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

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10% off $100 & $250 Coles 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 (7371 clicks)
Last edited 30/08/2024 - 23:30 by 3 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

Other Gift Card InComm MasterCard Prepaid Card

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closed Comments

  • drhip on 15/10/2022 - 09:04

    Can anyone help to explain more about this deal? We just need to walk in Coles and buy gift cards?

    • cloudie9 on 15/10/2022 - 09:08
      +15

      Yes, but there are reports people hid them the night before among shelves…

      • drhip on 15/10/2022 - 09:11
        +2

        So we buy $250, get an extra $25 but we need to pay counter at coles $7 to activate?

        • cloudie9 on 15/10/2022 - 09:12
          +6

          It will be automatically finalized during checkout, don’t worry about it.

          • drhip on 15/10/2022 - 09:20
            +1

            @cloudie9: Cool. thank you

          • ozwolf on 15/10/2022 - 16:34

            @cloudie9: Does anyone know whether card gets activated instantly? If it takes some time for activation, then any idea approximately how many hours it would take? Thanks in advance.

            • z28 on 15/10/2022 - 19:21
              +2

              @ozwolf: About 3-4 hours delay

              • ozwolf on 15/10/2022 - 23:55

                @z28: Thanks a lot for the info @z28

        • cryptowiz on 15/10/2022 - 10:03
          +68

          The activation fee is also discounted by 10% so you actually pay $231.30 thereby saving $18.70 on each $250 card (making it a tad under 7.5% saving). Despite Coles saying you won't get FlyBuys points on these, I always have received them, plus you get FlyBuys points when you spend at Coles, Officeworks and Bunnings using these cards (you can use the cards anywhere that MasterCard is accepted, you just won't get the full benefit at other stores). When you add that all up, you get a saving of 8.444% if you spend it all at stores that give FlyBuys points.

          Each time this offer comes up, I buy $5,000 worth over several days. It's a great money saver.

          • drhip on 15/10/2022 - 10:06
            +2

            @cryptowiz: Great. Thanks a lot. Add that up with real card churning will create a wholesome value

          • billy_bob on 15/10/2022 - 10:13
            +15

            @cryptowiz: So where do you hide the cards ;)

            • cryptowiz on 15/10/2022 - 10:25
              +7

              @billy_bob: I don't hide them. As I mentioned in a previous post, staff are sometimes lazy when you ask if there are any more cards and they say "no" (the easy answer). I've found staff that are friendly and go the extra mile. When the last offer was on I saw the store manager walking past and asked him. They usually look behind the board containing the cards and find a wad of them waiting to be put out. YMMV

            • paaj on 15/10/2022 - 14:22
              +2

              @billy_bob: In the vegan section :)

            • GLO on 15/10/2022 - 14:29
              +1

              @billy_bob: In my case I spend them before she gets her hands on them.

              I’ll tell here theses $50 on them and she is happy.

          • capslock janitor on 15/10/2022 - 10:40

            @cryptowiz: Does it work with promos Spend $XX earn bonus pts?

          • Flyingbeast on 15/10/2022 - 11:01

            @cryptowiz: Doesn't that messes up your credit card/bank statements?

            • cryptowiz on 15/10/2022 - 12:03
              +13

              @Flyingbeast: Not quite sure what you mean. I buy them from a separate savings account and treat them like cash. When I buy groceries with them I record the discounted value in my budget spreadsheet and update the remaining card value in my records. I also check the figure via the card website. Most people would find this all quite tedious but I'm an obsessively fussy sort of person (think Adrian Monk), I'm retired and I revel in that sort of stuff.

          • MelKJ on 15/10/2022 - 15:47

            @cryptowiz: Since these are coles Mastercard, and not just coles gift cards, can you use them for online purchases? I am assuming so, but just wanted to check first

            • cryptowiz on 15/10/2022 - 15:51
              +2

              @MelKJ: Yes, you can usually use them for most online purchases and they are accepted at most brick and mortar stores. I've used them at countless stores or websites over the past three years but some people have reported being rejected at some websites/stores. That's never been the case in my experience though YMMV.

