 2022 to automatically block you from using a Vanilla Visa gift card as a payment method for Coles Mastercard gift cards. You should see an Invalid Product Mix error pop up on the EFTPOS terminal as soon as you swipe a Vanilla Visa gift card.

      • If Coles unblocked this for some reason in the meantime, the next issue is that since you are over the threshold for PIN verification (~$35), Coles will ask for a PIN for a $100 purchase from a Vanilla Visa gift card. Considering Vanilla Visa gift cards (at least the ones from Coles) cannot support PIN verification, you need to go through the signature verification process. Coles is a merchant that actually asks for your signature and then gets staff to compare the signature provided against the signature on the card you are trying to use (and maybe also your signature on any ID you have on you). In other words, Coles would ask staff to decide whether they will allow you to use a Vanilla Visa gift card. You will run into problems if the staff member serving you has no idea about signature verification (which to be fair was phased out in most circumstances in Australia in 2014), or does not feel comfortable with signature verification, or decides that you cannot use a Vanilla Visa gift card to purchase a gift card, etc…

      • rokufan on 21/03/2024 - 16:28

        PIN verification for $35+ transactions? Is that all gift cards or only Vanilla Visa gc?

        • WookieMonster on 21/03/2024 - 20:43
          +1

          For refund transactions, you always need to enter a PIN (even if you tap a card from your mobile wallet).

          For purchase transactions:

          • If you swipe an eftpos card, you always need to enter a PIN.

          • If you swipe a Visa card, you should only be asked for a PIN for purchases over $35. I have experienced this with Vanilla Visa gift cards, Activ Visa gift cards, and OnlyONE Visa gift cards.

          • If you swipe a Mastercard, I think the threshold is now $0. I went to redeem the last 60c from a Coles Mastercard gift card a couple of months ago at Coles, but as soon as I swiped, I was asked for a PIN.

          • If you tap a physical card, you should only be asked for a PIN for purchases over $200 (unless you have a Mastercard, where the threshold should now be back to $100).

          • if you tap a card from a mobile wallet, you should not need to enter a PIN at all.

          • rokufan on 22/03/2024 - 00:48

            @WookieMonster: Is this your day job? lol

            Thank you!

            • WookieMonster on 22/03/2024 - 13:33
              +1

              @rokufan: It is not. It is simply what I have observed over the years.

              I should have also mentioned the comment above is only applicable at Coles. Different merchants seem to have different rules on PIN thresholds when swiping a card. For example, I once swiped a Visa card at Woolworths for a $0.02 purchase transaction and was asked for a PIN.

      • browser on 23/03/2024 - 21:14

        Can you pay for it using a Coles Master Gift Card? Does the POS know it's a gift card, not a regular Mastercard?

        Say first buy a $250 one (pay $257, gain 2,000 points)

        Then use the same card to pay for 2 x $100 ones (deduct $210, gain $200 and 4,000 points)

        So, total spend: $257, value in cards: $247, total points: 6,000 ($30)

        • WookieMonster on 24/03/2024 - 17:42

          No, this was blocked sometime in 2022. I last tried it in June 2023, but as soon as I swiped the card on the EFTPOS terminal, I triggered an Invalid Product Mix error on the EFTPOS terminal, plus a message popped up on the checkout screen basically saying “you cannot use a gift card to purchase items in this transaction”.

          Coles has programmed their checkouts to detect whether you are trying to use a Coles Mastercard gift card or Coles Gift Mastercard or Vanilla Visa gift card or a gift card issued by Coles Group when you are purchasing a Coles Mastercard gift card. It is quite straightforward for them to tell those cards apart from a Commonwealth Bank debit card, American Express credit card, NAB debit card, etc.

          • browser on 26/03/2024 - 09:58
            +1

            @WookieMonster: Thanks for confirming.

            It actually makes sense that they don't allow split payments when there are gift card type products in the basket, due to ambiguity of which part payment is paying for what.

            Much better to flag it straight away than detecting a prepaid card payment method mid-flight.

  • Gmaster on 20/03/2024 - 09:32
    +5

    Can confirm this method works:

    I purchased 5x$100 with my Flybuys account, and 5x$100 with my wife’s Flybuys account, using my AMEX credit card.

    I then spent those Coles Mastercard Gift Cards at Woolworths on other gift cards (Uber, TCN Restaurant etc).

    Came to a grand total of 21,838 frequent flyer points (a mix of Velocity + Qantas).

    21k+ points for $50 worth of activations fees in my books is worth doing. Pretty minimal effort for money I’m going to spend anyway.

    • capslock on 20/03/2024 - 10:00

      I had to go to 3 stores to find 10 cards so I had to put in a bit more effort. Fair reward for an hour's work.

