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No Purchase Fees for $100 and $250 Coles Mastercard Digital Gift Cards @ Giftcards.com.au

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No Purchase Fees for $100 and $250 Coles Mastercard Digital Gift Cards @ Giftcards.com.au
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tristanium on 04/07/2024 - 13:39 giftcards.com.au (3896 clicks)
Last edited 10/07/2024 - 10:32 by 1 other user

Just in time for tax bills for those who are seeking points for ATO spend.
Other uses too - but bear mind these are for online purchases only (subject to merchant acceptance).
Best to use sooner rather than later, as reported in other deals.

Link to $100 Denominations:
https://www.giftcards.com.au/ShoppingCart/ProductDetail/CG_c…

Note the details on home page have wrong dates - correct terms appear when you select one of the cards for purchase.

Offer details

Terms and Conditions apply. No purchase Fee on $100 and $250 digital Coles Mastercard’s. Excludes $50 Coles Mastercard. Offer available from 3/7/24 9am. Offer ends 30/9/24 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.

Other Gift Card InComm MasterCard Prepaid Card

Related Stores

Coles Group & Myer Gift Cards
Coles Group & Myer Gift Cards

closed Comments

  • chewieeez on 04/07/2024 - 13:48
    +48

    bring back the 10% off ffs.

    • Tup0lev on 04/07/2024 - 14:27

      Yeah exactly

    • hawkeye93 on 04/07/2024 - 14:49

      May be soon (August).

    • drfuzzy on 04/07/2024 - 15:43

      yeah, bring back free money.
      who wants to work for it anyway?

      • AndrewMTG on 05/07/2024 - 06:44

        Why did humans create work… and time… all a human construct

    • lilkid28 on 04/07/2024 - 17:08
      -2

      Even at 5% we probably will take it.

      • Repstar on 05/07/2024 - 08:12
        +1

        You are the problem

    • AndrewMTG on 05/07/2024 - 06:44

      Yeah what chewieeez said!! ‼️‼️

  • spc12go on 04/07/2024 - 13:52
    +8

    With the risk of getting the cards hacked, not really worth it.

    • tristanium on 04/07/2024 - 13:59
      +21

      Yes - not for everyone.
      For me, i need to pay the ATO.
      I can either transfer the cash direct and get nothing
      Or buy these with a plat edge amex and get 3 points per dollar for 0.20%

      3,000 amex points for $2 (for $1k for example) is worth the risk (and time taken processing cards) to me

      • CiA on 04/07/2024 - 14:07
        +2

        Is it not 1 point per dollar? Or is giftcards.com.au considered a super market?

        • tristanium on 04/07/2024 - 14:17
          +6

          Comes through as Coles spend - giftcards.com.au run by coles

      • donman92 on 04/07/2024 - 14:49
        +1

        What about B2bpay?
        Works well for me with credit card bonuses

      • archiechan on 04/07/2024 - 16:15

        How do you spend them exactly? Bit dificult to spend exact amount of the each Giftcard on purchases

        • spaceflight on 05/07/2024 - 10:00

          Bit dificult to spend exact amount of the each Giftcard on purchases

          What's so hard about charging the exact amount you the gift card?

      • spc12go on 05/07/2024 - 00:34
        +3

        When paying for government charges and the ATO. You have to pay credit card surcharge fee, below is the fee for the ATO

        American Express 1.45%
        MasterCard – International 1.99%
        MasterCard – Domestic Debit 0.20%
        MasterCard – Domestic Credit 0.72%
        Visa – International 1.99%
        Visa – Domestic Debit 0.40%
        Visa – Domestic Credit 0.80%

        Whereas Bpay or bank transfer there’s no fee.

        Are you really saving anything? I’m curious if it was me I would pay cash or transfer instead of using credit card. Maybe my maths is off.

    • simon 84 on 04/07/2024 - 14:37
      +3

      buy then use them directly.
      Such as pay the bills.
      No risk of being hacked

      • tabboy on 04/07/2024 - 15:15
        +2

        What he said, use straight away :)

  • davedave on 04/07/2024 - 13:55
    +1

    T&C: Offer ends 30/9/24 5pm

    Seems to have been mistyped as 30 Aug 5:00pm

    • tristanium on 04/07/2024 - 13:57
      +1

      Thanks, ive edited that!

      • davedave on 04/07/2024 - 13:58

        Thanks! What do you mean by "Note the details on home page have wrong dates - correct terms appear when you select one of the cards for purchase."

  • Neoika on 04/07/2024 - 13:55

    Why not selling $400+ denomination?

    • Typical16-bitEnjoyer on 05/07/2024 - 11:24
      +1

      Probably the same reason they don't sell $300+ denomination

    • ttkc on 04/07/2024 - 15:22

      Is there a card surcharge using Coles Mastercard Digital GC?