            • eddieboy2 on 16/10/2022 - 13:11

              @MelKJ: Yes

          • HG Dendrobium on 16/10/2022 - 08:45

            @cryptowiz: Are you able to double dip with this, with other retailers, ie buying apple gift card later on? As they are actual Mastercard, I assume you can. Thanks

            • cryptowiz on 16/10/2022 - 08:59
              +2

              @HG Dendrobium: I've previously bought Hoyts discounted cinema gift cards with these (via online portal) with no issue. Should be fine with brick & mortar stores as well.

          • Bdawg on 17/10/2022 - 12:49
            +1

            @cryptowiz: I find it hard to dispose of them all, last time I did my student debt and all my utilities, land tax, rates etc.

          • itsfree on 19/10/2022 - 13:48

            @cryptowiz: Do you scan your Flybuys card each time? I was worried that it would jeopardise my Flybuys account if they saw multiple visit purchases of the cards.

            Also, I tried splitting the first purchase across multiple credit cards, but on the second visit, a previously used card got declined. Does this mean even if you buy a single $250 card on a credit card, you can't use that credit card again to buy anymore?

            • Yola on 19/10/2022 - 14:43
              +1

              @itsfree: May depend on how many you buy. Last time I purchased 10 on one FB account with no problem.
              You need to find out why the CC card was declined. There may be a limit on the amount you can spend per day but that is usually $1k. Nothing to do with purchasing the card. As far as your FI knows it's just a big shop at Coles.

              • itsfree on 19/10/2022 - 14:46

                @Yola: Ah okay – thanks for the info!

                Before today, I have had multiple cards declined – but only after trying to purchase more than 5 (in a separate transaction). I assumed it was something to do with the PoS detecting if you have reached the purchase limit?

        • billsa on 16/10/2022 - 12:51

          it's 10% off $257

      • cerealsmok3r on 15/10/2022 - 10:50

        Omg really? I should start stalking people and then undoing their work

    • B3 on 15/10/2022 - 10:57

      I still don't understand the function of these cards. Can I use them to buy things from stores directly? If so will I be anonymous or do I have to provide ID to register the new card?

      • Miss B on 15/10/2022 - 11:05
        +3

        No need to register. They now seem to have delayed activation so need to wait a few hours to use it. So you could use it to be anonymous, but I think most people just use them to pay for things they're already paying for with a ~7.5% discount. You can use them online/instore like a normal Mastercard.

        Sometimes there are issues using them where they use authentication or verification or something, but most places it's not an issue.

      • Eagle578 on 15/10/2022 - 11:08
        +1

        These are basically prepaid credit cards. You can use them anywhere until the denomination runs out. Basically you pay for the card in advance when you buy it and spend the money as per your convenience. No id needed to register the card.

    • lorikeet on 15/10/2022 - 14:29
      +7

      One does not simply walk into Coles and find gift cards in stock when a deal is running.

    • GnarlyKnuckles on 15/10/2022 - 16:23
      +4

      Can anyone explain what their legal justification would be for charging a larger 'activation' fee for a $250 card than for a $100 card? If I remember my 'basic consumer law' correctly, such charges are supposed to be commensurate with their actual costs. Why would it cost them any more (in admin work/etc.) to activate the $250 card?

      • Commonwealth Pig on 15/10/2022 - 16:46
        +5

        AFAIK that's regarding credit card surcharges, this is an activation fee.

        However I agree with your logic. I doubt there's any difference in the underlying cost of supplying the card.

      • cnrmlj on 15/10/2022 - 22:14
        +4

        The legal justification is they set the price of the product and you either pay it and get the product or don’t.

      • furyou on 15/10/2022 - 23:13
        +5

        see, there's this room where a worker takes $1 promissary notes from a back room and puts it in your drawer for your card. So for the 250 he/she/they actually have to make 2.5 x as many trips from this back room to your drawer. It's a lot more work, but they give you a discount for bulk buy.
        This is also the reason for activation delay.

