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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
Go to Deal
financialminimalism on 07/10/2024 - 23:32 giftcards.com.au (3291 clicks)
Last edited 07/10/2024 - 23:40 by 1 other user

The deal continues to roll on. No purchase fee for buying the $250 or $100 MasterCard gift cards from giftcards.com.au; save $7 or $5 respectively.
Great for those that have ATO tax bills to pay and are seeking points for ATO spend.
Note these cards are for online purchases online (subject to merchant acceptance).
Best to use sooner rather than later, as reported in other deals.

Other terms:

Terms and Conditions apply. No purchase Fee on $100 and $250 digital Coles Mastercard’s. Excludes $50 Coles Mastercard. Offer available from 7/10/24 9am. Offer ends 19/11/24 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.

Other Gift Card InComm MasterCard Prepaid Card

Related Stores

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

closed Comments

  • jecec on 07/10/2024 - 23:39
    +20

    Awesome bargain! $100 for $100. Free card.

  • CDG on 07/10/2024 - 23:43
    +2

    but why? why not just use your credit card if theres no discount?

    i only buy it when its 10% off?

    • financialminimalism on 07/10/2024 - 23:47
      +22

      Because you can purchase these cards with your AMEX and earn QFF points or AMEX MR points for no transaction fees. Then use these cards to make ATO repayments for very little fees (debit card rates, ~50 cents per transaction). Makes SNIPP and B2BPay and others look expensive.

      • fozzie on 07/10/2024 - 23:48
        +5

        Exactly. Also deft for strata payment, health funds, bills etc.

      • retnup on 08/10/2024 - 00:14

        So if I didn't want to use snipp so I can pay rent, I buy a huge stack of these each month and pay rent in lots of $100?

      • capslock janitor on 08/10/2024 - 00:35
        -4

        So is this better ;or 10% off with purchase fee?

        • nikoris on 08/10/2024 - 00:42
          +1

          Bruh

        • TheFreaK on 08/10/2024 - 00:49

          Chat is this for real?

        • fozzie on 08/10/2024 - 08:05
          +1

          Ahha, no is not. But if you have to pay your bills now you cannot wait for 10% off.

        • frewer on 18/11/2024 - 18:16

          I dont likes the fact that you cant think likes a criminal mind mathematician

    • fozzie on 07/10/2024 - 23:47
      +4

      Ato and deft payments. Use your credit card and still make lots of points and pay lower fees. We are ozbargainers, not fools.

      • ggfatty on 08/10/2024 - 00:12
        +1

        I just love that the same question and answers on these deals every single time :)

        Of course 10% is better but what would you do when there is no discount and u have to pay ATO or deft ?

  • Koipanda on 07/10/2024 - 23:44

    Any idea why i cant check my balance online?

    • AsukaST on 07/10/2024 - 23:48
      +1

      incognito window will do

  • Neil2016 on 07/10/2024 - 23:50
    +8

    We need the 10% off!

  • lilkid28 on 07/10/2024 - 23:52
    -3

    Already bought $20k+ worth last week at 7.5% off.

  • leeroys_dad on 07/10/2024 - 23:54
    +4

    I have tax bill to pay every year but I always put it on a payment plan for 0% interest 😀 works out approx 3% annualized return by keeping money in the bank for longer

    • Tomorrow on 08/10/2024 - 00:29

      how do you negotiate with ATO?

      • TheFreaK on 08/10/2024 - 00:50

        Ring them

        • Tomorrow on 08/10/2024 - 01:29

          Thanks for replying mate. Is that hard to negotiate?

          • TheFreaK on 08/10/2024 - 01:51
            +1

            @Tomorrow: Haven’t tried it myself but have heard from multiple people first hand that they’re actually pretty open to it.

            Have also read in a few groups that they’re getting a bit more rigid in recent times due to a lot of people taking advantage of it.

            Can’t hurt to give them a ring and try your luck

      • leeroys_dad on 08/10/2024 - 06:58

        I can set up payment plan online in mygov

        • Tomorrow on 10/10/2024 - 20:26

          zero interest?

          • leeroys_dad on 10/10/2024 - 21:43

            @Tomorrow: Yep. Well, I am charged interest which is credited back, so effectively 0%

      • SmiTTy on 12/10/2024 - 21:41

        On the portal just select to setup a payment plan

    • fozzie on 08/10/2024 - 08:07

      But you can also still pay with these…. And then you earn points

      • leeroys_dad on 08/10/2024 - 08:30

        That is true! But I would have to outlay funds upfront for what would be 1% value in rewards point

        • fozzie on 08/10/2024 - 08:42

          You just have to pay a day before is due….