      • bird380 on 04/07/2024 - 15:27
        +3

        yes, 0.4% for deft payment

  • trixieb on 04/07/2024 - 14:13
    +1

    Offer available from 3/7/24 9am. Offer ends 30/9/24 5pm

    @WookieMonster Would it mean no chance of 10% off until after 30/9/24? This is offered for longer (3 months) compared to previous offer in March (about 3.5 weeks): https://www.ozbargain.com.au/node/834101

  • jv on 04/07/2024 - 14:27
    -6

    Just in time for tax bills for those who are seeking points for ATO spend.

    I just use iTunes cards…

    • bonezAU on 04/07/2024 - 15:01
      +2

      I save my iTunes cards for when Raj at Microsoft support asks for them, but whatever works for you.

  • CrashOveride on 04/07/2024 - 15:05

    Can these be used at aldi?

    • solacens on 04/07/2024 - 15:28

      No physical card and can't add to phone.

      I doubt that.

    • T-man on 04/07/2024 - 15:41
      +1

      Unless the cashier is willing to enter the card number manually, I managed to pay the childcare fee using this card by following this method.

    • tunzafun001 on 04/07/2024 - 19:20
      +1

      Hmmm…might be able to use it to buy a supershop gift card that can be used at Aldi (or whatever it's called) from Shopback (might need to go via PayPal).

  • fishandchipss on 04/07/2024 - 15:05

    If I may ask - not sure if illegal.. As a PAYG, can I ask HR to not withhold any taxes and I pay ATO myself at the end of the tax year?

    • Eugklng on 04/07/2024 - 15:13
      +3

      Not illegal to ask but the answer is for sure no. Govt always wants to be paid first. It’s blasphemy for you to even think about getting paid first from your hard work.

      • fishandchipss on 04/07/2024 - 15:14

        thank you for your quick reply. How about asking for a lower tax bracket to be deducted first? Is that possible, do you know?

        • Eugklng on 04/07/2024 - 15:17
          +2

          You can read more about it here : https://www.ato.gov.au/individuals-and-families/jobs-and-emp…

          It sounds like a lot hoops to get it through and you must have substantial amount of evidence to support the application as to why should your tax withholding be reduced.

          • FatTofu on 04/07/2024 - 16:50

            @Eugklng: Yeah I tried getting a change in myGov and eventually gave up filling the form

            • Eugklng on 04/07/2024 - 16:56

              @FatTofu: Its all by design and it looks like it worked well !

        • theophilusthistler on 04/07/2024 - 21:51

          Yes you can, but you need to do it via ATO not HR. Just fill in the form.

    • JohnHowardsEyebrows on 04/07/2024 - 15:28

      Government won't even allow you to pay your rental income at the end of the year. I once had six months of rental income on a place before moving into as PPOR. Paid my tax, then got harassed by the ATO the next year for instalments on non-existent income.

      • danielh on 07/07/2024 - 09:16
        +1

        The next time you are sent your PAYG thing, go into the tax portal and click the link that says you don't need to pay and give them your reason.

    • dankru on 04/07/2024 - 19:20

      Jeez. Can’t imagine why ATO doesn’t usually allow this.

    • danielh on 07/07/2024 - 09:15

      The few exceptions will be things like if you a partner in a firm and you are structured in a way that your 'salary' is managed via a disbursement from the firm to a trust that you have set up, all the money is given to you (including super) and you manage the whole PAYG tax thing yourself. It's great if you have offset accounts etc.

  • Eugklng on 04/07/2024 - 15:19

    Pay $1 to get $1. Doesn't sound like a good deal. If want to Pay ATO and collect those points, probably easier to pay via Zip Pay.

    • Feeblely on 04/07/2024 - 15:45
      -4

      Zip pay doesnt count for points

      • Eugklng on 04/07/2024 - 15:46
        +3

        I've been clocking up points paying zip pay bills on my cc.

        • notauser on 04/07/2024 - 16:55
          +1

          Some cards do points for BPay to zip, these days many don't

      • itsfree on 04/07/2024 - 20:39
        +1

        Counts for me on ANZ Rewards Black

    • oldmate78 on 04/07/2024 - 16:49
      +1

      Makes sense if you’re using Amex to collect points

  • morphio on 04/07/2024 - 15:21
    +3

    Can you actually pay ATO or is this a long running joke. I’ve been afraid to ask. If so why is it better?

    • Eugklng on 04/07/2024 - 15:26
      +6

      Yes you can as these are just like credit cards.

      People use this because if you pay directly to ATO using your credit card, you won't get any points. So by buying these cards using your credit card, you get the points and then use them to pay ATO.

      But I think its probably easier to just use zip pay to pay ATO bills and still get those credit card points.

      • morphio on 04/07/2024 - 15:34

        Thank you. Appreciate the response. That does make sense!

