No Purchase Fee on $100 & $250 Coles Mastercard Digital Gift Cards @ GiftCards.com.au

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No Purchase Fee on $100 & $250 Coles Mastercard Digital Gift Cards @ GiftCards.com.au
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VantageXL on 03/09/2025 - 09:03 giftcards.com.au (2615 clicks)
Last edited 03/09/2025 - 12:07 by 2 other users

Terms and Conditions apply. No purchase Fee on $100 and $250 digital Coles Mastercard’s. Excludes $50 Coles Mastercard. Offer available from 3/9/2025 9am. Offer ends 9/9/2025 5pm. Offer only available from giftcards.com.au. Maximum order value $2,500. One order per customer per day. Can only be used for Online purchases only. Cards may take up to 24 hours to activate. Purchase fee will be deducted from total invoice cost. The Coles Mastercard® Digital Account is issued by Heritage and People's Choice Limited trading as Heritage Bank ABN 11 087 651 125, AFSL/ACL No. 244310 pursuant to licence by Mastercard International Incorporated. Card usage is subject to the Terms and Conditions available at www.mybalancenow.com/#/cardholderAgreement. Card is not redeemable for cash. Card cannot be replaced if lost or stolen and funds remaining on card at expiry will not be refunded. No order refunds provided. Refer to the ordering gift card T&C’s. Refer to individual gift cards for T&C’s We reserve the right to cancel any or all promotions at any time if we suspect error, fraud or any other abuse of the promotion is occurring. For full terms and conditions click here

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Comments

  • pgsheng on 03/09/2025 - 09:12
    +4

    Does this still work with ATO?

    • Asti on 03/09/2025 - 09:30

      I notice people ask this a lot, what is benefit of paying the ATO with this as opposed to using EFT or Bpay?

      • illusion99 on 03/09/2025 - 09:31
        +15

        Credit card points. Esp if you’re using an Amex to buy the gift cards

      • Poor Ass on 03/09/2025 - 09:34
        +11

        as it is a debit prepaid card and ATO got rid of surcharge on debit card you make a payment / prepaid to your tax account

        effectively if you have a rewards program you earn points on your credit card and you are also able to make a payment to the ATO for your tax debts without a surcharge

      • digitalane on 03/09/2025 - 10:23
        +2

        yep points and no fees

      • browser on 03/09/2025 - 10:24
        +3

        Certain payments are also eligible to earn interest (IEP) when made more than 14 days before they are due (interest is taxable).

        Example: income tax is eligible, PAYG is not.

        Interest rate for FY26 is 3.78%, scroll down to see calculation.

        (Brought this up in case you are weighing between money in the bank to earn interest or spend for reward points.)

      • GardenGnome on 03/09/2025 - 10:34

        GST/ATO refund scam? Anonymous payment method not linked to identity?

      • pandadude on 03/09/2025 - 14:21
        +1

        Higher point rewards. Some cards don't even give points payment to ATO. Lower surcharge. Your be charged the debit card rate instead of credit card.

      • Fuzor on 03/09/2025 - 16:39

        And of course you get negged for asking a question here

        • browser on 03/09/2025 - 20:29

          Whenever there's an unjust neg just put it down to negger has a neurological condition that causes uncontrollable clicking on minus symbols.

    • AyTrain on 03/09/2025 - 09:40

      Would like to know this too

    • bargainhunt2020 on 03/09/2025 - 10:11
      +15

      Verified just now. Still works for ATO payments

      • Jstrrrr on 03/09/2025 - 13:27

        Is that via Optus pay (or something) or is there an ATO's own portal?

    • digitalane on 03/09/2025 - 10:23

      it worked last month for me

  • currentfad on 03/09/2025 - 09:17
    +11

    Transaction failed, please contact customer service.

    Same old, just a different day

    • crazy5299 on 04/09/2025 - 13:22

      same here, called both website and bank, they all said not their issue. lol

    • CodeXD on 04/09/2025 - 13:28

      Which payment card are you trying to use?

      • Rocky007 on 04/09/2025 - 13:39

        I used AMEX and bought 10 of these. Worked fine!

  • Bigboy97 on 03/09/2025 - 09:22
    +17

    Feel like the days of 10% off are well and truely gone :(

    Seems the “no purchase fee” and “x Flybuy points” for in store purchases is enough incentive for most.

