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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 (3446 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
Coles Group & Myer Gift Cards

Comments

  • impoze on 04/12/2024 - 12:32
    +2

    how susceptible are these?

    • bk1973 on 04/12/2024 - 13:03
      +10

      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
          +3

          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.

          • niggardly on 16/12/2024 - 07:55

            @bk1973: I got my card details stolen so i dont bother anymore. If you get 1 card stolen, you need to spend like 3k to make it up.

            • bk1973 on 16/12/2024 - 13:22
              +1

              @niggardly: As I wrote in my first post, “spend immediately”. That’s what I do. Buy them, wait for the cards to arrive in email, and spend right away.

              • niggardly on 17/12/2024 - 07:53

                @bk1973: I heard people steal the card details from the store so as soon as the card is bought, the crooks already have card details.

                • CodeXD on 17/12/2024 - 08:44
                  +1

                  @niggardly: This is not in store tho, this deal is online.

                • bk1973 on 17/12/2024 - 14:01

                  @niggardly: I’ve heard that too. I also spend the in-store ones I’ve bought immediately (as soon as I get home from Coles). They don’t know exactly when the card is activated, so spend quick.

      • 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
          +3

          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)

          • Yola on 05/12/2024 - 22:23

            @ShoeyAU: ATO charges 50 cents for the use of a $250 Coles Mastercard.

            • ShoeyAU on 05/12/2024 - 23:47

              @Yola: Ah I see. 50c per $250 is still a good rate, versus the usual 1% for credit cards.

        • hughes on 05/12/2024 - 09:59
          +1

          some gov bodies don't accept amex or charge a higher fee for using one

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

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

      • n0mad on 04/12/2024 - 13:50
        +1

        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
          +5

          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
          +4

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

        • WesthamAreMassive on 05/12/2024 - 08:10

          I was told I needed receipt for the gift card for them to do anything and credit card statement would not do. Did not bother as never had receipt.

        • dowhatuwant2 on 15/12/2024 - 18:42
          +1

          They didnt use my whole care but like 70 bucks on tiktok, (profanity) knows what you can even buy from there. I never got reissued and there support is shit.

    • ilubbargains on 04/12/2024 - 14:48
      +4

      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
      +19

      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
      +3

      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
      +7

      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
      +7

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

    • jlien on 04/12/2024 - 13:47
      +5

      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
          +2

          Debit card vs credit card fee

      • od810 on 15/12/2024 - 18:58

        I use Zip with credit card back to pay ATO, 0 fees and earn points. Win!

        • Yola on 16/12/2024 - 08:48

          However, you can only use a Mastercard or Visa. You can use AMEX to purchase these. Zip only allows me to pay $700 once per month.

          • od810 on 25/12/2024 - 16:54

            @Yola: Yeah, might not work for everyone. But i pay $3000 worth of bpay per day without issue. I get blocked a few times though, i wonder after contacting them, they put me in some sort of whitelisting

            • Yola on 26/12/2024 - 09:24

              @od810: Yes, I also got blocked a couple of times when I made payments too often.

    • 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
    -5

    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
        +1

        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
        +2

        Or you could pay cash and literally have no surcharge

        • Yola on 05/12/2024 - 22:28
          +4

          and no points.

          • PhilToinby on 06/12/2024 - 03:33
            -3

            @Yola: Let me explain to you how banks work

    • 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
        +1

        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
          +3

          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
          +2

          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.

      • MiNaW on 05/12/2024 - 06:19

        Sorry to be dum but how can I load up ATO account with different gift cards? Thanks

        • Shekster on 05/12/2024 - 15:15

          If you go to mygov > ATO there should be a dropdown menu to see accounts. It'll list out your tax account and any other accounts you may have (eg. HECS).

          From there you can you have the option to pay the account. Most people do this only after lodgement and have a tax debt but you can actually prepay that account into credit and when you eventually lodge your tax return and it has a debt, it'll automatically deduct from the credit you put into that account.

          Obviously the most time consuming part will be having to individually process each gift card in $250 amounts each time, but again, I feel the trade-off is worth it.

          • puffinfresh on 05/12/2024 - 15:42
            +1

            @Shekster: $249.50 amounts due to the fee

          • gromit on 15/12/2024 - 23:36
            -3

            @Shekster: So effectively this is costing you far more than the card fees in lost interest as well by leaving it in ato account which pays minimal interest.

            • Shekster on 15/12/2024 - 23:39
              +1

              @gromit: I think it's safe to say that if you can't understand the obvious value and benefits after reading through this thread then you obviously should not bother with this…

              • gromit on 15/12/2024 - 23:40
                -3

                @Shekster: Understand it perfectly, just your method has a serious cost in lost interest.

                • Shekster on 15/12/2024 - 23:43

                  @gromit: If you're telling me this "serious cost" of lost interest is more than the value of multiple business class flights + lounge passes then please explain the math lmao.

                  You definitely understand it perfectly…

                  • gromit on 16/12/2024 - 07:16
                    -1

                    @Shekster: not at all, I churn and collect points. (over 500k) last year. Would just hope their is something better than parking money with the ATO. surely you have expenses, shopping etc in the short term that seees better value.

                    • puffinfresh on 16/12/2024 - 11:55
                      -1

                      @gromit: Fun fact, the ATO pays interest on early payments.

                      • gromit on 16/12/2024 - 12:09
                        -3

                        @puffinfresh: yep I know, but it is a good 1%+ lower than what you get in a HISA. sure it isn't a lot, but this is OzB, every dollar counts, so if you have an option to use it that is better, if you need to park it the ATO is not your best option unless you have no other options available.

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

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

    • WookieMonster on 04/12/2024 - 13:04
      +3

      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
              +2

              @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

              • Jstrrrr on 05/12/2024 - 08:36
                +2

                @WookieMonster: Thanks Wookie. It was the notice of intent form I was referring to. Your answers on OzB are always knowledgeable and to the point. Thanks again.

      • browser on 12/12/2024 - 11:43

        Tried using Vanilla Visa from Woolworths just now, did not accept.

        • WookieMonster on 12/12/2024 - 11:50

          Are you saying:

          1. You tried to add a Vanilla Visa gift card to Sniip as a new payment method, but it was declined.

          2. You tried to use a Vanilla Visa gift card to send a payment to a biller, but you got a message saying Payment method not selectable - This biller does not support this payment method.

          3. You tried to use a Vanilla Visa gift card to send a payment to a biller and the biller accepts prepaid cards as a payment method, but the payment was declined.

          • browser on 12/12/2024 - 12:45
            +1

            @WookieMonster: My bad, just noticed the context is about paying super via Sniip using prepaid cards.

            I tried using Woolies Vanilla Visa to buy Coles Prepaid Mastercard (this deal) unsuccessfully, so came here to see if anyone had success. A word search led me to your comment.

            The error from that payment is just "rejected" without any decline code, which indicates they chose to reject it rather than a problem with the card.

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

      What is the benefit?

      • daanish on 04/12/2024 - 13:46
        +2

        Credit card points.

      • WookieMonster on 04/12/2024 - 14:21
        +6

        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?

          • WookieMonster on 04/12/2024 - 22:27

            @Silmo: No, I have never used Zip.

          • Yola on 05/12/2024 - 22:34

            @Silmo: I have done this for ATO but only Visa or Mastercard can be used.

        • 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.

                      • Jstrrrr on 05/12/2024 - 20:48

                        @tunzafun001: Which steelworks was that?

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