      • coxymla on 04/07/2024 - 16:25
        +3

        Also, the credit card surcharge to pay the ATO using a premium card will be much higher than the surcharge to pay using one of these.

      • danielh on 07/07/2024 - 09:18
        +1

        Plus quite often these deals actually 'make' us some money (or really some savings) via things like 5-10% in Woolworths rewards etc. It is also good if you are planning to get a new CC and you have one of those 'spend $3000 in 90 day' targets to hit.

    • pandadude on 04/07/2024 - 15:35
      +3

      You can pay ATO using the 250 card but less the 0.50 fee. 249.50. Cheaper fee than using credit card.

      Only make sense if there is a discount on gift card.

    • theophilusthistler on 04/07/2024 - 21:56
      +2

      A word of warning, while it's fine to pay any debts do NOT pay your ATO account into credit. My return was on hold for 3+ months last year until they could refund the gift card payment back to the gift card.

  • firestint on 04/07/2024 - 15:27

    Can we use this to pay for VIC land tax with SRO?

  • send2riven on 04/07/2024 - 15:35
    +1

    I got the card hacked last time, took $40 off from 1 of my card and can't be bothered to appeal, not worth it when there is nothing to be saved.

    • AndrewMTG on 06/07/2024 - 08:30

      Their tos says no recovery of losts funds or what not anyway aye

  • solacens on 04/07/2024 - 15:46
    +1

    Actually this one is bad.

    1. No discount.

    2. Can't either to use on physical pad nor add it into phone e-wallet.

    Got trapped.

    • chunfat on 04/07/2024 - 15:59
      +2

      Thanks, I was very close to buying this until I realised that it can't be added to the phones e-wallet

  • vovka on 04/07/2024 - 15:48
    +2

    Is buying something without a fee considered to be a new type of bargain?

    • Brakus on 04/07/2024 - 15:59
      +1

      yes, In case you need to give as a gift.

      • trixieb on 04/07/2024 - 19:19
        +3

        @Brakus I wouldn't recommend this as a gift as the card is hacked easily and is best spent asap within a few days at most.

    • CrazyBargainer on 04/07/2024 - 16:03
      +3

      Depends on the use case.
      This works well if you want to convert your Amex Money to Mastercard Money and use it almost anywhere online + earn points on Amex Credit Cards.
      I mostly use it for ATO payments.

      • vovka on 05/07/2024 - 11:15

        You're clearly mixing up Bonus and Bargain.
        "Bargain is a thing bought or offered for sale much more cheaply than is usual or expected"
        Your AMEX points are a Bonus, which you gain by spending extra time going through these conversions. Therefore this deal not a bargain per se.

  • huangjun604 on 04/07/2024 - 16:06

    Transaction failed with amex, anyone succeeded?

    • solacens on 04/07/2024 - 16:09

      I do.

      Instant regret to find out it can't be add into Apple Pay.

  • RooBun on 04/07/2024 - 16:41
    +2

    25% OFF
    10% OFF
    20x Rewards Pts
    No Purchase Fees

    …what's next?
    $110 cash for $100 Gift Cards?

    This is NOT a bargain.

    • rs0123 on 05/07/2024 - 06:45
      -7

      well said …. not a bargain. Mods please remove the post

  • ninohax on 04/07/2024 - 16:55
    +3

    lol digital cards should never have a purchase fee. This ain't a deal mate.

  • lilkid28 on 04/07/2024 - 17:08
    +13

    DO NOT BUY THESE. If hardly anyone buys, then they will offer a better promo.

    • bcYield on 04/07/2024 - 18:28
      +1

      "To help with cost of living" was the reason they offered the discounts previously. What's next?

      • rs0123 on 05/07/2024 - 06:43
        -3

        No one want to help with cost of living. It is just a marketing technique to make people use this prepaid cards.

        What difference does it make if you are using a debit card and this one.
        1. Use your bank debit card and you bank will not charge for balance inquiry but this one does charge for every balance inquiry.
        2. Use your bank debit and if there is a fradulent charge you can charge back but with this card you have to jump through the hoops and pay as well for every phone calls.

        Verdict : No - unless it comes with 10% off then there is some benefit ( generally 7% after the activation fee) dont bother buying

        • zuruhara on 15/07/2024 - 10:29

          This one charges for every balance enquiry?

  • ranma241 on 04/07/2024 - 18:34
    +6

    How is it any different from using my credit card?

    • boomramada on 04/07/2024 - 19:04

      Its for gifting unless you want to share your card around.

      • trixieb on 04/07/2024 - 19:22
        +3

        @boomramada Not recommended for gifting as this card is hacked easily and is best used as soon as possible.

    • Lucille Bluth on 04/07/2024 - 20:43
      +1

      To meet min spend requirements for bonuses + getting points by paying for these using a credit card.

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