          • caperite on 08/10/2024 - 08:45

            @fozzie: They would have to outlay funds to buy the giftcards now. That means no bank interest.

            • fozzie on 08/10/2024 - 08:54

              @caperite: Well if pay by Amex they give you another 60 days free too….

              • leeroys_dad on 08/10/2024 - 09:52
                -3

                @fozzie: Delaying payment is still much better than buying gift cards WRT ROI

  • GnarlyKnuckles on 07/10/2024 - 23:56

    Re:

    'Great for those that have ATO tax bills to pay and are seeking points for ATO spend.'

    So, you get 'FlyBuys' points when you buy these cards, then you can use the cards to pay your ATO debt. Is that right? Or is there some way to get Qantas Frequent Flyer points when buying or spending these cards?

    Does the ATO apply a surcharge for paying with a credit card, like most such mobs do? If so, even if that surcharge was only 1%, wouldn't you still be better of just doing a direct bank transfer to pay an ATO debt?

    • ltwo on 08/10/2024 - 00:03

      I don't think you get Flybuys with this.

    • CommuterPolluter on 08/10/2024 - 00:07
      +1

      Card payment fees
      Card type
      Fee
      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%

    • financialminimalism on 08/10/2024 - 00:09
      +1

      50 cent surcharge charged by the ATO on the $250 prepaid master card.
      No Flybuy points, only what your credit card provider offers you for spend on your card (e.g. Amex or Qantas points).

      • GnarlyKnuckles on 08/10/2024 - 00:48
        -1

        '… only what your credit card provider offers you for spend on your card (e.g. Amex or Qantas points).'

        Oh, so you buy these 'gift' MasterCard cards with your usual credit card, and get whatever points your usual credit card gives you for standard purchases. Do credit card companies even give points for the purchase of 'gift' MasterCard cards though? I thought that when they canned the whole 'points for paying off ATO debts' thing about 7 or 8 years ago, they would have circumvented this cunning route. Maybe not? If not, this is great news; but it would be good if you could buy $1000 (or $5000) Coles 'gift' MasterCard cards … it's going to be a bit tedious playing this game with $250 cards.

  • ThePointsGuru on 08/10/2024 - 00:12

    Waiting for the 10% off

    • TheFreaK on 08/10/2024 - 00:51

      Aren’t we all

    • lauts on 09/10/2024 - 06:56

      Same :( any idea about if or when the next 10% deal might drop?

  • danny199987 on 08/10/2024 - 00:16

    Is there an expiry with these cards?

    • lolmao on 08/10/2024 - 00:30
      +1

      10/29

      • GnarlyKnuckles on 08/10/2024 - 00:50
        +2

        By law it has to be at least 3 years.

  • capslock janitor on 08/10/2024 - 00:51

    Is it good for paying HECS? Asking for friend

    • coxymla on 08/10/2024 - 11:15
      +1

      Yes

  • hippo2s on 08/10/2024 - 08:33

    What do you do with the minimal leftover amounts? Most websites seem to only be able to charge the full amount so I always end up having a few dollars left.

    • snappy1234 on 08/10/2024 - 08:59
      +1

      @hippo2s
      Spend it as a "split" payment for supermarkets/fuel etc…

      Lots of businesses take split payments only thing I find they want another card rather than cash.

    • ronnknee on 08/10/2024 - 09:16

      Can use it to pay tax online.

    • kendo on 08/10/2024 - 09:47
      +2

      you can buy the Amazon giftcards. They accept any weird amount.

  • somethingguy on 08/10/2024 - 09:34

    For a large ATO bill, can you use multiple of these cards to pay? Just in separate transactions?

    • kendo on 08/10/2024 - 09:46
      +1

      Correct.

    • rockgod on 08/10/2024 - 10:02
      +1

      Yes just multiple transactions. I just processed 10 x $250 cards through the ATO Portal.

      • ronnknee on 08/10/2024 - 11:01

        There's more to it than just multiple transactions. Got this on my 2nd transaction:

        Transaction failed, please contact customer service.

        Does anyone know what needs to be different?

        • rockgod on 08/10/2024 - 11:13

          Nope no more too it. This morning I purchased 10 cards and used all 10 cards.

          I logged in the ATO portal and paid through there.

          How are you doing it?

          • ronnknee on 08/10/2024 - 11:20

            @rockgod: My mistake, just realised the original comment was about making multiple transactions on ATO, not on Giftcards.

            The error I'm getting is from Giftcards.

