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

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No Purchase Fees for $100 & $250 Coles Mastercard Digital Gift Cards @ Giftcards.com.au
Go to Deal
lyoo01 on 04/12/2024 - 12:30 giftcards.com.au (1465 clicks)
Last edited 04/12/2024 - 12:39 by 1 other user

The deal is on again. Good for ATO tax bill and etc.

Terms and Conditions apply. No purchase Fee on $100 and $250 digital Coles Mastercard’s. Excludes $50 Coles Mastercard. Offer available from 4/12/24 9am. Offer ends 16/12/24 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

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Coles Group & Myer Gift Cards

Comments

  • impoze on 04/12/2024 - 12:32
    +1

    how susceptible are these?

    • bk1973 on 04/12/2024 - 13:03
      +6

      From past posts/comments, they are susceptible to getting the card number and CVC guessed. I would only buy what you'll spend immediately after getting the cards. It's best use is for ATO payments IMO, followed second by some other bills and such. I've used them for prepaying a lot of my health insurance in advance to help meet a credit card "spend X in Y months".

      • theoscat on 04/12/2024 - 13:53

        can you simply prepay with your credit card?

        • bk1973 on 04/12/2024 - 14:16
          +2

          Sorry. Yes. The times I used these cards for pre-paying health insurance was when they were physically bought at Coles for 10% off or online for 10% off. I had forgotten about that. So yes, silly to use for health insurance for this deal when there's no "profit" in buying the gift card.

          I can only see the current deal as valuable if you can use it to pay for something that would otherwise cost more by a normal credit card and not give reward points. Another case is paying for something that is BPay only, but you can use Sniip with these cards (I've never tried it, but someone mentioned it in a below comment.

      • jikijiki on 04/12/2024 - 17:29

        Could you explain how I can benefit from paying the ATP with this? Is it to reduce the merchant fee?

        • ShoeyAU on 04/12/2024 - 19:55
          +1

          Assuming its no fee to buy (considered a purchase & not cash), and you get the rewards points from buying the GC with a CC. Since ATO (or health insurance pre-pay) bills are relatively large, the result is a basically free large chunk of rewards points if the assumptions holds (and assuming paying ATO with GC does not incur a merchant fee)

    • WesthamAreMassive on 04/12/2024 - 13:24
      +10

      I've been done over on these and would never buy again.

      • n0mad on 04/12/2024 - 13:50

        All the OzB posters i've seen with similar issues seemed to be able to get a new card reissued after contacting the issuer. Was that your experience or were you unable to get a new card re-issued?

        • lakers1222 on 04/12/2024 - 13:59
          +3

          A lot of retailers don’t need a CVC
          First half of the digits are the same on all cards
          Each batch has the same expiry date

          Took 2-3 months for my giftcard to be reissued to me after someone spent the money on my giftcard overseas.

          Very time consuming. They need to match up, card with cardboard packaging, and to receipt. And I had I had many receipts because I had them buy them 1 or 2 at a time.

          • n0mad on 04/12/2024 - 14:29
            +1

            @lakers1222: ouch, so potential major hassle for in this case no monetary benefit.
            I've used the 10% discounts when they come around but always tried to spend quickly. last round i did have some that took a few weeks to spend.

        • cerealsmok3r on 04/12/2024 - 14:27
          +1

          It’s only worth it if you plan on using it asap

    • ilubbargains on 04/12/2024 - 14:48
      +3

      Bought >130 and not one compromised (touch wood). But I do try and use it all up within 2 days.

  • mkh1991 on 04/12/2024 - 12:32
    +3

    What's the value proposition paying with these rather than the bank debit card?

    • Lucille Bluth on 04/12/2024 - 12:35
      +17

      Reaching min spend on CC to get bonus points etc

    • hubs1982 on 04/12/2024 - 12:35

      Some do it for the credit card points/churning welcome bonuses

    • abs898 on 04/12/2024 - 12:35
      +2

      Lower surcharge and accumulate points if bought on CC

    • lyoo01 on 04/12/2024 - 12:35
      +1

      You can get points if you use CC to pay for these although you pay little bit of transaction fee like 0.2%

    • curtturtle on 04/12/2024 - 12:36
      +5

      You can gain points on any purchase. Most CC won't give you points for paying your rates or tax bills. If you use these you will get the points for buying the cards. Great for when you get a new CC that has a spend $X in 3 months and get 100000 frequent flyers and the like.

    • VinceNT90 on 04/12/2024 - 13:33
      +6

      Converting Amex dollars into Mastercard for wider acceptance while still earning Amex points. And buying lotto lol.