  • TEER3X on 15/10/2022 - 09:05

    How quick do the $250 ones normally disappear?

    • ChaseTheSun on 15/10/2022 - 09:09
      +19

      As quick as your eyes can see

    • capslock on 15/10/2022 - 09:09
      +7

      Tuesday night. People take them home and bring them back the next day.

        • AlexF on 15/10/2022 - 09:38
          +3

          Because people are nice? Covid/TP/hoarding?

        • mooreshady on 15/10/2022 - 19:02
          +1

          Darn I thought Aussies are good people. I am so wrong

        • itsfree on 19/10/2022 - 13:42

          Unfortunately, the cashier at the Coles I visited said that people do this all the time. They now hide them behind the counter instead.

      • King Tightarse on 15/10/2022 - 09:22
        +17

        You could get done for shoplifting if you did that, despite the fact that the value has not been loaded.
        Also, remember that many companies are rolling out facial recognition technology (Bunnings and Kmart already have)
        Once they have you image as a known 'thief' they will flag you basically forever.

          • djlee on 15/10/2022 - 10:30
            +17

            @joffaa: Well technically it doesn't belong to you until you've paid for it, and you are depriving other people from buying it.

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

              @djlee: That is still not technically theft. You are not depriving the owner of anything if you genuinely intend to return and pay, and can reasonably be expected to do so.
              Queue-jumping might not even be a crime?

              • BargainBenno on 15/10/2022 - 10:45
                -5

                @bargaino: Taking a worthless info brochure from coles is not thrft, nor is taking a worthless gift card. The thing is you can only activate it at coles so potentially a sale in the future.

              • King Tightarse on 15/10/2022 - 10:53
                +25

                @bargaino: Nope sorry. You leave the store with goods that are not yours, that is theft.
                A brochure that is intended to be freely distributed does not equal a giftcard before its value is loaded. One is intended to be free, one is intended for sale. The fact that further value may be added later is irrelevant
                The main point is you don't own it, the store does.

                  • King Tightarse on 15/10/2022 - 11:05
                    +14

                    @joffaa: Well it does have some value don't you think? Production value is probably a few dollars before more is loaded.
                    But as far as intention to return and pay, I don't think that would go far with the police, even if it is true. They hear that line from every shoplifter ever.
                    Once you have walked over the store boundary with goods that you have not payed, for the police would considered it theft

                    • joffaa on 15/10/2022 - 11:14
                      -7

                      @King Tightarse: I think on the cards it states that they have no value until activated.

                      I still would take that to court . I reckon Police Prosecutions would not proceed with the case.

                      • King Tightarse on 15/10/2022 - 11:19
                        +6

                        @joffaa: You are probably right, they wouldn't really bother taking it to court because of the very low value, but if they did, I don't think you would get far as intention to pay after leaving the store is unprovable and would fail. As for that 'no value" line: that is related to the unloaded monetary face value but in terms of ownership of the the actual packet and card before value is loaded, you would be fresh out of luck defending that part, I think.

                        • joffaa on 15/10/2022 - 11:24
                          -8

                          @King Tightarse: When you get interviewed you would immediately tell the officers whilst being recorded of course that you had full intention to return to the store and pay for them when the 10% offer was activated and pay for them. Case wouldn't proceed past the interview.

                          Remember the court system is setup for offenders. Just go to Magistrates court one day and have a listen to the BS coming from Lawyers and the weak Magistrates who preside over the cases. slap on wrist at most !

                          I have seen a Defendant perjure themselves at court and all the Magistrate did was to warn them. !! wot a Joke !!

                          • King Tightarse on 15/10/2022 - 11:27
                            +8

                            @joffaa: The real punishment is being photographed as a shoplifter and added to the digital facial recognition system. Basically a life sentence because the law has not kept up with technology
                            That means being flagged every time you enter a Coles group store (for life at the moment)

                            • joffaa on 15/10/2022 - 11:29
                              +2

                              @King Tightarse: Yes I agree. Getting banned from my coles would be a big pain in the butt.

