This was posted 1 year 2 months 11 days ago, and might be an out-dated deal.

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[VIC, TAS] 10% off $100/$250 Vanilla VISA Gift Cards (Incl. $5.95/$7.50 Activation Fee) When You Scan Registered Flybuys @ Coles

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[VIC, TAS] 10% off $100/$250 Vanilla VISA Gift Cards (Incl. $5.95/$7.50 Activation Fee) When You Scan Registered Flybuys @ Coles
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VantageXL on 11/09/2023 - 00:12 en-au-media-publications.shopfully.cloud (3388 clicks)
Last edited 11/09/2023 - 01:28 by 2 other users

10% off $100 and $250 Vanilla VISA Gift Cards when you scan fully-registered Flybuys @ Coles

Limit 5 Gift Cards per Flybuys account per day. 10% discount will be applied to the value of the card including the applicable activation fee. Total cost for $100 gift card is $95.36 ($90 for card and $5.36 for activation fee) and for $250 gift card is $231.75 ($225 for card and $6.75 for activation fee). Offer valid in VIC and TAS only in store at Coles Supermarkets (excludes Coles Online, Coles Express and purchases via giftcards.com.au), subject to store availability. Excludes all other states. Excludes $25, $50 and $400 Vanilla Visa Gift Cards. To quality for this offer you must present your fully registered Flybuys card at the time of purchase. While stocks last, no rainchecks. Gift Cards cannot be used to purchase any other gift card sold at Coles. Offer valid from 13/9/23 to 19/9/23. Refer to individual gift card for terms and conditions. Flybuys privacy, policy applies. Standard Flybuys terms and conditions apply and are available at Flybuys.com.au. Vanilla Visa gift cards are issued by Heritage and People's Choice Limited trading as Heritage Bank ABN 11 087 651 125 AFSL 244310 pursuant to a license from Visa Worldwide Pte Limited. Fully-registered Flybuys members must have joined the Flybuys program via the Flybuys app or flybuys.com.au, provided their firs and last name and verified their registration with a mobile number and email address. This can be done instore via the QR codes available, following the 'sign up' prompts. This promotion requires full Flybuys registration and is not available for use with an unregistered temporary card or for partially registered members.

The offer for other states is 30x Flybuys points on Uber & Uber Eats gift cards.

Other Gift Card InComm Prepaid Card VISA

Related Stores

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Vanilla Visa Gift Card
Vanilla Visa Gift Card

closed Comments

  • ValueInvesting on 11/09/2023 - 00:33
    +6

    Good deal but prefer the digital only cards. No paper/plastic waste and no need to find the $250 cards in store.

    • TEER3X on 11/09/2023 - 05:48
      +1

      Same here but for the second reason only

    • Yola on 11/09/2023 - 08:26

      Also much easier to use.

    • shinjiman on 11/09/2023 - 22:07

      Just back to few weeks before Coles had selling the digital only Prepaid MasterCard with the similar deal online.

  • AsukaST on 11/09/2023 - 00:34

    Haven't used it for 12+months, I wonder if this Vanilla card still requires signature on (almost) every in-store purchase.
    If so, I will just pass and wait for the next Coles Prepaid Mastercard deal.
    It's just soooo annoying. Staff never understand it's a gift card hence it's not my name printed on the card.

    • ValueInvesting on 11/09/2023 - 00:35
      +1

      Could be wrong but I think it depends on the merchant and also the dollar amount of your purchase…not dependant on the card itself.

      • AsukaST on 11/09/2023 - 00:38
        +1

        No, from a March 2023 comment, it's $30+ in Coles and $1+ in WW, for this particular gift card.
        https://www.ozbargain.com.au/comment/13522601/redir
        From my previous experience (12+ months ago), it was 100% of the time, even just a few dollars in maccas, which is different from Coles Prepaid.

        • Nugs on 11/09/2023 - 06:35
          -1

          Ues a pin on firsttransaction, no need to sign from then on
          .

          • lgacb08 on 11/09/2023 - 07:41

            @Nugs: This card doesn't have pin option mate.

            • Nugs on 11/09/2023 - 09:12

              @lgacb08: so not the yellow $250 ones?
              .