    • browser on 03/09/2025 - 10:29
      +1

      Yeah, 20x points on Vanilla prepaid debit cards also have not been seen.

    • bumpyhead on 03/09/2025 - 10:50

      yep, missing the good old days :(

    • gimmedealspls on 03/09/2025 - 11:11

      Yep 10% is gone from variable load cards :( Never to come back sadly

    • relentless on 03/09/2025 - 11:18

      I think its their way to incorporated inflation. Similar to reward points losing value.

  • mrvaluepack on 03/09/2025 - 09:24
    -4

    I bet the video below would also apply to these type of cards:

    https://www.youtube.com/watch?v=oBarXDL23hs&pp=ygUQd29vbGllc…

    • TheFreaK on 03/09/2025 - 09:34
      +9

      Probably stop betting since that's for physical cards

    • CodeXD on 03/09/2025 - 09:44

      Are they gonna guess the card number too? lol

    • 0806449 on 03/09/2025 - 09:46

      Watch it last night as well

    • RTY on 03/09/2025 - 09:57

      Won't be that easy to guess https://en.wikipedia.org/wiki/Luhn_algorithm

    • digitalane on 03/09/2025 - 10:24
      +1

      absolutely no correlation at all - different card, different provider!

  • mrfuku on 03/09/2025 - 09:25

    safari with amex worked for 10x, but when I tried to put in another order immediately after failed.

    Will try again in a few hours

    • spaceflight on 03/09/2025 - 10:07

      but when I tried to put in another order immediately after failed.

      Yes that's correct and to be expected

  • Cataclysm on 03/09/2025 - 09:26
    +5

    Why buy this if no discount, and so much risk

    • currentfad on 03/09/2025 - 09:29
      +3

      DEFT / ATO payment but still get CC points. Using the cards on the spot.

      • firestint on 03/09/2025 - 09:33
        -3

        I could be wrong but I thought these don't work for DEFT payments anymore?

        • currentfad on 03/09/2025 - 09:35

          Oh really? If that's the case then it's a good thing my payment failed! Where did you hear this?

          • littlesoldier on 03/09/2025 - 09:51
            +3

            @currentfad: just did a DEFT payment this morning with Coles prepaid mastercard, it gone through

            • firestint on 03/09/2025 - 10:03

              @littlesoldier: OK good to know, thanks!

            • azrof on 03/09/2025 - 10:49

              @littlesoldier: Do you know if you can you use multiple gift cards for a single DEFT payment?

              • littlesoldier on 03/09/2025 - 10:57
                +1

                @azrof: yes you can, but I got one DEFT account being blocked due to too many "prepaid" card transactions
                however, you can just pay DEFT without login, and you can do as many as transactions with different cards

                I just used 10 coles prepaid mastercards this morning to pay DEFT (without login), all went through

                • FatTofu on 04/09/2025 - 07:34

                  @littlesoldier: I don’t understand what is everyone paying for via DEFT?

                  • CodeXD on 04/09/2025 - 07:55
                    +1

                    @FatTofu: Strata, energy locals

                  • littlesoldier on 04/09/2025 - 08:56
                    +2

                    @FatTofu: many property managers and strata use DEFT to collect fees, and the only way to pay these using cards is via DEFT (Zip doesn't accept DEFT biller code for bpay otherwise its a good option)

        • bbqwer on 03/09/2025 - 09:46

          Deft is working

        • browser on 03/09/2025 - 10:30
          +2

          Prepaid Visa no longer works, Mastercard still okay.

        • bird380 on 03/09/2025 - 10:49
          +6

          Remember don’t login to your deft account, otherwise they will block you

    • H3R34TH4C0MM3NTS on 03/09/2025 - 09:30
      +4

      To Access goods (or services) I don't want showing up in my credit card transaction history ;-)

      • whyisave on 03/09/2025 - 11:44

        This is a very good reason :thumbsup:

      • hypnOtixx on 03/09/2025 - 15:40

        Please elaborate heh

        • foxes28 on 03/09/2025 - 15:47
          +2

          OF subscription for example

    • CodeXD on 03/09/2025 - 09:32
      +1

      My deft bill isn't gonna wait till there is a discount

    • chinaman on 03/09/2025 - 10:17
      -1

      Yes! I previously bought a few… And then one was hacked… Ie used.
      Took months to get reimbursed.
      Since that incident have not bought any more.

