Open Transaction Account & Spend $160 at Coles or Woolworths In 60 Days With Digital Visa Card, Get $40 Back @ Bank of Melbourne

690
Open Transaction Account & Spend $160 at Coles or Woolworths In 60 Days With Digital Visa Card, Get $40 Back @ Bank of Melbourne
Go to Deal
Harshmellow on 16/02/2025 - 15:22 bankofmelbourne.com.au (999 clicks)
Last edited 16/02/2025 - 15:29 by 1 other user

Saw this in the app.

Hot offer for new Complete Freedom account customers. Get $40 cashback on your grocery shopping:

  1. Open a Complete Freedom account, then activate your Bank of Melbourne Visa Debit Card to link it to your account and add to your mobile wallet.

  2. Spend at least $160 on your new digital Visa Debit Card within 60 days at Woolworths or Coles.

  3. $40 cashback will be deposited into your account within 60 days of meeting the eligible spend requirement.

Customers who have held a Bank of Melbourne Transaction account in the last 2 years are ineligible for this offer.

Important points from T&Cs:

To be considered a new customer, you must not have held a transaction account with the brand of the Complete Freedom account you are opening in the last two years. For example: If you currently hold a Bank of Melbourne (BOM) account, you can still open a St.George or BankSA account and be eligible, as long as you haven’t held an account with St.George or BankSA in the last two years.

Eligible Transactions:

  • Payments must be contactless, and made using your Visa Debit Card via a mobile wallet only, either through Tap & Pay or online payment (in-store tapping/swiping/inserting of physical cards is not eligible).

  • When a mobile wallet is used, the payment option must be set to Visa.

  • The minimum total spend of $160 at Coles or Woolworths supermarkets, (excluding subsidiary brands such as Coles Express, Woolworths Metro, service station outlets, and liquor retailers), must be processed to your account within the 60 days from the account opening. Refunds, cancelled purchases, and ineligible transactions (as listed below) are excluded.

Ineligible Transactions:

  • EFTPOS cash-out only transactions, purchase of gift cards in a single transaction, third party grocery delivery services (such as Uber), purchases processed through PayPal, Buy Now Pay Later providers, and purchases settled via a linked credit card or Freedom card are ineligible.

  • Refunds or cancelled purchases are ineligible spend.

  • Joint accounts: Each cardholder’s Visa Debit Card contributes towards the 60 day spending requirement, but only one cashback reward will be issued per joint account. At least one account holder must not have held a Bank of Melbourne transaction account in the last 2 years.

Cashback Credit:

  • $40 total cashback is available when you meet the $160 eligible spend within 60 days of account opening.

  • Cashback will be credited within 60 days of meeting the eligible spend requirement.

Financial Bank Account Cashback Coles Debit Card Transaction Account VISA Woolworths Group Limited

Related Stores

Bank of Melbourne
Bank of Melbourne

Comments

  • easternculture on 16/02/2025 - 15:24
    +12

    25% off a gift card

  • czechboi on 16/02/2025 - 15:36
    +2

    How would they even know if a gift card was purchased? Surely they are just looking to see a transaction on your statement for Coles or Woolworths

    • CyberMurning on 16/02/2025 - 15:46
      +2

      Yeah what if the payment is combo of gift card and a milk for example. Surely they cant tell what are the individual items?

    • WookieMonster on 16/02/2025 - 15:55
      +10

      Bank of Melbourne should not be able to tell whether your in-store purchase at Coles or Woolworths was for a gift card or a bottle of milk, because the information reported to Bank of Melbourne on a purchase of a gift card vs a loaf of bread should not change. Bank of Melbourne should only be able to see that you purchased something from Coles or Woolworths.

      I had a promotion on my Westpac credit card last year where I would earn $10 cashback for spending $100 at supermarkets. I purchased $100 worth of gift cards in-store from Woolworths via Apple Pay and got the $10 cashback, even though the cashback terms said that purchases of gift cards were ineligible. (I bring this up, because Westpac owns Bank of Melbourne.)

      • CyberMurning on 16/02/2025 - 15:58

        Yep obviously they dont want people buy gc but seriously why they have to lie? How they expect people to trust them to keep our money if they are lying. For small $ we not talking billion dollars

        • WookieMonster on 16/02/2025 - 16:16
          +3

          I don't think it is a lie per se, I think it is a more of a case of Bank of Melbourne saying:

          If you get away with this, good on you. However, if cashback is not automatically credited to you and you need to chase it up with us, we will enforce this restriction and refuse to issue you the missing credit.