    • jlien on 04/12/2024 - 13:47
      +4

      I use them to pay bills like ATO and DEFT payments; as the surcharge for using them is much lower than using credit cards directly.

      E.g. 5k bills @ 1.5% visa processing fees with DEFT = $75, vs 0.4% = $20 if i launder it through these gift cards

      • whyisave on 04/12/2024 - 15:54

        Doesn't DEFT payments still put the 1.5% processing fee on a Mastercard-issued card ?

        • ATangk on 04/12/2024 - 20:26
          +1

          Debit card vs credit card fee

    • rban945 on 04/12/2024 - 14:32
      +1

      Maxing out your CC before taking advantage of balance transfer offers when churning

  • curtturtle on 04/12/2024 - 12:34

    Can't check out with NAB credit cards

    • lyoo01 on 04/12/2024 - 12:37

      I don't have NAB credit cards but I noticed that my CBA Ultimate didn't work. I used CITI and AMEX and they all worked recently. I am getting NAB and Westpac cards soon so I will try them and report back.

      • curtturtle on 04/12/2024 - 12:41

        I recently got a NAB card to pay my tax and get the points and had no luck with this site and went back and forth with both the site and the bank to no avail. They just blamed each other constantly and didn't fix anything. I ended up having to use the instore coles deals to get my cards.

        • WoodYouLikeSomeCash on 04/12/2024 - 12:51
          +1

          Amex Platinum Edge is way better value in terms of points anyway.

      • bloomer on 04/12/2024 - 13:50

        The "security" on these cards is very very fussy. I've often had to use a VPN to be able to pay or to view the giftcard details. It's worth trying a mix of VPN and different networks (e.g. home vs mobile).

    • capslock on 04/12/2024 - 12:49

      Their payment portal is very sensitive. If you keep trying over the next few days, the payment might go through on your 20th attempt perhaps today tomorrow or the day after.

  • 0 0 0 on 04/12/2024 - 12:36
    -4

    Itunes gift cards are better

  • Crowing on 04/12/2024 - 12:43
    +1

    Handy tip I’ve discovered is to use these gift cards with sniip to pay for bills (where bpay with zippay is not available). Paying my starta directly with CC attracts a fee of 1.5% but using sniip it’s only 0.8% fee. Even better if you can get these discounted at Coles

    • WoodYouLikeSomeCash on 04/12/2024 - 12:51

      Can you stake multiple for the one transaction with Sniip?

      • Crowing on 04/12/2024 - 12:54

        Unfortunately not, you have to add each individual $250 card into sniip. But you can edit the bill amount ie pay in $250 lots where bill is >$250

    • ClintonL on 04/12/2024 - 13:43

      So this only works for bills under $250?

      • Crowing on 04/12/2024 - 14:15

        It works for bills >$250 as sniip allows you to edit the bill amount to be paid. Ie my starta was over 2.5k, I would adjust the payment amount to $250 for each payment until the full 2.5k was paid. Hopefully this makes sense

    • foxes28 on 04/12/2024 - 17:10

      My strata uses DEFT, which only charges 0.4% fee since they consider it as Visa/Mastercard Debit

  • cerealsmok3r on 04/12/2024 - 12:47

    What makes this good for ato bills?

    • kendo on 04/12/2024 - 12:50
      +3

      Lower rate surcharge and credit card points

      • PhilToinby on 04/12/2024 - 13:40
        +6

        Or you could pay cash and literally have no surcharge

    • WoodYouLikeSomeCash on 04/12/2024 - 12:52
      +2

      Amex Platinum Edge gets 3 points per $1 using these cards.

      • chillipaste on 04/12/2024 - 13:37

        Are people opting out of payg so they can pay their tax bill themselves in one lump sum to earn points?

        • daanish on 04/12/2024 - 13:45

          I doubt it - but there would be SME business operators who have business taxes, contractors/sole traders, HECS/HELP debts or just people who have an outstanding liability because their PAYG deductions didn't cover their debts.

        • CodeXD on 04/12/2024 - 13:50
          +2

          More like everyone have 100k in High Interest Saving Account and getting taxed on the interest earned lol

      • cerealsmok3r on 04/12/2024 - 14:28

        Oh shittt that’s what I’m after

      • Jstrrrr on 04/12/2024 - 15:53

        Can you clarify please? I thought you only get 3pt/$ if spent at a supermarket itself. This is an online only offer at giftcards.com.au. That is not considered a supermarket under Edge, I would've thought… Or are you saying you are sure it is? (which would be fantastic)

        • daanish on 04/12/2024 - 16:31
          +1

          I don't have the relevant AmEx but IIRC giftcards.com.au tracks to be the same as Coles so it pays out the same as if you had shopped in store at Coles supermarkets.