      • whyisave on 03/09/2025 - 11:45
        +1

        How can it be hacked, when you are receiving the Email with the code, etc. ?

  • Robin2012 on 03/09/2025 - 09:48

    wait 10%

    • Poor Ass on 03/09/2025 - 10:09

      hasn't happen in ages

      • lilfatbum on 03/09/2025 - 10:17
        +1

        has that ship sailed we wonder?

        • bk1973 on 03/09/2025 - 10:25
          +8

          This is the first no-fee on Giftcards.com.au since approximately February. I've gone through two ATO pre-pay cycles hoping it would come up again, but it hasn't. This deal used to come every 6-8 weeks or so like clockwork. Now it's taken 6-7 months since the last one.

    • jlien on 03/09/2025 - 10:29

      Those days are well and truly gone.

      • Neoika on 03/09/2025 - 13:44

        It is possible when RBA's cash rate drops to 2%.

  • notChatGPT on 03/09/2025 - 09:58

    Does Coles/Woolworth have similar offers often? i.e. on Prepaid Visa/Mastercard giftcards.

    • littlesoldier on 03/09/2025 - 10:02

      not lately, coles/woolworths has stopped 10x rewards points offer for variable loads ($20-500) Vanilla Visa / Mastercard since 2025
      only max $100 value ones have rewards points bonus, but has a $5.95 card activation fee
      so they becomes bad deals

      you can see all the "bad offers" since 2025 here (scroll to bottom): https://gcdb.com.au/gc/vanilla-visa/

      • tunzafun001 on 03/09/2025 - 10:15

        Coles was 2 weeks ago..

        $10 of flybuys points but $5.95 fee, or $7 for the $250.

        • littlesoldier on 03/09/2025 - 10:16

          yea that was the only good ones in recent months (apart from the Qantas marketplace 3x points)
          but mostly sold out after day 1 of promo

          • tunzafun001 on 03/09/2025 - 10:18

            @littlesoldier: Approx 250 of each card denomination left over around here .,.. they used to sell out.

            I saw it as a good thing as less people are talking them up (bring back the 10%).

      • notChatGPT on 03/09/2025 - 12:41

        Thank you.

        I actually didn't ask correctly, I meant buying cards from coles/ww without paying the activation fee. I believe there have been some offers in past where one has to pay only the card value.

  • Duckie2hh on 03/09/2025 - 10:02
    +1

    Here we go again….

  • nzcoops on 03/09/2025 - 10:03
    -5

    No fee to turn $100 that can be used anywhere into $100 that can be used in one shop.

    Cool story bro.

    • Oh Daddy on 03/09/2025 - 10:05
      +2

      You won't get it bro

    • littlesoldier on 03/09/2025 - 10:07
      +1

      its great way to earn AMEX credit card points

    • Save 50 Cent on 03/09/2025 - 10:08
      +3

      You can use these anywhere but cool story. Leave them for the rest of us.

      • nzcoops on 03/09/2025 - 10:11
        -2

        Oh yeah fair play, I jumped the gun there.

        Still, it's sad that people think this is a deal when there should never a transaction fee on something like this in the first place.

        • digitalane on 03/09/2025 - 10:26

          saving money is a deal - so if you can buy these with amex, then pay somewhere like ATO with no surcharge, you've saved money! (plus earnt some credit points too)

        • bk1973 on 03/09/2025 - 10:36
          +8

          Let's say you have to pay the ATO 30K a year in PAYG and taxes after filing. You can pay them directly via BPay, sure. But if you were to pay that 30K with these cards and use an AMEX (say one that gives 1.25 Velocity points/$), that would give you 37.5K Velocity points. That's worth something for sure. Can sell that on here for $450-$500 (risky though), or use them for flights.

          Plus if you time it right, you can get a months interest as well on some of that 30K.

          If you don't get this, there's no sense explaining it to you any further, and you can go on thinking that we're all crazy doing this.

          • nzcoops on 03/09/2025 - 11:18
            -4

            @bk1973: It's fine, I get it.

            Sometimes I wish we had ozbargain and ozloophole/ozhack.