          Case in point: I had a Myer cashback offer on my Westpac credit card last year (spend $100, get $10 back), and I of course bought a $100 Coles Group & Myer gift card from a Myer store. However, the cashback was never credited to my account. When I chased this up with Westpac after waiting about three weeks, the Westpac Rewards rep said I had to submit a copy of the purchase receipt to verify I did not purchase anything excluded in the terms (and yes, purchases of gift cards were listed as an exclusion). Grrrr…

          • ozbargaincheapo on 16/02/2025 - 18:26
            +2

            @WookieMonster: I put $101.50 on a gift card so it doesn’t look as suspicious 😇 i normally don’t have issues with getting the cashback.

            • salmon123 on 17/02/2025 - 14:33

              @ozbargaincheapo:

              so it doesn’t look as suspicious

              I wonder if $66.6 or $69 or $88 would trigger any alarm bells.

      • spaceflight on 16/02/2025 - 17:22

        Bank of Melbourne should not be able to tell whether your in-store purchase at Coles or Woolworths was for a gift card or a bottle of milk

        Yes they could because Coles and Woolworths would most likely collect and send Level 3 credit card data

        • CyberMurning on 16/02/2025 - 18:47

          hmmm… Interesting are you working in the bank?

        • salmon123 on 17/02/2025 - 14:38

          most likely collect and send Level 3 credit card data

          First hit on google says Level 3 data is rarely used for consumer transactions.

          I really don't like the idea of my bank knowing exactly what services I purchased at my local massage palour.

          • spaceflight on 17/02/2025 - 22:39

            @salmon123:

            First hit on google says Level 3 data is rarely used for consumer transactions.

            I know, it's generally not used on consumer cards as a feature for those cards as I said here
            https://www.ozbargain.com.au/comment/16268865/redir

            However merchants receive better rates for providing Level 2/3 data (helps reduce fraud and other things) and there's no disadvantage to providing Level 3 data to a consumer card so if a merchant is set up for Level 3 processing to meet the needs of their business and government customers then they will generally provide Level 3 data for all transactions regardless of the cards used.

    • etan on 16/02/2025 - 15:56

      They don't know

    • spaceflight on 16/02/2025 - 17:01

      It's possible for them to know exactly what you purchased if they were to use Level 3 transaction data for the card, but it's generally only ever used on corporate/government issued cards.

      However that doesn't stop the merchant sending Level 3 data for all consumer card transactions.

  • CyberMurning on 16/02/2025 - 15:46
    +1

    Hmm how about topping up opals (nsw)? Eligible?

  • tenpercent on 16/02/2025 - 16:02
    +1

    Ineligible Transactions … purchase of gift cards in a single transaction

    So I can purchase gift cards in two transactions and that's all good?

    • Usemame on 16/02/2025 - 20:20

      you'd be doing a single transaction of gift cards purchase twice.

      • tenpercent on 18/02/2025 - 08:40

        single transaction

        or

        purchase twice

        Can you clarify?

  • valleyrain on 16/02/2025 - 17:04
    +5

    Same offer available with St. George https://www.stgeorge.com.au/personal/bank-accounts/transacti…

  • ATangk on 16/02/2025 - 17:31

    To be considered a new customer, you must not have held a transaction account with the brand of the Complete Freedom account you are opening in the last two years. For example: If you currently hold a Bank of Melbourne (BOM) account, you can still open a St.George or BankSA account and be eligible, as long as you haven’t held an account with St.George or BankSA in the last two years.

    This is a weird example, given that the offer is with BOM in this case. They should write it as not holding a BOM account for the last 2 years.

    • spaceflight on 16/02/2025 - 19:04

      That's a strange interpretation, given that

      you can still open a St.George or BankSA account and be eligible

    • dongltron on 19/02/2025 - 10:05

      All are owned by the same company, though.

      • YesPleaseThankYou on 19/02/2025 - 10:11

        All are owned by the same company, though.

        Same corporation.

        • dongltron on 19/02/2025 - 10:34
          -1

          same shit different word

  • kdmeir on 16/02/2025 - 17:35

    I might get this mainly for the shopback deals associated with them.

    I’m currently with Westpac and linked to ShopBack

    which is the better account bank of Melbourne or St. George or bankSA ?

    Leaning towards St George as I’m not in vic or SA

    • meowmeowmeow on 16/02/2025 - 19:28
      +2

      It's the same bank just 3 different brands

  • kdmeir on 16/02/2025 - 17:40

    The minimum total spend of $160 at Coles or Woolworths supermarkets,

    Does anyone know if you can spend 80 at each ?