        • tighty on 16/10/2024 - 07:55

          I had the same error on my ANZ credit card, it turns out the card was locked, had to call ANZ customer service to unlock the card and wait a day to purchase again

  • jlien on 08/10/2024 - 10:11

    Yep, i've been using this service all year to make ATO and deft payments.
    Still disappointing compared to the discounted cards of last year; but better than paying full CC fees

  • curtturtle on 08/10/2024 - 10:56

    Can anyone confirm if I can use these to tick off the $3K spend in 3 months that a bunch of CC companies do to give you the frequent flyer bonus?

    I am thinking of signing up for NAB QFF card. Buying $3k of these cards to pay my $3K ATO bill and getting 90K QFF bonus on the NAB card.

    • johnmelb on 08/10/2024 - 11:30

      Yes these count towards your CC spend.

    • tunzafun001 on 08/10/2024 - 15:49
      +1

      Reading the terms and conditions, these gift cards are treated as a "cash advance" and don't count towards the spend (and attract immediate interest).

      However, the reality is they see a Coles transaction and think it's groceries and it works.

      Summary - no you can't…but yes you can.

    • richyeboi on 31/10/2024 - 22:20

      Hey @curtturt

      Did you end up doing this? I also just opened a NAB signature rewards card. However I keep getting "Transaction failed, please contact customer service." when trying to pay with my NAB card?

      Did you experience similar?

      • curtturtle on 01/11/2024 - 08:13

        I am getting the same transaction failed notification

      • curtturtle on 01/11/2024 - 13:29

        Got one card purchased with a fresh browser and tried again and failed.

      • Craze on 16/11/2024 - 20:18

        Did you manage to find a workaround? I'm in the same boat (NAB signature card) with error message.

        I've previously bought through this website with other CC no issues.

  • decryption on 08/10/2024 - 11:08
    +2

    Can confirm these work with the ATO. Purchased $20k of them back in July and used them all to pay my tax. Can use 10x per day.

    • financialminimalism on 08/10/2024 - 19:42

      Same. I’ve put through about $25k in gift cards in lots of 10x $250 each day.
      wish they would just let us do an uncapped amount. We’re just adding traffic and load to their system

  • jes on 08/10/2024 - 21:58

    Hi all my math isnt my strongest point.

    Just wondering for those using these cards to pay the ATO, have you done your calculations on whether paying the Visa – Domestic Debit
    0.40% fee is worth it, to get the points (the closest thing is a supermarket gift card), and the time value of money being interest free for set number of days?

    If my $2000 debt to be paid on this, is it worth it?

    • lilkid28 on 08/10/2024 - 23:57

      Depends on what you use the points for.

    • financialminimalism on 09/10/2024 - 01:50
      +1

      For $2000 debt
      ATO charges $4 fees for using the gift cards.
      Could purchase $2k of gift cards in 1 day.
      Amex offer ~50 days interest free of debt, but even if you ignored that, $2k lost interest @ 5.5% (evening ignoring tax payable) @ 1 day is 30 cents.
      Total cost $4.30
      Points gained…. 6000 AMEX MR rewards or ~2000 qantas points (value ~$26 assuming you just sold them at 1.3 cents and didnt use them).
      So yep, worth it, even for that small amount owing to ATO.

      • lilkid28 on 09/10/2024 - 10:34
        +1

        Basically cost is -0.4%, and value of points could be +1.3% up to 5% for business/first class flight redemption.

  • br0keunistudent on 09/10/2024 - 11:53

    I'm not sure if this question has been asked elsewhere before but does anyone know if these prepaid mastercards can be used in-store at Coles to buy other gift cards (e.g. can I use this to pay for Apple/Myer/JB gift cards at the self-checkouts)?

    • WookieMonster on 09/10/2024 - 14:50
      +1

      The terms and conditions of this offer says Can only be used for Online purchases only. In other words, the only type of transactions the gift card supports is card-not-present transactions (i.e. online transactions, mail order / telephone order - MOTO - transactions).

      You cannot add this gift card to a mobile wallet nor request a physical gift card to use in-person at a merchant.

      • br0keunistudent on 09/10/2024 - 16:11

        Oh I see, my mistake!

        Would you happen to know what terms apply to the physical version of the mastercard gift cards sold at Coles? I've seen them on sale before but not sure how they're actually meant to be used.

        • WookieMonster on 10/10/2024 - 17:45
          +2

          The physical Coles Mastercard gift cards can be used for both card-present transactions (where you swipe the physical gift card on an EFTPOS terminal in-person at a merchant) and card-not-present transactions.