              • WookieMonster on 11/09/2023 - 09:23
                +2

                @Nugs: You are talking about Coles Mastercard gift cards. This deal is for Vanilla Visa gift cards, which is a different prepaid gift card scheme.

                Vanilla Visa gift cards and Coles Mastercard gift cards are quite similar (e.g. they are both operated by InComm, they have similar packaging style), but one of the key differences is the PIN.

  • blah-blah on 11/09/2023 - 00:49
    +6

    Glad this happens so frequently now that there is no need to go crazy for it anymore. Especially with various bills already prepaid enough with previous deals.

    • bhunter101 on 11/09/2023 - 08:24

      How? What bills? More info please

      • Yola on 11/09/2023 - 08:28
        +2

        Utilities and tax prepaid online. I also paid the dentist and doctor in person.

        • dealsucker on 13/09/2023 - 15:37

          I tried to pay my yarra valley bill online and it wont accept it :(

          • Yola on 13/09/2023 - 15:52

            @dealsucker: I have paid Yarra Valley numerous times with the Coles Mastercard. Strange that it does not work with this one.

          • couger on 13/09/2023 - 16:26

            @dealsucker: I just paid my YVW bill using vanilla after my payment for tango energy failed, so YMMV.

          • fufufu on 13/09/2023 - 18:44

            @dealsucker: I had the same issue trying online, called up and used their phone CC payment and went through.

  • shoppe on 11/09/2023 - 01:09

    Any differences between these and the Coles PP MasterCards?

  • OneTonneRodeo on 11/09/2023 - 01:57

    Can this be used to pay the ATO online in the same way the Coles MasterCard one can?

    • bbqwer on 11/09/2023 - 02:39
      +1

      Yes it works

    • New Chump on 11/09/2023 - 10:00
      +4

      These visas attract double the ATO's credit card fee though (0.40% compared to 0.20% for the Coles MasterCard).

      • capslock on 11/09/2023 - 10:08
        +2

        True but it's not a big deal considering you are getting a 7.3% discount on the gift card.

      • OneTonneRodeo on 11/09/2023 - 19:54

        Thanks. There were a couple comments from the last thread back in March suggesting these can't be used to pay HECS (and repayments are via the ATO site anyhow).

        I read through your detailed info below (thanks), but didn't spot anything other than ATO payments should be fine. Wondering if you know more?

      • daoddv on 19/09/2023 - 07:03

        I my tax is not ready for this year yet, but I can see I own them. Can I pay now without logde my tax?

        • mysterytal on 19/09/2023 - 07:11
          +2

          You can make payments in advance to the ATO.

  • skye89 on 11/09/2023 - 05:15
    +1

    Can you put this onto paypal?

    • Bargainseeker43 on 11/09/2023 - 05:21
      +2

      Yes

      • Dizhang on 15/09/2023 - 16:44

        Could you share how to put it onto PayPal please? Thanks

    • TEER3X on 17/09/2023 - 14:29
      +1

      Anyone figure out if we can load several of these onto PayPal and use it for one transaction?

  • SydBoy on 11/09/2023 - 05:49
    +6

    Real lucky people are those living in Albury and Wodonga… !

    • TEER3X on 11/09/2023 - 17:26
      +1

      Even luckier/wealthier are those living in Sydney and Melbourne.

  • ujwols on 11/09/2023 - 06:50

    Why no love for NSW?

    • WookieMonster on 11/09/2023 - 07:17
      +2

      Probably because NSW (and ACT) already had their own Vanilla Visa gift card deal six months ago.

    • Neoika on 11/09/2023 - 08:39

      March next year

      • easternculture on 11/09/2023 - 08:56

        Only have 5 left.

        Need another 10k lol

        • lilkid28 on 11/09/2023 - 09:40
          +1

          Fly to VIC?

    • danielh on 11/09/2023 - 09:48
      +3

      I think other states tend to get the same deal a week or two later. Not sure why it is staggered like that but maybe to reduce the strain on the gift card system when activations are being done?

    • daoddv on 19/09/2023 - 07:14

      I just asked my friend to buy it for me.

