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

910
No Purchase Fees for $100 & $250 Coles Mastercard Digital Gift Cards @ Giftcards.com.au
Go to Deal
HamBoi69 on 06/01/2025 - 09:31 giftcards.com.au (1411 clicks)

Nice offer for those who want the cards now. Just like last time.

Terms and Conditions apply. No purchase Fee on $100 and $250 digital Coles Mastercard’s. Excludes $50 Coles Mastercard. Offer available from 6/1/2025 9am. Offer ends 28/2/2025 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.

Any questions, check out the FAQs - Credits to WookieMonster

Enjoy!

Other Gift Card InComm MasterCard Prepaid Card

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Comments

  • Ezekiel2320 on 06/01/2025 - 09:33
    +27

    Why would anyone ever pay fees for a gift card ever? How asinine. Give the recipient cash instead

    • abc on 06/01/2025 - 09:41
      +11

      Minimum spend for credit card rewards?

        • txb on 06/01/2025 - 10:37
          +21

          Sorry my friend, you pay for the gift card WITH your credit card.

          • Techefy on 06/01/2025 - 12:49

            @txb: You two are now Gganbus 🤝

        • TheFreaK on 06/01/2025 - 11:16
          +4

          All those words and not a thought behind them

        • Lucille Bluth on 07/01/2025 - 07:21

          Sorry my friend

          Oh my sweet summer child. Spectacular failure in trying to sound witty.

    • Poor Ass on 06/01/2025 - 10:06
      +7

      Most people here buy gift cards for personal use / living expenses not really as a present

      You would pay fees for a gift card if there is good enough cashback offer or a discount

    • currentfad on 06/01/2025 - 10:09
      +5

      I paid ATO with these, got to hit my CC spend + get CC points for a very minimal fee on ATO's side, which I wouldn't have otherwise been able to do if I paid ATO directly. The annoying part is that their website is horrible and always spits out a "transaction failed", so I was only able to buy part of what I needed to pay ATO.

      • Poor Ass on 06/01/2025 - 10:13
        +7

        funny how it's a form of legal laundering and through ATO too

        • bloomer on 06/01/2025 - 11:46
          +2

          It's only laundering if people are buying the cards with illicitly obtained funds. Anyone using a card to buy these (which is the only way) has fully exposed transactions from a legal perspective, so would be a fool to be trying to fund the purchases with illicit gains.

      • tangcla on 06/01/2025 - 11:41

        Does it count as debit MC?

      • Yola on 06/01/2025 - 11:48
        +5

        No minimal fee since 1 January.

    • abs898 on 06/01/2025 - 10:39

      Because there wasn't much "gift" left in these cards. People use it to bypass high credit card fees online.

    • Dyl on 06/01/2025 - 14:34
      +3

      These are mastercard and can be paid for with AMEX

      Basically free AMEX > Mastercard conversion

    • alcadive on 07/01/2025 - 02:15
      +1

      You asked why anyone would pay fees and everyone is answering why they only use them when this deal is on for no fees lol.

  • MS Paint on 06/01/2025 - 09:37
    +2

    @mapax - more guaranteed future forum content.

    • HamBoi69 on 06/01/2025 - 09:38

      ADAGCS

      • mapax on 06/01/2025 - 09:46

        You forgot the horror

      • Nugs on 06/01/2025 - 09:47

        lacking Horror
        .

  • GoIdDigger on 06/01/2025 - 09:42
    +4

    So the deal is that I can buy a gift card at a 1:1 ratio like basically everywhere else? Outside of credit card churning spend limits, I don’t really get it

    • lyoo01 on 06/01/2025 - 09:48
      +4

      Paying tax and getting points

    • argonide on 06/01/2025 - 09:52
      +5

      Also if you need to pay anything to the ATO.
      Paying with a credit card incurs a card surcharge and may have reduced point earning for being a government service.
      Where as buying these earns you the full points and since 1 Jan, these don’t incur any card surcharges as they are recognised as debit cards.

      • kendo on 06/01/2025 - 10:42
        +1

        Use these cards to pay for Strata and any bills to get 3x points Amex.

    • ruprectaus on 06/01/2025 - 10:52

      Arbitage seems to be the consensus.

      Buy these with a credit card and get reward points, pay a Tax debt etc and now there are no fees on debit card useage with the Aus Government. The comments suggest some issies if you push it too far.

    • Mydc5r on 06/01/2025 - 11:23
      +2

      So you don't have to use your own real card when you sign up to Pronhub.

  • slackme on 06/01/2025 - 09:48

    Only useful for online purchases which do not accept PayPal and you don't want to give them your credit card detail.

    • WoodYouLikeSomeCash on 06/01/2025 - 09:51
      +2

      Just use Revolut for that. This cards are great for getting some money back when paying your taxes.