    • timhn on 16/02/2025 - 22:52

      Can be any amounts as long as they from Coles or Woolworths and total $160 or more.

  • sraymond on 16/02/2025 - 19:00

    Can anyone explain this for me please.

    When a mobile wallet is used, the payment option must be set to Visa.

    • meowmeowmeow on 16/02/2025 - 19:28
      +1

      For a visa debit, I think you can choose to send transactions through eftpos or Visa and you need to make sure it's Visa. Believe the setting is in the mobile wallet app.

      • Paul B on 16/02/2025 - 19:32
        +1

        Wouldn't that be selected at the checkout in store not a wallet app?

      • CyberMurning on 16/02/2025 - 19:49

        Mobile wallet is the bom app or google wallet?

      • sraymond on 16/02/2025 - 19:50

        Yeah. I found it in wallet settings. Card info. Most just show as visa but some have two options eftpos or visa so just check your card when you add it to your wallet.

    • Paul B on 16/02/2025 - 19:30

      Google etc should automatically display that is a Visa from the card number so probably just check after it is added in your wallet

  • coolc on 16/02/2025 - 19:21
    +1

    Verifying id is pain

    • timhn on 16/02/2025 - 23:08

      How so? Any of those holding drv lic and take selfies?

  • mitty on 16/02/2025 - 19:32

    Bank of Melbourne Internet Banking is just horrificly bad. Only do this for the credit and then get the hell out, they're just horrible to use and deal with.

  • Ryk on 16/02/2025 - 19:44
    +2

    If they didnt charge:
    3% foreign currency conversion fee, and
    $5.00 overseas ATM withdrawal fee, (which also cops the above 3%) and
    $15.00 Overdrawn Fee
    maybe they wouldn't need to run silly "get $40 back" promotions.

    • EatSleepOzBargainRpt on 16/02/2025 - 19:50
      +2

      $15 overdrawn fee is a bit alarming. Why not just decline the purchase, if there's not enough money in the account?

  • txb on 16/02/2025 - 19:50
    +1

    So if you've held a Complete Freedom at any of the three in the last 2 years St/BoM/SA then you're ineligible?

  • cooni on 16/02/2025 - 20:09
    +1

    By my reading, I currently have a StG account, but I can open both BoM and BSA accounts and spend on each and get the cash back?

    • timhn on 16/02/2025 - 23:05

      Seems like that according to the T&C's of all 3 banks

  • abc on 16/02/2025 - 20:16

    How easy is it to close the account?

  • ozbargainerlife1 on 16/02/2025 - 21:48

    their interface is so bad

  • nowich on 17/02/2025 - 09:54
    +1

    try to open all 3 banks' accounts, however, when I try to register the second, the system already has my info and bans me.

    • cooni on 17/02/2025 - 10:40

      I tried to signup for BoM and when doing new customer is says the same

      But I selected existing, and used my StG login and it made an account for me

    • wsqwin on 17/02/2025 - 10:42

      Yea, I got the same issue, tho I am an existing BankSA customer

  • SaberXLancer on 17/02/2025 - 10:38

    Damn. Just opened the account in Oct last year

  • cooni on 17/02/2025 - 10:40

    Do these guys allow adding a card to Apple Pay from the app before you have the physical card?

    • Twirtle2 on 17/02/2025 - 10:59

      I doubt it, I've tried with google pay but all it does is just takes me to the app and that's it

      • cooni on 17/02/2025 - 11:55

        Right, makes sense given how poor their app experience is

  • jimwh on 17/02/2025 - 10:42
    +1

    Is there any monthly fee?

    • nowich on 17/02/2025 - 12:30

      Complete Freedom account should be completely free for a monthly fee

  • iaam on 17/02/2025 - 19:33

    I cant see the digital card. It said digital card is only available after my physical card is activated. Does anyone else also have similar issue

  • Jamesk811 on 17/02/2025 - 21:01

    This is so dumb, it keeps telling me I’m an existing customer but I’ve never held a bank account with them, ever! Then I try make one for my wife and it says she has one too…. Never had one either.

    • timhn on 18/02/2025 - 13:11

      never held a bank account with them

      What about with St George or BankSA ?

      • Jamesk811 on 18/02/2025 - 13:48

        I used to have St. George over a year ago. I thought it’s only not available if your an existing or recent customer of bank of Melbourne

Login or Join to leave a comment
Login Join