  • U30004 on 11/09/2023 - 07:21

    How can i pay ATO with this?

    U30004 on 11/09/2023 - 07:21 (Collapsed - Offtopic. Show)
    • lgacb08 on 11/09/2023 - 07:49
      -4

      Send me the photos of the front and back of the activated card together with the receipts. As an exemplary tax agent I will do my due diligence to process your payment as fast as governmental bureaucracy allows which might take an eternity. Please do not attempt to contact me or the ATO as doing so will lengthen the process and you're not gonna see your money again anyway.

      • U30004 on 11/09/2023 - 08:02

        Wonderful

  • easternculture on 11/09/2023 - 07:42
    +24

    @WookieMonster notes

    These prepaid gift cards have no PIN associated with them.

    These prepaid gift cards do not come with a PIN at all when they are manufactured, and it is not possible to set a PIN after activation for card-present (i.e. in-person) purchases.

    If you are going to use this prepaid gift card in person, you will likely need to sign to “verify” the transaction. If you swipe the prepaid gift card on the EFTPOS terminal are asked to enter a PIN, press the Enter / OK / green key without entering anything, or press the Signature option on the screen (if that appears as an option).

    Although signature verification was phased out for Australian-issued debit and credit cards in late 2014, there still some circumstances where signature verification is still permitted in Australia, including magnetic stripe payments (which covers Vanilla Visa gift cards).

    However, if you are at a merchant that mandates you provide a PIN to authorise an in-person transaction, you will not be able to use this prepaid gift card.

    These prepaid gift cards are not accepted at some online merchants

    Merchants that do not accept these prepaid gift cards include Prezzee, Reward Gateway and the Woolworths Group gift card portal.

    This is due to prepaid gift cards not being tied to a specific person and lacking the security features that allow a payment processor to ask for verification (e.g. a two-factor authentication code sent to a mobile or obtained from a token to check whether the verified cardholder is the person trying to initiate the payment).

    A workaround is to link these prepaid gift cards to a PayPal account, then use PayPal at an online merchant (where PayPal is accepted) and select the prepaid gift card as the payment source. I have done this many times at Prezzee and the Woolworths Group gift card portal to get around their restrictions on prepaid gift cards.

    Before anyone asks, these gift cards should be okay to use to to send payments to the Australian Tax Office (ATO) online. (I last used a Vanilla Visa gift card to on the ATO portal at the end of 2022.) These prepaid gift cards attract a 0.4% payment surcharge and ATO’s systems will only permit you to redeem ten different prepaid gift cards in a 12-24 hour period (five via myGov and five via Government EasyPay(governmenteasypay.gov.au), so remember to factor this in when planning to send any payments.

    These prepaid gift cards are (particularly) susceptible to BIN attacks (aka “hacks”)

    Although any Visa/Mastercard/AMEX/etc card is susceptible to bank identification number (BIN) attacks (where someone tests multiple potential combinations of card numbers, expiry dates and CVV2 values), prepaid gift cards are particularly susceptible, due to a limited pool of potential expiry dates, as well as the lack of sophisticated fraud prevention and fraud detection systems you usually find implemented at “regular” financial institutions (e.g. CommBank, Westpac, AMEX).

    If you notice someone manages to redeem part or all of the balance of your prepaid gift card, you can dispute transactions(vanillabalance.com) with the issuer (Heritage Bank).

    You may have up to 120% of a transaction value deducted from your prepaid gift card

    Some merchants will request a pre-authorisation amount that is up to 120% of the transaction value. However, when the transaction is no longer pending, the amount deducted from your prepaid gift card will be settled at the transaction amount, and the additional funds set aside to cover the pre-authorisation amount will be returned the available balance.

    I have noticed this happen at hairdressers and restaurants, and the terms and conditions also mention this potentially happening at hotels, rental car place, etc.

    This means that you may not be able to redeem your prepaid gift card at some merchants, even though you think it has a sufficient available balance. For example, I once tried to use a Vanilla Visa gift card with $34 on it to pay for a $30 meal at a restaurant, but the card kept on being declined. The card issuer later told me it was due to the restaurant wanting to use $36 as the pre-authorisation amount (not $30), so my transactions were being declined due to insufficient available balance.