  • currentfad on 06/01/2025 - 09:49
    +4

    Here for the "transaction failed" comments!

    • Jacksonho2 on 06/01/2025 - 10:49

      not transaction failed
      checking balance mostly return system error.
      support said this was due to server issue.

  • chewieeez on 06/01/2025 - 09:54
    +15

    give me my 10% off promo… not no card purchase fee.

    • TheFreaK on 06/01/2025 - 11:17

      One and done

      • chewieeez on 06/01/2025 - 11:37
        +1

        i believe they've done it twice.

    • BargainBoo on 06/01/2025 - 16:06

      Was expecting it towards the end of the year, but nope…hope they do a few this year.

  • Sherlock04 on 06/01/2025 - 09:58

    How much is the purchase fee?

    • hamza23 on 06/01/2025 - 10:05
      +3

      Usually $5 for $100 or $7 for $250.

  • deck_oz on 06/01/2025 - 10:19

    Can this be used in OF ? Asking for a friend.😉

    • whyisave on 06/01/2025 - 12:27
      +1

      OnlyFriends

    • MufasaMufasaMufasa on 06/01/2025 - 13:25
      +1

      No, it doesn't work, it fails to verify the card

  • WoodYouLikeSomeCash on 06/01/2025 - 10:28

    These should be fee free at the ATO now right? Anyone tested?

    • rockgod on 06/01/2025 - 10:28
      +9

      Yep just put 10 through and they were all fee free !!!

      • OzBestDeal on 06/01/2025 - 15:10
        +1

        Is it really take 4 business days for credit to appear?

        • B-Man02 on 07/01/2025 - 08:34

          yep takes a few days at least to show the change

    • SydneySwan on 06/01/2025 - 12:13

      Can confirm fee-free.

  • rockgod on 06/01/2025 - 10:28
    +7

    From 1 January ATO also stopped charging fees for Debit Card use. So there is no fee for using these Gift Cards to pay the ATO.

    • nik on 06/01/2025 - 16:19

      Have anyone tested using Coles Mastercard Gift card to pay ATO and show no fee?

      Can anyone confirm this?

      • Yola on 06/01/2025 - 16:29

        Yes, I have done several. And see comment above from rockgod.

  • yet another user on 06/01/2025 - 10:29

    What happens when say:
    * you are just regular joe with 1x PAYG income, and
    * you purchase say $10,000 of gift cards with your credit card and
    * out of the generosity of your heart, prepay $10,000 of tax to ATO.

    Upon completion of tax assessment, and assuming that the PAYG has prepaid the correct amount of tax, would you get the full $10,000 tax refund + any interest ATO is liable to pay you?

    • mjs on 06/01/2025 - 10:33

      I think that would work. But ATO does not pay interest on refunds.

    • mrfuku on 06/01/2025 - 10:36
      +5

      Not always the case.

      I prepaid $30k last year, and when it came time for refund they said it had to be refunded back to the original payment method.
      I had to end up transferring the 30k to pay off a family members hecs debt to pull the funds out

      • faithdealer on 06/01/2025 - 10:46

        The ATO seriously lets you transfer your refund to someone else's debts? Bizarro stuff.

        • mrfuku on 06/01/2025 - 10:49
          +1

          The other option was to leave it there to offset and future debts, and if I was still working that would have probably been a ok solution (loss of potential interest though).

    • theophilusthistler on 06/01/2025 - 11:36
      +5

      Dont pay your tax account into credit, the ATO wont pay out the positive balance as a refund, they will only refund them back to the gift card.

      • CheapBrah on 06/01/2025 - 16:05
        +3

        I can confirm this happened to me

    • Dyl on 06/01/2025 - 16:08

      Asking for a friend, btw

  • faithdealer on 06/01/2025 - 10:45

    Does this website accept Vanilla Visa GC?

    • couger on 06/01/2025 - 14:52
      +1

      3D authentication required.

  • chinaman on 06/01/2025 - 11:02

    Has anyone had issues moving gift cards when getting a new phone and google wallet?

  • montorola on 06/01/2025 - 11:11

    Hmmm could we use this to buy Mastercard giftcards with AMEX?

    Then use the mastercard to pay utilities bills like rates, water etc without the silly amex surcharge?

    • denserham on 06/01/2025 - 11:42
      +3

      You can, but have a look to see if you can use Auspost Post Billpay online they accept paypal for most things which means you can use Amex and avoid the extra fee.

      • alcadive on 07/01/2025 - 02:27

        Fees aside, you may still benefit from this deal by guaranteeing points are earned on whatever bills you’re paying.