      • Gmaster on 20/03/2024 - 10:21

        I had the same thing happen back in January. The $100 variants were almost impossible to find across three Coles stores. Arrived at 7am this morning before work. Fully loaded hook ✅

      • Dolapsap on 20/03/2024 - 16:17

        Was lucky and found the last 5x $100 GCs this morning at 7:05am at the local Coles near work. Another couple had just asked the employee to look for these as they were not on display and they got the first 5x $100 GCs.
        The worker thought they normally had heaps of these… maybe customers had pre hidden them?

    • googoogaga on 20/03/2024 - 11:03

      Great strat, you could consider holding it for a week to go with TCN Him as I find it more useful for my needs. TCN Gift only being $50 is killer for me, don't want to deal with that many cards

    • elecpurch on 20/03/2024 - 11:43

      Did you get your Flybuys points already?

      • henrikoez on 20/03/2024 - 14:27
        +2

        flybuys usually gets updated around 4:30pm the following day, not instant like everyday rewards.

    • jimwh on 20/03/2024 - 12:08
      +4

      You forget to buy supermarket activ card which give you another 2.2% saving…

      • nightelves on 20/03/2024 - 12:46

        Wait where is this?

        • jimwh on 20/03/2024 - 13:13

          shopback

      • rokufan on 20/03/2024 - 22:55

        Any reports of staff refusing to let people pay with supermarket gift card for other gift cards?

        • HopSkipJumpFallSplat on 20/03/2024 - 22:57
          +2

          How would staff even know?
          Split payed 4 Coles MC's today with 4 SB supermarkets Activs.

          • rokufan on 20/03/2024 - 23:20

            @HopSkipJumpFallSplat: Nice. I'll give it a go.

            • MrAppropriate on 20/03/2024 - 23:26

              @rokufan: Reading the description of how to activate the supermarket Activ card,
              It looks like you can load it in your wallet. Then just tap with your phone.
              Staff won’t know any better, if they even cared.

          • MrAppropriate on 20/03/2024 - 23:23

            @HopSkipJumpFallSplat: Is there a reason why you purchased 4x SB supermarket cards and not higher value ones.

            I’m think of purchasing a $300 activ card and a $200 activ card

            • HopSkipJumpFallSplat on 20/03/2024 - 23:25
              +2

              @MrAppropriate: I had 4 $100 SBs as I'd used $100 Coles MCs to buy em.

              $300 and $200 Activs will put you over the silly $400 transaction limit, you'd have to wait 10mins for the last card.

              • MrAppropriate on 20/03/2024 - 23:31

                @HopSkipJumpFallSplat: Sorry the $400 limit?

                • HopSkipJumpFallSplat on 20/03/2024 - 23:33
                  +2

                  @MrAppropriate: Activ visas are limited to $400 in a transaction, so trying to split pay with 300 and 200 goes over, so grab 4 at time if using Activs, going to a different terminal won't work for the last 100 either, just wait 10mins, then you can do another $400 again.

                  • MrAppropriate on 20/03/2024 - 23:35

                    @HopSkipJumpFallSplat: Ok.
                    Thanks heaps for the tip

                  • rokufan on 20/03/2024 - 23:56

                    @HopSkipJumpFallSplat: Are you using a self or staffed checkout? I was told purchases of $200 in gift cards required staff approval.

                  • tonester on 21/03/2024 - 19:16

                    @HopSkipJumpFallSplat:

                    Activ visas are limited to $400 in a transaction

                    it's now actually at least $450

                    going to a different terminal won't work

                    different meaning service desk vs self-checkout vs manned?

                    • HopSkipJumpFallSplat on 21/03/2024 - 19:18

                      @tonester: 450 now, ok, thats better but still silly.

                      different meaning service desk vs self-checkout vs manned?

                      In the past, once the limit was reached, 10mins had to be waited for ANYONE else who tried to use an Activ visa in same store, may have changed, its been a few months.

                      • tonester on 21/03/2024 - 19:33

                        @HopSkipJumpFallSplat: no, different terminal was fine last September, and possibly also this January

                        • test8888 on 22/03/2024 - 01:48

                          @tonester: true.
                          I've tested to pay by 2 phones over $500 in one transaction is fine.
                          one phone over $400 on 2 POS also fine.

                          • tonester on 22/03/2024 - 12:48

                            @test8888: thanks, good to know when there’s 20x points instead of 10% off gift cards :)

                            so you also spent over $400 each on 2 POS within 10min?

                            • test8888 on 22/03/2024 - 16:16
                              +1

                              @tonester: I specially tried today :)
                              spent total $495 from one wallet in 3 transactions on 1 POS, all good.

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