        • WoodYouLikeSomeCash on 04/12/2024 - 16:43

          It comes through as Coles (since giftcards.com.au is owned by Coles) so you get the full 3pts/$1.

    • Shekster on 04/12/2024 - 15:09
      +3

      I accumulated ~400k in Qantas ff points last FY just from paying my tax bill and earning sign up bonuses across multiple credit cards. I'd open a card, buy the min spend worth of these gift cards, and then load up my ATO account. Once the points hit my account I then immediately close the CC.

      Is absolutely worth the effort and minor payment fee via the ATO considering the value of the points.

  • gracie88 on 04/12/2024 - 12:52
    +10

    I’ve previously used these cards to contribute to my Super via SNIPP

    • WookieMonster on 04/12/2024 - 13:04
      +1

      I did that this morning with a Vanilla Visa gift card I purchased at Woolworths.

      • Jstrrrr on 04/12/2024 - 16:00

        I've only used Sniip with a credit card. It tags on the surcharge when paying - which is not a problem with a credit card without a balance limit. Can you explain how you do it with these prepaid cards with a $250 balance limit please? Is it just a matter of calculating backwards, factoring in the 0.85% fee? So you send $247.89 via Sniip to max out the $250 balance?

        And practically speaking, you will need to add each of these $250 card to Sniip to get the job done. So doing a $25k super deposit, you need to repeat the adding process 100 times…. is that right?

        • WookieMonster on 04/12/2024 - 16:54
          +1

          Is it just a matter of calculating backwards, factoring in the 0.85% fee? So you send $247.89 via Sniip to max out the $250 balance?

          Correct.

          And practically speaking, you will need to add each of these $250 card to Sniip to get the job done. So doing a $25k super deposit, you need to repeat the adding process 100 times…. is that right?

          Correct.

          • Jstrrrr on 04/12/2024 - 17:11

            @WookieMonster: With super for the self employeed, you need to complete a form nominating your $25k contribution as concessional. So… you need 100 forms? Or would one form suffice?

            At 1 minute per card add, that's 2hrs of non-stop adding cards and processing on Sniip….. mindbogglingly boring….. LOL

            • WookieMonster on 04/12/2024 - 22:26

              @Jstrrrr:

              With super for the self employeed, you need to complete a form nominating your $25k contribution as concessional. So… you need 100 forms? Or would one form suffice?

              I have never been self employed, and I unfortunately have no understanding of what self employed people need to do.

              When I claimed a tax deduction for my personal contributions for FY24, I had to wait until FY25 to submit one form to my super fund. I made multiple personal contributions across FY24 via Sniip, but when I submitted the notice of intent form to my super fund in FY25, I was only asked the total amount I wanted to claim as a tax deduction for FY24.

              At 1 minute per card add, that's 2hrs of non-stop adding cards and processing on Sniip….. mindbogglingly boring….. LOL

              Very true.

              At that point, you would have to ask yourself if the lower fees are really worth the hassle of adding 100 cards to Sniip, especially since I believe there is a daily limit on the number of cards you link to your Sniip account (or a daily limit on the number of payments you can make).

              I am not adding anywhere near $25,000 my super each year, so I do not need to spend as long making Sniip payments lol

    • nicolascage on 04/12/2024 - 13:37

      What is the benefit?

      • daanish on 04/12/2024 - 13:46
        +1

        Credit card points.

      • WookieMonster on 04/12/2024 - 14:21
        +4

        There are a few if you use a credit card to purchase these, including:

        • You can earn credit card points (as @daanish has already pointed out), as long as your credit card provider does not consider transactions on giftcards.com.au as a cash advance.

        • You can have up to 45 or 55 days interest fee on your gift card purchase.

        • You can actually use a credit card to send payments to your super fund. The super funds I have been with have only allowed BPAY or direct debit as payment methods when making voluntary contributions. Additionally, if I tried to use my credit card directly on Sniip to send money to my super fund, I would need to pay between 1.5% and 2.19% as the payment fee. On the other hand, if I use a prepaid card (which covers the prepaid gift card in this deal), I would only need to pay a 0.85% payment fee.

        • Silmo on 04/12/2024 - 15:09

          Have you tried to pay via ZIP BPay, and then pay the ZIP bill with a credit card? Would paying zip make us eligible for the credit card bonus points?

        • whyisave on 04/12/2024 - 15:56

          You can actually use a credit card to send payments to your super fund.

          Isn't it better to send "pre-taxed" money to your Super-fund, than to send "post-taxed" money into the Super-fund ?