    Reference: https://www.ozbargain.com.au/comment/13518831/redir

    • serpserpserp on 11/09/2023 - 07:58
      +5

      Thanks for that. Have an up vote.

      Sounds like a major hassle and might pass on this.

    • Yola on 11/09/2023 - 08:33

      I regularly use 10 GC on myGov and five at Government EasyPay(governmenteasypay.gov.au) at a time. You can repeat it every 12 hours.

    • FatTofu on 11/09/2023 - 08:46
      +2

      Just be careful if your tax account is already in credit. You may not get the credit refunded to you even after doing tax return. I called ATO to ask why there was a "Cancellation of refund" for the credit I put in a few months ago. They said they would escalate the matter for a senior manager to investigate. Still haven't received my money yet.

      • mrfuku on 11/09/2023 - 09:49

        Need a letter from your accountant

      • tbone74 on 15/09/2023 - 02:41

        Did you get an answer for this? Also have a Cancellation of refund in my account but haven't contacted ATO yet for an explanation.

    • Zapwap on 13/09/2023 - 09:39

      Some merchants will request a pre-authorisation amount that is up to 120% of the transaction value

      Is this legal? If this is, it shouldn't be

  • proudwanderer on 11/09/2023 - 08:44

    Can these be used on Amazon?

    • easternculture on 11/09/2023 - 08:55

      Yep

      • nsingh21 on 17/09/2023 - 12:36

        All my Amazon transactions keep getting cancelled with these prepaid cards (both Vanilla VISA & Coles Mastercard GC). I've noticed a change on the Amazon website which now seems to be doing the 3DS verification on cards. Now been using these to buy Amazon GC, then pay for my purchases.

        • daoddv on 19/09/2023 - 07:25

          Can I use these card to buy Amazon GC then use the balance to buy Apple gift card?

  • vetopower on 11/09/2023 - 08:45

    Can these be quickly & cheaply liquidated to WW or Coles GCs?

  • danielh on 11/09/2023 - 09:36

    Good timing if you plan to get any new Apple products that will be announced early Wednesday this week.
    IE.go to JB-Hi Fi to get Apple Gift Cards to add to your Apple Account and to purchase the new products online via the Apple Store app.

    • shinjiman on 11/09/2023 - 22:17
      +1

      Donno if this deal or the Ultimate Cards deal by Woolies worth for more value as they are doing with 20x EDR points deal?

      • zrmx on 15/09/2023 - 12:55

        If you use your EDR points as rewards dollars ie 2000 points = $10 off. Then 20x EDR points is equivalent to 10% off.

        • davidl2 on 19/09/2023 - 19:32

          but you could always buy Woollies card with at least 3-5% off

  • clubhonda on 11/09/2023 - 10:07

    Isn't this the one that's not accepted at many places?

    • WookieMonster on 11/09/2023 - 10:46
      +4

      Probably.

      As discussed above, if you are wanting to do a card-present transaction, the only verification option available on this gift card is signature verification. If you swipe the gift card, select CR/Credit (where requested) and are then greeted with the PIN prompt screen, you must:

      • Press Enter/OK without entering any numbers, or
      • Select the Signature verification option on the EFTPOS terminal. (I have only seen this at EFTPOS terminals operated by the Westpac Group.)

      If the merchant refuses to let you do signature verification for a card-present transaction, you will not be able to use the gift card. Signature verification is still a permitted verification method for card-present transactions across the world, but it was phased out for the vast majority of situations in Australia in 2014. Considering how unusual it is nowadays to be able to do signature verification in Australia nowadays, it means that you may have a merchant refuse signature verification due to it being something they have never seen before.

      There will be some situations where an EFTPOS terminal will attempt to redeem funds on the gift card without asking for a signature (e.g. parking meters, transactions at Coles where you are attempting to redeem less than ~$35), so signature verification is not always required. Woolworths, Woolworths Metro, BIG W, BWS, Dan Murphy’s and EG Ampol are unusual in that they will push you through the signature verification process without actually asking for you to provide an actual signature.1 As an aside, I have always been asked for a PIN or signature for card-present refund transactions, even for very low value refund transactions.