          You should be fine using a Coles Mastercard gift card to purchase most gift cards sold in-store at Coles (including Apple, Myer and Ultimate gift cards). However, if a staff member notices you trying to use a Coles Mastercard gift card as a payment method, they could always stop you (if they care to), because Coles states on their gift card terms and conditions that gift cards cannot be used to purchase other gift cards at Coles.

  • Robin2012 on 09/10/2024 - 20:41
    -1

    great

  • ntienvu on 10/10/2024 - 21:01

    I have successfully claimed 9/10 cards of $250 each. However, the card number 10th got error

    "The card 510982******2825 has been declined
    There was an unexpected processing error. Check your account statement to confirm whether the payment was successful before you try to make your payment again."

    I checked the balance and noticed that the balance is still $250, but unable to process.

    Is there any one having the same issue ?

    • Fishy on 11/10/2024 - 06:50
      +1

      It happened to me on my 5th or so this monring. It turned out I entered wrong info either CVV or expiration date as it worked the second time.

      Then my 10th didn't work so I guess the 10 card limit includes denied transactions. Will try tomorrow.

  • greenjay on 13/10/2024 - 23:55

    Do you get flybuys on the purchase?

  • ozziboy on 14/10/2024 - 12:31
    +1

    Hi Ozb brains trust. Anyone know why I get error "Please contact customer support", when trying to purchase 10x $250 gift card???

    • hyp3dup on 14/10/2024 - 19:53

      Getting the same now

    • financialminimalism on 21/10/2024 - 22:17

      Try buying 5 cards instead of 10. and just buy another 5 after that. Seems to fix it for me. Unclear if its the bank or Coles doing this.

  • greenjay on 14/10/2024 - 17:45

    Bought one today. Tried to use to pay ATO today - "Payment declined. Contact your card issuer". Might it be because I listed a mailing address when I bought the card? Spent half an hour on the giftcard customer service lines. They said the card does not hold address information, so some merchants will not accept it. Used it to pay an eToll bill instead. Glad I didn't buy more than one. Was I just unlucky having it declined by the ATO?

    • rockgod on 15/10/2024 - 10:38

      I bought and paid the ATO today with no issues. Did you make sure you were inputting the correct details on the ATO website, not only the card details but the payment amount as its is either $99.80 if using a $100 card or $249.50 if using a $250 card.

      • greenjay on 16/10/2024 - 21:25

        Thanks for the encouragement. Tried again, made sure the addresses matched and it was all A-Ok for the ATO payments.

    • Save 50 Cent on 16/10/2024 - 00:51

      works fine for ATO but I get "payment declined" after 4 or 5 cards in a row. It works again after waiting a few hours.

  • johnmelb on 15/10/2024 - 10:37
    +1

    Just a warning with these type of cards: If you are not planning on using the total balance immediately, don't count on the website to be able to check your balance for a long time (even when the cards are still valid, as in not expired).
    I still have some physical cards from a year or so ago, that still have small balances left, but the website errors out and does not let me check any of those cards anymore.
    Split payment with paypal did go through, but I have no way of checking the actual balance anymore.
    I kept track of most of my spend via a spreadsheet, so have pretty good idea of leftover balance.

    • CodeXD on 27/10/2024 - 21:20

      Incognito browser

      • johnmelb on 27/10/2024 - 22:51

        No that's also not working for these old cards

        • Alley Cat on 18/11/2024 - 09:08

          Have you tried calling the phone number on the card? It always worked for me when the website is down.

  • Fantalia on 15/10/2024 - 23:16

    Not just ATO or Deft, I just used these cards to pay my water bill through BPoint. $1.27 surcharge on $248.72. Sure I guessed wrong on $248.725 (99.49%), left my card with 1c credit but I'll be able to use it for free trials later on.

  • zrmx on 18/10/2024 - 12:49

    The cards have previously worked with DEFT strata payments, however today I noticed the decline message showing in transaction after using it for same as previous DEFT payments :

    Declined - DEFT TOKENIZE , 00000000 St. Louis

    Does anyone else have similar issues?

    • Save 50 Cent on 28/10/2024 - 21:47

      Did you enter the amount as $250 by any chance? You’ll need to deduct the fees.

      • penguinswillrise on 20/11/2024 - 16:08

        Mine worked until the 5th card then this error started appearing. Have put down the value sans fee (ie. $249.01 for 0.4%)

        • Save 50 Cent on 20/11/2024 - 16:11

          Unless you were using card besides the one on this deal, the fee is 0.2% with these cards so $249.50..
          And yes you can only pay 5 times within 12 hrs period for some annoying reason.

          Edit: sorry I thought it was ATO payment. Never mind

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