          • WookieMonster on 04/12/2024 - 16:43
            +2

            @whyisave: I claim a tax deduction on my personal contributions, which means those contributions get taxed at 15%, plus my assessable income is reduced.

            If my understanding is correct, claiming a tax deduction on my personal contributions effectively turns my post-taxed contribution into a pre-tax contribution.

            • tunzafun001 on 04/12/2024 - 16:49

              @WookieMonster: As a business?

              • WookieMonster on 04/12/2024 - 16:53

                @tunzafun001: No

                • tunzafun001 on 04/12/2024 - 18:59
                  +2

                  @WookieMonster: Got ya. Cheers.

                  This is probably the best option when you don't have the opportunity to sal sacrifice into super. Check that first.

                  That being said, they keep pushing the age back for Super access.

                  I made a decision at 20 that I wanted to access funds while I could "still enjoy it". So I went with shares and property instead.

                  Also, with the whole US/ world shituation, I don't trust governments holding my funds. Pretty sure a significant war is coming.

                  25 years later i think it was the right call. More and more "can't be assed" doing things. Don't see the point of having millions when 75.

                  Just selling some stuff now to fund an adventure.

                  That being said, stuff gets expensive as you get older (teeth/ eyes arent what they used to be etc). So I'd say whatever you put in super, also put the same into something you can access when you chose.

                  • whyisave on 04/12/2024 - 23:02

                    @tunzafun001:

                    that I wanted to access funds while I could

                    by this, do you mean that the amount of money you could 'voluntarily contribute' into super (to be locked away until a certain age, which gets pushed back), you put that amount of money into investments that you could access ?

                    • tunzafun001 on 04/12/2024 - 23:53
                      +1

                      @whyisave: Yeah, that's right. I still have my compulsory super accumulating (to waste on grand kids. By then my $1 million will probably only cover a 2:1 HJ voucher meal). Us debt situation/ printing is off tap.

                      My mates co contribute into super, I bought some cheap property, and anything left put in a spread of shares and a managed fund. Been a wild ride, but do like that I can pull them at any time I chose…and doing that now.

                      Probably should have hedged, and put more into Super. Lost $10k straight up in the GFC (bank shares collapse) and when the government decided to steal the steel works (appointed administrators when iron ore prices dropped…they said it had no value for share holders, gov then sold it offshore for $700+ million..new owners resumed the exact same business with no change). Blatant theft in my book.

                      But then I saw what happened in Greece..and again the US sitch. They say when the US sneezes we all catch a cold. Not sure what happens when it dies..

                      Invest in nuclear bombs…seems to be the best strategy.

                      • whyisave on 05/12/2024 - 00:34

                        @tunzafun001:

                        By then my $1 million will probably only cover a 2:1 HJ voucher meal). Us debt situation/ printing is off tap.

                        I chuckled, because this is somewhat true.

            • whyisave on 04/12/2024 - 23:09

              @WookieMonster:

              I claim a tax deduction on my personal contributions, which means those contributions get taxed at 15%, plus my assessable income is reduced.

              You got to declare this as part of your tax return, right?

              If my understanding is correct, claiming a tax deduction on my personal contributions effectively turns my post-taxed contribution into a pre-tax contribution

              I was just surprised that this happens. I mean, I'm no tax expert either but thinking in a 'common sense' way.
              You see, only recently, I started to voluntarily salary sacrifice extra monies into the superannuation, but this is pre-tax.
              I was of the understanding that this pre-tax amount would get taxed at 15%.

              Now, once the government has taken my tax from my salary, I get my take-home salary.
              From this take-home salary, if I were to voluntarily put more money into the super (eg. using a credit card)
              and then tell the government that they should only tax me 15% on this amount of already-taxed-money,
              then does this mean \Government should give some money back to me?

              I got to speak to an accountant about this.

              • WookieMonster on 04/12/2024 - 23:22
                +2

                @whyisave: I made multiple personal contributions in FY24 via Sniip, and those had no tax taken out at the time. I had to wait until FY25 to then lodge a notice of intent form with my super fund, where I said I wanted to claim a tax deduction on a specific dollar amount of my personal contributions made during FY24.

                When my super fund processed my claim, they took 15% tax out of that specific dollar amount from my super account, and then they told the ATO that I was claiming a tax deduction of that specific dollar amount on my FY24 personal income tax return. This tax deduction was auto-filled into my FY24 tax return a few days later. I also eventually received a letter in the mail from my super fund, saying that I claimed a specific dollar amount as a tax deduction for FY24; this letter is useful if the ATO audits my FY24 tax return and asks me for evidence that my tax deduction claim was legitimate.