                              Anyways biggest risk of these cards is that they can be hacked. I had a Visa Vanilla hacked for $150 recently. So I wont be buying any of those in the future.

                              • King Tightarse on 15/10/2022 - 11:33

                                @joffaa: Yep. That system is centralised, so that mean potentially being flagged at all Coles, Liquorland, Kmart, Target and Myer stores. That's a pretty big price to pay. Those cameras you see in store aren't just there for show.
                                Facial recognition is here and its quite a big deal

                                • joffaa on 15/10/2022 - 11:37

                                  @King Tightarse: Taking the cards home is hardcore. Safest option is too hide them in store beforehand so the staff dont take them all before the promotion begins.! I always hide in a couple of places in store.

                                  • King Tightarse on 15/10/2022 - 20:20

                                    @z28: I am pretty sure that is a temporary situation waiting for legal clarity and reacting to the negative publicity from Choice. If they cant use your face they will use you gait. So long as you can be profiled, you will be and especially if they think you have shoplifted before. Check this out: https://www.abc.net.au/news/2018-11-06/chinese-gait-recognit… 94% accurate (4 years ago)
                                    Once your image and profile are made as a security risk they are hardly going to delete it unless directly legislated
                                    Big data is going in one direction only

                              • truetypezk on 15/10/2022 - 19:26
                                +1

                                @joffaa: There is no point arguing with hypocrites who think there is any difference between hiding the cards in the store and taking them home. They are basically the same, both practically and legally.
                                As you have said, the Crimes Act S72 has already made it extremely explicit that the intention of PERMANENT removal is essential to constitute theft. Strictly speaking even if you take something out of Coles with the intention to come back and pay for it tomorrow, it is not theft if you can prove it as a reasonable person.
                                However, whether an item has value or not does not really matter, value is also not restricted to monetary value. That said, the police is extremely unlike to recommend prosecution when the monetary value is low. The owner (Coles) is extremely unlikely to get the police involved in the first place, I don't even think they would bother to ban you from the store.

                      • TEER3X on 15/10/2022 - 14:11
                        +2

                        @joffaa:

                        Prosecutions would not proceed with the case

                        Correct, you will not get a court hearing, just a fine for petty theft and possibly appear on a YouTube video as a Karen

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

                          @TEER3X: you cant be fined for theft. It is an indictable offence. its court or nothing !

                          • TEER3X on 15/10/2022 - 20:16
                            +4

                            @joffaa: Mate stop trolling

                            Police have the option to issue an on-the-spot fine if they believe you have committed a shoplifting offence…

                            • joffaa on 16/10/2022 - 02:43
                              -1

                              @TEER3X: Yes you are right. Things have changed since my days of law enforcement.
                              But in my opinion its not shoplifting.

                              Trolling im not. Thought it was just an exchange of peoples views.

                              Ill let you have the last word.

                      • magic8ballgag on 18/10/2022 - 21:06
                        +1

                        @joffaa:

                        I think on the cards it states that they have no value until activated.

                        This is stated to prevent people like you from stealing them.

                • bargaino on 15/10/2022 - 12:23

                  @King Tightarse:

                  You leave the store with goods that are not yours, that is theft.

                  This shows why one should not rely on random internet denizens for legal advice :-)
                  Common sense guessing is no substitute for actual knowledge. Law is not logical.

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

                    @bargaino: Lol well we are all random internet denizens here, my friend. Please no not assume for a second that I have any legal advice. Of course not! Simply here for a discussion and my opinion. You however, sound like you have particular knowledge of the law? Do you?
                    I wonder, because I noticed you stated: "You are not depriving the owner of anything if you genuinely intend to return and pay, and can reasonably be expected to do so."
                    In the context of leaving a store with giftcards you had not paid for. Which I think would last all of 0.1 seconds with the police.
                    You can keep explaining that one to the duty sergeant while he is charging you with shoplifting (BTW I didn't neg you)

                  • joffaa on 15/10/2022 - 16:14

                    @bargaino: I guess 8 years of enforcing the law in my past gives me a little bit of knowledge. but it is a grey area , somewhat. but I am too old to worry about that now. charging a 60 year old man with theft of a gift card worth nothing unless activated - I would surprised if they pursued me. They would probably laugh at me ! I have taken that risk in the past and returned when the offer is activated and paid for the cards.