            It's one thing to get 10%-40% of something, click, done. It's another to "save a single digit percentage fee that arguably shouldn't exist in the first place to then pay your tax bill by copy and pasting dozens of 'temporary' CC numbers into an ATO portal" :D

            But yes, different strokes.

            • bk1973 on 03/09/2025 - 11:32
              +1

              @nzcoops: Now that you put it that way, maybe we are ever-so-slightly crazy. The points do add up though. It does take a little effort, but just like in Mandalorian, "This is [the OzBargain] way".

          • whyisave on 03/09/2025 - 11:47
            +1

            @bk1973:

            Let's say you have to pay the ATO 30K a year in PAYG and taxes after filing.

            Australia now: paying $30K in PAYG … and still on OzB 😬

        • b0b0 on 03/09/2025 - 10:57
          +2

          Different people has different circumstances. You may not find this as a deal but many others may.

          Picture the following:

          • a self employed tradie who has earns full income of $250k p.a. being paid pre-tax for all his jobs, but accrue a big tax debt at end of FY of $78k. Using this gift card deal to pay the tax debt (though lots of admin work) can earn 78k QFF / VFF points with a 1:1 conversion

          • credit card with large spending requirement (e.g. Bankwest world MC $35k spend in 5 months), using this method you can "spend" on tax credit (via gift card) and get a tax refund during tax return. This works for PAYG people too.

          • Get points on council rate payment (especially for those with land worth multi-millions)

          • Minor saving on the utility bills that charge a credit card payment fee (I think the savings is not worth the admin effort though)

          Having said all that, this deal can still be risky, and may not be acceptable for some. I reckon for many others the reward is greater than risk depending on the use case :)

          • cynix on 03/09/2025 - 11:47
            +2

            @b0b0: For ATO payments, it feels less risky to use Zip BPAY instead.

            • Yola on 03/09/2025 - 12:26
              +1

              @cynix: Zip only allows the use of Visa/Mastercards. However, for these, you can use Amex, which usually offers a higher points yield.

              • cynix on 03/09/2025 - 14:51

                @Yola: Ah good point, I forgot about that use case. I’ve been primarily using it to meet min spends for churning, so only cared about Visa/MC lately.

            • b0b0 on 03/09/2025 - 13:04

              @cynix: Learning something new here… what is Zip BPAY?

              Is that a BPAY payment via Zip Pay platform?

              Edit - ZIP Plus seems to provide $8k limit which seems to be much less hassle and less risky compared to prepaid gift card. Is this what you're referring to?

              • CodeXD on 03/09/2025 - 13:19

                @b0b0: Gotta be careful as not all the zip service allows repayment by credit card.

                I have zip pay with $1,500 limit and I've been using it to pay off any bpay that it will accept and getting credit card points when I pay off zip pay with it. It blocks bpay payment to credit cards (paying off credit cards so this makes sense) and deft payment (😭) so I buy these digital mastercard purely for deft.

              • cynix on 03/09/2025 - 14:52
                +1

                @b0b0: Yeah BPAY via Zip Pay.

                I don’t think you can repay Zip Plus balance using credit cards, pretty sure it only works for standard Zip ($1500 limit). And note the Amex limitation mentioned above.

                • b0b0 on 03/09/2025 - 15:21

                  @cynix: Thanks buddy.

                  Do you know how does credit enquiry work with Zip Pay? I assume only the initial application will be counted as a credit application with $1500 limit - am I right?

                  • cynix on 03/09/2025 - 18:08
                    +1

                    @b0b0: Yeah pretty sure it does not show up as an open/active credit card. But I can’t remember if there was an enquiry at the time of signup not… it was too long ago :p

  • dealsgrabber on 03/09/2025 - 10:04
    -1

    Can any of the Vanilla Visa prepaid cards be used to purchase these?

  • fullspend on 03/09/2025 - 10:18
    +2

    Tried for 10x: "Transaction failed, please contact customer service."

    • bk1973 on 03/09/2025 - 10:32

      This happens to me if I use Safari on my Mac. I use Chrome and have no issues.

    • tc423 on 03/09/2025 - 10:56

      tried ~7 times and changed chrome profile worked

      • odb on 03/09/2025 - 16:34
        +1

        what does changing chrome profile mean?

    • oswade on 03/09/2025 - 13:15

      Same here

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