                You can read more about all of this here if you have not seen this ATO webpage already.

                • whyisave on 04/12/2024 - 23:38
                  +1

                  @WookieMonster: This is clearer now.

                  Also, I did see that ATO link in one of your replies.
                  I read it, in haste and I just did not re-read it again.

  • chewieeez on 04/12/2024 - 12:57
    +17

    bring back 10% ffs

    • BTSARMY on 04/12/2024 - 13:35

      YES pleassssssssssssssssss

    • WoodYouLikeSomeCash on 04/12/2024 - 16:45

      No purchase fees is still exceptional value for this with the Amex Plat, especially to pay off tax bills, etc. I’m guessing the popularity means that 10% won’t be coming back.

  • Poor Ass on 04/12/2024 - 12:57
    +8

    if not meeting credit card spending limits or collecting points there's really no point buying these that you can't do with a regular credit card

    • capslock on 04/12/2024 - 13:05
      +3

      and anyone needing to meet credit card spending limits is much much better off going to woolworths this week

      • daanish on 04/12/2024 - 13:36

        That assumes you can get your hands on stock of Vanilla cards.

        I have also used these deals when I'm in between churn cards and need to pay somewhere (online/over the phone) where they don't accept my AmEx.
        Buy one of these and you've now got a Mastercard card number that is just a $250 extension of your AmEx.

      • Poor Ass on 04/12/2024 - 14:05

        Remember to rip open the gift cards in front of the cashier before paying to detect tampering

        • rokufan on 05/12/2024 - 02:33

          A lot of staff seem uncertain about gift cards and may panic. Ever had any problems?

          • Poor Ass on 05/12/2024 - 02:43
            +1

            @rokufan: You just need to assure them / say that you are buying for personal use and that you want to make sure they haven't been tampered with with what has been going around. I assume they know, atleast the front desk does.

            Most of them even said good idea

    • browser on 04/12/2024 - 14:02

      And lower surcharge comparing to credit cards, may be a couple of dollars on $250 spend.

      Not worth the effort to run around looking for it. But since this is online, why not, especially if you have larger bills to pay in the coming days.

      Zero benefit if you are already using a debit card.

      • Poor Ass on 05/12/2024 - 02:46

        it's still treated as a MasterCard credit card and surcharges apply like a regular MasterCard

        Or have I misunderstood you?

  • MaxHashrate on 04/12/2024 - 13:09
    +2

    These cards (if purchased with a decent rewards credit card) are great for topping up lotterywest app to play lotto. Getting points for buying the powerball :D

  • Gravy on 04/12/2024 - 13:15
    +2

    Bit sad when a bargain is buying $100 worth of gift cards for $100 and then not being able to convert them back to cash.

    • foxes28 on 04/12/2024 - 15:48
      +2

      Bargain isn't always applicable to everyone, this one might not be for you

      • Gravy on 04/12/2024 - 23:17

        True, there do seem to be some upsides for some people after reading through the comments. It just feels crazy that we ever need to pay more than the face value of a gift card to buy it.

    • truetypezk on 04/12/2024 - 20:19

      Well you might be able to buy them for less than $100 and you might be able to convert them back to cash.

  • SilverKing123 on 04/12/2024 - 13:17

    Does the card need to be activated with an ID card before use? Any international transaction fees?

    • bloomer on 04/12/2024 - 13:51

      No. Yes. Don't use them for any transactions that could get messy. You don't want to be dealing with unexpected fees, or refunds for that matter.

    • CodeXD on 04/12/2024 - 13:20
      +4

      Already discussed in the comments.

    • Shekster on 04/12/2024 - 15:03
      +6

      You really went out of your way to scroll past the multiple comments which discuss exactly why this is a bargain just to type that…

  • ClintonL on 04/12/2024 - 13:43

    How long did it take for you guys to get it? I got the tax invoice email but didn't get the card yet.

    • bk1973 on 04/12/2024 - 15:12

      Can take 30+ minutes. That is assuming you didn’t future date the delivery.

  • noname657 on 04/12/2024 - 13:51

    I was waiting for 10% deal, which is much better than this one (e.g. https://www.ozbargain.com.au/node/833523)

    • Bigboy97 on 04/12/2024 - 14:38

      Has been quite a while since they’ve done one. The no fees and occasional Flybuy points in store seem to be enticing enough for most… might not see a 10% off for a while.

    • Shekster on 04/12/2024 - 15:03

      Read the multiple comments already made which answer your exact question…

    • foxes28 on 04/12/2024 - 15:42

      Can't pay bills with Coles GC lol

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