              • a1234my on 15/10/2022 - 17:39
                +2

                @bargaino: Joyriding (stealing a car to drive around in) is theft, even if you intend to return the car.

            • Fancydancer on 15/10/2022 - 13:19

              @djlee: Well technically this don’t satisfy all the proofs of stealing

          • thwarted on 16/10/2022 - 08:04

            @joffaa: Don’t know why you put that phrase in quotation marks as you clearly just made it up.

            • joffaa on 16/10/2022 - 08:42

              @thwarted: Thwarted are you referring to this ? That i copied from the crimes act -CRIMES ACT 1958 - SECT 72
              Basic definition of theft
              (1) A person steals if he dishonestly appropriates property belonging to another with the intention of permanently depriving the other of it.

        • nzthunderboy on 17/10/2022 - 18:11
          +1

          Kmart and bunnings have halted their use of facial recognition cameras. Other supermarkets including Coles and Woolworths have confirmed they are not using it and have no plans to either. Such came out this year in July after privacy and ethical use of data came in to light after an enquiry. There are several articles on it just by doing a quick google search.

          In regards to hoarding empty gift cards. It’s a question of moral and store discretion. Last sale, I met a guy who was holding atleast 80-100 $250 cards. He even told me that he got kicked out from one store so he went to another. He said he took some empty ones home and some he hid them around different aisles.

          So yes, some people are willing to take the risk and be it. Do I support that or not is debatable.

    • Attaca on 15/10/2022 - 09:10

      Depends on the store. During the last deal, I went to 2 stores at 7:30am Wed and they were all gone

    • Wadiyatalkinabowt on 15/10/2022 - 09:36
      +3

      Last time I wandered in at 7:10 (they open at 7:00), grabbed 4 x 250 (there were already some gone), did some shopping for half-hour, when I got back to that area to checkout there were no 250 remaining, though 100s seem to remain for a long while.

    • DoctorCalculon on 16/10/2022 - 12:20
      +1

      They magically disappear the night before into the freezer section.

  • Maglia Nera on 15/10/2022 - 09:07
    +8

    as these the ones that get compromised / hacked ???

    • Cisco123 on 15/10/2022 - 09:09
      +6

      All of them do

      • FatTofu on 15/10/2022 - 09:18

        Thought it's less likely now that they changed the packaging

        • vikvance on 15/10/2022 - 09:34
          +4

          It's the ones in the new packaging that are getting hacked.

          The hacking is being done "virtually" (by brute force attack or website security hole) and not by tampering with the packaging.

          • pennypincher98 on 15/10/2022 - 11:05

            @vikvance:

            It's the ones in the new packaging that are getting hacked […] and not by tampering with the packaging.

            Any reason they're targeting ones in new packaging if the packaging plays no part? I agree if you decide to buy one of these use it right away, but thought all cards were just as vulnerable.

            Needless to say I won't be buying.

        • Cisco123 on 15/10/2022 - 10:40
          +6

          I personally don’t think it’s worth the hassle if there is a chance to loose all your money. Even if one card gets hacked, you are potentially out $250.

    • Neoika on 15/10/2022 - 09:22
      +9

      Yes, compromised / hacked discussion 1, discussion 2.

      • ivyholmes on 15/10/2022 - 09:30

        I wonder if you attached to googlewallet/applewallet, would it still be hacked?

        • Neoika on 15/10/2022 - 09:32

          No. Digital wallet is just an alternative, not a protection.

          • ivyholmes on 15/10/2022 - 09:35

            @Neoika: I think i'll pass, too risky to lose money

      • Junk Sifter on 15/10/2022 - 10:36
        +4

        Worth a neg based on this. I thought these new cards were more secure than the old…

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