      In terms of online transactions, in my experience, it is more likely a prepaid Visa gift card will be rejected than a prepaid Mastercard gift card. For example, I have always been able to use Coles Mastercard gift cards on Cashrewards’ gift card portal, but I have tried multiple types of prepaid Visa gift cards without any success (e.g. Activ Visa gift card, Go-To Visa gift card, OnlyONE Visa gift card, Vanilla Visa gift card). However, you should be fine linking a Vanilla Visa gift card to PayPal and then using that via PayPal to pay for an online transaction (where PayPal is accepted). A lot of the restrictions you may have heard about with Coles Mastercard gift cards (e.g. PayPal transactions being blocked, the ATO being blocked, health insurance premium payments being blocked) were never actually an issue for Vanilla Visa gift cards.

      1. I have seen someone at Woolworths being forced to provide a signature earlier this year, but I suspect that was for an internationally-issued card, not an Australian-issued prepaid gift card. ↩

      • moneygrubber on 11/09/2023 - 13:23

        Not having much confidence in buying this gift card to pay for my car service with my mechanic. I'm worried that he might not accept signature

        • onceupon8 on 12/09/2023 - 09:57

          I doubt you will have problems. Small merchants with normal EFTPOS machines usually won't have a problem. It's bigger merchants who have customised their machines for things like self checkouts or train tickets or vending machines etc where you may have problems.

      • ganjadeals on 19/09/2023 - 18:52

        @WookieMonster do you know if these still work at Prezzee via PayPal? Didn't work for me - "Unfortunately , your order was unsuccessful due to payment assessment from our processor…..".PayPal does send an email saying "You authorized a payment to Prezzee Pty Limited".

        • WookieMonster on 19/09/2023 - 19:48

          No idea! I don’t have any Vanilla Visa gift cards on hand to test.

    • cloudy on 17/09/2023 - 21:15

      I bought a bunch of these, and can confirm they are denied at a few places i'm trying, Legoland, and big goose farm, not sure why. I managed to pay some bills with them though.

  • TechNerd on 11/09/2023 - 10:37

    Does anyone know if you can pay council rates with these cards?

    • Melburnian on 11/09/2023 - 12:20
      +1

      Yes, I've done it for City of Melbourne.

      • TechNerd on 11/09/2023 - 12:21

        Thanks for confirming, will give it a go for my council

    • vikramhkumar on 11/09/2023 - 12:53

      Yes.. have done it in the past

  • HopSkipJumpFallSplat on 11/09/2023 - 12:30

    Never bought these vanilla cards before, anyone know if you can purchase them with Shopbacks Supermarket card or the coles mastercards?

    • WookieMonster on 11/09/2023 - 14:22
      +1

      Shopbacks Supermarket card

      I have not heard of Coles restricting the usage of ShopBack Supermarket Visa gift cards at their stores, so you should be fine from that perspective.

      Keep in mind that Blackhawk Network has been enforcing spending restrictions on their gift cards - including ShopBack Supermarket Visa gift cards - at “supermarkets” for a number of months now. Have a look here if you want to know more.

      coles mastercards

      I am assuming you are talking about physical Coles Mastercard gift cards, not digital Coles Mastercard gift cards nor Coles Mastercard credit cards? If so…

      I was able to use a physical Coles Mastercard gift card to pay for a Vanilla Visa gift card in last year’s VIC/TAS deal,, but someone told me a couple of days later that they triggered an Invalid Product Mix error as soon as they swiped a physical Coles Mastercard gift card. I did not have any physical Coles Mastercard gift cards to test it out during this year’s NSW/ACT deal…

      • HopSkipJumpFallSplat on 11/09/2023 - 14:28
        +1

        Thanks, did read a previous post here on Vanilla cards and couldn't find an answer.

        And yes my bad, coles MC is too generic, I did mean the physical Coles giftcard MC's.

      • HopSkipJumpFallSplat on 13/09/2023 - 08:33
        +1

        As expected, the Coles Mastercard giftcard did not work paying for one of these Vanilla cards.