  • ilubbargains on 06/01/2025 - 11:24

    Thanks OP, perfect timing

  • Mick1234 on 06/01/2025 - 11:46

    can I pay for council rate?(always confused on this)

    • Yola on 06/01/2025 - 11:53
      +3

      I use these to pay rates for 3 Councils in Vic.

      • whyisave on 06/01/2025 - 12:31
        +2

        Flex post :-)

    • abs898 on 06/01/2025 - 11:57
      +1

      Yes, I use Auspost bill pay to pay my council rates.

  • imaxsameer on 06/01/2025 - 12:12

    What's the maximum you can buy? Say I want to give the ATO $5,000, so I have to buy $250 x 20 cards. Would be good it if it was more practical.

    • whyisave on 06/01/2025 - 12:32

      ATO have a daily-limit too, via the website and via the App.

      • ayoole on 06/01/2025 - 12:46

        Do you know what the limit is?

        • rockgod on 06/01/2025 - 13:10
          +2

          ATO Limits it to 10 transactions.

          • financialminimalism on 06/01/2025 - 13:31
            +2

            @rockgod: I’ve found it limits you to 5 transactions a day… but you can use two web sites to increase it to 10 per day:
            5 via ATO portal +
            5 via governmenteasypay.

        • mrfuku on 06/01/2025 - 13:30
          +3

          10 transactions per 12 hours from ATO portal,

          you can also use Government Easypay - this method actually lets you put more than 10 through, IIRC I got to around 15 sometimes.

          Both limits reset every 12 hours.

        • ayoole on 06/01/2025 - 15:03

          Thank you all for the responses, appreciated.

          I pay around 20K per quarter to the ATO, just weighing whether it's worth the effort. If only the cards were available in larger denominations!

          • Yola on 06/01/2025 - 15:48
            +1

            @ayoole: It is worth it and not hard to do with these ecards as you can cut and paste the card number. Takes a minute each. 80,000 FF points will get you a return trip to Asia.

  • eecchhoo on 06/01/2025 - 12:16

    Currently I have payment plan with ato for monthly deduction from my bank account.
    Should I buy these cards and cancel my plan and pay all my debt?

    • kendo on 06/01/2025 - 12:21
      +1

      Why not if you do not have any issues with the fund? ATO won't mind if you pay off your tax earlier.

    • vorsprung on 06/01/2025 - 13:19
      +2

      I did. I was in a payment plan because there didn't seem to be any incentive to pay them earlier. Now there is.

  • robbyjones on 06/01/2025 - 12:34
    -6

    I don't see any deal here, how is this a deal?

    • vorsprung on 06/01/2025 - 13:08
      +3

      Did you read any of the comments?

      CTRL+F "ATO"

    • Dyl on 06/01/2025 - 16:09
      +1

      AMEX > Mastercard conversion for free
      Credit card spend incentives met for free

    • bcYield on 06/01/2025 - 19:50

      And it was 10% before.

  • financialminimalism on 06/01/2025 - 13:32
    +1

    Man I wish these guys would just be more customer focused and realise everyone uses this for ATO and bill payments and improve their security so they can do some serious variable loads… like $5k prepaid cards!

    • spaceflight on 06/01/2025 - 15:01
      +4

      People using these for ATO isn't their target market.

  • richyeboi on 06/01/2025 - 14:33

    Anyone getting payment declined? I am for my ANZ cc :/

  • sydneybargainer on 06/01/2025 - 14:36

    Can this be added to google wallet on my phone to pay via NFC ?

    • Happybird on 06/01/2025 - 20:36
      +1

      No, they can only be used online.

  • CoreJava on 06/01/2025 - 15:55

    Has anyone tested these cards with ATO after 1st Jan?

    • Poor Ass on 06/01/2025 - 16:29
      +1

      yes $0 fees

    • Yola on 06/01/2025 - 16:30
      +1

      Yes, no fee.

  • TheMills on 06/01/2025 - 16:28

    I tried paying my Origin energy bills using these cards and it failed. Has anyone encountered this issue as well?

    • alcadive on 07/01/2025 - 02:30

      Maybe you can do it through Post Billpay or something instead.

  • Poor Ass on 06/01/2025 - 17:50

    just did 10 cards on the ATO and then 11th failed with the message The card XXXXXX******XXXX has been declined

    so limit was 10 for me

    • alcadive on 07/01/2025 - 02:34

      Other comments suggest the 10-transaction limit resets every 12-24 hours. Others suggested that there are separate limits on the ATO portal and Government Easypay.

      • Yola on 07/01/2025 - 08:11
        +1

        Yes, 10 on MyGov and 5 on Easypay. Just did this yesterday.

      • Poor Ass on 07/01/2025 - 09:12

        Probably but can't risk copying the wrong prn for EasyPay

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