    • Miyagi on 13/09/2023 - 15:23

      I was able to add 5 cards to shopback and proceeded to purchase Airbnb gift cards. Successful on 4 but the 5th failed, said SB detected suspicious activity and blocked it.
      I removed the 5th card and now unable to add anymore, says that I can't add anymore from this card issuer.

      • HopSkipJumpFallSplat on 13/09/2023 - 15:25

        You should still be able to add "different" types of cards, example I cannot add Coles Mastercard gift cards at the moment but I can add Single Use Zip cards and others, it is a 7 day cooldown period, after 7 days you'll be able to add the type of card your using again.
        There is 2 types of cooldowns at Shopback, inability to add cards, and another that stops you buying giftcards, I can buy small $5 gift cards but cannot buy $200 or above Supermarket cards, not sure how long that cooldown period is.

  • Jackjcca on 11/09/2023 - 22:32

    this may have been answered before but wondering if i can purchase Ultimate sale which will start on 13th with these ? ANy clue or tips?

    Also, how do i use it with paypal? Can i do a bulk load of maybe 4X $250 cards and load my paypal to a $1000 and buy something at once or will i have to purchase stuff worth $250 each time seperately?

    Thanks

    • a1234my on 13/09/2023 - 09:21

      i dont see how you do it

    • nanny0tt on 13/09/2023 - 10:31

      cant buy Ultimate, tried this morning and getting no enough balance error with $250 payment or $200 payment

    • jimojr on 13/09/2023 - 10:34

      You can only use one card each time with Paypal. If it exceeds $250, you can use this Vanilla VISA gift card to buy a store gift card first.

  • Munners1989 on 12/09/2023 - 10:13

    Has anyone tried buying a $250 gift card (or any gift card for that matter) using a HSBC Everyday Global Account with the 2% cashback offering. Are you able to use split card payment for gift cards at Coles to get under the $100 tap threshold for the 2% cashback i.e $99, $70, $81.

    • WookieMonster on 12/09/2023 - 12:59
      +1

      At Coles self checkouts, you cannot do split payments across multiple cards when purchasing a gift card. If you press the Mixed Payment option on the payment screen, you will get an error message telling you to go to the service desk to do split payments. I think you can still do split payments between cash and one card payment, but if so:

      • You would need to insert cash first.

      • There will be no option to obtain change from the cash you insert. That means if you are purchasing a $250 Vanilla Visa gift card for $231.75 through this deal and insert $135 cash first, you would then need to pay $96.75 from a card. There is no way to force the checkout to give you back $3.20 in change and then pay $99.95 from a card (which sounds like the ideal scenario for you).

      At Coles standard checkouts (which includes the service desk and any checkout that is operated by a dedicated staff member), you can do split payments across multiple cards (or multiple cards and then cash) when purchasing a gift card, but that is dependent on:

      • The staff member knowing how to do split payments (and I have found out the hard way a couple of times that not all staff know how to do that).

      • The staff member being willing to let you do split payments (and I have found out the hard way a couple of times that not all staff will do this for purchases of gift cards).

    • mrdng on 14/09/2023 - 11:46

      I've just tried this exactly and the system didn't allow split payment. Asked a guy there and he tried log-in, didn't work neither. And he told me per the message my best bet would be trying to pay it as a whole payment for each gift card. Problem was my Shopback Visa Card was only $200 while I'm purchasing $250 vanilla cards.

      Ended up paying by my credit card. On my way back, I thought to myself that I should have tried purchase a bunch of spring onion along with 5x Vanilla gift cards, the system might allow me to split payments. I'll try again tomorrow. I maxed out my limit today.

      • Munners1989 on 14/09/2023 - 12:04
        +1

        I bought a carton of milk with 3 x gift cards and it wouldn't allow split payment only mixed payment.

        • mrdng on 14/09/2023 - 12:36

          Thanks for the info!

          I should have checked this thread first before buying a few Shopback supermarket visa cards with the goal to purchase these gift cards. Now my only option is to buy 2 x $100 Vanilla cards each time…

  • davedave on 12/09/2023 - 10:19

    Can I buy using a Coles gift card?

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